23daVinci/CFPB_Complaints huggingface dataset:
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verisk/Financial / LCI is XXXXncorrectly reporting an erroneous chapter XXXX bankruptcy on my credit report to XXXX XXXX and XXXX ( XXXX XXXX XXXXs ). Verisk/Financial /LCI maintains the United States Bankruptcy Court of Middle Tennessee has reported and verified information to them on this alleged bankruptcy, however, Ive contacted the court and they confirmed they DO NOT report any info regarding case filings to any credit reporting agency or third-party data furnisher. XXXX XXXX, XXXX XXXX XXXX have ALL deleted the erroneous chapter XXXX bankruptcy from my credit file due to the discovery of my identity being compromised last year, while Verisk/Financial / LCI has refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

old account past the stature of limitations is been put on my account and continue to be updated by XXXX and Equifax with current date. Accounts that do not belong to me due to identity theft.
Product: Debt collection

I have submitted a complaint about Century Credit and Collections before and They wrote a poorly worded response back and now CFPB won't let me answer the response. I will take this opportunity to respond to the lies Century Credit and Collections wrote about me. 
I will not repeat why I made a complaint but basically, they added charges that were unfair and when asked to remove those charges I was threatened with being reported to the Credit bureau. A representative from this company responded to my complaint by saying that when I called them to ask the charges be dropped I said derogatory things. This is LIE. What did I say? I would like the representative from Century Credit and Collections to please answer what I said Because I was very respectful and wanted to resolve the problem as soon as possible. This company will lie and bully you and there is no one to help. I will continue to spread the word and complain to anyone who will hear me until this bullying is stopped. The Company did in fact report me to the credit bureau to hurt me even after I paid for the debt in question.
Product: Credit card or prepaid card

Hello, I have an Old Navy XXXX card that was converted to a different lender ( XXXXXXXX XXXX to Barclays ). I never received a new credit card or any information about making a payment or setting up an online portal via email, which was my preferred communication method, or via phone. 

I began receiving emails about needing to make a payment to Barclay, but wasnt able to open a web portal because I never received a card to verify the account on their website. A few months ago, my husband called a Barclay help number and set up recurring payments to have us back in good standing. 

Recently I have received calls saying I havent made payments. The company never processed the payment my husband set up and never sent me a new card. I called again today to try to find out what happened and the company has closed my account. I now am not able to make payments or check my balance or request a new card, as I still dont have web portal access. I am very worried that this will negatively impact my credit score, even though we have tried many times to resolve the issue on our own. Please help!
Product: Checking or savings account

This issue is for believed fraudulent activity committed by Coinbase. There is a double charge on my checking account from Coinbase. On XX/XX/XXXX I bought {$500.00} dollars worth of Ethereum ( ETH, a cryptocurrency ) from Coinbase from my XXXX  Debit Card, linked to my Checking account, and the transaction went through no problem. I received my Ethereum. Today, XX/XX/XXXX an  UNAUTHORIZED {$500.00} was withdrawn from my Checking account by Coinbase. I did not buy any product from them. This withdrawal on XX/XX/XXXX was not authorized by me, and is NOT listed in my transaction history on Coinbase. I did not receive any product from Coinbase. I submitted a support ticket with Coinbase detailing this fraudulent activity. The support ticket is # XXXX, submitted around XXXX EST on XX/XX/XXXX. They have not responded to my support ticket or deposited the {$500.00} that they withdrew back to my checking account. Attached is my statement balance from my Checking account. I bank with XXXX XXXX  XXXX XXXX XXXX XXXX. I removed my Account Number from my attachment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, and Equifax are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.
Product: Payday loan, title loan, personal loan, or advance loan

Unauthorized inquiries on on my report notice someone applied something in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each month Mariner Finance does a hard pull on my credit. I have given them no authorization to do this and each month they continue to do a hard pull lowering my score.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Mainly, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account volnurable and unprotected.

