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

On XXXX of XXXX, people gained access to my online account and, claiming to be XXXX, XXXX without my knowledge or approval {$10000.00} from my savings account to checking, and then proceeded to " XXXX '' themselves {$5000.00} over XXXX transactions during each of these XXXX days. on the second day when I realized what was happening I contacted XXXX immediately, closed all of my accounts and online access and set up new ones, and had XXXX start an investigation ( XXXX and XXXX for XX/XX/XXXX and XX/XX/XXXX, respectively ). XXXX proactively gave me back the {$10000.00} during the investigation, and eventually came to the decision that the transactions on XX/XX/XXXX were fraudulent, but the transactions on XX/XX/XXXX were NOT, and that I had to pay them back the {$5000.00}. Of course I immediately disputed this decision and appealed this decision multiple times. Every time I appealed, they sent me a letter confirming my appeal, followed by another letter saying they support the original decision. Meanwhile, at no time did any contact me, the branch I went to when this occurred, or seem to do anything different or gather any more information. 
Eventually, XXXX then decided to CHARGE ME the {$5000.00} to a Line of Credit account that I didnt even have access to anymore since it was connected to the closed account. Not only did I have no way to pay these accounts online, I never conceded to agree to this charge and had continued to dispute the monies owed. Now, they have charged off the account and sent it to collection for debt that I dont believe I owe, PLUS they have continuously negatively reported on my account as being delinquent when the money owed is in question and dispute. So now it's also screwing up my credit. 
After being a customer of theirs for well over 20 years, I'm being treated like garbage and they are ruining my credit over an amount that is still suspect as to whether I even owe anything. And of course, at no time have the people who seem to make these decisions about the nature of my " case '' ever had direct contact with me. I have only been able to speak with their overseas support staff in the fraud department - never anyone domestic ; never the same person. I need assistance. 

I have attached a copy of XXXX their appeal acknowledgements as well as XXXX of their " we're not changing our minds '' letters. There were several of both. Please note they have also sent this account to collections and written it off as a " charge off, '' both of which is inappropriate since the amount is in dispute. Any monies I may have owed prior to XXXX adding the {$5000.00} balance I am quite happy to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the EQUIFAX data breach and was given notice that my info indeed was affected. Due to the breach, I believe these following accounts were opened fraudulantly. 
I hav filed a complaint and also a claim to EQUIFAX. 

XXXX XXXX XXXX {$1000.00} Account XXXX XXXX XXXX XXXX XXXX {$1400.00} Account XXXX XXXX XXXX XXXX XXXX {$790.00} Account # XXXXXXXX XXXX {$3500.00} Account XXXX XXXXXXXX I have filed and disputed these erroneous accounts but, I have not seen the accounts deleted. My life has been diificult due to XXXX and not able to get financing to survive due to these negative accounts on my credit report. I ahve enclosed the EQUIFAX claims form. 

I would like these accounts deleted off my credit reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate & I would like the reported accounts to be removed : XXXX  XXXX XXXX, XXXX, XXXX XXXX, and XXXX & XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to remove the following account from my credit report after XXXX and Transunion has deleted the following accounts. XXXX still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX
Product: Vehicle loan or lease

I was in contact with bank that financed car and advised that I had been affected by corona virus by reduced hours from XX/XX/2020 to XX/XX/2020. We were required to exchange shifts with each other so that all were allowed to have at least some hours until logistics were figured out for working from home. We were only allowed 10 people per shift. Bank stated they would give me a two month extension due to issue. On XX/XX/2020 I received notification from credit bureaus that my account with Santander Consumer USA Inc had been paid in full due to natural disaster.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX  Account XXXX Investigate the completeness and accuracy of every piece of information is not accurate, Account name : XXXX XXXX XXXX Account numberXXXX Investigate the completeness and accuracy of every piece of information is not accurate Account name : name : XXXX Account numberXXXX Investigate the completeness and accuracy of every piece of information is not accurate Account name : XXXX  XXXX Account number:XXXX Investigate the completeness and accuracy of every piece of information is not accrate.
Product: Debt collection

Recieved 2 derogatory marks on my credit report never heard or recieved a letter from the company about the account to dispute.
Product: Credit reporting or other personal consumer reports

XXXX absolutely furious to see a fraudulent account on my credit report. This account was opened without my permission, and its clear that my identity has been stolen. I never authorized this, and this is having a direct negative impact on my credit.
Product: Debt collection

Midland Funding has been trying to collect for the wrong balance for years! High balance is just over {$700.00} for original creditor, and Midland is trying to collect over {$1000.00}!!! Midland is also showing a Payment History and MONTHLY TERMS!!!! I never signed an agreement with this company! Under status it says CLOSED Collection on XXXX and XXXX Reports and yet they are still reporting!!!! Last status update for XXXX and XXXX is XXXX/XXXX/XXXX. XXXX is XXXX/XXXX/XXXX. PLUS I never did received a debt validation from this company when I sent one years ago! Says Original creditor is XXXX or XXXX XXXX and I never signed anything for that company! I believe the original company is XXXX!!
Product: Debt collection

XXXX XXXX XXXX has been calling me since last year regarding an account I had with Synchrony Bank/ Care Credit XXXX I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called XXXX and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that XXXX is n't even on my report. I then pulled all XXXX credit reports and XXXX is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent the amount of {$150.00} via cash app to a relative for re-union dues. The number it was sent to is her phone number. Her name is XXXX XXXX. This is how she is listed by name on cash app. I have her in my phone with the same number tied to the account a XXXX XXXX, which is the family name. Although this name is ties to her phone number she never received the money and cash app claims they don't know where it is. They asked that I send a request for refund but the request was declined and I am told there is nothing they can do about it. Note that this same account with the same name spelling has been used in the past.
Product: Credit reporting or other personal consumer reports

