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

This credit reporting agency continues to report adverse information on my credit report without my consent. I have requested several times from the Credit report agency to remove un-verifiable information from my report. They have not complied to my demands or provided proof that the information was verified. Which is a violation of my consumer rights. I am asking for the help of the CFPB to assist me with this credit reporting agency as they are willfully not complying and violating several Federal consumer laws with no consequence and negating proper compliance investigative procedures when a CFBP complaint is filed by simply closing my complaint by stating we will mail you the results. CFBP stop allowing this credit reporting agency get away with this. There no compliance has caused me great hardship and I need your assistance immediately to ensure they comply and follow federal consumer laws. I request they provide proof of evidence via CFBP immediately!
Product: Debt collection

I had an old payflow account that was activated in XX/XX/XXXX for use again with eBay. It was not until XXXX XXXX, 2015 that I was shocked to see an invoice for a bill of {$100.00}. I was able to call in today XXXX XXXX, 2015 to inquire about the bill since I never used the account since activation nor was I notified of anything owed at the time of reactivation. I do not believe I owe any charges from the past nor do I consent to any unauthorized charges.
Product: Debt collection

XXXX XXXX has a negative item on my credit report from XXXX XXXX. I have had a prepaid account with XXXX since XXXX. My phone number is XXXX, the password for the account is XXXX. They just wrongfully charged my prepaid account recently ( XX/XX/XXXX ) and I was communicating with them about their mistake. They refused to write me a letter because it's a prepaid account. I buy their prepaid cards and load them on the XXXX app to pay for my prepaid service every month. For the month of XXXX, they charged my bank account while I had already paid using their prepaid card and app. I called them to have the charge removed from my bank account and I needed a letter for my bank to remove the overdrawn fee. XXXX refused to write a letter but they did refund my bank account and then properly charged me through their app with the prepaid card. Luckily my bank removed the overdrawn fee without a letter At any rate, This is exactly what XXXX did to me back in XX/XX/XXXX. They charged my bank even though I had paid for their services with their prepaid card and app. I have repeatedlly tried to resolve this issue with XXXX. They agree argue with me that it's a prepaid account and I that do not owe them. However ; They tell Experian that they turned the account over to collections. They double charged me and they will not resolve their issue thus having a negative account showing on my credit report for two plus years now with them. 
I want and need this resolved. XXXX says I do not owe them. When I try to fix it with the credit reporting agencies, I get the run around by both XXXX and Experian. Nobody at XXXX will remove the inaccurate item. Experian will not follow through with the information I have given them to remove the item through their dispute center so this complaint is against XXXX XXXX and Experian for ignoring and denying me repeatedly. Please be clear that Experian is a credit reporting agency and not a debt collector.
Product: Credit reporting or other personal consumer reports

XX/XX/23 I SENT LETTER REQUESTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XX/XX/23 I SENT LETTER REQUESTING I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 


ON XX/XX/23 I SENT LETTER REQUESTING This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately XX/XX/23 This account was charged off and I no longer owe money to this creditor but its still showing a balance due. FROM XX/XX/23 TO CURRENT THE CREDITOR FAILED TO UPDATE THE COMMENT SECTION THAT THEY DID AN INVESTIGATION. THE CREDITOR FAILED TO UPDATE THE REQUESTED INFORMATION REGARDING MY DISPUTE, THE BUREU FAILED TO DO A INVESTIGATION.
Product: Mortgage

I was a couple payments behind and put in for a loan modification and they approved but the wanted to add another 30 years to the MORTGAGE .I have been making payments for the last 7 months and in XXXX they sent my payment back and had to put in for another loan modification. They also are putting anything toward principle. and saying I owe over 9,000.On there statement they have something saying prepaid principle over 7,000. So I have been making payments and there saying I haven't
Product: Bank account or service

I closed my account with Capital One on XXXX XXXX, 2016 due to fraud activity and overall dissatisfaction with banking services. Since that date, the account was reopened without my knowledge, and several amounts of money were able to be withdrawn ( student loans, phone bill, cable and internet bill, store credit cards ) without my knowledge. I already made all of these payments with my new bank account causing double payments, and these transactions were putting my account in a negative balance when it was supposed to be closed. I have had to endure late payment fees, returned payment fees, and daily phone calls to companies, taking away from my personal and work time. I also spent 2 hours in a branch to be told that a bank manager had " no idea how to return money to a closed account. '' This was followed by a representative on the phone asking for her manager, and the manager also telling me, " I 'm not sure if I can put funds back in a closed account but I can research it for you. '' I was also charged a minimum balance fee for a closed account and am being told I can not get a refund of my own money because the account is closed and managers are not sure how to put the money back. My biggest issue currently is that I paid XXXX XXXX where the payment was unsuccessful and I was supposed to be notified by Capital One that the funds were released back to the bank so I could use the money to repay the violations. However, I received no notification and am now being charged a late fee of {$10.00} per ticket as well as a {$3.00} service fee for both transactions. I now have to dispute these charges totaling {$26.00} with a judge, when this could have all been avoided if the bank had better communication and did not allow my account to be reopened without my knowledge. I ultimately closed this account twice, because of how easy it is for unauthorized transactions to take place on a Capital One checking account and how lightly it is taken by the bank.
Product: Debt collection

