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

I took a look at my credit report and seen things on my file that is inaccurate and is hurting me from getting a house for my family. I would like to get this inaccurate account investigated and deleted and please show proof of how you guy investigating the information. According to us code 1681 ( a ) and ( b ). Also 15 us code 1692 according to fair credit act. Please remove this information. According to 15 us code 1601 I would like for this information be remove. This is a fraud account pro collect and also XXXX XXXX  There is also inaccurate information from from the account XXXX XXXX XXXX XXXX XXXX I never live at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX AKA XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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

I have been trying to fix my credit lately due to covid-19. All my past bill have been paid off and was trying to get everything perfect. I noticed XXXX XXXX XXXX XXXX has incorrectly reported me for being late on 2 payments from 6 years ago. Now they have reported me late for 3 payments totaling up to 90 days. They are ruining my credit report due to errors from their system. They have done this so many other people you can see the reviews on almost every site.
Product: Credit reporting or other personal consumer reports

I called Ford credit today. Talked to a nice women I believe her name was XXXX who sent an email to someone to contact me as she cant do anything else to help me with this account with Ford. 

They sent me a letter in XX/XX/2023 outlining the settlement agreement we made in court and told me once again they would report correctly to the credit bureau and I would hear from XXXX XXXX  XXXX within 30 days. I called XXXX XXXX  XXXX today who told me they have a file but it still transitioning.. 

This whole thing is a bunch of XXXX! I dont owe the money this company doesnt follow through with anything they say and Im the one getting XXXX  in every way. 

I need someone from consumer finance to act on this matter against Ford and get this off my credit. 

Copies of documents submitted in other complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a notification through XXXX XXXX ( I use them for credit monitoring ) that there was a new hard inquiry on my Equifax credit report under " XXXX/XXXX  '' dated XX/XX/2021, however I made no such inquiry. I'm not sure if this information is applicable or useful, but I would like to mention that shortly before ( less than an hour earlier ) I received the notification on the new inquiry, I made a purchase in person at a XXXX XXXX location. I have the receipt for my purchase available if this information is deemed relevant to the investigation. I ran additional reports with both XXXX  and XXXX, however this inquiry did not show up, and still does not appear on XXXX  as of XX/XX/2021. I immediately reached out to customer service at XXXX who stated that there was no such inquiry on file in their system under either my full name or SSN. With this information, I filed a dispute with Equifax directly on XX/XX/2021 only to receive information on XX/XX/2021 that the inquiry was factual and would remain on my report. I called XXXX customer service again ( I spoke with agent XXXX in the Fraud Department at XXXX on XX/XX/2021 ) to immediately verify that the inquiry was on file, and they again reported that no such inquiry existed. I also asked if any documentation could be provided stating that there was no such inquiry, but unfortunately they were unable to do so at this time. With that information, I contacted Equifax by phone around XXXX on XX/XX/2021, and representative XXXX verified that the dispute was processed as factual for the inquiry named XXXX/XXXX  dated XX/XX/2021. She directed me to file a report with the FTC for potential fraud to work towards a resolution. I appreciate all of the help both respective teams have provided thus far, and hopefully my account of the situation can move things in the proper direction.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices in violation of the FDCPA. According to 15 USC 1666b, it is a billing error that I did not receive a statement 21 days before the late payment. Additionally, if a finance charge is included, there should be no late payment fees pursuant to 15 USC 1605 ( a ), as the finance charge encompasses the sum of all charges. Therefore, I should not be penalized for a payment that has already been made in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax refuses to provide me with documents their company allegedly has on file that was used to allegedly verify the accounts i disputed. Being it has exceeded 30 days and they can not and will not verify these accounts under 611 ( 5 ) ( A ) of the FCRA. Please resolve this matter as soon as possible as it is gotten me denied credit on several occasions.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX, ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Complaint # ( 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

