23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Company has never furnished me any findings of their so called investigations that have been going on supposedly since XXXX, XXXX ; all received has been " closed. Valid '' Nothing is valid about my credit card statements, and can not possibly be valid : There were 28 plus unauthorized charges on my account ; these unauthorized charges went on for 1 1/2 years, XXXX, XXXX through XX/XX/XXXX. 
The guilty party, being a Law Firm in XXXX XXXX, Fla. got away with the 28 plus unauthorized charges that amounted to over {$47000.00} plus because it was a Merchant of the Company, and because it was a Law Firm. Therefore, my Bookkeeper, who checked the credit card statements, believing they were legitimate charges, did not file a dispute, nor check with me. I never handled my charge card statements. They were all paid by automatic payment, and my bookkeeper checked and posted the statements : She posted these unauthorized charges as " Legal Exp. '' When I found these unauthorized charges I filed immediately a dispute with the proper office as instructed. I never received an acknowledgment or report of any kind in 30 days ; nor did I receive any kind of report of findings after the 60 days. Nor have I received any findings as of this date. But, I know why now : There was never an investigation done ; only a judgment of my dispute : This was admitted to by One who was supposed to be investigating the matter : I was told that Discover does not investigate their own records, nor will they investigate what I send in. They may close the case without viewing my evidence, even if I refer to it in a letter.

And unless you send in " new evidence '' they may not open a closed dispute.

I have requested the Company to investigate their records to see who the Company paid my money to. 
We have the name of who made the unauthorized charges ; but I requested they verify to make sure someone had not stolen their identity. 
I also requested some missing Credit Card Statements. They refused but after probably about 10 to 12 requests they sent some statements, but not the requested statements. I asked if they did not have the statements, either to reprint them or just send me a list of all the unauthorized charges by the Law Firm. So far, since XX/XX/XXXX, have not received. I believe there are more unauthorized charges than the 28, which is why I state 28 plus. 
I never retained the guilty party, and had no dealings with the Law Firm except I loaned ( paid directly to the Law Firm with my Credit Card, ) the Retainer Fee to others. That is how the guilty Law Firm got my credit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIOSN : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$1000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7200.00} Status Voluntarily surrendered/Never late. {$7200.00} past due as of XX/XX/XXXX. 






XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$82000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$500.00} Status Collection account. {$500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX  / {$160.00} / XX/XX/2022
Product: Debt collection

The company was threatened to garnish my paychecks. The company was also harassing me and calling all hours of the day and weekend.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I clicked a phishing link saying my Coinbase account was compromised. I reset my password on the internet browser link and then logged in on the app where I saw different tokens being converted into Bitcoin. I called Coinbase to freeze my account and did it virtually as there are no live people. I got an email saying my funds were frozen. Then I got an email saying all of my funds were transferred out into a different wallet. I did not do any two factor authentication as I am supposed to. I did not authorize any funds transferring out. I also did not authorize any computer besides my phone to complete any transaction ever. Someone took around XXXX from me, which Coinbase shouldnt have allowed within seconds of a password being changed. They also could have reversed or stopped this as I was on the phone within seconds of changing my password. I have contacted them repeatedly but it has been over two weeks now without any personalized response or acknowledgement. They said they transferred my case to a specialist and are not responding to any more emails.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

COMPANY DATE CREDIT BUREAU XXXX XXXX XX/XX/XXXX XXXX ADVANTAGE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. 

I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello i am disputing the inaccuracy of why XXXX XXXX is appearing on my credit report with the 3 bureaus. I sent in numerous amounts of disputes. I sent one into the bureaus individually, I sent one to the courthouse and also XXXX XXXX. The courthouse has addressed my concern and said they do not furnish information to the third-party companies such as the credit bureaus that companies such as XXXX and XXXX XXXX house this data. I have disputed this with XXXX XXXX and they have removed it from my consumer report i have a letter as proof. I sent another dispute to XXXX, XXXX, and Transunion and they are still reporting it after asking them to remove it.
Product: Debt collection

paid off the debt in full, did not take an " offer '', paid in full and the collection is still on my credit report. The collection needs to be deleted.
Product: Vehicle loan or lease

Ally bank refuses to fix their app problem causing me a horrific hardship whereas I have to pay additional fees to pay my car note
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Formal Dispute Regarding Unauthorized Hard Inquiries [ TransUnion File Number : XXXX or Social Security Number : XXXX ] To Whom It May Concern : I am writing to formally demand the immediate removal of unauthorized inquiries listed on my TransUnion credit report, as these inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681b.