After recently signing up for " XXXX XXXX '' to try and improve my credit score ; I noticed an unfamiliar debt ; that had entered into collections. Note ; at first I assumed it was an old debt of mine, as I did have a XXXX XXXXXXXX card, back in XXXX ( closed by XXXX ). 

The collection agency sent me " validation of debt '' paperwork including an account statement ; the statement did not refer to my full legal name, and was using an address I had not lived at in over 5 years. 

I recently was rejected by a bank for a loan, and she said this collection was the sole reason ; and I needed to deal with it. 

I have tried several things to get them to REMOVE THIS INVALID DEBT ; thus far to NO avail. 

I did not authorize, receive, utilize or have knowledge of this account. 

Best Regards, XXXX XXXX
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

Sent money through XXXX and it got lost in cyber space
Product: Credit card or prepaid card

Up until XX/XX/XXXX statement, my interest rate was 16.49 %. XXXX statement it was increased to 16.99 %. XXXX statement it was increased to 17.74 %. 

On XX/XX/XXXX, I called Chase to complain that my interest rate had been increased without notice to me. They stated that they didn't even see my rate at 17.74 % and they showed it was even 18.49 %. I was transferred to a XXXX, XXXX. She said a letter was sent to me on XX/XX/XXXX that was mailed separately from my bill. She was going to have this re-sent to me. I also closed the account on this date. On XX/XX/XXXX, I received an email stating I had a letter, but when I went to my account online, there was no letter. 

The XXXX statement did show an increased interest rate again of 18.49 %. XXXX statement showed another increase of 19.24 %- on a CLOSED account! I also closed it when the last statement was at 17.74 %. 

On XX/XX/XXXX I called Chase again to inform them of this. It was confirmed that the account was closed on XXXX. I was also told that they have no control over XXXX, that I wasn't allowed the contact information for the department that is, and that the XXXX is subject to review XXXX time every 6 months. I requested all correspondence to be re-sent to me from the past year but they said they couldn't do that. She would request the last letter to be re-sent to me again. I received that in the mail, dated XXXX but with no explanation as to why they are continuing to increase my interest rate, nor did they send me proof of having ever given me a 30 day notice. In fact, my XXXX statement shows another increase to 19.99 % interest!
Product: Student loan

I applied for a XXXX loan with XXXX XXXX XXXX the information that was given to me during the process of getting the admission and the process of the XXXX conflict and am not able go through with the classes after attending a couple and my XXXX XXXX was not always available when am there for my training. Major issues was his time and was told my classes was going to be online because I work but that was not so, and the training was not going like I expected and I reached out to the XXXXXXXX  last year in XXXX and was told they will reach to me and I have not heard anything from them till this moment.
Product: Checking or savings account

They gave no indication of sending to the wrong person and there no way of getting it back
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies in the payment summary and account balances reported by XXXX Bank on XXXX accounts, XXXX and XXXX. 

The payment history incorrectly indicates discrepancies in late payments. 
The reported balance does not match my records. 
I have contacted XXXX to investigate and request the removal of the account if inaccuracies are confirmed. I seek your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bueros to do a verification on my credit report and they stated they did and everything was accurate. I also did thorough research as well and found improper inaccuracies on my credit report even after they did their verification and stated everything was accurate. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, these companies have violated my rights. 
15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1691 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX  and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two loans that do not belong to me they are not mine I have not signed for these and i should not be paying for it my credit is going to waste because of this I have tried reaching out to the bureaus and the furnisher but they are not helping me. 

XXXX - Acct # XXXX Amt {$27000.00} XXXX  - Acct # XXXX Amt {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX over and over again at the end of XXXX and now going into XX/XX/XXXX on the same matter- all collection accounts are paid, credit cards on a monthly basis are paid in full and I still get a poor credit score claiming the following reasons reported to credit wise : medical debt? - never had medical debt on my credit report, oldest credit card is 17 years old? - not sure why this would be up there? credit usage - again paid off 100 % at the end of the month when due to score points/dollars according to the credit card I signed up for. 

