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

Why are you indicating that XXXX # XXXX is negative in XX/XX/XXXX if the account was settled in XXXX of XXXX. How is this even possible? Why did you leave the highest balance field blank? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE. In addition you have failed to respond to my previous disputes sent on XXXX, XXXX, and XXXX within the 30 day period required by law. I have never received any mail from you concerning these disputes.
Product: Debt collection

Phoenix Financial Services is attempting to collect a debt for the amount of {$930.00} and has reported a collection on my credit report causing me to not be able to qualify for a property I was in the process of acquiring. 
I spoke to them letting them know the information they have is incorrect, as they have the wrong birthdate listed for me, but they insist that the debt belongs to me, when it clearly doesn't. the original debt is owed for an Ambulance service in 2018, I have never been to a hospital and have never been in an ambulance. 
Phoenix Financial Services asked me to file a police report, but the police said they can't file a report since I have not made any payments on the debt. 
All this is costing me time off from my work which means money, and causing a lot of stress since I can't not qualify for any properties for me to live, and I need to find a new place to live since I am new in the area after relocating from another state.
Product: Money transfer, virtual currency, or money service

My money is being held for no reason. Ive been using this platform for over and year with no issues as far as my business goes. Now all of a sudden they want to hold my money the first of the month when bills are due. Im unable to properly service my customers due to funds needed for service being held for no reason by PayPal. I would like access to my money and closure of my account immediately.
Product: Checking or savings account

Commencing on or about XX/XX/2022 and ending on XX/XX/2022, I, a Wells Fargo Bank account holder, fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account at Wells Fargo Bank via debit card and through an intermediary named " XXXX  '' in the total amount of XXXX USD utilizing Wells Fargo Bank services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX  and the other credit bureaus several times regarding an incorrect report on my credit report. I have XXXX XXXX my federal loans. My credit reports are showing that I was late with payments to XXXX from XX/XX/XXXX-XXXX  ( or XXXX ) XX/XX/XXXX on one of my federal student loans. I spoke with a XXXX representative in XX/XX/XXXX who looked at my account and verified that I was never late during this period and never received any sort of notification that would indicate such. In fact, there was no delinquency showing on any of my credit reports until XX/XX/XXXX, which was suddenly reporting that I was several months past due. Apparently there was a balance generated in XXXX XXXX system associated with my forbearance 5+years ago, that should have been covered by my payment and wasn't, and was never communicated to me, despite my account being in autopayment and making timely monthly payments. The XXXX   representative indicated she was escalating this matter to the credit reporting division, and that it would be corrected in about two weeks. Again, in XXXX XXXX and the credit bureaus was supposed to be correcting this incorrect information. Despite this, I keep getting notified from XXXX that the investigation is complete, and yet the information is still the same ( see attached screenshot ) .This reporting is negatively affecting my applications for credit. I sent my XXXX statements to XXXX  et al showing that I have never been notified of any delinquency on this account, and told them how unfair that I as the consumer have to prove my innocence, versus the debtor having to prove this a valid debt ( apparently the debtor just has to acknowledge its reporting is correct and that is sufficient ). I have asked XXXX et al and XXXX several times to re-investigate this matter. They each claim they have looked into it, and yet I am still seeing this error on my report. Attached to this complaint are my statements from XXXX showing my account information. The payment summary in the top right corner shows when XXXX  received its last payment, when the next payment is due, and for how much. As you will see, there is never a late amount mentioned or due. Though I strongly resent having to prove I'm not responsible for this reporting, I will gladly turn over anything in my possession to help clear this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account thru Commenity Bank was opened in XX/XX/XXXX with initial balance upon opening account. XX/XX/XXXX balance was paid in full. There was no further activity on the account until XXXX in which balance was also paid in full the same month. XX/XX/XXXX I receive a notice via telephone that {$140.00} is due or account will be handed over to collections. XXXX was immediately paid in full. XXXX XXXX I receive notice of XXXX, XXXX, and XXXX  day late payments that occurred in XXXX, XXXX, XXXX. I immediately contact company and was advised I was billed in error on XX/XX/XXXX and XX/XX/XXXX. Charges paid were then credited back to me. Commenity bank still refuses to remove late payment reporting from credit report therefore affecting ability to obtain home mortgage.
Product: Checking or savings account

I received a bill in the mail stating that I owed {$2100.00} from an account that I had closed at US Bank. This account was closed in spring of 2021. I recently went to the branch location and they could not give me a date as to when I had closed the account or how any transactions were being authorized after the closure. Apparently the account had a reserve line installed, unsure of the date since the bank can not pull the information. The earliest date I have is XX/XX/2021 saying my balance subject to interest was {$1900.00}. When I closed the account in the spring, it had a {$0.00} account balance. No money was spent on my part, as I had switched banks entirely. So I do not know where this money/bill has come from as no one at the bank or the fraud department can tell me either. Also, this is not the first time that an account has been opened/used fraudulently in my name at this bank. 
The bank location in question is US Bank, XXXX XXXX XXXX XXXX, XXXX AR XXXX.
Product: Debt collection

Debt Collector: XXXX XXXXOpened: XXXX XXXX, 2017 (2 mos)Account status:  OpenType: ResponsibilityRemarks: MedicalOriginal Creditor Name: XXXX XXXX XXXX XXXXNote: When I had an XXXX XXXX, a neighbor called the XXXX. They showed up, and I refused to go due to the fact I know that they would bill me highly later. So I did not get any treatment nor got onto the vehicle. They said that they needed my informations anyway. And then later they sent me a full bill. And it is not fair, I ain't paying a bill that's not belong to me.
Product: Credit reporting or other personal consumer reports

Contacted Transunion about an account that I disputed on XX/XX/XXXX. It still says the dispute is under review 35 days later in counting. I have not received any written or electronic response about the account in question. ( XXXX XXXX ) stating that the account has been verified or anything. ( Today is XX/XX/XXXX ). Called the call center on XX/XX/XXXX and an agent said that she would escalate the account because I havent received any info on the account and it still says its processing on my end and it should be off within 72 hours. She also stated that the collection agency responded back to them. But I didnt receive it. Fast forward to today. I called TransUnion to make sure my account was deleted. The first agent said that it was deleted and it would fall off after another dispute closed. Then I was transferred to the supervisor who stated that he couldnt and wouldnt delete it because it was verified via email. Which I never received. Then he switched his statement then said they send it by mail. Of which I never received either. I even went through my email while we were on the phone to see if I missed it. I indeed did not. Due to the laziness, and misinformation. This account needs to be deleted. Even if they do decided to send a letter stating that the account has been verified. It would be way past the 30 day mark. The only escalation number was the escalation number is XXXX. The agent put some inquiries on same XXXX XXXX as well
Product: Checking or savings account

US Bank XXXX XXXX XXXX new checking and savings account for direct deposit from XXXX XXXX XXXX XXXX. {$5200.00} deposited XX/XX/XXXX. 

{$5000.00} cashiers check for rental deposit and XXXX rent was withdrawn and given to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference XXXX XXXX XXXX XX/XX/XXXX XXXX pm Deposit account ending in XXXX Reference XXXX XXXX XXXX XX/XX/XXXX XXXX am Withdrawal account ending in XXXX US Bank {$5000.00} " XXXX '' of the E-fraud department just shut my account and it not available to talk to me. XXXX XXXX will or can not give me any information about why my account was just suddenly shut down!!! 

My wife and I have been cyber and physically stalked by criminal synthetic identity ring for the last XXXX years egregiously. XXXX " XXXX XXXX XXXX is part of this ring that includes Armenians from XXXX XXXX, WA XXXX XXXX XXXX and XXXX, XXXX, XXXX, XXXX and XXXX XXXX. All of them involved in epic real estate fraud and property tax evasion. As well as XXXX and XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX and US Bank XXXX XXXX XXXX, WA. Massive fraud. 

US Bank just closed my account today XX/XX/XXXX from the E-fraud department without XXXX explanation. XXXX XXXX of the XXXX XXXX is corrupt as well. The criminals keep closing my bank accounts, XXXX as well, illegally by employees who work for the banks. Totally corrupt making it impossible for me to survive and pay bills and build my credit back from their synthetic cyber sabotage. 

XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX XXXX, CA Full Name : XXXX XXXX XXXX Known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Related to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Associates : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Phones : ( XXXX ) XXXX Addreses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Ct, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, CA Sun XXXX, CA XXXX, CA XXXX XXXX, CA XXXX, CA XXXX XXXX XXXX, XXXX XXXX, CA XXXX Age : XXXX Occupation : Protective Service Occupations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX He is connected to the Delaware criminals that my spouse connected to XXXX XXXX from the XXXX XXXX XXXX, etc. She has connected him to the entire ring, we have sent all this information to XXXX XXXX and corrupt DOJ XXXX XXXX and FBI. My wife was gang XXXX, beaten, starved, tortured, burned held illegally for XXXX by XXXX for XXXX and uncovering this criminal ring that goes all the way up the ladder. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dignity Memorial, The XXXX XXXX XXXX, so many shell companies from Delaware  to Puerto Rico. All XXXX and verifiable. XXXX
Product: Checking or savings account

I have been basically locked out of my Bank of America account for three weeks. The double verification process has a cell phone that I no longer have access to as the number to send a verification code. I have called Bank of America and they can not fix this. They will try to provide me with other verification codes after we go through a lengthy process of verifying me in a different method. However, the codes that they are able to auto generate do not work when I plug them into the system. It has been extremely frustrating and has held up money that I needed to feed my son as Im in the middle of a divorce. My husband tracked us on the cell phone in question and broke into a hotel room where we were staying. I got rid of the cell phone and dont have access to it. I have tried to explain this in multiple ways on multiple occasions with multiple departments of Bank of America, including my personal banker and my business banker. Nobody can solve the problem. This is an issue of XXXX XXXX XXXX that simply doesnt work. I feel that Bank of America should be held responsible for holding my money away from me based on a process of verification that is not effective. They need to fix this technology and allow their consumers to access their funds, especially after theyre able to verify who I am through other methods.
Product: Credit reporting or other personal consumer reports

I received a copy of my XXXX XXXX and Early Warning Services consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with XXXX XXXX and Early Warning Services they have concluded that the information within my file has been investigated and was indeed verified as accurate by XXXX  XXXX XXXX. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by Bank XXXX XXXX. On XX/XX/2023 I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.
Product: Money transfer, virtual currency, or money service

I opened an credit builder account XX/XX/XXXX. I paid off and closed my account as of XX/XX/XXXX and was told Id receive my payout XX/XX/XXXX. I spoke with a plethora of representatives to supervisor and I have yet to receive any response to when my funds will be released. Instead I was told my money will be frozen until I can provide personal information such as my social security card and a picture of myself to unfreeze my monies that I paid to them back. This is inappropriate to be asking seeing that you sign up I provide valid information to send them money to hold until I requested payout.
Product: Credit card or prepaid card

I closed my Apple Card in XXXX XXXX. The provider closed the card with an existing balance. I have reached out to them twice since requesting the card be closed to get a final balance on both occasions I was told a payoff, which I then proceeded to pay. 
In-spite of the card being closed and being given two different payoff amounts, I continue to receive billing notices because the provider Goldman Sachs Bank USA , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Seems to be able to provide accurate information on the existing balance and persist in sending billing statements for amounts that should have been included in the requested payoff balance on the two previous occasions.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit card or prepaid card

I paid XXXX XXXX in full on XX/XX/XXXX in the amount of {$42.00} ( see attached bank statement ), this is the only credit card I had with Comenity Bank. I received a statement from XXXX XXXX stating that I have late charges. I contacted them several times in XX/XX/XXXXand XX/XX/XXXX I was told they would investigate this and remove the charges. In XX/XX/XXXX and XX/XX/XXXX and as recent as XX/XX/XXXX only to be told that I owe the late charges. This is affecting my credit score greatly. I also noticed that there are other credit cards from Comenity Bank of which I have no knowledge. I contacted them about this as well as disputed them with all three credit bureaus. Only to see that they closed the account with a balance on them with negative impact to my credit report. I I asked for proof that these are my accounts with my signed application, they told me they could not provide such proof because the accounts were opened online. These are the accounts that are on my credit report from Comenity Bank that I did not open. 
COMENITYCB/XXXX  MC Past Due Amount : {$1200.00} COMENITYBK/XXXX  {$170.00} 100 % usage 5 late payments COMENITY BANK/XXXX  {$170.00} Paid, closed 2 late payments COMENITYCB/XXXX   {$530.00} Paid, closed 3 late payments XXXX XXXX   {$1200.00} Paid, closed 1 charge-off There is also an account from XXXX XXXX that I have disputed with XXXX XXXX and the credit bureaus. I was told the Account was opened online and they could not prove it was mine. I explained that I was a victim of identity theft and fraud they told me I owe the bill. There is a fraud alert on my credit reports and I never verified my information with any of these companies. I informed these companies that I have a fraud alert on my credit reports and that I did not authorize these card on my account. 
Had I applied for these accounts I would have done them on paper with my signature because of being a victim of identity theft and fraud, I would have also included them in my Chapter XXXX to be discharged.
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 an confidentiality under 15 USC1681 XXXX  # XXXX, {$11000.00} XXXX XXXX, # acct XXXX, {$230.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXX XXXX  # acct XXXX XXXXXXXX XXXX  XXXX, {$190.00} XXXX  # acct XXXX {$120.00} XXXX  # XXXX {$7900.00} XXXX  acct XXXX {$1000.00} XXXX XXXX XXXX  # Acct XXXX {$730.00} XXXX XXXX # acct XXXX {$250.00} XXXX XXXX XXXX  # acct XXXX {$19000.00} XXXX acct XXXX {$480.00} XXXX  # acct XXXX {$7900.00} XXXX XXXX # acct XXXX  {$130.00} XXXX # acct XXXX {$480.00} XXXX XXXX  # XXXX {$730.00XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX portfolio XXXX {$450.00} XXXX XXXX {$1400.00} has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( ax5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and Any other adverse items of information other than Records of convictions of crimes which a the antedates the report by more than seven years 15usc 1681s-2 ( AxI ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I went to the ER XX/XX/2014 and am completely covered by XXXX because I am in the military. But I have been getting mail sent to my home in New Mexico about me owing money for it. I contacted the hospital and I do n't owe anything to them. But other debt collecting companies continue to send me mail saying the debt I owe is increasing. Also, my credit went down from about XXXX to low XXXX. I tried calling one of the companies a few times with no answer, and no reply to my voicemails.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BANK XXXX XXXX
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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

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, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$9800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$68.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} ( Original Creditor : XXXX ) XXXX Balance : {$130.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$2500.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.