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

I have several accounts listed on my credit reports and the do not coincide with all three reports 1 ) this Bridgecrest report is showing that its open and delinquent and I paid this account off in XXXX on all reports 2 ) department of education I had I had those accounts forgiven and they are listed as delinquent on all 3 reports 3 ) XXXX XXXX  theses accounts need to be reviewed they have all different Amounts on all 3 credit reports and some not even listed at all 4 ) XXXX XXXX is listed on my 1 credit report and not all reports as this amount that was not paid when the account was canceled this needs to be reviewed and deleted as soo. As possible 4 ) collection account with no source listed fo {$49.00} dollars not listed on all my reports this needs to be deleted as this information is not accurate 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open 6 ) XXXX XXXX XXXX  is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open XXXX XXXX XXXX 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open
Product: Credit reporting or other personal consumer reports

I received my received my credit report on XX/XX/2023, from XXXX, Experian, and XXXX. Some information I do not recognize and inquires I didn't not authorize
Product: Credit card or prepaid card

I have been notified that an account in my name ( XXXX XXXX ) was open on XX/XX/13. That account has since been charged off with a balance of {$1600.00} via a 1099c. I have requested validation and verification frequently that was always responded to with nothing or statements that included little to no additional information. This debt is almost 7 years old and has caused me now to have my taxes garnished and ammended to include this subsequent " income '' after disputing its validity to no avail and paying the necessary taxes, This account still appears in multiple places on my credit profile as a debt that is owed and being collected on.
Product: Credit reporting or other personal consumer reports

Wells Fargo continues to report A fraudulent account that a was an authorized user account that I NEVER signed for. I have talked to XXXX at Wells Fargo several times about this issue and was told the error would be updated and removed
Product: Payday loan, title loan, or personal loan

Hi, A little bit ago I signed up for a loan with the tribal online lender named Spotloan.com because I received a pamphlet in the mail from them. I signed up on XX/XX/XXXX for monthly payments to payoff the {$800.00} loan in 3 months. Instead they signed me up for bi-weekly payments of {$140.00} at 490 % interest for a loan repayment total of {$3000.00} starting XX/XX/XXXX and ending XX/XX/XXXX. Just so you know this would mean every payment made would comprise of {$140.00} in interest and the rest to pay off the service. 
I called them to fix this and was told that they would so. Then on XX/XX/XXXX they pulled {$140.00} from my account, but sent it back. My bank account says they returned it. The spotloan online account for me said deleted. After which, they charged me a fee. I then called them and was told to call back later. Then again I was told later they would fix it. My bank account had identity theft in XXXX and had some direct deposit errors because of that so I didn't get to make another payment until XX/XX/XXXX for {$200.00}. The monthly bill still had not been fixed even after emails, and phone calls. Eventually I was told that even though they made the account error, they couldn't fix any of it because the system was locking them out. I tried talking to them about the returned payment, the account set up wrong, the fact that they can't just refuse money and charge me without even trying to help me resolve this. Sense the account was created tell the XX/XX/XXXX they sold my account to true accord for {$1800.00}. I need to have spot loans unlawful business practices brought to the light and have my loan be removed because of unlawful loan practices. 
Thank you,
Product: Checking or savings account

After prior TERRIBLE experiences with Citi *banking* ( not credit cards ) in the past, I attempted to give them one more try to see if they had improved their platform/customer service, and opened a Checking account with them. 

XXXX. On XX/XX/2023 I attempted to open a checking/savings account with Citi. Due to an error from their website, two accounts were opened. I immediately contacted Citi to let them know I only wanted one account, and to close the other account. 
XXXX. On XX/XX/2023 I transferred {$10000.00} USD from my XXXX XXXX account to my new Citi account, using the Citi money transfer feature. 
XXXX. On XX/XX/2023 I noticed I could no longer login to my account, and had received an ambiguous email from Citi stating " Your Citi account ( s ) will be closed '' 4. I immediately contacted Citi to find out what is going on. They refuse/are incapable of telling me ANYTHING regarding this matter, and had the nerve to suggest I " used a VPN '' to circumvent some kind of access controls on their side. THey were unable to substantiate or clarify this accusation, and are only able to brush me off and say " you will receive a letter in a FEW WEEKS explaining this decision '' 5. Citi is REFUSING to return my {$10000.00} - suggesting it will be done when it's convenient for them ( >30 days? ) ; _THEIR TEAM_ suggested I submit a DISPUTE with XXXX XXXX about the money that Citi is refusing to return. 
XXXX. I have submitted a dispute with XXXX XXXX, and they are saying due to the time frame that had passed, they can not reverse the ACH and it will now have to go through their full dispute resolution process which is >= 45 days. 

