23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had several XXXX  XXXX  accounts with XXXX. One of the accounts had a credit limit of {$200.00}. I opened this account in XXXX of XXXX and I paid this account in full XXXX of XXXX. Instead of the Credit Reporting Agencies stating on my consumer report the account is paid in full an in good standing, it's states it's included in a bankruptcy and has been charged off. I've requested that this account be investigated and corrected in the past, but it remained the same. My last name was XXXX when I opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX ). 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023, my email account was taken over/hijacked, I was locked out, and unable to get back into my account for several days until XX/XX/2023. Somebody logged into XXXX, XXXX, and CashApp, with my email after they unlawfully took over my email. During this time, cash app, XXXX and XXXX we're all compromised. Fortunately, I was able to file the complaint with XXXX and XXXX to recover those funds, and CashApp is the only one I have had issues with regarding my dispute. On XX/XX/2023 I reported this issue with XXXX XXXX, my financial institution who closed my Bank Account without notice, after stating that they were only going to reissue me a new debit card since my account number was NOT compromised. 

In the Denial of Fraudulent activity, I'm not sure how the two page document substantiates that it was a " valid transaction ''. I disputed several transactions and on the basis that I didn't dispute one ( 1 ) transaction doesn't invalidate the claim of fraud taken on that account, it means the dispute should be expanded to include that amount. Furthermore, CashApp stated that I only disputed a charge of {$300.00} which is a combination of the {$6.00} fee CashApp charged me and the {$290.00} transaction ( hence both transactions were disputed ). CashApp automatically declined several of other transactions that were attempted, so even the CashApp system flagged what was occurring as suspicious and fraudulent. 

Furthermore, CashApp stated and XXXX XXXX used in their determination, that 10 undisputed transactions went through despite the fact that CashApp declined, eight attempted transfers because their system detected the requests as being fraudulent. So there were only two charges which are both fraudulent. As shown on my claim, with XXXX XXXX and CashApp, I disputed the {$290.00} charge and the {$6.00} charge. I didn't need to dispute the eight additional charges on CashApp because their system detected it was fraudulent activity and didn't allow the transactions to go through ( hence there was nothing to dispute ). 

As you can see in the attached activity log from CashApp, The transactions clearly reflect as " failed '', and " Cancelled '' We're done by CashApp as they were reflected as fraudulent by their automated system. So clearly their system was detecting this was fraudulent, as can be shown by two examples of the charges that were failed and the reason being " The transaction was canceled for your protection ''. 

The amount of {$6.00} + {$290.00} was disputed as reflected on my claim, and I would imagine the IP address would be the same because it was the same person performing the fraudulent activity using my email account. 

How exactly can they claim I was the sender of the funds and the recipient of the funds when Cash app doesn't allow you to send money to yourself? 

Furthermore, how can the reason for the denial being that I allegedly received or am in possession of alleged merchandise? 

I was robbed and didn't receive anything, can they provide tracking if I had supposedly " received '' merchandise? 

What exactly did I receive?
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXF XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link.

1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide XXXX. 
2. I tried again and filled out everything, clicked submit, and was a message from Trans Union saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.
Product: Credit card or prepaid card

Hello I was using a credit card with Capitol one. They are charging me {$470.00} for XXXX XXXX XXXX  that I did not book nor ever rented with XXXX  in my life. If they call XXXX  they would be able to tell them the same thing. This was posted on XX/XX/2021. This was on the transaction XXXX*XXXX  XXXX  XXXX My name is XXXX XXXX my email is XXXX. I wrote them to let them know this was not me and please look into this matter. They decided to close my account without reason. I am no being charged interest and late fees for a charge I did not do. All someone has to do is look in this matter to see its fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. TransUnion and XXXX   both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Have two loans where XXXX XXXX XXXX is the servicer. They have lost a {$4500.00} check for which I have the cancelled check. Secondly, on another check, they have applied the full {$4500.00} check to one loan as a principal reduction. As such, they show me as up to 60 days delinquent for now 3 months. I have waited for hours to talk to service people and they can see the problem and say they will address. I have sent them copies of all cancelled checks and have heard nothing. I have called again today ( from work ) and have left a number for them to call me, and two hours later, I have not heard from them. They have significantly impacted my credit score to the point where I can not obtain refinancing. 