According to 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a credit report when there is permissible purpose as outlined by law. I have reviewed my TransUnion credit report and have identified the following unauthorized inquiries that do not meet the permissible purposes defined under federal law : [ XXXXXX/XX/XXXX XX/XX/XXXXXXXX ] [ XX/XX/XXXX ] I have not provided any authorization for these companies to access my credit report, nor have I initiated any transaction or applied for credit that would allow these inquiries to be legally placed on my report. These unauthorized inquiries have caused harm to my credit profile, which is unacceptable and unlawful. 
I demand that TransUnion immediately delete these inquiries from my credit report as required by law. Failure to comply with this demand within the time frame set forth by the FCRA will leave me no choice but to take legal action. Additionally, I expect to be provided with written confirmation of the removal of these inquiries, as well as an updated copy of my credit report. 
This letter serves as a formal notice under the provisions of 15 U.S.C. 1681i. If these inquiries are not removed, I will be forced to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and seeking monetary damages for willful noncompliance as outlined in 15 U.S.C. 1681n. 
I expect a response confirming the deletion of these inquiries within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not know who this company is. I never gave this company access to report anything on my report. This CIC company is reporting incorrect information and I am suffering due to them violating my rights
Product: Credit reporting or other personal consumer reports

I am reporting deceptive business practice with XXXX XXXX and The collection company States Recovery Systems. I opened a credit loan with XXXX XXXX in XX/XX/XXXX. My loan went into default and was closed XX/XX/XXXX. The account was charged off {$2200.00}. My original account number with XXXX XXXX was XXXX. This account was turned over to the collection agency States Recovery on XX/XX/XXXX with a balance of {$2800.00}. For the past year I have been reporting to the credit bureau inaccurate information reported to my account by both companies. First, both companies are reporting that I have balances on my account. Secondly the original charge off dates have been moved up to XX/XX/XXXX. And thirdly, States Recovery is reporting the account with a different account number, XXXX, to appear as if its two separate accounts being reported with their balance at {$3500.00}. They can not charge me twice for the same account. I have made several attempts to correct this issue with the credit reporting agency but they are saying the two companies are coming back with the remarks of all information is being reported correctly. Please investigate and either remove both from my credit file or remove the account that is being falsely reported. This is damaging to my credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error.
Product: Debt collection

XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to Jefferson Capital provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX  service.
Product: Credit card or prepaid card

Capital One has sent me numerous letters saying they will close my credit card account because I disputed one charge that I did not make on the account. They closed that card number and never sent me a credit card replacement. They asked for a copy of my drivers license and social security card, which I provided to them on numerous occasions. They are now threatening to close my account which will affect my credit score. They are also unwilling to cash out any rewards that I have earned, which amounts to XXXX  dollars.
Product: Debt collection

My ex-wife open to credit card in Iowa under my name I have lived in Florida my entire life I have shown this debt collector bank statements from charges in Florida made on the exact same days that charges were made in Iowa I have proved I have never lived in Iowa but my ex-wife did I have also given them order from a judge stating the debt is not mine and that the debt is signed to my ex-wife and they still refuse to remove my name from it or remove it from my credit report until I pay it off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my home was foreclosed on by Mortgage Center LLC. This company has been reporting that I am past due on my mortgage instead of reporting that it was foreclosed on in XXXX. I contacted the company to resolve the issue and I was told to file a dispute with the credit reporting agencies. So I filed a dispute with XXXX  on XX/XX/XXXX, but I was told I need to contact Mortgage Center to have them send in the correct information. So again I contacted Mortgage Center and asked them to submit the correct information but I was told it's the responsibility of XXXX. 

I am embarrassed that my home was foreclosed on even tho it was due to me being ill and in the hospital for almost a year and therefore my pay was deducted by half which resulted in me defaulting my mortgage loan and losing my home. However I'm trying my best to move forward but I can't with Mortgage Center refusing to report the correct information. 

I filed a complaint with XXXX XXXX XXXX and I'm still waiting for them to comply with the simple request to correct what they are reporting.
Product: Credit reporting

There is Public Record Information on my credit report that is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, the CB 's are reporting as still active or satisfied. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify this claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX, Navy Federal, and XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law
Product: Checking or savings account

Second time someone tried to open an account through Bank of America that is not me. I received email today ( XXXX ) from BOA directly stating another attempt was made.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX. ( SELF / LEAD ) Account number # XXXX, ( XXXX XXXX XXXX Account number # XXXX, and ( XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status ( SELF / LEAD  ) Account number # XXXX, ( XXXX XXXX ) Account number # XXXX, and ( XXXX XXXX Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

From XX/XX/XXXX-XX/XX/XXXX I managed a shared house community. Upon my move out/vacating in XX/XX/XXXX the landlord and the folks who took over did not handle the accounting correctly. I had an account with XXXX XXXX XXXX in my name while residing there. It was not taken out of my name for years. I have received a bill from a collection company for XXXX. This bill should be presented to the owner of the property XXXX XXXX ( of XXXX, XXXX, WA ). It is incorrect to bill me for an account that should have been in her name or a tenant name.
Product: Credit reporting, credit repair services, or other personal consumer reports

No Contract exists for A XXXX XXXX that starts with XXXX. 
Experian refuses to change the illegal data listed as a result of their processing of my dispute. They say that The company that reported the information has certified to Experian that the information is accurate. This is not so. It's reporting illegally on my report.