XXXX XXXX continues to score me at below average on credit used, recent inquires? new accounts? and available credit average. 

Not only did I get a recent credit report that cut off 10 pages of data, but the claim in their letter to me they take matters like mine serious ; y. REALLY???? 

If you have them pull a credit report and send me again, it will be riddled with errors and continue to keep my credit score at an all time low. 

I have been working on this since XXXX, reviewed my credit with an attorney who advised me what to do, and still they are not taking action to clean this up and move forward. 

They are causing me to hold off in getting a mortgage, qualify for poor interest rates on car loans, etc. 

At this point, I would like to have XXXX XXXX compensate me for all the troubles with them in the last 7 years.
Product: Payday loan, title loan, or personal loan

Around XX/XX/22 I reached out to Zip Co ( Quadpay ) via the chat feature on their website to stop making attempts at debiting my credit card on file. I received no response. On XX/XX/22 I called the customer service number at ( XXXX ) XXXX to revoke authorization for them to debit my card on file. I spoke with XXXX  in their overseas office who told me she could not stop debiting my card, I asked to speak with a supervisor and she hung up on me. I called back and got XXXX  in the overseas office, I explained that I had just gotten hung up on and told him I needed to stop the auto debits. XXXX  argued with me, told me there was nothing no one could do, I begged for a supervisor and XXXX  hung up. I called back, XXXX  answered and recognized my voice and hung up on me again. I called back, spoke with supervisor XXXX  in the overseas office who was nice, but also stated she can not stop the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX CREDIT PLUS add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I have reached out to have negative remarks removed from my credit report. There is a remark on my credit reports showing from XXXX, XXXX XXXX, and XXXX. I need these negative remarks moved showing XXXX  XXXX XXXX that is noted on these accounts. There isn't a bankruptcy reported on my credit report. I called in to the credit bureau today XX/XX/2023 letting them know that it needs to be removed and I was informed that the courts do not report to the credit bureau nor should the bankruptcy be listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their license is expired in XXXX XXXX XXXX, Utah and they 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Expired Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX
Product: Debt collection

I received a collection letter from XXXX XXXX XXXX in regard to a debt that is owed to Bank of America. The debt does not belong to me. I called the company and the representative stated that she needed my social security number to look up the account. I refused and let her know that if the debt belonged to me she could look it up by name or address but she refused. This collection debt is not on any of my credit reports and I have never owned a Bank of America account. The collection letter is dated for XX/XX/2019 for an amount of {$9800.00}. Reference ID on the statement is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$2100.00}, {$10000.00}, {$39000.00}, {$10000.00}, {$27000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account
Product: Debt collection

I received notice from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  dated   XXXX   XXXX   XXXX   ), stating that Barclays Bank Delaware had referred my account to them for collection. The letter stated the amount owed and where payments could be made.   I sent out a letter on   XXXX   XXXX   XXXX     ( Certified Return Receipt ) to the Law Firm stating that I was willing to make payments on this account. The letter was received at the  P.O. Box  address provided on   XXXX   XXXX   XXXX     at   XXXX   XXXX  . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website on   XXXX   XXXX   XXXX     and no response was ever provided.  <P/> On Saturday,   XXXX   XXXX   XXXX     I receive a notice in the mail from  XXXX   XXXX   XXXX ,  XXXX  stating that it had come to their attention that a civil suit has been filed against me in  XXXX   XXXX   XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me.  <P/> This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX ATTN : Complaints RE : Formal Complaint XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX XXXX, Michigan XXXX ( XXXX ) XXXX / < XXXX > TO : Experian I am writing to dispute ( 2 ) items on my credit report. XXXX XXXX XXXX ( XXXX  XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to XXXX XXXX, XXXX XXXX XXXX ( XXXX  XXXX ) is reporting that the account was opened on XX/XX/XXXX. I have enclosed a copy of the card and page 4 from my XXXX XXXX credit report which proves the account was opened on XX/XX/XXXX - - - not XX/XX/XXXX. 
Also according to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that the account was opened on XX/XX/XXXX. My XXXX XXXX credit report indicates that the account was placed for collections by XXXX XXXX on XX/XX/XXXX. I have enclosed page 5 from the XXXX XXXX credit report as proof the XX/XX/XXXX date is an error. I believe this account was opened in XXXX, however the credit report doesnt say. 


Respectfully, XXXX XXXX