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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction 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 reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently discovered multiple accounts on my credit report that do not belong to me. I immediately filed a police report regarding these accounts that appear on my report and submitted an Identity theft report as well. In addition, I contacted the consumer reporting agencies by mail to dispute the incorrect information, and shared copies of the police report as well. However, nothing has been done, and the fraudulent accounts still appear on my credit profile. Please Help! 

Account # XXXX XXXX # XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the alleged fraudulent activity tied to my personal information. I have not authorized the use of my name, Social Security Number, or other identifying information in any criminal context, nor do I recognize any charges or transactions linked to this identity theft claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with consumer portfolio, and have made over 55 payments and due to the virus. My payment was do on XXXX XXXX I made it on XX/XX/XXXX because I was just getting back to work, I work at a XXXX XXXX which that position is only a 9 month position.My credit score was XXXX and they reported to the credit company 's that is was late and they drop my score from XXXX to XXXX. I do not think that this is fair. What can i do about this. 
Thanks
Product: Debt collection

On XX/XX/XXXX I contracted for a loan with Giggle Finance for my business XXXX XXXX XXXX. I gave authorization for the ACH debit of funds from the XXXX XXXX XXXX XXXX XXXX XXXX bank account ending in XXXX. I have XXXX accounts in total with XXXX. 
Giggle Finance is accessing my other business accounts randomly and withdrawing funds at different increments. I have not failed to make any payments. From XX/XX/XXXX to XX/XX/XXXX Giggle has withdrawn their XXXX without incident. On XX/XX/XXXX Giggle finance gained unauthorized access to XXXX of my other business accounts and withdrew funding in the amount of XXXX. The account is for a totally different business and is not listed in the contract. The XXXX account was the account that I gave permission to use to repay the loan. I immediately contacted Giggle Finance XXXX XXXX and spoke with XXXX XXXX at XXXX XXXX. He was so rude and unprofessional blaming me for their mistake. He told me that I could not revoke the ACH authorization which is in direct conflict with what is stated in section XXXX last paragraph. I do not want Giggle Finance accessing my accounts. This is the beginning stage of an accounting nightmare. I own several businesses and would never know which account they are accessing until after the fact. Further, I would never know where to deposit the funds for the loan. Giggle Finance has failed to provide me with any confirmation of cancellation of the ACH authorization. I believe this is a fraudulent company and I don't feel that I can trust this. I hope this can be investigated. I put in writing XXXX request to remove the ACH authorization. XXXX specifically argued with me about my right to request ACH cancellation. He is misrepresented the contract intentionally. I am submitting a copy of the contract and bank activity records to show that the money was in the XXXX account and that there was no reason to access any other account. I discovered this and had to start transferring money so that my rent check for my store would not bounce. This has caused me much discomfort and stress. The worst part was when XXXX blamed me for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies (  XXXX ,   XXXX    and equifax ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) from my  credit reporting agencies.   i would greatly appreciate
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, XXXXMy husband was scammed and initiated a {$30000.00} wire from our joint PNC bank account to the criminals. Less than XXXX minutes after leaving the bank, he called PNC customer service to see if it could be stopped. PNC 's employee looked it up and told him that the wire had not gone through yet and the criminal 's account was also with PNC. He was told the criminal 's account would be immediately frozen so that the money could not be deposited and that it would automatically be returned to our account, but it might take up to XXXX business days. That never happened and the account remained over - $ XXXX. ( Please listen to that call. ) FROM XX/XX/XXXX through XXXX XXXX both called PNC myriad times to explain that the account only had XXXX in it at the time of the wire, but the scammers somehow made it look like they " accidentally '' wired the money to the account ( as in it showed up when he logged in ). Why would PNC allow a wire for $ XXXX from an account with only $ XXXX in it? We were referred to XXXX XXXX, who works for their wire fraud department. He could not have been more useless and was unreachable. I spoke to XXXX XXXX from wire fraud. I also talked to a lady who told me NOT make payments on the $ XXXX line of credit that PNC immediately moved into the scammed account as an overdraft because PNC told my husband it would be fixed the day it happened. She said she'd note it on her computer. XXXX closed ( purged ) all of our accounts with them. I can not be added to the account my husband opened at XXXX because I'm on some list and my credit rating has dropped from XXXX to awful.We are in collections with PNC. They say we owe them the $ XXXX line of credit plus interest and late fees AND we also lost the $ XXXX we had in that account. WHAT WE KNOWWe fully understand it is not PNC 's fault that my husband was scammed and he originated the wire transfer and are not asking about that. WHAT WE ARE ASKINGI want to find out PNC 's legal responsibility after their agent told my husband on a recorded line that the receiving account would be frozen and the money would be returned to our account within five business days. What steps were taken? Did they do their due diligence/follow up/follow the law/do ANYTHING? Do they have ANY accountability at all? Did they do everything in their power to stop the transfer? Did they act in bad faith? Were they in breach of their contract with us when their agent said we'd get the money returned and instead we are in collections? Listen to the recordings of all of our calls to PNC starting XX/XX/XXXX until PNC closed the account and explain to me how they are not responsible for ANY OF IT even though PNC 's own agent said the wire would be stopped. 

