23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested information from this company to be sent to me and they have failed to do so. 
They have sent false information the the credit bureaus that damaged my credit. They have fabricated addresses and added them to my credit report which are not mine and the credit bureau refuses to remove them. This company has lied and stated on my credit report that this account is open as of XXXXXXXX  and has a balance of {$960.00}. Per the laws of the FCRA, this is illegal. I called XXXX and their company has been sold and they are not in business anymore. therefore, I do not owe the company SOURCE RECEIVABLES MANAGEMENT and have asked them to validate this debt in writing to me. They have failed to do so. I HAVE ASKED THEM TO PROVE TO ME THAT I OWE THE A DEBT!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently came into my credit report at all three bureaus. This states from 2015. I have reported this SEVWRAL times as it is completely inaccurate. 

I am looking for TRUE validation yet o Provides with nothing. It simply says no changes. This account was placed on my account 5 years later and they have not validated this debt with more than an address, etc. 

2. This account is listed as in collections it is still Reporting late monthly payment. As of now this account has 36 monthly payments but the account went into collections 36 months ago.

3. The current payment account status is 120 Days Late but the account is Listed as closed.

4. I NEVER EVER received notice of this debt. It simply popped up in my Credit Report. I specifically asked multiple times for this information and never received.

5. Its ahowing as Voluntary Repossession and I NEVER EVER EVER EVER DID THIS and I requested prood of this and never rcvd. 

These companies should not be free to Put inaacurayw information on your credit Report with basically no power to remove. They keep saying it is verified and that is impossible. Because its completely inaccurate.
Product: Credit reporting or other personal consumer reports

On the XX/XX/year>. I tried to apply for a CITI credit card with Best Buy because I recently purchased a home and needed to get necessities like home cameras, appliances, etc. As a backstory, I also XXXX XXXX for Best Buy and XXXX XXXX XXXX XXXX XXXX XXXX So I understand how this process works. I was told directly by a HUMAN that I was denied because my address shows my old address still. It wouldve been nice to have more direction other than that I just needed to contact the XXXX  credit Bureau that provided the report, XXXX. I asked If its because of my address, can I provide a legal document that shows that my address is updated? should I go to a store and verify my identity there?? because the issue was not the reason of credit it was the issue of not being able to verify my identity, and I have literally tried every single way to do so. I called XXXX using the number provided by the agent and the new representative DID confirm that my old AND new address were both currently showing on the report. There were many calls that led to this one, as citi bank is impossible to get in contact with. So I was done at this point. I said ok, since no one wants to take responsibility, I want to dispute the inquiry and have it moved off my report. I was refused because I did give permission, BUT as there was INACCURATE information provided AND no path to resolution was given by either entity. Honestly I gave up until I received a call from CitiBank asking me to call back to verify my identity. I tried to call back and the real horrors began. As stated before, my job is to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So thats all I was calling to do. When calling the number in the voicemail and in digital letters provided to me, I get NOTHING but a robot, even though I have spoke to a person on this line days prior. Im sure you can understand my frustration to the point I called Citi Banks general line just to get to the right person and I STILL got no where. So I gave up and applied again with my old address and they still declined me and gave me the bogus reason ( that they couldnt approve me because I was recently declined, even though I was declined only for my address, so I fixed my address and they still wasted my time ) that I listed below. It has now been over two weeks and I have even tried to file a complaint with this company to get a manager to contact me and no one is helping me resolve this. INACCURATE will also not Remove the inquiry from my report, even though I provided this very detailed information to them as well. Something needs to be done asap, because not only have I been forced to live in a unsecure home for the first time, I have a meaningless inquiry on my report, one of the worst experiences that I have had with a company to help me with an issue that is literally their job, I missed out on multiple promotions that bestbuy had running during this lengthened and meaningless process. And no one to help. So now Im here, hoping you can actually get something done because for the past 2 weeks I have failed.
Product: Checking or savings account

I called USAA back in XXXX and disputed a transaction with my debit card. I paid twice for merchandise at XXXX. It was never initiated. I call back again in XXXX and have a couple more disputes by this time. I uploaded documents and show sufficient evidence. I am just told after calling USAA at least 30 times over worry, they see it is too late for the XXXX dispute. I also see they just closed them on XX/XX/2019 but continue in the Executive Resolution department to tell me to provide more information. I am also told that I have until the XXXX of XXXX. I speak with XXXX in the CEO offices over this and my closed checking accounts today. She tells me the XXXX was never disputed at all or I never called in XXXX. I told her of course you would deny because this is exactly why USAA has been in hot water. USAA has refused anything that I asked for in XXXX years. You deny any dispute over XXXX. They have held every single amount of deposits way too long making it impossible to do anything. It would not even state on the mobile app we are holding the full amount. I would make small deposits of 100.00. USAA would hold the full amount for ten days, and if holiday over this period. I have made deposits of a extra 600.00 in a check form. This too is held at their liberty. My complaint is this debit dispute is illegal and what their continuing to do is illegal. I asked for an appeal over 7 times yesterday telephonically. I received no accurate or appropriate response.
Product: Mortgage