I had an account with XXXX that was opened in XX/XX/XXXX. The account was sent to Midland Credit Management in XX/XX/XXXX for collection. They continue to report my status as a charge off even though it was paid. In XX/XX/XXXX I had lost the information for MCM after making payment arrangements. I called XXXX to get their information and was told I could make payment through them, so even after selling the account off, they illegally took a payment from me in XXXX XXXX, thus allowing them to re-date the account on my credit report. XXXX also shows the date of 1st delinquency as XX/XX/XXXX, however, supplies no data for any month from XXXX XXXX through XXXX XXXX, other than the months in collection. Midland is reporting they received the account in XX/XX/XXXX, though XXXX shows them sending it to collections XX/XX/XXXX, thus allowing Midland to improperly report the information and further affect my credit longer. Midland also reports the account as " Paid account/was a collection account, insurance claim or government claim or was terminated for default '' in an attempt to make a lump sum status even though each of these items carry a different rating with lenders thus affecting approvals differently and they also look for liens/judgements when a debt is tied to insurance/government claims thought that is not the case. Both of these companies are unfairly trying to prolong their negative reporting has on me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED INQUIRIES I DID NOT AUTHORIZE NOR HAVE HAD ANY ACCOUNTS WITH THESE COMPANIES. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi, on XX/XX/XXXX I deposited my retirement check into citibank ATM machine around XXXX, desperately needing my money to pay past bills in the amount of {$9900.00} ATM id # XXXX, united states treasury check. Then following Thursday it was clear, so I started paying lots of my bills including my rent, around the six bill I was paying with my debit card, I started having problems paying. So I tried going online like I do it was shut down, so I called citibank they told me government check was being investigated for fraudulent looking, lol, unbelievable so they said they had to close my acct and in 45 to 60 days they would send me a check under there company name.
Product: Checking or savings account

I'm asking Chime to provide the documents used to open the account using my name without my authorization and my knowledge. The documents I'm asking for is ID, proof of address, phone number, email, tax report, etc. Also, as per statement provide by Chime, the address used is an address that I lived there until early XX/XX/XXXX. Note that the account was open on XX/XX/XXXX. 

BY LAW TO OPEN AN ACCOUNT MUST BE PROVIDE A VALID ID, SSN, PROOF OF ADDRESS, .... 

Chime must provide HOW obtain fraudulent my information and provide the DOCUMENTS used to open the account. Chime and their banks partner must follow the law. 

The company Chime responded with a generic response without saying anything. 
Chime must be responsible for the accounts opened, as per law, to open checking account they obtain a valid ID, SSN, proof of address, etc. 

I want to know how Chime obtain my information without my authorization. Since I never ever had any contact with Chime. 

Also, in one of the emails the Chime sent to me when I asked the documents, contains the statement of other Chime 's client, showing that Chime does not have any control, did not complain with the law and does not protect the client 's sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSES TO VALIDATE AND REMOVE AN INCORRECT REPORTING BY XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , MD. XXXX.
Product: Money transfer, virtual currency, or money service

Venmo deactivated my account on XX/XX/XXXX  they didnt tell me the specific violation against their agreement terms that I violated I asked and requested this information numerous times .. venmo wont allow me access to the funds that are in my deactivated account they wont release these funds to me or let me withdraw my money to my bank account this money is not fraudulent at all the money is rightfully mines, I have won this money from XXXX XXXX and XXXX, XXXX app Venmo only said I violated there terms and agreement that does not give Venmo the right to keep me from accessing the money thats verified and not fraudulent I demand Venmo to give me access to my money immediately .. Venmo has denied me access to my money for 180 days and this will put me in a financial crisis and I will lose my job and my home is I cant access and withdraw this money from my deactivated Venmo account asap.. I request Venmo to unfreeze my account so I can withdraw my money thats rightfully mines
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Acima XXXX FKA Simple regarding an account that is listed on my credit report that was opened fraudulently. Account number XXXX original balance XXXX. I have advised Acima that this account was opened fraudulently and have requested a deletion off my credit report. I explained that an ex roommate XXXX XXXX stole my information and opened this account. She had access to all my personal information, drivers license ect. I have filed a FTC report regarding this issue. I have not heard anything back from Acima regarding this issue. 