I'm only attaching the latest bill for our line of credit since PNC closed our accounts and everything was online.
Product: Checking or savings account

In XX/XX/XXXX I wrote a check for my quarterly payment to the IRS for {$4000.00}. I noticed that this check cleared my XXXX XXXXk Account back in XXXX. In XXXX of XXXX, I received mail for the IRS stating that they never received this payment. So, I asked XXXXXXXX XXXX for a copy of the check. I learned that my check that is/was made payable to " US Treasury XXXX was deposited ( or cashed ) in/into a Chase Bank. The check was/is endorsed by what appears to be an individual 's name. I have a copy of this processed check ( front and back ) for you to review. I asked my bank, XXXX to help me. They processed a claim with Chase. Chase denied my refund unless I provided them with a signed/notarized affidavit signed by US Treasury XXXX I went to the IRS XXXX at XXXX XXXX XXXX, XXXX. Tx XXXX. The IRS told me that they can not and will not sign such affidavits. I then went in person to a local Chase Bank and sat with the bank manager. She told me that I had to have my bank fill out a form and send the request to Chase. I explained that that process was done and that is how I got to her. She said there was nothing else she could do. I ended up calling an XXXX number and asking Chase to consider helping a non-customer request. They did call me back and said they would not help me.
Product: Debt collection

I am writing to complain about the collection practices of a debt collection company hired by XXXX XXXX. The company claimed to be called XXXX. The representative " XXXX '' threatened me and said if I did n't give her over {$4000.00}, which is more than what I owe, right away she would take it out of my check and it would be no less than {$15000.00}. She also called my job, and 2 relatives and told them there was a case out against me and I would be going to jail if they did n't tell her where I was. Her phone call was beyond threatening. I worked out a payment plan with XXXX XXXX and they were n't willing to accept it so they are threatening me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to do a pay for delete with a credit card that I had with 1st Progress/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off 1st Progress did not delete the account like they said they would.
Product: Debt or credit management

