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

In late XXXX, a surprise adverse account was furnished to the credit bureaus XXXX XXXX Equifax, and XXXX XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and Equifax says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Credit card or prepaid card

I inadvertently must have used an Apple Card when buying a new XXXX a the Apple store back in XXXX of this year. I thought I used my click to pay feature on my phone using my XXXX XXXX ( which is paid off monthly ), but the phone for some reason chose and Apple Card from my digital wallet. 

I find out in XXXX that the Apple Card was used and of course I never paid it off b/c I didn't know the charge happened on an Apple Card. My XXXX XXXX every month is $ XXXX $ XXXX, again paid off monthly so I wouldn't have noticed a {$1500.00} phone. I called Goldman Sachs onceI saw on my XXXX report that I had a 30 day late notice. I paid the phone off and asked to close the account. My credit score has always been above a XXXX XXXX, with that mishap I went down to a low XXXX XXXX. 

I just today XX/XX/23 looked at my credit and I now have a 30 and 60 day past due on the same card. I called customer service and they said it was continued interest. I get 100 's of Emails a day and have never been on the lookout for a bill from Apple Card. All my bills get paid in full monthly on auto draft. I am now down to a XXXX XXXX score and Goldman says they will not do any goodwill reporting to fix my credit. I have had ZERO late payments in 15 year... not I have 3 from this company. 

I have now put a autopay on the Apple Card so any other rolling interest is handled, but I just want the 3 bad reports to be reversed and for my credit to go back to a XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating the XXXX Privacy Act, which prohibits the federal government from disclosing and misusing sensitive personal and financial information. The XXXX Department violated confidentiality provisions of the Internal Revenue Code by giving XXXX XXXX XXXX access to records that contain tax information. The department collects personal information to administer federal financial aid programs, including dates of birth, contact information, Social Security numbers and, in some instances, bank account information. XXXX has gained access to XXXX Department databases that contain such information -- the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The agencies are improperly disclosing the records of millions of Americans to XXXX staff in violation of the Privacy Act. The Privacy Act of XXXX, as amended, XXXX U.S.C. XXXX, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX illegally retaliated by closing my account the day after I submitted my fist ever complaint about them. Leaving me with an incorrect credit balance to be reported next month.Please see attached proof. They are still in the middle of two investigations which will bring my account down from XXXXXXXX XXXX  to less than XXXX. In efforts to avoid giving me back my money THAT EVEN THE COMPANIES AGREED IS DUE TO ME ( see my last compliant XXXX with the CFPb and the documents below ) they instead quickly closed my card during a random " credit check '' that's not even updated and the reason being " I have to many cards '' and " My balance is too high '' though I have XXXX  negitives when this is my only credit card without a XXXX due to the dispute if they would had took the time to ASK and know Equifax is on an internal hold DUE TO FRAUD intil i turn in my ID and social and XXXX  they dont update anythingor let accounts open the dates on that report are OLD. Please see attached balances on my other accounts attached. This us 100 % fear based illegal practices. Either you guys CALL or email me and tell me why my last dispute or information below wasn't enough to close the disputes in my favor AND explain to me even if you are closing my account why the Fraud portion isn't even subtracted AND advise me on how I pay my balance off and have used this card for YEARS now the first time tou need to help me I have a random credit check. I'll get a lawyer if needed that's 0 issue. 

Cards showing balances XXXX XXXX XXXX XXXX as oXXXX XXXX XXXX XXXX XXXX as of XXXX XXXX XXXX XXXX they actually owe me for over payment as of XXXX XXXX XXXX XXXX both XXXX XXXX XXXX!
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent {$70.00} to someone. When they realized PayPal said they would receive the funds a week later, on XX/XX/year>, they told me to cancel it, and opted for an immediate form of payment, which turned out to be XXXX. I then went to the transaction, but its status was " completed '. There was no option to confirm or cancel the payment of {$70.00}. I then personally called and contacted PayPal but the phone machine said they are unable to refund, and the phone machine then told me to speak to the seller. Since I have already spoken to the seller, I went to the transaction and filed a complaint on the 'resolve a problem '' link. I filed a complain there but there was no confirmation that they received the complaint the estimated time they would get back to me was blank. Other than that the platform, PayPal, has not done anything to inform or entertain my filed report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with balance of {$2300.00} an auto loan an auto loan opened with XXXX open date XX/XX/XXXX account XXXX balance XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

In XXXX, a transfer was made from my Venmo account to XXXX of my contacts. Subsequently, these contacts reached out to me, claiming that I had requested a refund and that Venmo had debited a total of {$2700.00} from their accounts. When I was informed of this, I contacted Venmo and started trying to resolve the problem, as I did not request a refund. Venmo informed me that I should contact the card-issuing bank for more information. However, the card used for the transaction, as indicated by Venmo, is unknown to me. I do not recognize the card and can not contact the bank because the card is not mine. I need to resolve this issue because I am being charged {$2700.00} that I do not owe. 

