23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been in contact with TransUnion , LLC in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and Merchant Credit Guide by certified return receipt back XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that TransUnion , LLC did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from TransUnion , LLC to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with TransUnion , LLC, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

I have contacted SYNCB/PPC via phone and fax about this account. I have asked them to send me something with my signature on it. I have sent them old police reports etc. THEY refuse to remove this. They have sent this to some collection company. THIS IS BAD. THEY ARE BREAKING LAWS. ' I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, XXXX, XXXX  's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD
Product: Credit reporting or other personal consumer reports

I recently disputed this information with the three credit bureaus because they are still showing that there is a balance on this account when it has been paid in full and closed. They incorrectly are telling the credit bureaus that there is a balance on the account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX, 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 XXXX Acct # XXXX opened XX/XX/XXXX with balance of {$410000.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX with a balance of {$8900.00} XXXX XXXX opened XXXX  Acct # XXXX WITH A BALANCE OF XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT XXXX XXXX OPENED XXXX WITH A BALANCE OF {$260.00} XXXX XXXX ACCT XXXX XXXX OPENED XXXX WITH A BALANCE OF {$0.00} The hard inquires that are on my credit that should also be removed and block are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 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: Debt collection

Continuously called, when answered they hung up. I called back to discuss the issue and when I advised that we would be taking care of the debt soon and mentioned the possibility of bankruptcy they representative hung up. The call was not clear, their systems sounded as if I was speaking to a robot the whole time. If they truly want to collect funds they should communicate with clearer phone lines and not hang up on someone that was willing to actually answer their call and even call them back.
Product: Debt collection

The company XXXX XXXX XXXX, is trying to collect a debt of {$310.00}, and reporting this debt to Consumer Credit Agencies. 
They are reporting that this debt is from " XXXX XXXX XXXX '' and that it is 2 Years, and 10 months, old. 
I have never had a contract, written or verbal, with the XXXX XXXX, and have not received any information from them or the mentioned collector to validate this debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, Wise US Inc ( formerly TransferWise ) restricted access to my personal and business accounts containing a total of {$6300.00}, without prior notice or a clear explanation. I was informed that this was due to a routine verification process. I promptly provided all the requested documentation for identity and business verification. 

Despite Wise acknowledging that my documents have been verified and accepted, my accounts remain inaccessible. I have contacted Wise ten times by phone and sent numerous emails seeking resolution. Each time, I was told that the issue was due to a technical glitch, but no timeline for resolution was provided. 

The prolonged restriction of my accounts has caused significant financial hardship. I am unable to access my funds to pay for essential expenses, including medical treatment for my daughter, rent payments, health insurance, and daily necessities. This situation has forced me to borrow money from friends to cover basic needs. 

Wise 's lack of transparency and failure to resolve this issue promptly have severely impacted my personal and financial well-being. I am seeking assistance to have immediate access restored to my accounts and to ensure that Wise addresses this issue appropriately. 

Wise is holding now XXXX USD in this account without giving me access to it : Account holder : XXXX XXXX XXXX and XXXX routing number : XXXX Account number : XXXX Account type : Checking Bank name and address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX United States
Product: Credit reporting or other personal consumer reports

I had lived at XXXX XXXX XXXX in XXXX, CO from XXXX. Upon moving out, In was never provided an itemized damages list the apartment supposedly had. It was not until I inquired with XXXX property manager XXXX in XX/XX/XXXX, where she stated they kept my {$300.00} deposit, and I owed {$120.00} for repairs. I had asked XXXX to please provide the statement they were required to provide me within 30 days of moving out. She stated they sent it and later she emailed one and stated that they satisfied the requirement. I had requested they send my deposit for {$300.00} and upon receiving the check, I never cashed it because I knew this would come back up. Months later I get communication from the debt collector on XXXX XXXX XXXX XXXX XXXX XXXX ) I had disputed the debt with them as well, providing proof of all of my claims and requesting they provide : Proof of claim, proof an itemized damages list was provided to me within 30 days, proof I cashed the {$300.00} deposit check they sent, proof the damages were not normal wear and tear or the responsibility of the apartment complex. They provided nothing. I then refused to pay due to XXXX not sending the proof I require. After this I sent a Cease and Desist letter due to their harassment on a debt that has never been proven. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, knowingly posted the wrong amount owed ( posted {$520.00} even though I only really owed {$110.00} ), in a successful attempt to extort money from me wrongfully since I am in the process of buying a home. I called XXXX XXXX XXXX to discuss the false reporting, the lack of proof of debt provided and the representative was extremely rude, hung up, and told me there was nothing wrong with them falsely reporting the debt. I told them it was never proven I owe this debt due to lack of proof and I would only pay a certain amount and they refused. They hung up on me before I paid the debt as well. XXXX XXXX XXXX and XXXX falsely reported a debt and violated my consumer reporting rights, which could have implications on my pending home closing.
Product: Checking or savings account