I wanted to pay off a small collection I had on a credit card, and after calling XXXX, I was unknowingly sent over to the Credit Repair company XXXX XXXX. I was under the impression that I was paying a settlement for the collection on the XXXXXXXX XXXX card ( XXXX XXXX ), and was informed that XXXX XXXX had committed several violations on my main credit card, through XXXX XXXXXXXX. It was only after that I understood that this was a Credit Repair company and not a collections agency. I want to cancel my contract with Credit Sage, as well as receive a refund, as no services have been given yet. I want to make sure that this company does not do any fraudulent practices with my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024, I received a credit card rejection letter that listed my FICO score with Experian approximately XXXX points below what was listed by XXXX XXXX and XXXX. Upon investigation, Experian had added a second person to my credit report with the same first and last name, but a different middle name and social security number to my credit report. This individual added a lot of negative impacts to my credit such as accounts in default and hard inquiries to my credit report. Approximately around XX/XX/year>2024, I notified Experian of the problem and disputed all of the incorrect information, including the other individuals address, social, phone number, name, and accounts. Upon re rejection form a credit card company again on XX/XX/year>2024, I found that the hard inquiries were left as well as XXXX of the default accounts with a balance of {$960.00} from the previous individual mixed into my report. The same day I re notified Experian and created a new dispute as well as contacting XXXX who the account was with. XXXX was unable to find any accounts linked to my social security number as I had no history with them. They were able to find the default account when I provided them with the social from the other individual that was previously on my credit report. XXXX made a note that the account was showing up on the wrong credit report and I was informed that they would get with management and the credit bureau to sort the issue. On XX/XX/year>2024, I was notified by Experian had closed the dispute and that " The information you disputed has been verified as accurate ''. Experian has messed up my credit report creating issues when I try to pursue lines of credit or a credit card, and they have failed to completely fix the issue twice now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Company reporting closed charge of account as part of credit utilization in order to prevent consumer from having any credit. Will not allow for dipsutes
Product: Debt collection

Last ReportedXXXX XXXX, 2015Collection AgencyXXXXOriginal CreditorXXXX XXXX XXXX XXXX CHECKINGStatusOpenOpened DateXXXX XXXX, 2015Closed Date -- ResponsibilityIndividualBalance $ XXXX Balance $ XXXX for collection
Product: Credit reporting or other personal consumer reports

I am listing 2 accounts Fraudulent from my Experian, Equifax and Transunion Credit Reports. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX  XXXX. I am listing 2 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Listed accounts and inquiries do not belong to me and must be removed from my Credit Reports. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Experian, Equifax and Transunion to mark these accounts and inquiries as fraudulent and remove from my Credit Reports. Thank you very much.
Product: Debt collection

I noticed the collection on my XXXX XXXX in XXXX, it had a small impact on my credit bringing it to a XXXX but I still tried to call the number given the information for synchrony bank. Once I called the robot kept sending me to XXXX XXXX where they informed me they had no debt for me and to wait a few weeks for it to process. I then found out in another source my credit score was a XXXX while it said XXXX on XXXX XXXX. So I call synchrony bank again to resolve the issue because I hadnt received anything before about the debt. Once again the robot kept sending me to mcm banking every time I put my information in. I kept trying to get an agent and the robot just wouldnt let me. I tried different numbers, departments, emailed them. Ive gotten no response or that they have nothing for me. Synchrony bank also keeps reporting it monthly impacting my score but I have no way to resolve the issue.
Product: Debt collection

I had no knowledge or never authorized anyone to use my social security number. These accounts need to be removed from my XXXX credit report and places on the person responsible for these two accounts, which is my father XXXX XXXX XXXX. I visit my dad, but I nerve lived there. I live at the address listed in XXXX XXXXThere are two collections on my XXXX  credit report that does not belong to me. I never knew of these collections until I turned XXXX. My father name is XXXX XXXX XXXX his social security number is XXXX, birth date XX/XX/1982. He lives at XXXX XXXX XXXX MI, he used his middle and last name, his address, with my social security with a fake year of birth to open these accounts. I had no knowledge of these two accounts on my XXXX  credit report. XXXX, XXXX XXXX / XXXX. 2. RADIUS GLOBAL SOLUTIONS XXXX date opened XXXX XXXX  I need these accounts removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in the light of the recent of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting Discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. And that tracking these transactions are unfeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system. Leaving other users vulnerable to scams.
Product: Debt collection

I had to XXXX from duty station to another. I submitted my signed orders ( which by law should have taken me out of my lease ) to XXXX XXXX. The property manager continued to charge me rent and charged me other fees as well. They did not repay me my security deposit either. Instead, they sold a fraudulent debt to a shady collection agency, namely Carter-Young.
Product: Credit card or prepaid card