Your assistance is greatly appreciated regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from Mariner Finance in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the Mariner Finance homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, Mariner Finance only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.
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 Account XXXX Account Name : TARGET/TD Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Debt collection

I had multiple ( XXXX total ) fraudulent charges on Paypal account from XX/XX/XXXX- XX/XX/XXXX, who is associated with XXXX XXXX. I disputed the charges and the outcome was in my favor in XXXX, XXXX. However, in XX/XX/XXXX, XXXX XXXX  reposted XXXX of charges removed because their system detected it was a duplicate credit. I've spoken to multiple people at XXXX XXXX  and Paypal to have the charge removed. Both companies are in agreement that the charge is not correct and it was sent to their disputes department to re-open the case to have it removed. I have repeatedly asked for proof that the dispute was re-opened to no avail. I have repeatedly asked for the charge to be removed as it would follow normal protocol of a dispute case until the investigation comes to a resolution to no avail. I have spent over XXXX hours on the phone between XXXX XXXX  and Paypal to no avail to get this resolved. It appears to me XXXX XXXX  is trying to raise money by charging their customers fraudulent charges in effort to collect money that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage service provider-Carrington Mortgage Services- sent incorrect information about the standard of the loan and reported to the XXXX XXXXXXXX XXXX ( XXXX ) to further damage my credit with the credit Reporting agencies. 
They assumed that since FEMA declared the zone in a Natural Disaster Area, I did not pay my mortgage installments, something which is not true. 
I paid my mortgage on time and despite of this, they reported to credit agencies like XXXX, XXXX XXXX and XXXX. 
When I tried to buy a car, the operation didnt get through because their false report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EQUIFAX.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion/XXXX after I purchased a credit report with XXXX  on XX/XX/2022, After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous reporting on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2022 I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX  XXXX Balance : {$27000.00} Late payment status late will be fixed.
Product: Payday loan, title loan, personal loan, or advance loan

misleading interest rate and fees, I was never told that the interest was going to be adding up daily which means for a {$5000.00} loan I will have paid {$15000.00} at the end of the term. I was told on a recorded call that my interest rate would be 9.9 % not 99 % daily. I called an complained and their response was well you signed the papers. I then ask to have the interest reduced because at this point I had paid the loan already within one year but I was required to pay for two more years and that is exploitation, and gauging prices, There has to be something illegal about this. I can agree to maybe {$7500.00} total pay-out on a {$5000.00} loan but to pay three times is absolutely absurd. This is robbery.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  using account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

Below is the letter I sent to my bank, ETrade. I have received no response. 


E*Trade Customer Service , I was a victim of a condo rental scam in XXXX. After making a {$600.00} deposit to secure the rental for a business trip, I was pressured to deviate from the agreement and pay the entire balance ( {$1200.00} ) before checking-in. The landlord aggressively attempted to collect an additional {$400.00} ( see text messages PDF ), but I refused because it was not a part of the agreement ( see email PDF ). The text messages from the landlord were suspicious and confusing. I chose to cancel the reservation. 

I made several attempts to get a refund by calling him, but he did not answer nor return my calls. I spoke to the front desk staff where the condo unit was located but they had no record of my reservation. I made the deposit via XXXX XXXX  but unfortunately after a formal inquiry, the XXXX support team could not reverse or refund the payment that I made ( see inquiry PDF ). I notified the law enforcement authorities in XXXX ( where the condo was located ) but beyond that, there was nothing more they could do. 

Im writing because Ive had several conversations with customer services representatives at E*Trade. I was promised that I would receive an e-mail or form in the mail that I would fill-out and forward back to start the investigation. Ive waited for months and still have not received anything. 

This is my final attempt at resolving this issue before I file a complaint with the FDIC. I also have been waiting months for a replacement debit card ( account ending in XXXX ). Every time I speak to a representative, I receive the same response were very sorry and/or well send it in the mail right away. Each time I would get a different timeframe on when I should expect a letter from them ( i.e. 7-10 days, or 10-20 days, or 3-5 days ). I have been an account holder for many years and this awful display of customer service and lack of integrity/responsiveness is deeply disappointing, unprofessional, and simply unacceptable.
Product: Debt collection

This judgment was filed in XX/XX/2000 in XXXX County . I thought federal prohibits someone from collecting debt this old. I do n't know what this alleged debt refers to. It is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do n't even know if they still are in in business anymore. It has been XXXX years. This law firm should be sanctioned under unfair trade and collection procedures.