It is absolutely absurd and unconscionable that Citi has chosen to take, hold, and refuse to return my {$10000.00} transfer without any explanation. AFter multiple calls to Citi, I am unable to get ANY information and am constantly told just to " wait for the letter in the mail '', leaving me in the dark with where/what is happening to MY funds and when they will be returned to me. 

Citi has making/is making NO attempt to explain what the issue is with my account or why it was closed. This is absurd. 
Banks should have some responsibility to consumers to tell them what is going on with their account, and clear explanation of the accusations surrounding accounts being closed/locked/made inaccessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Credit Card Open date XX/XX/2021 Account number XXXX Amount {$1000.00} high balance of {$1200.00} Contacted Capital One in regards to this account that is reported in my XXXX XXXX and was inform that the account in question was not mine. However, they did nothing to try to assist me in removing it out my credit. I can not apply for a mortgage loan due to their negligence of reporting inaccurate information in my credit which cause my credit drop significantly. This home will not stay in the market for long. 

XXXX accepted information from companies without asking the companies to confirm the validity of the debt to the consumer. Neither the accounts, addresses, inquiries that were placed in my credit was actually mine. For they negligence my credit has suffered significantly. Their negligence has caused me not to be able to meet the credit criteria/standard for a mortgage loan that I was negotiating the price of a home.
Product: Debt collection

Fact, CHRYSLER CAPITAL is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a.

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692c ( ( a ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692c ( ( b ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692e ( 2 ).

Fact, CHRYSLER CAPITAL is willfully in violation of 15 U.S.C. 1692e ( ( 12 ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692j ( ( a ).

Fact, CHRYSLER CAPITAL is willfully in violation of title 15 U.S.C. 1692j ( ( b ).
Product: Debt collection

Disputes with the company on XX/XX/XXXX and they updated the account with no verification. however I sent a letter back on XX/XX/XXXX and they continue to not verify the debt, however they also sent the letter out on XX/XX/XXXX when I haven't even sent the letter for the follow up. They lied about the timing they sent their mail. They sent me a letter of the amount being owed but still no verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX  XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX  XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, 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 # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 USC 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.

Also according to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

so they keep saying they haven't received documents police report I sent those by mail as to well you .Experian XXXX XXXX stated you guys just sent statement. no attachment so I have had my mail tampered with but can you I'm sending these letters of proof and legal documents from irs .can you have have all Experian XXXX XXXX remove these as these have been taken care of .late payments and are illegal. and they need to pay for violations they have committed for the past year .fraudently allowing reporting of false information removing account after viewing police report FTC .changing and altering an old personal statement I did not not authorize.as well credit concepts is not my grantor. each reporting agencies need to pay these fine for damages due as laws state 1,000 per violations and willingly and knowingly reporting wrong information and law states re investigation 15 days most cases 3 to give. it's been over a year they have caused me to be judge and discriminated against for their false doing as if you look on public record I am a secured creditor.. I never gave any agency or buissness to report false illegal information on my report. and reporting information to buissness to be denied as they stated and one Bank showed me what they reported and I compared my report information I know nothing about I need late payments removed every account as in payed as agreed. and if they can't do this with in 3 days as well each agency pay for damages not ones they fixed. but one they neglected and causing my household harm and injury.i sent affidavits 1009a also credit concepts debt discharge so these agencies not removing this immediately as laws states criminal and civil charges will be filed in 3 days of receiving I have every right. deceptive buisness act I asked each Agency for every application validating what they are wanting report .only thing they report is damaging illegal. I was told to pay my bills I won't have this issue. funny 1099a and 1099c they not well up-to-date on. and stop telling people wrong info. I save d everything over last year audio chats certified mail receipts. I have more than enough because of these agencies my kids have to go with their mom. I can move foward in life and being willfully injured because of them .and it needs to stop. they have 4 days to fix and 7 days I sent attached invoice for damages that I need to receive which I'm entitled to or I will be moving forward with charges and material facts and all complaints sent to you and little has been done. today they fix and pay that's it or charges are being filed.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my TransUnion credit report, which I believe are likely the result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a thorough investigation into these inaccuracies. If any inaccuracy is identified, TransUnion must remove or block these items from my credit report to ensure the information reported is 100 % accurate.

I am not simply requesting a generic notice that an investigation has been completed. I demand a detailed explanation of every step taken in this investigation, including how each disputed item was verified, what sources were contacted, and what documentation was reviewed. Transparency is non-negotiable.