I am an XXXX XXXX military member, and have been since XX/XX/XXXX when I entered the United States XXXX XXXX. Under the Military Lending Act ( MLA ), American Express waives annual fees for XXXX XXXX military. Three of my American Express credit cards have waived my annual fees. The fee will appear on my account, and after I call American Express they waive it by issuing a credit that effectively wipes out the fee. Recently, I was approved for the American Express XXXX XXXX XXXX XXXX which has a {$450.00} annual fee that is waived for military members just like all the others. After calling to have the annual fee waived for this card, I was told that they would process my request and, if approved, the credit would be issued 3 to 4 weeks later. This was normal, so I had nothing to worry about. After over a month of waiting, COVID-19 had swept over the country, causing delays and shutdowns for many companies. I figured American Express was just slowed down. In XXXX, I called again and they ended up submitting another request for the fee to be waived. Now it's end of XXXX, I called again several times and have spoken to multiple customer service employees at this point. Now they're saying that they won't waive the fee this year because either I wasn't XXXX XXXX until my commissioning date on XX/XX/XXXX ( which is false ) or that their records report that I wasn't in the military until XX/XX/XXXX ( which is also false ). I've had the other cards between XXXX of XXXX and XXXX of XXXX that have waived their fees for me. I really like American Express and I also have a savings account with them so I am disappointed that they're refusing to issue me a {$450.00} credit after this misunderstanding of start dates. To be clear, I entered XXXX XXXX as an XXXX XXXX cadet in XXXX, and was only commissioned as an XXXX in XXXX of XXXX. Please help me make it clear to American Express that I have been covered under MLA since I entered the United States Armed Forces.
Product: Credit card

On XX/XX/year>, I contacted XXXX. XXXX XXXX to resolve an outstanding debt. During this conversation, a representative verbally approved a settlement amount of {$690.00} to close my account. I explicitly asked multiple times whether this settlement would clear my debt entirely. Both the representative and their supervisor confirmed that it would. The payment of {$690.00} appeared on my bank statement on XX/XX/year>. I was assured that my account balance would update with XXXX by early XXXX and that I would receive both a letter and an email confirming a XXXX balance. 

As of XX/XX/year>, I have received neither the promised confirmation nor any acknowledgment of this settlement from XXXX. XXXX XXXX. 

In addition to my initial call on XX/XX/XXXX, I followed up on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, speaking with various representatives. I was repeatedly told that " the payment needs up to 30 days to reflect in their systems. '' On several of these calls, representatives claimed they could not locate the payment or showed differing account balances, such as {$1600.00}, {$2200.00}, or $ XXXX of which align with the terms of the settlement. 

Furthermore, on XX/XX/year>, I emailed XXXX. XXXX XXXX but have received no response. This lack of communication and inconsistent information directly contradicts the assurances I was given on XX/XX/XXXX. 

Adding to the issue, the XXXX credit report for this account remains inaccurate. It does not reflect the payment or updated balance. The report continues to show the remark " Consumer Disputes This Account Information, '' which I requested XXXX to remove on XX/XX/XXXX and XX/XX/year>. I was told this request would take 24 hours, but the remark remains on my report as of XX/XX/XXXX, with the disputes now marked " Closed '' without resolution. 

I am currently under contract for a home, and this unresolved issue is the sole obstacle blocking my FHA mortgage approval. XXXX. XXXX XXXX failure to honor its settlement terms, update my account, and provide promised documentation has caused significant financial and emotional hardship. This situation threatens to jeopardize my future home purchase.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I wrote to Coinbase asking access to my account after finding the message " account temporarily disabled '' when trying to login into my account. Coinbase Support responded that will contact me, and later they said that it may take 4 to 5 business days to resolve it. After that I have sent three e-mails requesting an explanation and asking to close my account and refund my funds. As of today XX/XX/2021, my account remains disabled and I haven't received answer to my three e-mails.