23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Cash app is holding a deposit I made to XXXX XXXX XXXX. The told me in a live chat that XXXX was holding my money up and I spoke with XXXX and the assured me they were not holding my money and even provided documentation which I sent to cash app. They are holding {$150.00} for a week now. The agent said he could not do anything for me
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following unauthorized account from my credit report. As a victim of a data breach, I have identified fraudulent activity tied to my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have this item blocked and removed from my report. 
XXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

Got a call from XXXX at Transworld on behalf on XXXX XXXX. Trying to collect on a bill I paid upon receiving from XXXX XXXX. I never received a followup from XXXX XXXX about the bill being owed. I received a collection letter about a month ago about this, which I disregarded as I did not owe anything.
Product: Debt collection

An apartment complex has submitted communication to a collection agency that i vacated the rental property without notice and they also are looking to collect damages. I vacated the property in XX/XX/XXXX with an inspection report and a " ok '' from management. XX/XX/XXXX it hits my inspection report and I realize the debt as I was trying to finance a car. Does 5 years break the statue of limitations even if the charges were legitimate?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I have fallen victim to the malicious act of identity theft, and the impact has been devastating. Criminals have opened several fraudulent accounts using my name, including one with XXXX XXXX under the account number XXXX, This account, currently carrying a balance of {$1200.00} ; and other with XXXX XXXX under the account number XXXX, this account is has a balance of {$100.00}. Both of these fraudulent accounts has been delinquent, severely damaging my credit score. 
This is my first encounter with identity theft, and I must admit it has been an overwhelming and challenging experience. It feels as though my very identity has been stolen, and I am determined to regain control of my financial well-being. After filing an identity theft report with the FTC, specifically report number XXXX, I promptly took the necessary steps to rectify the situation by sending dispute letters to the credit bureaus. In these letters, I provided a detailed account of the fraudulent accounts on my credit report and requested their immediate removal. However, to my dismay, the credit bureaus have outright rejected my request, failing to provide any explanation for their decision. The refusal to remove the fraudulent accounts from my credit report is a blatant violation of my consumer rights. As a victim of identity theft, I find this decision to be deeply unjust and unacceptable.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The inaccurate Accounts Include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Per court judgement, I was to be removed as responsible payer for property by courts during divorce decree, dated XX/XX/year>. Wells Fargo Bank
Product: Debt collection

I paid a debt that was for XXXX, and it was paid to UNIFIN. I was told by the representative on the phone the debt would be reported to the credit bureau within 30 days, as I wanted to be sure it was reported. I am a single mother trying to pay off my debts to get a home for my son and I, and this was very important to me. 30 days passes, and it was not showing on my credit report. I called back, and another rep told me it should show soon. 60 days passes. I eventually received another bill in the mail showing an oustanding balance, and I was very upset. I called and was told this was inaccurate and that the bill was already paid. When I asked why it had not been reflected on my credit report yet a lady named XXXX ( I believe? ) said " sorry, this account isn't reported to the creditors. '' I called XXXX, XXXX XXXX, Unifin -- - no one cares that it has not been reported to the creditors, although when I called Unifin and e-mailed in response to their receipt showing my payment I was told twice before it would be reported. There should be recordings of this since they always say " this call is being monitored '' .... yet no one can seem to pull up a recording when I ask them to, as that will prove what I am saying is true. This is not right. 

I reported to the XXXX, and the company still contested it saying the account is not reported to creditors. Why did two different reps tell me twice it would be reported- just to get my money? I still show a derogatory account on my credit report to XXXX. I even mailed XXXX a letter, and they were no help. THIS HAS BEEN PAID!!!!!!! I have the receipt where I paid the settled balance Unifin offered in full with my debit card on XX/XX/2020. Had I known this would happen, I would have required it be put in writing that it would be reported to the creditors. I took the reps for their word. 