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

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

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

I recently got my credit report from Experian using the federal website to receive annual free credit reports from the XXXX agencies. While doing this I also chose to purchase a one time credit score from Experian, or so I thought. Now Experian is charging on a recurring basis for what appears to be credit monitoring, or at the least the ability to monitor my credit score and report. It was not clear from the website that I was purchasing a recurring service or that there would be a recurring fee for what I was selecting.
Product: Mortgage

I am submitted this complaint because my efforts to resolve this issue with better mortgage have been unsuccessful. They have requested that I submit insurance coverage for an HOA even though I have already provided homeowners insurance with physical damage coverage. The condominium that I live in only has two units and does not have and association to manage the property. The owners of the property simply maintain their own part of the condominium. With all this information provided to better mortgage they continue to insist that an HOA insurance is still required.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian ) credit report, and I noticed a late payment posted on my credit report : Account name XXXX XXXX  XXXX Account number XXXX Account type Child Support Responsibility C Individual Date XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated-Jul XXXX Balance {$2500.00} Balance updatedXXXX  Recent payment $ XXXX Monthly payment {$0.00} Original balance Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC.
Product: Credit reporting or other personal consumer reports

I have a closed account with XXXX XXXXXXXX I paid of the amount with the collection company I would pay the full amount as long as its updated with with paid in full on my credit they agree when I called back 30 days later the collection company and capital told me there is nothing I can do to go dispute it my self and this is with a record agreement
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach and Equifax actually admitted to it. My information was sold and bought illegally. I want these negative things removed from my credit reports. this has been ongoing since XXXX  and I have spent endless hours and years trying to fight this activity. Below is my proof I was affected by the data breach Your claim form has been submitted successfully Your claim number is : XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


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.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

i HAVE IDENTIFED THE REPORTING OF THE INFORMATION BEING REPORTING ON MY CONSUMER REPORT AS XXXX THEFT. THESE TRANSACTIONS AND ITEMS ARE NOT RELATED NOR MADE BY ME. DELETE UNAUTHORIZED REPORTING 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 PLEASE DELETE
Product: Debt collection

Opened on my report XX/XX/year> for the amount {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX XXXX which is closed. I did try to dispute and fix with XXXX, XXXX, and EXPERIAN refuses to add the affected by natural disaster or Pandemic to this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts in question were found on my most recent credit report where i found them reporting incorrectly : XXXX XXXX Account # XXXX Date Opened XXXX XXXX, XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XXXX XXXX, XXXX Balance {$3300.00} XXXX XXXX XXXX XXXX, XXXX By mail Only XXXX XXXX XXXX XXXX XXXX LENDING Account # XXXX Date Opened XXXX XXXX, XXXX Balance {$930.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$650.00} XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

I had a 'OLD NAVY ' master card store credit card for years with XXXX balance. 
I received XXXX  in the mail saying up to {$10000.00} for 0 % interest until XX/XX/year>. I used the XXXX  to transfer the money on XX/XX/XXXX. Due to holidays when couple of days later I checked the account a 4 % charges on my account were there. ( {$400.00} ). I called them and asked, they said if I transfer back {$10000.00}, they will remove this. 
I sent back the money {$10000.00} on XX/XX/XXXX. Called them and now they are saying they can't remove the charges. 
This 4 % fee was never mentioned before with the XXXX  and now they are refusing to remove it. I closed the account with them but charges are still there.
Product: Credit card

XX/XX/XXXX I received a letter from XXXX stating there was a fraudulent application from Capital One, XXXX Capital One, XXXX VA XXXX and that the inquiry on my credit report has been removed. I called Capital One at XXXX and spoke to a representative. I informed them of the above information, what the letter entailed and that in accordance with the Fair Credit Reporting Act I would like to obtain all documentation from the fraudulent application. The only application/account they could confirm was from XX/XX/XXXX for a Venture One credit card ( which I never applied for ). They confirmed that the application was reported as fraudulent ; I asked them for all documents under the act for that account. They stated they do not give out information pertaining to fraudulent applications and to contact the credit agencies. Problem is the letter from XXXX states I have to contact the company directly to obtain documents and information. After going around and around about my rights under the act they kept repeating they do not provide information because it is their policy and it was already reported to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are XXXX XXXX and Trans Union. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX XXXX and Trans Union all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union credit bureau is still listing an outdated " hard '' credit inquiry on my credit report. The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX XXXX XXXX. 

I have contacted both Trans Union and XXXX XXXX, to have them delete this inquiry from my credit file, with no success. 

The FCRA, or Fair Credit Reporting Act, passed by Congress, mandates that any " hard '' credit inquiry that is 2 years old or older, must be removed from a consumer 's credit file immediately.
Product: Money transfer, virtual currency, or money service

It is a lot of companies like coinbase XXXX XXXX and a numerous a lot more I can not receive any of my Bitcoins through any wallet because they stopped my funds I can see my funds online and in my wallet but can not access him it is really frustrating and on top of that I have all my stocks and I can't get at all of them either there's obviously someone blocking me and hire means I just need some help and I know you guys know because through the SEC I found a lot of information so if you can please open up my funds to me that will be nice as well I am a Bitcoin minor says 2009 and all of my blocks that I mind go to coinbase and they are saying that they don't know where my native coins are cryptocurrencies So can you please release my things archetypes of the bottom of this My main goal is to help the world evolve in every way fit for the human to survive so by all means whatever money 's that I have give me half and you take half and let 's call it a day I am tired of not having anything any money my kids are getting older and I can not provide I'm on general assistance and have been most of all my life but yet in steel I have billions and billions of dollars so I haven't never seen So what that being said Can you please fix it Thank you America we stand as one