Further more, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused inconvenience and Financial loss and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion via mail to inform them that inquiries were on my credit report that I didn't authorize. They sent me a letter stating that inquiries are factual and will remain on my report for 2 years. I disagree and I would like the following unknown inquiries to be removed from my report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has collection accounts listed as installment loans on my credit report. Experian has also placed some type of alert on my report without my permission. I'm also unable to order a copy of my report. I am being turned down for credit because of this and am unable to reach anyone at experian. I've tried email, phone and chat for over seven months. I can not even verify any of my information and it appears accounts are re-aging.
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute regarding the inaccurate late payment information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], you are required to investigate and respond to disputes within 30 days of receipt. However, I have not received a response within the legally mandated timeframe. And I think this migth have to do something with the recently lawsuits against XXXX and XXXX and them failing to accurately process and inestigates consumer disputes. The following late payments are : XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX  : XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXX.Confirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have no knowledge of this account. This account does not belong to me. I have never had an account with Midland and it also shows it is collecting on behalf of XXXX XXXX. Neither do I owe XXXX  XXXX any debt.
Product: Debt collection

On XX/XX/20 I started receiving a statement from PayPal credit saying I had transferred a balance onto this credit card. I called and explained that this was not me. Then on XX/XX/20 I receive a statement from them again with another account number and another balance transfer. Once again, I called and told them I have not used their credit card. They opened yet another card under my name falsely on XX/XX/20. I have contacted the credit bureau. It has been removed from my credit but I continue to get statements and phone calls from synchrony daily saying I am going to collection. 

Can you please help me find a way to stop this fraud. 

Thank you. 

XXXX
Product: Student loan

I signed up for auto payment on my Sallie Mae account, to take advantage of the reduced interest. Because Sallie Mae does not allow me to set up my own auto payment amount, the {$25.00} dollar payment is not enough to cover the interest. So I have tried to ways to make additional payments to pay down the principal. One way is through the Sallie Mae site, but my payment was used for interest. When I called Sallie Mae, they said that it was because I paid before the due date that I should use my banks Bill pay. I have now used my bank bill pay, and my payment was still used for interest. I called again and Sallie Mae stated that it is because it was a day after my due date. I have auto payment so I do n't understand how my additional payment would be used for future interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/16, I contacted a financial services company to request a personal loan. We processed the application and I was issued a disbursement check for {$3.00}, XXXX ; after which I deposited into my checking account. I recontacted the company within two business dates ( XXXX ), stating my intentions to cancel the loan and return the proceeds, citing a high percentage rate and my general feeling the repayment length was too excessice. I spoke with the Branch manager who assured me I could cancel the loan as long as I returned the entire amount initially advanced. Upon my arrival at the office, I delivered a cashiers ' check in the above mentioned figure and I was given a receipt. Upon closer examination of the receipt. I noted the Manager had posted the check towards the principle of the loan, rather than voiding the entire contract. I was informed since I no longer had the original check, my receipt was sufficient. I further add since I had a active account balance of {$1800.00}, prior to this new loan, the application paid off the existing loan and I was set up to make payments for four years, all totaling to over {$9000.00} plus. Since I returned the cashier 's ' check, the balance owing was now {$6000.00} plus. Once I voiced my dissatisfaction with their accounting tactics, I was reassured this figure would fall off with coming days. On XXXX, I opened mail at my home from this lender, and was horrified to see I was still listed as having a debt of {$6000.00} ; which I had specifically asked to cancel. I believed I was within my rights to negate the loan, since five business had not elapsed once I returned the cashiers ' check. Immediately I contacted the office and was told repeatedly, the manager would contact me via phone, which never materialized. After the XXXX holiday, I contacted the office and was reassured the loan app would be nullified, yet this has n't happened. Each time I try to impose my right for cancellation, I am told the {$6000.00} sum is being maintained for paper control, and I am only liable for the {$1800.00}. plus which remained on a prior balance. I contacted the headquarters of this company and verbalized my frustration and wrath in being forced to take a loan which I had clearly voided. Supposedly, the headquarters will investigate this matter within seven to fourteen days. Additionally, my duplicate set of the loan application was confiscated by the manager, so I do n't have actual documentation to contest their procedures.
Product: Checking or savings account

