23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have sent dispute letters to all three bureaus. My XXXX and Experian report is not reporting accurate information like XXXX. It is showing a collection XXXX not removed/deleted from XXXX and Experian but is showing removed from XXXX. It is also showing different statuses. Experian states " collection account. {$350.00} past due as of XX/XX/2024. '' with 3 late payment derogatory marks and XXXX is showing " unpaid '' with no late payment history. XXXX has removed this account. I have documents and proof attached showing what I have stated is accurate. 

15 U.S. Code 1681e ( b ) states " 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. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This not a duplicate this a letter Demanding the CRA XXXX, Equifax and XXXX  that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation XXXX, Equifax, XXXX  you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX XXXX  stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX XXXX  state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going to court.
Product: Money transfer, virtual currency, or money service

Online scam via XXXX. Transferred {$2000.00} from my Wells Fargo checking into XXXX XXXX to fund a XXXX XXXX. XX/XX/24 transferred the money. 
Straight after that I relised it was scam so called Wells Fargo to close account.. 
They said funds shouldnt come out but 3 days later they did even after account number change. 
I have tried multiple times to contact XXXX but they dont respond. 
Wells Fargo say they can not refund money as I authorised the payment despite trying to report scam and stop the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an account holder with Self Financial and had a secured credit card with a {$600.00} limit. I made on time payments each month. I decided to pay the card off with its remaining amount of {$500.00} on XX/XX/2022 and I closed the account on that same day. My credit report is still showing that the account is open and active. I disputed this using XXXX XXXX but was told that the company disagreed with my dispute. I have then re-disputed this using the XXXX website and have provided them supporting documents as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Experian has continued to falsely publish two accounts from XXXX ( XXXX XXXX XXXX ). I have reported these accounts are not mine nor do I now or have I ever had any agreement of any kind for any amount with XXXX. XXXX/Experian has claimed the information is correct from an unverifiable data furnisher. Regardless what a data furnisher states, it should be given less weight than the alleged account holders statements. I have also proven XXXX has never sent me any proof of these alleged accounts. I can not attach any documents of proof as Ive never had any accounts with XXXX nor has XXXX sent me any detailed proof of these alleged accounts even though I have requested this detailed information many many times.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify thatiter of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Transworld Sys Inc/XXXX at address XXXX XXXX XXXX XXXX XXXX, PA XXXX is reporting an account on my XXXX credit report in the amount of {$280.00}. I don't know this company. This company does not have a contract with my signature.
Product: Student loan

In XX/XX/2018 I contacted Navient to extend the income-based repayment option ( IBR ) on key federal XXXX loans, which at the time totalled roughly {$85000.00} with about 5 % interest. On the phone, the representative repeatedly dodged my request to do this, highlighting the options of the consolidation plan which had a $ XXXX  monthly payment opposed to {$150.00} for the IBR. The rep highlighted NONE of the effects of the plan other than the monthly payment, and due to distractions at the time and the reps persistence I agreed to the consolidation. When I realized they had added almost {$30000.00} in capitalization costs and fees and my balance was now nearly {$120000.00} at the same interest, I called ( XX/XX/2018 ) to see if they could work with me in some way to reverse/reduce the amount. They refused. I called again a few days later and requested the same, and also highlighted my concerns about pressured and potentially unscrupulous lending tactics, their response was to send me a copy of my promissory note! I called one more time ( Fall 2018 ) to ask again for help, reminding them I have XXXX kids and only make $ XXXX ( I've since become unemployed unfortunately ), and that the loan had placed devastatingly undue hardship upon my family. They never got back to me, and restated my balance of {$120000.00} and given interest rate. Please help!
Product: Debt collection

TOTAL DEBT : {$100.00} I owe to them for sending money using their services THEY CLAIMED I have been getting phone calls and emails from www.xoom.com attempting to collect the above debt. 
They have blocked me from my account and I have not been able to log in for the past 30 days. 

I have called and email them several times this week : XXXX to XXXX XX/XX/2021, only to be asked for information from my account only to tell me it is wrong, but fail to provide any other way to give me access to my account so I can pay off the above debt. The phone attendants from the PHONE CALL CENTER continue to act like they have no idea who I am and tell me my information is incorrect only to deny me access to my account or even pay OFF THE DEBT OF {$100.00}. Yet, I continue to receive emails threatening me to report me to a credit collection agency and stating that I should call this number immediately : XXXX. Every time I call the number, they run me through the same loop again, questions after questions and they claim none of my information is correct and therefore they can not even take my PAYMENT for the collection of this debt. I have talked and called 7 times today XXXX XX/XX/2021 and THEY give me the same threatening conversation. 

I, XXXX XXXX XXXX, have been a customer for over 10 years with this company and now they refused to help me and actually pay what they claim is a debt I owe them. I am willing to pay it but I am afraid they will report me to a credit collection agency on purpose to hurt my CREDIT HISTORY and illegally charge more money. my email address is : XXXX, my phone number is XXXX ... .I am a XXXX serving the United States XXXX XXXX and of course they my already know this and may be attempting to fraud me. I can not believe this is the way they treat loyal dedicated customers like me after 10 years of membership. I believe other XXXX like myself may be undergoing same similar situation as every time I call their service phone center, the ladies there even laugh at me since they knew they were just not GOING TO HELP. 
I have been harassed, laughed at, lied to and given the wrong information since they keep on denying me access to my own account I held for 10 years.
Product: Credit card or prepaid card

On XX/XX/2017, fraudulent charges were made using my card that was either lost or stolen, and paid by PNC Bank without being questioned. The fraudulent charges totaled {$790.00}. 

I reported the lost or stolen to PNC in a timely manner. PNC Bank refused to return the money. 

I have a attached a detail letter, with documentation.
Product: Credit card

Was informed by Synchrony Bank that they changed terms and would start charging a {$1.00} monthly fee to mail a paper statement. I have had this card for over 45 years as of now. this is ridiculous and is a perfect example of a JUNK FEE!! I contacted the company several times and was told that it was just too bad, and I could cancel my. account if I wanted to
Product: Money transfer, virtual currency, or money service

On my XXXX, I discovered that I had become a victim of financial crime. One of the companies I was working for as a part-time employee had been hacked, resulting in the compromise of several of my cryptocurrency wallets, including Robinhood, XXXXXXXX XXXX XXXX. I immediately filed a police report, and upon the investigator 's advice, I also filed an FBI report. They recommended that I contact each crypto wallet provider and explain the situation. 

XXXX responded in a professional and helpful manner. They listened to my situation, requested relevant documents, and after conducting a thorough investigation, they acknowledged that my account had indeed been hacked. They decided to issue a refund for the unauthorized transaction amounting to {$7400.00}. 

A similar process occurred with XXXX. I submitted the required documents, and after four days, they confirmed the accuracy of my documents and recognized that my account had been compromised. Unfortunately, due to my residency in the USA, they were unable to reimburse my account. 

However, my experience with Robinhood was disappointing and shocking. After reaching out to inform them about the unauthorized transaction for a total of XXXX XXXX I received an email stating that there was no issue with my account and no transaction had taken place. They did not request any supporting documents or inquire about the disputed transaction. I called them to reopen the case, but the customer service representative I spoke with was extremely rude and refused to reconsider their decision. They also declined to accept any information I offered, including the police report and FBI report containing details of the incident. When I called them for a third time, another representative was equally rude and abruptly ended the call while I was speaking.

Throughout my interaction with Robinhood, I felt attacked and harassed by their investigation team. I requested a copy of the investigation and urged them to clarify why they determined that there was no issue with my account, despite evidence suggesting otherwise. However, they not only refused to provide me with the requested information but also hung up the phone, showing no interest in resolving my issue. 

I am seeking assistance in re-examining Robinhood 's investigation team 's conduct. The service I received from them displayed 100 % racism as they refused to listen to my side of the story or consider any information I could provide to support my claim of unauthorized transactions on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Chase CC acct with XXXX XXXX - Acct was reported as " late '' in XX/XX/XXXX - while acct was on a special repayment program, which would have been cancelled and full balance would have come due if i HAD been late - For whatever internal reason it was reported as such ; and was subsequently told by supervisor it would be corrected. 
They actually reported a separate payment in XX/XX/XXXX as 90 days and it was 60. Thus starting my ordeal and discovering the XXXX mistake as well, Thank you, Happy Holidays.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After examining my credit report, I noticed multiple errors, particularly late payments that don't reflect my consistent payment history.
Product: Money transfer, virtual currency, or money service

My phone was stolen or broken into and zelle themselves money. I tried to tell chase bank it wasnt me and they said theres nothing they can do to help me basically its my lost
Product: Credit reporting, credit repair services, or other personal consumer reports

- SYNCB - has an hard inquiry still on my credit, from XX/XX/2019 which I never had an account with this company. 
- XXXX XXXX - has two hard inquiries on my credit, from XX/XX/XXXX, & XX/XX/2019 and I've never had an account with this company.
Product: Debt collection

In the past I had an account with Progressive insurance. While with them I was on an auto-pay and never missed a payment. However, something happened in their system and auto-pay was cancelled without my knowledge. 

