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

This is my second time... 
I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX XXXX XXXX # XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some discrepencies on my credit files and found out I was a victim of identity theft. I notified all 3 credit bureaus, the police, and the FTC, as well as, file numerous complaints via this forum and all I have not received any responses. I have not received any proof that these accounts are mine because they are not. The accounts and inquiries I have noticed and have been trying to remedy are below : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Florida Dept of Revenue XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX Inquiries XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have paid the debt owed and I was told the account will be removed from my credit credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX 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
Product: Debt collection

I have been receiving calls from Afni for years now about equipment that has been returned. I have disputed this on my credit reports and it keeps coming back. The last time I spoke to a representative she could not tell me any information about the debt just wanted my credit card information. They call 5 to 10 times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED AN FTC REPORT FOR AN XXXX TIME. i HAVE INQUIIRES LISTED THAT DO NOT BELONG TO ME AND AN ACCOUNT LISTED ON XXXX. ALSO TRANSUNION HAS AN INCORRECT DATE OF BIRTH FOR ME.
Product: Checking or savings account

I was a victim of check Fraud while using my Bank of America Checking account back in XXXX XXXX I was college student offered a job and sent a check. I was told the amount was sent in error and I need to refund it I was the refunded amount through XXXX to the information provided by the fraudsters which is when Bank of America declined the fraudulent check closed my account and asked me to pay back the amount owed with no explanation
Product: Checking or savings account

According to the FDIC Ive never received my insurance money for my account also was denied business credit was denied for too much hard inquiries which thats a violation to consumers rights! Ive never gave TD bank consent to close my account this really injured my business completely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX has two accounts posted to my credit report stating they were opened in XXXX, they didn't even show up on my credit report till XXXX though & are definitely purchased old debts that are closed, ( as seen on my reports ) & over 7 years old or more. They are far too old to be on my credit report. The company itself has not reached out to me personally, ( in fact, I wouldn't have known about it if it wasn't for self-credit monitoring ). However, just as with the previous company I reached out to you about, reporting it for dispute with the credit companies, failed. The fact that they have reported it as in their possession for 4 years without payment, even though we never spoke, much less agreed on payments, is just dragging my credit down BAD. I've worked extremely hard to repair it, ( as I believe my recent, factual history shows ), what this company & others like it are doing is just immoral. The first they are reporting is from ; Original creditor : XXXX XXXX XXXX  The Second is from ; Original creditor : XXXX XXXX 

Which brings me to another issue, a second company, MIDLAND FUNDING is also falsely reporting an old debt as opened in XXXX, ( Never received anything from them either ). They are doing the same as the company I mentioned first, lying about the date the account was opened, lying about missing payments & reporting to the three major credit bureaus every month since XX/XX/XXXX. Yet, I've never spoken to anyone! This company also claims to have the same original creditor : XXXX XXXX but with a slightly, VERY slightly different balance. 


So, to review, company one is, Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone number : ( XXXX ) XXXX Company two is, Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were not payment required from XXXX until XX/XX/2020 due the virus ; however, XXXX is showing late payments for XXXX andXX/XX/2020. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is related to the credit  or   XXXX   XXXX  l.
I have notified   XXXX   XXXX   in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by   XXXX   XXXX  .
I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and   XXXX   XXXX   has n't provided me with anything. Please help!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected.

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

TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX, IM HAVING A PROBLEM XXXX XXXX XXXX XXXX BACK IN 2018 THEY PUT A 30 DAY LATE ON MY FILE THIS YEAR AND THEY WHERE PAID OFF, THEY SAID I OWED XXXX DOLLARS AND I DONT, AND THEY WILL NOT TAKE IT OFF. I CALLED ALL THREE CREDIT COMPANIES, AND THEY WILL NOT HELP ME. IM FIGHTING XXXX XXXX AND THIS IS VERY HARD ON ME. AND THERE ARE FRAUDULENT INQUIRIES AND A COLLECTION ON MY CREDIT FILE THE NAME IS XXXX XXXX XXXX IN THE AMOUNT OF XXXX AND I DONT KNOW WHAT THIS IS.ALSO XXXX XXXX XXXX XXXX XXXX I WILL ATTACH MY FTC REPORT WITH ALL OF THE INQUIRIES AND THE FRAUDULENT COLLECTIONS ACCOUNTS.
Product: Checking or savings account