My bank is Wells Fargo. On XX/XX/XXXX, I made a XX/XX/XXXX mortgage payment by bill pay of {$3000.00}. I did this without knowing that my wife set up automatic withdrawals for the mortgage payment. The payment posted and as a result the XX/XX/XXXX mortgage was paid. The following day, Wells Fargo withdrew XX/XX/XXXX payment of {$3800.00}, thus putting my checking account {$2800.00} in the red. After repeated calls and internal transfers, the Wells Fargo claimed it could not replace the funds or reverse the transactions because they ( people XXXX were not allowed to intervene. As of this writing, my account remains in arrears. I am told it could take another 4 days to resolve, but in the mean time, I am unable to access cash, and other automatic payments are being kicked back thus resulting in further fees and aggravation. Wells Fargo is the worst bank in the world!
Product: Debt or credit management

On XX/XX/XXXX, I signed up with Clear One Advantage, a debt consolidation company, after a friend recommended it. The representative suggested including debts with the highest balances. I agreed, thinking Clear One Advantage would negotiate with my creditors to settle for less than what I owed. 

From XX/XX/XXXXXXXX  to XX/XX/XXXX, I made two monthly payments of {$290.00} ( {$590.00} in total ). Despite this, I never received any communication from Clear One Advantage about updating the account numbers we initially agreed upon. I was also not informed about the possibility of a 1099-C filing, which could result in the creditor taxing me on the settlements. One of the 1099-C forms I received didn't match the account number in my agreement, and I never got an amendment to correct it. 

Now, as I review my creditor settlements, I can see various details like the balance at settlement, my enrolled balance, the settlement amount, Clear One Advantage 's fee, the total settlement cost with fees, and my overall savings. What wasn't disclosed to me was the potential tax implications, especially considering the high balances, which could lead to creditors taxing me through 1099-C filings. If I had known about these tax implications, I might not have chosen debt consolidation. 

I believe it's crucial for Clear One Advantage to clearly inform debtors that creditors can tax them through 1099-C filings, especially if they have high balances. 

In hindsight, I believe I was mislead and I could have considered better options, especially since none of my accounts were in default when I joined Clear One Advantage.
Product: Credit reporting

Experian continues to report a XXXX account and XXXX account that are not mine on my report. I have contacted them multiple times to verify these accounts and they have failed per FCRA, including my request for a method of validation. 
Yesterday, I filed a police report with the XXXX Sheriff Department ( Case # XXXX ). I am requesting that these items be removed. 

Additionally, the only inquiry I have requested is from XXXX. Inquiries from XXXX, XXXX and XXXX are fraudulent and included in my report. I granted no permissible purpose and dispute the bureaus answer of it being a factual record of file access. 
I am requesting that these 3 entries be removed.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX and XXXX have violated 15 USC 1681 by reporting inaccurate information.This inaccurate reporting has caused injury to me and emotional damage due to not being able to access my credit. They have also violated 15 USC 1681C ( a ) ( 5 ) which 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. '' These accounts are adverse items and they are reporting again without my permission which is against the law. Again, these adverse items are causing injury and damage to me because they are preventing me from accessing my credit and being able to get the house, car and food I need for me and my family. 

Inaccurate accounts that need to be removed include : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX of 2020 I noticed a fraudulent account on my credit profile from Bank of America. I started a fraud dispute with all 3 credit agencies and I reached out to Bank of America and they stated that they would be removing the account from my credit profile and still it's reporting on my credit profile. Please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt not apply for XXXX XXXX XXXX account Im seeing three accounts with one single application on my credit reports and one is open with {$980.00} balance and another one is closed due to lost and stolen card and last one which is {$1200.00} closed with past due. With XXXX and three accounts with XXXX Im asking for these duplicates accounts to be remove off my credit bureaus this is a fraudulent application
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$680.00} Neither the collection agency or the bureau XXXX has validated the debt. <P/>Under Equifax it says the account name is unknown the only thing that was close to matching the debt under XXXX is the dollar amount and the incomplete account number and under XXXX the account name is XXXX XXXX XXXX  limited again the only thing close to matching the debt under XXXX is the dollar amount and the incomplete account number
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX account to XXXX XXXX at the instructions of the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # - XXXX XXXX XXXX  XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Payday loan, title loan, or personal loan

I've tried on several occasions to obtain an account ledger so I can see the interest/charges added onto my account. I called and spoke with XXXX in XX/XX/XXXX and was told they do not give account ledgers out. I went into the store and sat down with a woman who worked there and she gave me a print out but told me she would get in trouble if her supervisor found out. The interest amounts added to my account seem outrageous. I again requested a copy of my account ledger on XX/XX/XXXXand was informed by XXXX XXXX that they dont give account ledgers out. I asked why I was required to pay my car registration to title max instead of the XXXX when I first signed my documents and he didnt have an answer. They added it to the loan and charged me interest on it. I requested a copy of the loan documents and it was sent but it's for a different amount then the actual loan was for. I'm still looking for my original contract ... ( I recently moved and cant find it right now ). It shows I signed for a totally different amount.
Product: Debt collection

Enhanced Recovery Company put two accounts on my credit XXXX XXXX of {$110.00} and XXXX of {$4700.00}
Product: Credit reporting or other personal consumer reports

Experian has run soft credit pulls on my credit without my permission and have allowed other soft pulls that I did not authorize. 