Failure to comply with FCRA regulations could result in further action. I expect prompt and complete resolution of this matter.
Product: Checking or savings account

Our Capital One account was in the process of closing starting early XXXX, on XX/XX/24 an ACH was deposited into this account which should have gone to our other bank. Capital One is still holding the funds balance ( {$38000.00} ) while they investigate. I have called repeatedly and was not provided any timeframe for the release of these funds. These funds need to be released asap, this is a lot of money they are keeping.
Product: Debt collection

I have been complaining about this exact issue since XX/XX/XXXX  with no valid proof received for the method of verification by the credit reporting agencies. The last contact I had with Credit Collection Service is a vague list of random transactions with no descriptions, no proof of my ownership of the said debt and no evidence of my wet signature or anything indicating what or who these charges were made for. I dont know who authorized these charges or what exactly the charges were for. 

They continue negatively reporting for a debt collection that they clearly dont actually own or know about since no valid proof has been provided to me despite my efforts to receive this information. Im asking for valid undeniable evidence on what this debt was authorized for and by whom.
Product: Credit reporting or other personal consumer reports

Equifax Commercia Reporting is reporting inaccurate accounts on my commercial lending report. A derogatory account reporting from XXXX XXXX is paid in full and in good standing. I have furnished Equifax Commercial Reporting with documentation directly from the creditor to verify the account isn't past due or negative, however, the information still has not been updated on my account. This error is causing me to be declined for receiving lending from other creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft that occurred in XXXX of 2021. I reported this issue to the 4 credit bureaus and 3 of the four have acted instantly on the issue, however one refuses to and even claims that I am lying about the issue. I have been in contact with them numerous times, twice over the phone for over 45min ea, with still no resolution. I have spent countless hours tracking down information to prove them wrong. I have even spent time and money mailing them paper copies of all information, but to no resolution. I have documented all contacts with them and can provide all necessary emails / paperwork I have. Equifax refuses to follow the FCRA, and places me at blame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

This in in regards to my paypal they hold my money and said wait for 180 days.Im an online seller of virtual products to support the needs of my family in this time of crisis since i dont work anymore due to covid 19 and why they hod my money its my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

So XXXX sent money to an agency FRONTLINE ASSET STRATEGIES. I disputed the collection on XXXX, and I just found out that theyre continuing to say I still owe them when I dont. I was in a month to month plan with XXXX XXXX was not in a contract with XXXX and I owned my phone so I was able to cancel and switch services at any time. I waited until the month was over that I had paid for and I switched over to XXXX XXXX to save myself {$25.00} a month. I ended up in XXXX XXXX XXXX for a couple weeks during that time, so I was never able to formally go into the XXXX store or call them to tell them that I was switching companies. But regardless, I was paid up to date and they can see on their end that the XXXX  number wasnt active anymore, due to me changing numbers and getting a new SIM card. But the whole point of being in a month-to-month plan is that youre not in a contract and that if you dont pay then your phone is shut off until you do pay. Had I not gone to XXXX I would had formally been able let them know. I was innocent and its sad we pay the cops salaries to destroy citizens lives everyday with ridiculous charges and treated horribly because they all have ego trips and should not be cops. But because of that, I had to spend what I had on a lawyer and XXXX, and am XXXX XXXX XXXX and the XXXX who lied and got me XXXX so he will be dishonorably XXXX for false report. Long story short, I had a lot of other stuff on my plate, to keep my freedom and the last thing that was on my mind was calling XXXX to say hey I switched companies. And like I said earlier, since I was not in a contract, I owned my phone and was paying month-to-month, I thought that they would just turn off my service until I paid for the next month, or they would see that i no longer had XXXX SIM card. I have the same plan with XXXX XXXX, and if you dont pay, they shut off your service until you do pay and thats how I thought XXXX was because there had been times previously where I couldnt afford my phone bill and they just turned off my service until I made a payment within a certain amount of time. Once I put in a new Sim card and changed my phone number, they know on their end that I am no longer with them, and I refuse to pay them {$120.00} when I dont owe that to them and theyre trying to be difficult which is the reason I left them in the first place always trying to hit you with hidden fees and saying you owe money for this your bill is more expensive this month. They are always so shady I dont owe them a penny.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$17000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX was a cable company that I had while I lived in XXXX California. I terminated my contract with them and went with an alternate company. XXXX XXXX XXXX XXXX continued with service and did not stop the service as I requested. They billed me for that service afterMy request. I was assured that this bill would be corrected when I addressed it with XXXX XXXX XXXX XXXX. They are now sending me to collections several years later for their billing error. This collection is adversely affecting my credit. My credit rating is perfect otherwise.