On XX/XX/2019, I deposited two unit of local government checks at a local BB & T Branch located at XXXX XXXX XXXX, XXXX XXXX, Kentucky XXXX. One of the checks was for {$5200.00} and the other check was for {$15000.00}. I deposited the checks at the teller at the branch. The teller decided to put extended holds on the checks even though they are two unit of local government checks. Under the expedited funds availability act, the funds are to be available the next business day, subject to certain exceptions which don't apply under the circumstances. Per BB & T Bank {$100.00} will be available on XX/XX/2019, {$100.00} on XX/XX/2019 and {$4800.00} on XX/XX/2019, and {$15000.00} on XXXX XXXX. These holds are illegal under the Expedited Funds Availability Act. I asked the teller when I was doing the deposit why they were doing the extended holds even though they were government checks, and the teller 's response was because I didn't have sufficient funds to cover the checks in my account currently. Not having enough funds in my account currently is not an exception to the Expedited Funds Availability Act, and is being used as a pre-text to extend the hold times for local government checks. BB & T is flagrantly violating the Expedited Funds Availability Act when I deposited two local government checks and the funds are supposed to be available within the next business day.
Product: Checking or savings account

On XX/XX/year>, an unauthorized payment of {$580.00} was made from my bank account to a XXXX XXXX credit card. This payment was mistakenly made by my mother, who does not have access to my banking information. The payment information had been saved in the XXXX XXXX system from previous payments I made, and the error occurred when she attempted to make a payment without verifying the details.

As a result of this unauthorized transaction, my account balance became negative by - {$260.00}. In addition, my {$300.00} payment to another credit card company ( XXXX  XXXX ) was rejected, and I was charged two NSF ( Non-Sufficient Funds ) fees of {$35.00} each, further compounding the financial impact.

On the same day, XX/XX/year>, I contacted my bank to dispute the unauthorized payment. They opened a case to investigate the matter. However, on XX/XX/year>, the case was closed, with the bank stating that the transaction was legitimate because I had not disputed previous payments. This reasoning was irrelevant to the issue, as the prior payments had no connection to this unauthorized transaction.

I escalated the dispute by speaking with a representative named XXXX on the same day, who was dismissive and unprofessional. She accused me of allowing my mother to obtain my banking information. I explained that the information was saved in XXXX XXXX  system, and my mother did not have direct access to my bank details. Despite my explanation, the representative refused to reconsider the bank 's decision.

I then escalated the issue to the banks executive office, providing detailed documentation, including a declaration, a notice of intent to sue, and a draft civil complaint. On XX/XX/year>, the executive office notified me that they would resolve the case by XX/XX/year>. However, on XX/XX/year>, the bank once again denied my claim with the same unfounded reasoning and closed the case.

The bank has consistently failed to address the core issuethe unauthorized {$580.00} paymentand has relied on irrelevant arguments to avoid resolving the matter. I am seeking a reversal of the unauthorized payment, a refund of the two {$35.00} NSF fees, and compensation for the rejected {$300.00} payment to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested that Experian verify accounts that was appearing on my credit report, ( see attached letter ). On XX/XX/2018 Experian responded to my request with a letter ( see attached letter ) directing me to contact the credit grantor, Experian in error is naming XXXX XXXX XXXX XXXX the grantor of this alleged account. 

On XX/XX/2018 I requested a method of verification ( see attached letter ) from Experian investigation and has not received any information from Experian alleged investigation, I have also submitted a second request written request to Experian in a good faith effort asking for the address and telephone number of the original creditor of this alleged account with XXXX XXXX XXXX XXXX without success. 

I have also in a good faith effort contacted XXXX XXXX XXXX XXXX ( see attached validation letter ) to get the contact information to the original creditor of this alleged account, XXXX XXXX XXXX XXXX  only sends a computer generated printout of charges and the creditor as XXXX XXXX XXXX XXXX XXXX XXXX ( see attached printout ) I have not done any business with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX and if XXXX XXXX XXXX XXXX  fail to validate this alleged account with verifiable documentation that this alleged account belongs to me it should not be on my credit report.
Product: Student loan

I have attempted to get late payment history that is incorrect removed from credit report. The late payments reported was during covid on student loans during time when loans were in deferment. Most recent late payment with XXXX was placed in forbearance then IDR and has not been reflected on credit report as such. XXXX has reported late payments but unable to furnish when I was late as these are in IDR plan as well. These have been damaging to my credit and made it hard for me to obtain new lines of credit.