This is so unethical, and I have done every possible thing I can to hold them accountable to what I was promised. Something as simple as reporting my account was paid in full for the settled balance -- to eliminate it showing as derogatory, because I did my part of paying my balance.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Disputed Inquiries from Equifax Credit Report Dear Equifax, I am writing to formally request the removal of several inquiries from my credit report. Below are the confirmation numbers and dispute details : - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX Despite submitting these disputes, I received a letter from Equifax dated XX/XX/XXXX, stating that you do not have my credit report. I find this information incorrect as I previously disputed inquiries. I kindly request that these inquiries be removed immediately, and that an updated credit report be mailed to me as soon as possible.

The inquiries in question include : - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct my credit report and update the status of these inquiries accordingly.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Bank of America contacted me and issued a new credit card because " an undisclosed merchant '' had compromised my data. When I called and requested the name of the merchant, they said they did not know and I would have to call XXXX. I asked to talk to a supervisor who told me that calling XXXX would be futile as they also would not tell me what merchant had compromised my information. I want to know what happened so I can determine whether I want to continue to do business with the merchant.
Product: Credit card

American Express sent me two 1099-XXXX forms XXXX I have no clue why they are saying I made " other income. '' I tried chatting with a representative who told me they can not help and I need to call. I called the number quite literally listed on the 1099, and the Rep didn't know what a 1099 is and gave me a phone number for a different department ( not correct either ). Next I chat with a rep again trynig to ask for the correct number, and I'm told there is no number and no one that can answer my questions. How is that possible? Someone from American Express had to issue the 1099, so how are they not able to answer any questions about it? They're sending me from one person to another, wasting tons of my time, just to tell me there's no help that can be provided. Completely unfair and pure insanity.
Product: Debt collection

I have disputed this account and received nothing and this company still list this unknown debt which I have never did business with. Pease help
Product: Bank account or service

We have a savings account that we have had for many years. Never really checked balance but when we did XXXX or 4 years ago it was drained to zero. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX anT they confirmed that our account was being used to pay XXXX of there customers.they withdrew XXXX months and only gave credits for XXXX months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Please see figures below. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to obtain my credit score for Equifax, nor file. I contacted XXXX XXXX to inform them of the issue and this issue hadnt been resolved. Its been about a couple months or close to year where Im not able to see any information which I do have credit.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with CREDITACPT. I do not have a contract with CREDITACPT, they did not provide me with the original contract as I requested.correction to my credit report, I demand this account be removed from my credit report
Product: Student loan

When I logged into my Navient account today, it indicated that my account had a late payment balance of {$110.00}. I did not recall making any payments late, so I started investigating. As I looked at the previous 12 months worth of statements and compared it to my payment history, I always paid the amount due. I called Navient, and after some research the representative said that the XXXX amount due should have been {$110.00} more that it was. I explained that when I log in to the website, the amount due is prominently displayed and I must allocate the payments for each loan. I paid the required amount in XXXX, XXXX, XXXX, and XXXX. My XXXX statement does not show any late payments. They said that the audit revealed I owed an extra {$110.00}. They were kind enough to not charge me interest or a late fee for the payment I did n't know I was supposed to make.
Product: Credit card

1. The account was set up for automatic payment. For several months you withdrew money from the XXXX account and also billed my company. 
2. It took multiple, lengthy phone calls to get this fixed. Each time were assured that the problem had been solved only to discover the next billing cycle that it had n't. 
3. Further, rather than withdrawing the actual amount due you withdrew a fixed amount ( {$440.00} ) each month - regardless of the amount owed! E.g. the statement for payment due XXXX XXXX showed a balance of {$95.00} but you withdrew {$440.00}, creating a credit of {$340.00}. The statement received yesterday shows charges of {$59.00}. But instead of reducing the credit balance by that amount you again withdrew {$440.00} from our bank account thus increasing the credit balance to {$720.00}. This is ridiculous. 
4. When we called to get this corrected your representative told that Citi has no way of netting current charges against credit balances. If true this is absurd. 
5. As to your telephone service, I can only say that it has been terrible. When we called to clear up this mess ( two times today alone ) we first were put on hold for more than 15 minutes before reaching a representative. He/she listened to our complaint, said that we needed to speak with a different office, and put us on hold. After another 10 - 15 minutes on hold we were disconnected. We then called to cancel the account. The same thing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with Experian, XXXX & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to remove a fraudulent account from XXXX XXXX XXXX that was placed on my Equifax report. As a result I have filed a idenity theft report with the XXXX XXXX XXXX XXXX XXXX. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, i have been trying to resolve problems in my credit report over a year. I found out that all the addresses and employments information in my report were incorrect and need to be removed. These problems need to be solved as soon as possible because it's gradually affect our family 's situation. Our family life have turned up side down since the COVID-19 start the fire in US. There are no income to stay at home and keep distances from people. Here are the addresses and employments information. 
**** ... .***** _EMPLOYMENT INFO *XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ADDRESSES REPORTED XXXX XXXX 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: Money transfer, virtual currency, or money service