I filed a prior complaint about a Chase bank decision to cash a fraudulent {$14000.00} XXXX XXXX  Check that was written to me by XXXX XXXX. ( see attached documentation ) The prior complaint is COMPLAINT ID XXXX. 
At first Chase informed me that this was a bank-to-bank issue and I needed XXXX XXXX and XXXX XXXX  to officially request reimbursement. After they did that, Chase said it would not release the fraudulently released funds because the check was " counterfeit '' and not " forged. '' I don't think there is any question the check was forged. I have the original check and a copy of the forgery. The check was also found by a detective in California in the bank account of a mail theft suspect.
Product: Debt collection

Medical claim was paid by insurance. Insurance paid 100 % of claim. Payment was never applied to my account and I was sent to collections. Collection was wrongfully put on my credit file and credit company refuses to remove the claim. Will only put paid in full. This has destroyed my credit.
Product: Checking or savings account

I am the victim of identity theft. Someone attempted to open a fraudulent bank account and I have contacted the bank repeatedly. The bank continues to send me emails to finalize outstanding items for the fraudulent account despite my requests that the account be closed.
Product: Payday loan, title loan, or personal loan

I was giving a {$25000.00} cash loan which is now {$29000.00} plus from XXXX XXXX  ( who was funded by XXXX bank ) in XXXX. XXXX XXXX sold my account to Collins Asset Group. I have been calling Collins Asset group monthly and at times weekly since XXXX of XXXX to pay loan off in full. No settlement, and they refuse to take the payment stating that they do not have enough information to take my payment & they suggest I call back in a week or XXXX to see if they files have been updated ( this has been going on for over XXXX years. ) They do not fail to report me to collections on the XXXX of every month to the XXXX credit bureaus. I have been denied a home loan due to this account. I have literally been going in circles begging them to take my payment and mark it as satisfied. This has caused mental agony on my end. This is an attempt to pay off a debt in full, including the interest thats building due to them not taking my payment in full. I have no other options as to what to do at this point. Please help me. Thank you.
Product: Checking or savings account

Since XX/XX/2021, I have been charged {$420.00} in NSF and Overdraft fees. I lost my job a few months ago, and am still actively interviewing/applying and aggressively searching for work. I havent been able to keep up with my negative checking account balance that keeps getting bigger and bigger each week due to these fees, and in addition, cant afford my credit card payments. My credit has tanked, and at this rate when I do secure employment again, most if not all of my paycheck will be going towards these fees alone. In addition, I receive upwards of 5 calls every day from different numbers from BOA about my negative balances, even though when I initally received these calls I spoke with an agent 2 different times explaining my situation and asking them to reverse the fees, which they said they could not. I have been a loyal BOA customer for over 5 years now, and for all 5 years, up until now, I never missed a credit card payment and always paid my entire balance in full. I am overwhelmed, terrified, and cant get approved for absolutely any credit cards for balance transfer to try to get ahold of this debt. Also, I can not be approved for absolutely any personal loans that do not have an interest rate upwards of 100 % or more.
Product: Debt collection

there was a debt that originated in XX/XX/XXXX-XX/XX/XXXX for a cell phone with XXXX. XX/XX/XXXX the debt was voluntarily discharged. that was the last time I heard from this company. I have n't received any mail or phone calls in regard to this debt from this company. but XXXX/XXXX/15 they were able to garnish my acct for all my money. left me without a dime to feed my kids. I have XXXX kids from ages XX/XX/XXXX today is XX/XX/XXXX and I still have n't received anything from this company. but they sent notification to my credit union on XXXX/XXXX/15 .... why have n't I received anything?
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX I went to the bank to make a deposit of {$2000.00}. The ATM says it takes up to XXXX pills I had all XXXX and it was XXXX bills. I put my money in the ATM and first it read that it wasn't able to deposit all bills so when I read it I it open back up and I tried to get my money but then it closed. After it close I was like okay it's count my money because I heard it shuffling around when it was complete with counting the money, something came up that said it was not able to complete the transaction but it didn't get my money back. I put my car back into the slot to check my deposit and there was no {$2000.00} that I just put in the machine. I immediately call the bank to get it fixed. They really no help and sadly it was Friday and now I have to wait until Monday. Very inconvenient, I think the bank should be open 7 days a week because now the bank robbed me and I have to wait to see if I'm even going to get my money back. That is a large lump sum of money that I can't afford to get away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft due to the Equifax XXXX XXXX and I need the accounts listed in my documents provided in this complaint immediately blocked from my credit report. I am demanding these accounts to be removed or blocked based on the legislation outlined in 15 USC 1681c-2 ( c ). Please also reach out to the 2 other credit bureaus ( XXXX and XXXX ) and let them know to remove this fraudulent information as well. I've attached my SS Card, A copy of my passport, a UCC 11 Filing showing that there is no debt in my name in the State of Washington, and an up-to-date FTC Report. 