I am writing letters to their head office but can't find anybody to address it to. I can only say that this is a fraud. I strongly suggest that nobody should accept XXXX as their loan servicer.
Product: Debt collection

A new acct showed up on my credit report from XXXX XXXX, the Army Airforce Exchange service. I am not eligible for an acct from them as I am not a retired veteran. I disputed the new acct with the credit agency and it was removed. I thought the matter settled until I received a notice from a collection agency, XXXX XXXX XXXX, trying to collect a debt that I had no information on. The materials supplied by the collection agency is not legible and contains no information on the debt other than charge amounts and interest applied to the acct. No information on when the acct was opened, or what personal information used to open the acct. No acct. number, no information on what was purchased nor where it was shipped to. I have asked for all pertinent information but only received back what was sent previous. I contacted AAES directly but still was shuffled back to the collection agency. I was told to file a police report but am not able as I am working out of state and have no information to complete a report. I just this week received a notice from XXXX they intend filing wage garnishment against me.
Product: Student loan

I had ~ {$250000.00} in XXXX debt and enrolled in the PLSF program in XX/XX/XXXX ( accepted in XX/XX/XXXX/XX/XX/XXXX ). Once accepted, I was required to transfer my loans from my XXXX XXXX Servicer to FedLoan Servicer. 
XX/XX/2016 - Loans transferred from XXXX XXXX to FedLoan XX/XX/XXXX/XX/XX/2016 - Not all loans were transferred, error on part of FedLoan. Made request for remaining loans at XXXX XXXX to be transferred which took 6 weeks XX/XX/2016 - Advised that loans could not be forgiven unless converted to " direct '' loans. Only XXXX of my XXXX were direct loans. 
XX/XX/XXXX - Consolidation loan request form submitted for XXXX loans to be consolidated into direct loans. Six weeks later, XXXX of the requested loans were consolidated appropriately, XXXX loans were not consolidated as requested and XXXX of my already direct loans were consolidated in error by FedLoan ( without request for consolidation on forms submitted ) XX/XX/XXXX - Multiple calls regarding incorrectly consolidated loans. At this time total loan amount had increased by {$10000.00} without record documenting how. Told by customer service request to review submitted, would take & gt ; XXXX weeks for someone to review complaint because " this is the government '' XX/XX/2016 - Spoke with manager who reassured increase in loan amount was correct but no paper record could be provided. He would expedite direct consolidation reversal and consolidation of loans remaining from initial request in XX/XX/XXXX. Imperative that direct loans incorrectly consolidated be reversed to receive credit toward loan forgiveness for payments already made XX/XX/2016 - Direct loan consolidation reversed but XXXX loans still awaiting consolidation. Multiple calls - now XXXX of these XXXX loans are consolidated XX/XX/2016 - " Consolidation complete '' letter despite XXXX loan still not being consolidated. 
XX/XX/2016 - Delinquent bill appears on account - amount taken out of my checking account but not applied to loans on FedLoan 's end Over this time period my loan amount has risen by {$50000.00} without documentation of how. Please help. When speaking with FedLoan consolidation experts they will " submit a complaint '' but can not provide any immediate answers or assistance.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023, an unauthorized hard inquiry was made by XXXX XXXX XXXX on my Consumer credit report. I first called the contact number associated with XXXX XXXX XXXX who told me that it was not in fact them, but another company under them and gave me another contact number. When calling the second company, the phone was answered by someone who didn't and wouldn't introduce themselves properly for me to know if I was even calling the right business. Demanded to know my name and that someone would call me back. I was then called by agent XXXX who insisted that he had no control over removing the hard inquiry when in fact, Experian told me as the creditor they do have control. After, I called Experian back to dispute the fraudulent activity, I was told the inquiry would be removed within XXXX hours. Not even XXXX hours and Experian has closed the dispute without fair resolution, with the unjust inquiry remaining on my report. In addition, I did not give Experian permission to furnish this information on to my report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( XXXX XXXX, am into XXXX XXXX and I guide and teaches people on how to do and solve problem relating to XXXX XXXX and I also sell XXXX on how to XXXX XXXX XXXX XXXX  using extruder ) since XXXX XXXX, XXXX  My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX.
Product: Student loan