I requested to have my checking account closed with Associated Bank, which refuses to close my checking account. I refuse to pay Associated Bank the absorbent {$7.00} fine continually to my account balance each day ; my balance remains negative due to financial hardship and Associated Bank ; unread Discretionary Overdraft Services. I understand I owe an overdraft fee of {$36.00} ; per overdraft or NSF ( unavailable funds ). Whether an overdraft will be paid is discretionary, the bank reserves the right not to bear. I was able to establish this account while in financial hardship in XX/XX/2021. I was not expecting an account I had just opened to be protected by over-draft. To be honest, a bank will typically not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. I made an initial one-time deposit into the account. The obligation I made to Associated Bank ; was to pay off my over-drafted paid items and the two charges of {$36.00} an overdraft fee. The {$7.00} continually being excessed daily onto a balance I agreed to pay. Why keep someone's account open in financial Jeopardy.
Product: Bank account or service

I made a deposit to Bank of America on XXXX/XXXX/15 for {$1400.00} and received a receipt that a deposit was accepted and would credited by the end of business, which it was. In the interim on XXXX/XXXX/15 they retracted the deposit and placed a hold on it until XXXX/XXXX/15. I did not receive any notifications, but in talking with the bank representative they claimed it was emailed to me on XXXX/XXXX/15??? How can you charge me a {$35.00} fee on XXXX/XXXX/15 without providing notice. To add insult to injury I was charged another {$35.00} fee on XXXX/XXXX/15 for a difference of 34 cents??? This is down right deceptive and should be illegal.
Product: Student loan

I signed up for direct debit, have e-mails saying it was set up for XXXX to be paid ( the due date ). Come XXXX it had not been withdrawn from my account. Worried I called My Fed Loan and they said sometimes it takes a couple of days to withdraw the amount, so I waited two more days, contacted them and they said it WAS PAID, but nothing came out of my account! I figured maybe it was in the process of transferring or something? Eight days later and they 're sending me notices for not paying. 
That is absolutely ridiculous ; there is no reason in this day and age when student loan users are grossly abused that the provider ca n't have a decent system set up SO I CAN PAY THEM THE MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

MISSING INFORMATION ON MY TRANSUNION AND XXXX  MY MORTGAGE XXXX   MORTGAGE ACCOUNT # XXXX BALANCE XXXX HIGH CREDIT AMOUNT XXXX DATE OPEN XX/XX/2015 TERM 30 YEARS ACCOUNT STATUS PAID AS AGREED XXXX   ATTACHMENTS
Product: Vehicle loan or lease

My wife and I have placed multiple complaints with Santander. Apparenly there is an " executive office '' that handles these complaints. We have left several messages for them with no response. Our credit reports are showing ( currently ) as past due of XXXX, XXXX, XX/XX/year>. XXXX and XXXX were on a diversion for those months, therefore we should not have a past due. XXXX 's payment was made before the XXXX cutoff. I have submitted documentation and was advised that it would adjusted when we first placed the request. That was never done, and we can not reach anyone since.
Product: Debt collection

I was sued for a debt that was sold to Mandarich Law Group LLC. In XXXX they filed a suit improperly and then they filed another in XXXX. I was never notified of the lawsuit by XXXX. The only way I found out was from other law firms hoping to help me negotiate a settlement. When I was made aware of the lawsuit I was already making payments towards the debt. I called in XXXX I think to see if I could make an official payment arrangement with them but they so they would drop the suit, but they wanted to ask questions about my financial situation so I told them that I would just continue to make payments on my terms. I also inquired about why I had received no notice of the lawsuit from them and the rep stated that the summons was out to be served. My court date was XX/XX/XXXX. On XX/XX/XXXX I was able to pay off the full debt so I made the payment directly through the law firm 's website. Conqensidentally the very next day XX/XX/XXXX they filed my summons returned unserved although the document was signed unserved XX/XX/XXXX and stated that the last date of non-service was XX/XX/XXXX. Also, I never had anyone attempt to serve the papers to me. I work from home and am very paranoid about knocking on my door so if anyone came to my door those days I would have remembered. Also, it's false that I moved I still live at the address on the document. So I had I never made a payment they would not as filed my summons as unserved and then if I failed to appear in court I would have had a judgment against me. Which I feel they have probably have done to other people. Anyway, I have submitted the payment to be made but I has yet to be withdrawn from my account. I've called multiple times to see why with no answer and they have yet to notify me of any issues they've had with processing the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. I've been asking for remedy about this matter but I guess Transunion is oblivious for they have again neglected my concern. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the accounts below : XXXX XXXX XXXX, XXXX  XXXX
Product: Checking or savings account