I received a notice stating that my insurance coverage had been cancelled and that prompted me to get a new policy. I did not receive any communication from Progressive about why it was cancelled or that I had a balance, and I did not realize that they had sent me to collections with Caine & Weiner. 

Since this collection was of no fault of my own, I am requesting that Caine & Weiner immediately remove it from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. 

XXXX - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX  - Balance {$2600.00} XXXX XXXX - Balance {$1700.00} XXXX XXXX  - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I CONTACTED XXXX AND TRANSUNION IN REGARDS TO INQUIRIES THAT WAS ON MY CREDIT REPORT. ON XX/XX/21 I SUBMITTED MY POLICE REPORT AND ON XX/XX/21 I SUBMITTED MY FTC REPORT. THE FTC REPORT ONLY ALLOWS YOU TO PUT 3 INQUIRIES IN THE APPROPRIATE SECTION ON THE FTC REPORT, ANY MORE WOULD HAVE TO BE ADDED IN THE PERSONAL STATEMENT SECTIONS. I'VE CALLED THE FTC AND VERIFIED THAT THEIR HAVE BEEN CHANGES MADE AND YOU CAN'T ADD 50 INQUIRES TO ONE FTC REPORT. THE SUPERVISORS WAS VERY RUDE AND ARGUED ME UP AND DOWN THAT I WAS BASICALLY LYING. I NEED THESE THINGS OFF MY CREDIT REPORT I'VE BEEN GOING BACK AND FORTH WITH THEM FOR OVER A MONTH NOW AND I'M VERY FUSTRATED AT THIS POINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my XXXX XXXX : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

I have been a customer of JPMorgan for over 15 years as I have leased or bought vehicles thru this company. This was not my choice but what was offered by dealer at the time. The vehicle was returned on time and in great condition. The gentleman from the dealer picked the vehicle up at my work and drove over an hour and a half to the dealership. Next thing I know months later, Im starting to get phone calls that my lease is overdue. I had no idea why they were sending me this. I called many times and requested proof, a bill something to reference this {$350.00} charge. My credit score decreased severely because of this situation and I still had no bill or no idea what they were referring to. Finally, in XXXX, I received a picture of a tire with what looks to be a XXXX in it. I have no idea where when how the XXXX couldve got in there and theyre trying to pin it on me and ruin my credit, a good 15 year long customer they continue to harass my office my cell phone various times a day and night for {$350.00}. There is absolutely no way to know where the XXXX came from and when and theyre trying to pin it on me. The way JP Morgan and their employees harassed me is unacceptable. There is no proof this happened in my ownership.
Product: Credit card or prepaid card

After being unable to add my banking information, I reached out and was told that there was a block on my account. He told me that he removed it and that I would be able to add my banking information. I still was unable to add my banking information so I had to reach out again wasting more time. I finally got through to XXXX who has no idea why I'm having to go through this entire process a second time. There's no accountability at PayPal. I was told that I needed to be transferred to TWO more departments to close my account. I am tired of having my time wasted.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXXXXXX XXXX XXXXXXXX LVNVFUNDG XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding inaccuracies in the personal information and previous addresses listed in my credit reports from TransUnion, XXXX, and XXXX. Despite my efforts to address these issues directly with the credit bureaus, the discrepancies persist, and I am seeking your assistance to resolve them.

Details of the Issue Name Variations : My credit reports include multiple incorrect variations of my name, such as : " XXXX XXXX XXXX '' " XXXX XXXX XXXX '' " XXXX XXXX XXXX  '' My correct legal name is " XXXX XXXX XXXX ''. The incorrect entries must be removed to prevent potential confusion or misuse of my personal information.

Address Discrepancies : The reports also list multiple variations of my address, including : XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX The correct and current address is XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. I request that outdated and incorrect addresses be removed to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account is reporting 120 days late and loan modified. That is incorrect. THis loan was paid in full never late, and transferred to lender current.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX payments were not paid to company. Product had broke and I called company and was instructed to not pay until returned phone call. Was never told it would begin being put on my credit as missed payments and not ever called back. Has correct income but was instructed incorrectly by a member. Also, they have been reporting differently to different credit bureaus.
Product: Checking or savings account

Citibank accelerate savings is using a service called Know Your Customer which restricted my account. After spending over an hour on the phone, the account is still blocked. I am trying to close my account