I ca n't get Navient to answer any questions. I asked for the income based repayment plan and they wo n't return my phone calls. They even hang up on me. When they do take my calls they tell me to just do forebearance. I want the income repayment plan or " get a better job ''
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$6700.00}XX/XX/XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance XXXX : {$0.00} XX/XX/XXXX XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report, I found this item reporting negatively an account that I have never applied for. In my recent letter I mentioned that I want you to send to me a proof or documentation bearing my signature that I have legal binding agreement to pay your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

i purchased a vehicle from XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Identification # XXXX, when i purchased this vehicle one of the things that was promised to me is that this will not reflect on my credit report since at the time the company did not report to the credit bureau, since i was working with a co to repair my credit, it was important to me that this did not show in my credit report. my payment amount was {$370.00} and i always made a payment of {$400.00}, on XX/XX/XXXX of XXXX my wife was involved in a card accident and the vehicle deem a total loss XXXX claim # XXXX XXXX XXXX XXXX was and still my current insurance co, the adjuster for this claim was XXXX XXXX XXXX, at the time of the accident my account was current, therefore any contractual payment 's after the accident should had not been listed as delinquent, XXXX XXXX  was notify and they where listed as lien holder. XXXX started reporting to the credit Bureau on XX/XX/XXXX of XXXX, reporting my account over 120 days delinquent and reporting me Retroactive, the wrong amount was listed, show me delinquent, and they reporting me retroactive, my loan was purchased 15 month 's prior to then beginning reporting to the credit b.
Product: Money transfer, virtual currency, or money service

RobinHood sold all my stocks without my permission in the morning XXXX XXXX. And now my money is stuck in my RobinHood account and I can't withdraw my money to my own bank account. I can see that my money ( around $ XXXX ) is in my RobinHood account. But when I try to withdraw my money, I just get an error message. RobinHood restricts me from withdrawal without explanation. I contacted RobinHood about why I couldn't get back my money and what they told me was that they can't support me as a client any more, refuse to offer me any explanation. They now dont answer my phone call, either.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company hasnt verified or validated any contract with me or this company CREDIT CONTROL CORP. I have no alliance or knowledge of this company which seems to be a third party agency that I didnt authorize of any of my medical info including bills etc which is protected by HIPPA this company is misleading CFPB and contradicts their last response. They havent verified anything in regards of this debt or disclosed any contracts with them directly and for its perjury. I challenge this company to disclosed any signed documents/agreements with me and this company to the CFPB and myself. If they dont I will seek legal litigation and will be compensated damages for violating my rights. This never even updated the status as an dispute with the bureaus before which is illegal and i have evidence. They need to stop reporting debt to the bureaus remove reports cease and desist. I WILL NOT SHARE COMMUNICATE or AGREE TO ANYTHING with this company that I have no contracts with. I will take legal actions if they keep using antics and committing perjury
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XX/XX/XXXX
Product: Debt collection

Ive tried canceling with XXXX XXXX since XX/XX/2021. Ive tried online on the website. Tried calling and emailing them as well. They have made it extremely difficult to cancel a simple membership. Its almost impossible to cancel. I still do not know how the cancellation process works since I tried the XXXX methods ( website, calling, emailing ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # # # # # # # # # # # # XXXX, XXXXAccount # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT # 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 instruction.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX