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

I've gone through the credit I've noticed a few collections that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my credit worthiness.
Product: Credit reporting or other personal consumer reports

XX/XX/year>. XXXX. Bank sent email saying my contact number changed. I didn't change anything. Rocket Mortgage employees sent email saying they need payment. I have sent information to XXXX XXXX XXXX XXXX XXXX land theft in XXXX XXXX XXXX. XX/XX/year> XXXX XXXX and another man practicing here in XXXX XXXX. At XXXX location I just rented. I contact XXXX insurance in XXXX to explain the Theft of my assets in XXXX XXXX and XXXX. XX/XX/year> the XXXXXXXX XXXX  XXXX harassment. Even after XXXX XXXX  clarification of investigation for me to get them receipts. I am not married to Anyone in XXXX XXXX. XXXX XXXX I don't know him. We don't have XXXX business together. We never worked together in XXXX XXXX XXXX. I don't know why XXXX. XXXX, Rocket Mortgage, XXXX XXXX XXXX XXXX to allow XXXX XXXX and other clowns to steal my information and play with my business investment. Please do something XXXX XXXX I met in XXXX. We never had any money transfer or investment in my XXXX XXXX XXXX here in XXXX. These are the only ones I am aware of that have done sorcery here where I am. If the people in this area I am currently. Contacted these clowns then please look into bank robberies here in this area. I have not used my credit card or anything else yet. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not liable for this debt Account Name : XXXX XXXX  account XXXX Account name : XXXX  account XXXX
Product: Debt collection

FRAUDULENT deb collection attempts ... .Received both a call and was sent a letter from Allied International Credit corp AIC attempting to collect a debt of {$77.00} from original creditor XXXX  . when checking my XXXX  account there is no communication of debt owed whatsoever. When searching the company on the internet it states these are fraudulent inquires/not legitimate and XXXX states they will never send communication in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute to Equifax and XXXX about some sketchy accounts on my credit report. To this date I have not received any updates. I'm just trying to get this resolved so I can move forward with my life. This is adding more pressure to my life because I can not use my credit for anything and these accounts aren't even suppose to be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My check was issued by my employer to be sent out to me. our Pay Date of XX/XX/2022. I can see my check on ADP. Which was then confirm by my place of work, that it was issued to me. I have yet to receive my check. Check in amount of XXXX for XXXX hours of work during the time period. I have called and still have not received my money. Chimes claim that they do not no where my check is which I think is a absolute lie. A representative was able to confirm that their was a check, in my name, from my place of work in the amount of XXXX. They continue to give false narrative. They are not the bank, chimes can not act as an agent for the bank, continue to classify as a bank of financial institutions via recorded phone calls. Where my money, where my pay, who gives you the right to hold my check if you are not an actual bank, and consumer had to verify identity prior to creating an account. Its been 5 days since my pay. Chime is laundering money, involved a huge money scam. This company needs to be AUDIT!!!
Product: Credit reporting or other personal consumer reports

I have reported these accounts either dont belong to me due to fraud or/and I showed proof that I never owed a balance to Equifax. These accounts are XXXX XXXX XXXX : {$620.00} XX/XX/XXXX XXXX XXXX  : {$470.00} XX/XX/XXXX XXXX XXXX  : {$670.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has displayed unethical behavior and acted unconscionably arbitrarily posting reaged bankruptcy dates reported on my consumer file equifax stated that the source reported the the bankruptcy is the court which is deceptive I verified this with the court and that advised they are not a furnisher and did not report to equifax court reported not responsible for the misuse of my personal information reported on my credit reports XXXX and XXXX acted expeditiously to correct the wrong. 
Equifax is stalling despite I also sent letter with all necessary verification via USPS and received the green cards of correspondence received by equifax. 
This has dropped my score and cause me harm to only have risk based apr over 28 % and less access to credit. I served this country and this is the insult I received. 
Affected my opportunity for XXXX 's promotion and to purchase autombile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called XXXX XXXX to make a good faith payment and enroll in payment relief due to being affected by COVID-19. I made a {$1000.00} payment and successfully enrolled in the Relief program. My account was brought from past due to current status. The customer representative confirmed that I would not have negative reporting due to the pandemic and my current payment. Three days later on XX/XX/XXXX, delinquent payments were reported to credit bureaus despite successfully enrolling the payment relief program.
Product: Credit card or prepaid card

I completed a balance transfer in or around XX/XX/2018. As explained in my terms and conditions, the interest rate was a set percentage, but could increase. However, how that interest was calculated was on a per billing statement time frame for the balance transfer. I paid my card in full in XX/XX/2018, but I just received notice that I still owe a final " Balance transfer fee '' payment, event thought my account balance is XXXX.
Product: Credit reporting or other personal consumer reports

This account [ XXXX XXXX XXXX XXXX ] [ XXXX ] was charged off on the following date [ XXXX, 2024 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : [ XXXX XXXX XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found inaccurate information on my consumer report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I never lived there at above address and the XXXX, Equafax, XXXX XXXX XXXX not remove it some reason I even submitted the documents to approve it and I also noticed the XXXX XXXX and XXXX are not updating there XXXX scores XXXX Equally if they are getting XXXX scores from Equafax it XXXX be the same I dont understand Equafax is XXXX but XXXX XXXX is XXXX and XXXX is XXXX XXXX believe scoring module reported unfairly.
Product: Credit card

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue XXXX, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Product: Money transfer, virtual currency, or money service

I am victim of theft by deception from a caller that showed up on my phone as XXXX support and I was told that my XXXX account had been hacked. I was told that XXXX security discovered 2 hacked financial transactions and that once I downloaded what I was told was an XXXX  operating system app the XXXX representative was going to walk me through the steps so that the alleged financial transactions could and would be reversed. The person had me use the XXXX  link from my bank which is Wells Fargo and the person was sending fake text codes for me to use in order to complete the fraudulent illegal transaction. 
I lost {$500.00} dollars as a result once I learned that I had been scammed I immediately filed a claim with Wells Fargo and a claim was filed with their online fraud department. I also have filed a police report which I was told that the police were contacting the secret service since the transaction involved money and possibly an international scam I am concerned that Wells Fargo is not going to return the funds which I cant afford to not recover. 

Any help is greatly requested and appreciated
Product: Credit card or prepaid card

bank of america applied my payment to the lower interest rate portion of my balance so that my minimum payment went from {$700.00} to {$850.00} in one month Their explanation was the type you get from your local XXXX XXXXXXXX. They said thats the way they are supposed to do it? There is no indication of how they do it there is no ability to pay off the higher interest rate first with a monthly payment. They said the only option was to pay the whole amount. PS this is my second complaint for the same account. 2 years ago I asked them to set up auto pay they failed 3 times with the wrong due date, the wrong routing number and the wrong amount ( a fixed number which didnt cover the minimum ) resulting in more than a half a dozen fines and penalties. When questioned by the CFPB the head person at bank of america actually lied and said I did it which was simply a lie. PS to this day I still dont have autopay set up, probably good I would not have realized this new rip off. PS now i have to look back my monthly payment was a lot lower if I recall perhaps they are ripping me off every month. But I have a business to run
Product: Credit reporting or other personal consumer reports

TRANSUNION NEED TO SHOW ME XXXX AND XXXX ORIGINAL SIGNED CONTRACT WITH MY SIGNATURE ON BOTH, TRANSUNION SHOULD HAVE THIS IN THERE SYSTEM
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr performed a background check on me and was only authorized to look back 7 years based on the contract I signed. They put negative info on my report that was 12 and 15 years old. This influenced XXXX to not allow me to become a driver for them. They violated my rights and are now discriminating against me.
Product: Money transfer, virtual currency, or money service

COINBASE CASE # XXXX - {$25000.00} Wire Reversal missing for 2 months - XX/XX/2018 - I had a wire transfer sent to Coinbase for {$25000.00} that was reversed since it was sent from my business checking account ( name mismatch ). Received email response from Coinbase indicating 7 business days for wire to be reversed and sent back. Screenshot of Wire Reversal email from Coinbase attached. 

XX/XX/2018 - Emailed Coinbase customer support and requested status on wire refund. Coinbase responded the same day requesting details regarding my wire transfer which provided to Coinbase. I reminded Coinbase that I've invested over {$200000.00} with their company and this was something that needed to be resolved. Called Coinbase Support and hung up after 45 minute wait. 

XX/XX/2018 - I received an email from XXXX ( Coinbase Employee ) stating that she apologized for the delay and would help resolve my wire refund. 

XX/XX/2018 - XXXX ( Coinbase Employee ) requested further documents which I provided. Also provided Wire Transfer instructions from my bank to assist with the reversal. 

XX/XX/2018 - Emailed XXXX ( Coinbase Employee ) to provide status on wire reversal. I have not heard from XXXX since providing all the documentations Coinbase requested. 

XX/XX/2018 - Called Coinbase Customer Support to check status of my ticket. Spoke with XXXX who could see my dispute had been in the system since XX/XX/XXXX. XXXX stated that my case was escalated to the highest level. 

XX/XX/2018 - Emailed XXXX ( Coinbase Employee ) requesting status update regarding my wire reversal. No response was received from Coinbase. 

XX/XX/2018 - Emailed Coinbase customer support regarding wire reversal. No response or status update has been provided. It has now been 7 weeks since the initial wire and I haven't received my wire reversal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report. I am a victim of a recent data breach, which has compromised my personal information, resulting in unauthorized accounts and inquiries. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items from my credit file.

The details of the unauthorized accounts and inquiries are as follows : Fraudulent Accounts XXXXXXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$520.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$69.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$16000.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$190.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX. XXXX  XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4000.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$750.00} Unauthorized Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
According to the U.S. CODE, TITLE XXXX, CHAPTER XXXX, SUBCHAPTER XXXX ( NUMERAL XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( NUMERAL XXXX ) " There is a need to ensure that consumer reporting agencies exercise their serious responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy '' I APPRECIATE PLEASE THEY BE REMOVED AS SOON AS POSSIBLE SINCE IT IS AFFECTING ME FOR A LONG TIME AND I HAVE LIMITATIONS TO OBTAIN SOME TYPE OF CREDIT AND ADDITIONALLY I REQUEST THE TYPES OF JOBS THAT ALSO APPEAR IN MY REPORT IN AN INCORRECT WAY, BE REMOVED. 

I also need to please correct the phone number at XXXX and if the fraud block that was placed on XX/XX/year> can be removed because also when I apply for any credit I do not have that phone number. 

And also due to the fraud block, it also does not allow me to access any credit tool or even open a bank account online.
Product: Credit card or prepaid card

Submitted a billing error dispute with Capital One under title 15. USC. 16666 within 60 days of my last received statement. I notified Capital One that there was a billing error and Capital One proceeds to not only close the account, but charge the account off. Per 15 USC 1666 ( d ) this constitutes as a violation. There was a computation error as the disclosure documents specifically the document that details how the interest is calculated was not clearly and conspicuously disclose within the statement.
Product: Credit card

On XX/XX/XXXX, I received an email stating a confirmation on Home Depot Consumer credit card supported by Citi under my name and my account. But I never filed such an application for a credit card to neither Citi nor Home Depot. This is a fraud. I need Citi and Home Depot to remove this account immediately and get back to me a confirmation on such a removal. Till then, any expense and charge on the account or the card is not my responsibility, I will not be borne any expense and charge whatsoever Thank you for your help.
Product: Debt collection

XXXX XXXX To Whom It May Concern Equity auto loans llc The debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this information from my credit report Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a Chase Amazon signature Visa with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called chase and cancelled my credit card. Since then, I have had 3 Chase Amazon application submitted in my name without my knowledge until it shows up from my credit alerts. XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. All applications were denied. All were applied under my old address. I have called Chase each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with Chase and Amazon around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just Chase Amazon, please Help this is ruining my credit.
Product: Credit card

I made a reservation for an apartment on XXXX on XXXX/XXXX/17 and charged {$1600.00} on my Chase Visa credit card. I learned the next day the host was a fraud and contacted both XXXX and Chase to report the problem. Chase said they could not dispute the charge because it was still pending. I cancelled the reservation and under the XXXX policy I received a partial refund. I disputed the charge for the remaining amount with both XXXX and Chase. XXXX admitted the host was a fraud and said they were working through the issue. Chase would not agree to contact XXXX to determine if charge was fraudulent. I had the acknowledgement in writing from XXXX that the host was fraudulent. Weeks went by and Chase continued to do nothing and insisted was responsible for the charge because I knew the cancellation policy therefore I was responsible for the charge. Chase was unwilling to protect me from XXXX keeping my money for a fraudulent host. Finally after multiple emails, calls and influence from XXXX news, XXXX notified me that they would refund the remaining amount I had paid. I am actually more upset with Chase credit because they were completely unwilling to conduct any research with XXXX to assist and protect me despite the close to {$1000.00} fees I pay to Chase each year to have XXXX credit cards with their company. I contacted all the major news stations in my area because I wanted consumers to know both XXXX and Chase credits cards do not protect consumers from fraudulent hosts. In fact, XXXX is interviewing me next week on this story. I sincerely hope your organization will contact Chase and not allow this practice so that other consumers do not find themselves in the same situation.
Product: Mortgage

Mtg was transferred and after this was done I was clocked from seeing statements and tax information from the selling mtg company
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00}. I've paid many applications fees for mortgage just to find out that fraudulent accounts are being reported. I have wasted my time and money. I am demanding remedy per the Law.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately with remedy. I have attached invoices for remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I submitted my dispute regarding XXXX XXXX company with trans union on XX/XX/2020 and XX/XX/2020 that dispute came back verified but the problem is trans union Violated the FCRA by not giving me the information that I had requested in my initial dispute FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate my dispute trans union violated the FCRA and I would like to have that account removed and any monetary consider for trans union violating the FCRA