I had taken some money out of my retirement account to purchase a lot for my son, The deal did not worked out, and the money was sitting in my checking account at XXXX  XXXX XXXX. A friend told me about crypto investing and Coinbase as the exchange of choice. I did a little research and on XX/XX/XXXX purchased my first XXXX token, Then on XX/XX/XXXX two more token for a grand total of {$7700.00}. According to Coinbase, the first payment was denied by my bank for insufficient funds. My bank statement shows payment for the 3 tokens to Coinbase and my wallet shows i do owe them as of today. The problem is a couple of days later, I tried to purchase some more tokens and now my account is restricted to trade, or to transfer my money out of this wallet. 
I e-mail customer services since they do not have live personal help to find out what the problem is and all i got was a genetic letter saying they are working on my problem. Since I do not owe money to Coinbase, i figured maybe they needed ID verification, so I tried to send my ID to them. The next e mail I recieved was and i quote " to explain my intended use of the account, why did i sign up with Coinbase, if some else knew about my account. " i tried to answer all the questions and received another mail saying they are working on it. I have been waiting for a month for them to lift the restriction or to provide me with a reason for it and a way to resolve it. I get nothing more than an e-mail saying they are working on it.

Out of frustration, I was going to cancel the account, but instead opted to transfer out of the Coinbase wallet. Well, I am restricted to do so. In other words, they have full control of my investment and the money it is generating.The value of my account at the present is {$11000.00}, I will like to transfer to another wallet and I need Coinbase to release its grip on my money asap. This Company have the worst customer support. We are
talking a month e-mailing back and forth and I am still in the dark not knowing why my account is restricted and I am unable to move the money out.

I want people to know about their bad business practice, luck of support and use of others people money to profit themselves.
Product: Debt collection

Requested United Revenue provide documents of service dates, payments made and outstanding balance for charge off amount. Including insurance negotiated rate of service.
Product: Credit card or prepaid card

Old Navy Sychrony Bank will not work with me during covid-19 relief. My state has several laws, orders, and ordinance Regarding consumer protection during covid relief. I contacted customer service XXXX XXXX and spoke to a customer service representative and two supervisors company still disregarded my request and made them aware of the laws in my state. 
I complained to the Attorney Generals office and was not given a solution. The person responded that the correct thing to do was to contact customer service when in fact I had already done so as stated. They did say they are willing to abide by the state laws. A late fee was also assed on the account and needs to be waived.
Product: Checking or savings account

Wells Fargo says I was hacked, but when you called the number back it was Wells Fargo. The caller told me that a bank employee was targeting stealing funds from my acct. They knew my four acct names, numbers, and balances and they immediately knew when Wells Fargo shut the account down. They must work in fraud for Wells Fargo. Wells Fargo won't reimburse the funds the employee.
Product: Debt collection

Called Focus Financial today because there were five collections on my credit report from them. I never received any written notification before it was put on my credit report.
Product: Credit reporting or other personal consumer reports

Ive been a victim of fraud and data breach and eqiiifax and XXXX has refused to investigate properly or remove incorrect items from my credit report and this is a violation to my rights I have sent them ftc, police, id, ss, affidavit data breach proof and these items still remain, Accounts, :XX/XX/XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX are not mine Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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