Experian has XXXX credit matches for credit promotion on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR 2007 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX. THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. 

PLEASE NOTE THIS IS NOT A DUPLICATE 1098,
Product: Checking or savings account

Hello I'm XXXX I Had To Do Write This All Over As I Had find Some Images Or Example Of The Trauma Dealing Wit Bank of America 1.For me constantly seeing money leave My Account 2. Strangely The Transactions Goes Missing 3. When You Get On the Phone With there Representatives And Hear How They Just Don't Seem To See The Transaction date That You Tryin To Dispute 4.One Time > Cashed Out & Withdraw from. A XXXX XXXX XXXX XXXXnto My Bank of America Account And it Want Missing Bank of America Tried To XXXX XXXX XXXX XXXX  But XXXX XXXX XXXX  Sent Me Proof of Transaction Number that It Was Sent to My Bank Account Dealing With This Bank Is Very Stressful I want from {$5.00} Matience Fee To {$12.00} With No Transparency As To Wit Is Goin On.
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}
Product: Credit reporting

Equifax continues to update and report a past due balance of {$2300.00} for a XXXX Account # XXXX that was paid and settled in XXXX XXXX, 2015. ( Copies of letters and cancelled checks are attached ). I have disputed this information with Equifax on numerous occasions. In XXXX they updated the account correctly, then in XXXX 2015 they reported the negative information again. Equifax 's inaccurate reporting is hurting my credit rebuilding efforts significantly and makes it harder for me to secure credit. This information should be updated immediately and not changed again. Equifax is in direct violation of the FCRA. I have given them multiple opportunities to correct and they have not.
Product: Debt collection

On or about XX/XX/2018 I moved into a house with roommates and an account was opened with the water company in my roommates name. Neither my roommate nor myself could get to the water company to pay the water bill because neither of us had transportation. I elected to pay the water bill electronically via the water companies official website using one of my bank cards. I am not the account holder, I was an authorized user on the account. I no longer live at the address in which the account was opened. A collection agency attempted to collect on this debt and I explained that the account was not in my name. The collection agency reported the debt to a credit reporting agency reporting that I owe approximately {$1000.00} which, in turn has negatively affected my credit score, which I have worked diligently to improve over the past year or so. I contacted the water company and explained that the account was not in my name but was unable to reach a resolution. I have recently contacted the collection agency via email with the explanation as to why I don't think the debt is mine considering the account was opened in someone else 's name however I have yet to receive a response from the collection agency. At the time that the debt was ongoing was right in the midst of the COVID crises and at a time when myself, my children along with my roommate had contracted COVID, I don't know if this information is helpful but I'm including it anyway. Please contact me with any further questions about this complaint. Thank you kindly for your help with this matter.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to XXXX XXXX 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX  ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify and/ or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note XXXX XXXX are reportinga fraud account onmy credit. I ddint open this account, nor did I authorize anyone to utilize my information in order to open it on my behalf. Upon contatcing XXXX  I informed them that the account is fraud, and I was informed that the account will be removed upon payment. I chose to make a payment instead of filing a police report for the sake of time. However, this account WASNT DELETED from my credit ... hence i have filed an FTC report which is attached below.
Product: Money transfer, virtual currency, or money service

Hi Dear Coinbase Support Team. 
By mistake i have given the coinbase ETH address during XXXX  XXXX, and i have recieved my XXXX $ CRPT coins in coinbase address  XXXX. 
Please look into the issue ASAP and either transfer the token to my correct MEW ETH address or Send the transaction back to the sender. 
My friend did the same in XXXX and XXXX sent the token back to sender. 
Please do the needfull ASAP. 

Please send the transaction back to my correct ETH adress XXXX or to the sender back. 
your help is highly appreciable.
Product: Money transfer, virtual currency, or money service

I live is XXXX XXXX texas on XX/XX/XXXX I made a transfer through wells fargo transfer that never reached the beneficiary that was XXXX in XXXX I have tried through my bank but without success I have not been able to recover the money back could someone contact me the XXXX / XXXX  is XXXX. My phone number is. XXXX XXXX. If there is a customer service line or someone who can contact me please. I have month 's trying to get a solution and today the bank manager tell me I have to contact the other bank the have the funds sounds like a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a Fraud alert on my credit report and it was pulled by   XXXX   XXXX  . I NEVER authorized   XXXX   XXXX   to access my report. I tried calling but was disconnected from twice.
Remove this off my report please. I have not applied for credit.