I woke up to realize that Bank of America has deducted XXXX from my account I was in debt. After series of calls from department to department I was told to head to a branch to remove this account hold. After investigating we figured out why a hold was placed. A company kept trying to charge my account of the same amount with triggered the fraud alarm. We requested a new card. I was told the hold will be removed in an hour its been 7 hours the hold is there I m still on debt all my money was in there. I want my account back to its current state please I beg of you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information and company has paid of accounts by insurance companies and I would like them removed immediately XXXX Equifax XXXX, XXXX XXXX XXXX XX/XX/XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On Monday XX/XX/year> I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and withdrew XXXX $ cash from the atm at XXXX XXXX. I must have dropped the card or was pick pocketed not entirely sure. Whoever took possession of my card started to make charges to XXXX XXXX as early as XXXX XXXX  according to my XXXX  bank statement. 
I worked the previous night and then came home took my son to school and then went to the XXXX. 
After that I was not looking at my phone and did not recieve a notification until XXXX XXXX which I did not see. Chime sent me a potential fraud alert and asked me did I try to make a purchase to XXXX XXXX  for XXXX XXXX I did not see it so I did not reply. So Chime decided to send me XXXX more similar texts and did not stop letting the scammers drain my account despite them recognizing it as fraud. 
the following transactions were fraudulently made to my card ending in XXXX before I cancelled it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TOTAL FRAUDULENT CHARGES. 
I called XXXX XXXX. for which I had an account with but in no way shape or form did I perform any of those transactions with my account. They stole my card and paid themselves to the accounts mentioned above with my card ending in XXXX XXXX CHIME CARD. Once I told them my information and what happened ( XXXXXXXX XXXX XXXX XXXX ) they gave me a complaint number XXXX. I spoke with " XXXX '' who verbally acknowledged that these charges were all fraudulent, and as they were still pending, can they be stopped. They basically told me too bad so sad scammers have rights. I have it on recording on my phone. I went to my local PD who didnt want to even let me make a report but I did make XXXX, with XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX report numberXXXX XXXX THIS EVENT HAS CAUSED ME EXTREME FINANCIAL HARDSHIP AND EXTREME EMOTIONAL DISTRESS. 
I WOULD LIKE TO SIGN UP ON ANY CLASS ACTION LAWSUIT BROUGHT AGAINST CHIME OR CASHAPP FOR THESE PRACTICES. 

WHY SEND ME A FRAUD ALERT AND WHEN YOU DO NOT PROCEED TO RECIEVE A RESPONSE THEY CHOSE TO INFACT PROTECT THE SCAMMER INSTEAD OF THE LOYAL LONGTERM CUSTOMER AND CONSUMER ( MYSELF ). THEY HAVE BEEN DOING THIS. UNFORTUNATELY I AM LEARNING NOW HOW POORLY THEY TREAT PEOPLE LIKE ME. 
I BELIEVE THESE FUNDS ARE GOING TO XXXX ORGANIZATION, AND SUSPECT THAT IT IS AN ORGANIZED CRIME SYNDICATE GOING ON THAT IS DOING THIS WITH THESE ACCOUNTS, AND THE CORPORATION BEHIND IT NEEDS TO BE INVESTIGATED FOR FUNDING XXXX ORGANIZATIONS BY STEALING FROM LAW ABIDING CITIZENS. THE FBI SHOULD BE NOTIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title XXXX, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

After several notices of my PII being leaked in several data breaches and information that my PII was found on the XXXX XXXX, I found more fraudulent information on my credit reports. I attempted to resolve this directly with the companies with no success as the companies have the information provided by the bad actors and not information that I can verify to be true and accurate. I disputed the information several times with the 3 major credit reporting agencies yet their actions show that they believed they were entitled to disseminate false information, damaging my creditworthiness. I have suffered immensely as the inaccurate fraudulent info has interfered with my ability to participate in interstate commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft CB/XXXX  Account Number : XXXX This is not mine.
Product: Debt collection

I filed a UCC financial statement and recorded it with my county and also submitted a 1009A and 1099C, which was also sent to the IRS. They are refusing to discharge this debt. I even called for a Performance Bond number and refused to give me one so I can settle this matter. They are threatening to auction off my house, even after I spoke to them. I received a certified letter on XX/XX/2023 from their attorneys. Names are XXXX, XXXX, XXXX XXXX XXXX XXXX at law. To settle the so called debt of {$230000.00}, to get this discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 18 months Equifax has refused me online access to my credit report. I have faxed documents proving who I am and my address and they keep saying they never got them. The last Time I faxed was 30 days ago. There is information on my report that should not be there due to age or a release was signed. 
I have called customer service and they tell me they cant help me unless I am a paying member. They are rude and condescending and speak broken English because they are in a call center in XXXX. 
I am unable to obtain a mortgage because they will not allow me to access my report and dispute what needs to be disputed.