The individuals who are being harmed are contacting Venmo to try to restore the funds to their accounts, and Venmo claims that they need to contact me because I requested a refund from the bank for the amounts transferred to them. However, since I did not request any refund and do not have the card mentioned by Venmo, there is no way for me to resolve the issue. 

I do not recognize the card mentioned by Venmo ; I do not use third-party cards and do not recognize these transactions. The fact is that transactions were made involving my contacts, and they are being harmed because Venmo claims that I requested a refund from my bank to my card for the transfer amounts. However, I once again affirm that I have no knowledge of this, do not share cards on my account, do not know the card mentioned by Venmo, and therefore did not request a refund. 

This has caused significant harm to the individuals whose accounts Venmo debited. I request the immediate reversal of the debited amounts in the accounts in question.
Product: Credit reporting or other personal consumer reports

target td Usa/target credit XX/XX/XXXX XXXX XXXX$40.00} payment reported and mark as missed payment, my bank account and social was breeched. I called the credit specialist number and they noted account up to date. Being that the account was reported as a late payment it affects my credit and credibility to purchase a home. it also take so many years to remove from account. My account balance is XXXX In accordance with the fair credit reporting act this creditor violated my rights my rights under 15-USC 1681 sec 602 states I have the rights to my privacy.

15-USC 1681 sec 604-A sec 2 it also states consumer reporting agency Can Not furnish an account without my written instruction 15-USC 1666B A creditor may not treat a payment on credit card account under and open and consumer credit plan as late for any purpose. 

Thank you, for taking the time to review.
Product: Mortgage

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refused to update my address
Product: Credit card or prepaid card

I am locked out of account and I call several times a day stay on hold for hrs get disconnected. When someone does answer they can't help me. I have a replacement card that isn't working and I need to get in my account. Start ed calling 2 weeks from today and no results
Product: Payday loan, title loan, or personal loan

Refinanced a current loan with the same company.. republic finance of XXXX la ... so basically when is all said and done im paying 68 % on one loan and i was not compensated the insurance back into that first loan ... and the total payment due after 24 months was also added to the second contract!!!
Product: Bank account or service

Hi I found a few fraudulent transactions in my wells fargo account that I do n't frequently use up to a little more than XXXX months old. I was able to resolve with the merchant myself on most of them except one of {$480.00}. Over the entire process, Wells Fargo was unfriendly and not helpful. This {$480.00} transaction happened between the bank and a fraudulent XXXX account which XXXX was not able to identify in the first ACH return request attempt that Wells Fargo made. After a another round of phone calls ( I do n't even remember how many rounds I have had ), XXXX was finally able to because the fraudulent account has everything correct except a non-existing email address. Even this email has my full name correctly spelled. And now this is identified, XXXX needs another " ACH pull back '' from the bank, which Wells Fargo refused to make. Their representatives ( many ) on the phone refused to help me further by saying they never made XXXX attempt, tried to get away by blaming me for not knowing how to prevent identity theft, not reading monthly statement in time, and also refused to direct me to higher level. Please kindly help me on this!
Product: Checking or savings account

This is an issue with a disputed transactions. The first one was for XXXX that was filed this year. I sent in all the necessary documents to prove that the merchandise is not in my possession and the merchant promised a refund and never did so. Chime refuses to credit the checking account despite documentation of evidence provided by me. Claim # XXXX, For my credit builder acct, there was an unauthorized charge on the account and chime automatically denied my claim without providing any proof that they had even contacted the merchant. The unauthorized amount charged was XXXX Claim # XXXX After this denied dispute I wanted to cancel all accounts with this online bank. The company refuses to cancel the account and according to my app, I owe a balance of XXXX.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in removing some of the incorrect credit information from my file, which resulted from an erroneous credit report entry. However, there are still remaining items that need to be addressed. This is my new complaint regarding erroneous credit information, and I am presenting this to dispute specific items in my file XXXX from the issue. The items I am disputing are unrelated to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Please remove any items in my credit file that resulted from incorrect reporting : XXXX : XXXX XXXX XXXX ; XXXX XXXX ; UNABLE TO FORWARD MAIL XXXX, AZ XXXX ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXXXX/XX/year> -- -- -- -- -- -- -- TransUnion : XXXX XXXX XXXX ; XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXX FIN XXXX Balance Owed : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$360.00} XXXX XX/XX/year> XXXX These items are unfamiliar to me. Additionally, some information has been deleted by other bureaus, casting doubt on its accuracy. The reported payment history on these accounts is also a mystery to me. As stipulated by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to decline or rescind this information.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan from Mobiloans last year in XX/XX/year>. My payments started at around {$170.00}. The total loan amount was {$2400.00}. I have paid them on time every payment for over a year now. The total amount I have paid them is around {$4000.00}. I still have a balance of {$1400.00}! I'm not sure what the maximum allowed interest rate is for these types of personal loans, but this is robbery! 
Only a small part of my payment goes towards the borrowed amount. At last check, a payment of {$170.00} only paid about {$35.00} towards the principle. I thought this type of activity wasn't lawful. I know they claim to be a tribally owned lender, but they are making loans to the general public.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove  these unknown items from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against cash app due to inadequate customer service and unfair practices. Cashapp failed to take timely and effective measures to address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Debt collection