Thanks!
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information on my Experian credit report and uploaded documentation that proved the account had been paid in full via Treasury Offset. Experian did not undertake a good faith investigation into the disputed pay statuses, which would have uncovered the inaccuracy. Experian transmitted the dispute to XXXX, which did not undertake any good faith investigation to uncover and corrected the inaccurate pay statuses. Both Experian and XXXX continue to erroneously report an overdue pay status, and Experian continues to incorporate these statuses in my credit report. These action expose both Experian and XXXX to actions similar to XXXX XXXX, Plaintiff, XXXX XXXX XXXX XXXX XXXX, et al. Defendant in which XXXX XXXX as well as the federal government were held liable for inaccurate FCRA reporting.
Product: Checking or savings account

On XX/XX/2024, I received a deposit of {$36.00} from the state of Montana as my state tax return. 

The return was rejected, and the error saying " name mismatch '' appeared This was my own return, and my name is the same on both my taxes and my Robinhood. I use Robinhood as my primary checking, savings, brokerage, and retirement. I can no longer access any part of my account, transfers in and out are locked. And it says to wait. 

Initially, it told me to wait until XX/XX/XXXX when this would be resolved. Then, it said XX/XX/XXXX. Now it says XX/XX/XXXX. I can not keep waiting. This is causing my bills to become overdue, which I have never been overdue on a bill before. 

I have reached out to Robinhood three times via phone, and each time they push my resolution date back. 

Currently, the application simply says " take action '' which should allow me to upload files of bank statements, but I have already done that, so it should tell me to wait for review. 

Every time I talk to a person on the phone, they are unhelpful and can not tell me why my account was restricted. 

They have requested I upload pdf 's of bank statements or account closure letters from : XXXX XXXX ( No longer exists ), can not get an official letter, only an email which I submitted XXXX XXXX, can not get an official letter, only an email which I submitted XXXX XXXX, I submitted a recent bank statement for XXXX. 

They said that they were submitted in the wrong format, but this is impossible, as the uploader only allows .pdf uploads. They told me that they wouldn't accept emails, but that's all I can get access to.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX XXXX in accordance with 15 USC 1666b because of inaccurate consumer reporting regarding late payments that are incorrect. I was never late and they needed to provide the disclosures stated under 1681 EI. 

15 USC 1666b states : ( a ) Time to make payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX made an error in reporting that the account was 60-90 days past due and that is incorrect. The account balance is also incorrect. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
Product: Debt collection

For stamps on approval, I've always sent back the stamps within 1-5 days. One shipment, which they claimed they did not receive, I spent over 2 hours back and forth with support, and they responded they found my return and had updated my account as returned. 
This was on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX
Product: Vehicle loan or lease

Contacted Santander Consumer & was told a letter needed to be mailed to dispute the amount owed. Letter mailed no update has been received by all 3 credit bureaus. 
Santander has not reported to the bureau since XX/XX/XXXX which at the time the balance was approximately {$18000.00}. It is now XX/XX/XXXX the account balance is now approximately {$8000.00}. There has not been an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the inquires that are reporting to XXXX XXXX and Experian. I contacted all agencies about the fraudulent inquiries being reported to my credit report. There was inquiry done by XXXX XXXX on XX/XX/XXXX and by Credit Info on XX/XX/XXXX and I reported both inquiries to XXXX XXXX and Experian it but it was never removed after both written complaints. I added the fraud alert again for these inquires in XXXX of XXXX with FTC. Experian and XXXX is still continuing to report these inquiries on my credit report. The inquiries are incorrect and are not mine and are continuing to report on my credit report. I want XXXX XXXX and Experian to remove the fraudulent inquiries from my credit report.