I had a car loan for several years and the interest they charged had me owing almost the same amount getting no where paying {$400.00} a month several years. I was in an XXXX marriage and he forced me to give the car back so I did. I returned the car about 6 years ago. They called harassing me for one year and then decided to take me to court. I was unable to get to court and lost. They tried to garnish my wages and I showed the judge I was very poor so he denied them that.

My problem is on my credit report they show it just happened 2 years ago. I have been trying to fix my credit after losing everything but I can't even buy a car because it looks like it recently happened.

I have court papers from when they finally took me to court saying that was XX/XX/2014 but I don't have anything to prove its been 6 years. Either way they are out to hurt me anyway by reporting it the way they do. I called once and the person laughed and said next time you will think twice before not paying your debt. 
I never would have not paid had I been able to pay the loan however I never got anywhere after 3 years. 
Is there anything I can do or a way to at least have them report it correctly? If not I am not sure how I can ever fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get fraud alerts removed off my Transunion account for over a month. I cant do It online, they cant do it over the phone, i mailed in documents XXXX and they still cant solve my issue
Product: Debt collection

This company is sending text messages that. I never consent This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX XXXX XXXX XXXX. We look forward to assisting you. Please call us @ XXXX or to self-service, please visit sms.ccspayment.com. Reference File # XXXX. To opt out, reply STOP.
Product: Bank account or service

Summary : I did not receive the bonus points that came with a promotional offer Citi was offering even after they have confirmed it via live chat and secured message. 

Events : Opened a Citigold Checking account during XXXX 2016. There was a promotion of getting XXXX XXXX XXXX Aadvantage miles for opening said account and completing certain requirements. The requirements were : 1. Use the bill pay function in two consecutive months 2. Make {$1000.00} in debit card purchases with the Citi debit card. 

Confirmed with Citi representatives via Live Chat and Secured Message on XXXX/XXXX/16 that I have completed all the requirements and was eligible for the bonus points during XX/XX/XXXX and had to wait 90 days ( starting from the following month ) for the points to be posted onto my XXXX XXXX account. I should have received the bonus points by XXXX/XXXX/16. 

There is a $ 30 monthly fee for keeping the account open. I kept the account open solely for waiting for my XXXX XXXX miles to post but they did not show up long after the 90 day mark. Contacted Citi soon after to ask when I will get the points and they said that I was not eligible for the bonus points. They did not even send me a notice saying when or how I was disqualified while I just kept waiting and paying the $ XXXX monthly fees for a total of {$90.00} to date. 

This is very misleading of Citi to first confirm then to disqualify after having paid monthly fees to keep my account open.
Product: Debt collection

This company is calling every member of my family 's telephone numbers and leaving messages. I have never dealt with this company and want them to stop calling my family members '
Product: Mortgage

After closing on XX/XX/2020 mortgage was recently transferred from XXXX XXXX XXXX XXXX ( Loan Number XXXX ) to M & T Bank ( Loan Number XXXX ). M & T Bank is claiming they did not receive insurance information from XXXX XXXX XXXX  XXXX and has placed my mortgage in an over priced ( lender placed insurance ). I have insurance and I have provided this information to M & T Bank. M & T Bank is claiming that they will update the insurance in 90 days and not right away. M & T Bank are XXXX scumbags ...
Product: Credit reporting or other personal consumer reports

I Have Found Some Information Inaccurate On My Credit Report Which Shows Account For XXXX  And XX/XX/ Was Not Paid. I Don't Believe This Account Was Ever Paid As Late. I Request You Verify The Information And Remove Inaccurate Information From My Credit Report As Quick As Possible. Iv'e Never Missed A Payment I Have XXXX On Time Payments The Items In Question Is XXXX XXXX XXXX XXXX  After Doing So Please Provide Me With Updating Credit Report Thanks For Your Time
Product: Debt collection

Removed account and added back to consumer report with our written notice. Account is not my responsibility see below
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my consumer credit report from your bureau and I am disputing the completeness and accuracy of the following information. This information is adversely affecting my consumer report, and I request that you promptly correct it. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX USAXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

I trust that XXXX  days is a reasonable timeframe for your investigation. Following your investigation, please furnish me with an updated credit report along with the names, addresses, and telephone numbers of the individuals who have been contacted.