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

Hello, I reached out to XXXX in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, one being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.
Product: Credit reporting or other personal consumer reports

I am submitting another Complaint to demand that you remove the fraudulent items off of my Credit FIle. I have been disputing fraudulent items on my credit report for some time now, but despite my best efforts, the credit bureaus have failed to address my concerns. I have sent multiple dispute letters and have made numerous phone calls, but to no avail. As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit. I am demanding the deletion of the following items off of my Credit FIle : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX charge off XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. Some applied for a personal loan using my social security number with the company XXXX XXXX XXXX XXXX. The loan was declared fraud but an inquiry was still put on my TransUnion credit report. I was sent a deletion letter by XXXX that I sent to TransUnion along with a letter that I wrote asking them to remove the inquiry because it was fraud. The inquiry has not been removed from my TransUnion credit report yet.
Product: Debt collection

Got in a car accident XX/XX/XXXX which resulted in taking the XXXX vehicle to the hospital Fast forwarding to XX/XX/XXXX the amount was paid by the settlement for the amount of {$670.00} which can be attached to this complaint. The amount was removed from one of the three bureaus but not the others.
Product: Checking or savings account

I received a check for {$2900.00} last Friday, XX/XX/20 and I deposited it. I called the bank ( B of A ) on Saturday and asked if the check had cleared. I was told yes. I asked if I could use those funds. I was told yes. On Monday the bank tried to get their money from the other bank and was told the check was fraudulent. They then debited my account for {$2900.00} and charged me for a returned item. If I had been told the whole truth by the bank, I would have waited for several days. I was not. I did exactly what the bank told me and now they say they have no responsibility. I disagree, I have called a customer rep, chatted with them, and went to a branch where I was thrown out when I complained.
Product: Credit reporting

There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that XXXX. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX XXXX XXXX ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX XXXX and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX XXXX Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.
Product: Checking or savings account

I have been getting charged {$26.00} from XXXX every month for years now. They are charging me and I don't receive any services from them. I called and they cant find my account, but on my citibank checking account bank statement every month i'm being charged the {$26.00}. I am XXXX years old and living on fixed income, these charges are effecting my life.I am not covered by XXXX and despite my attempts I am never able to get stop these charges as they claim they can not find my account, but clearly they are still charging me every month. They sent me a policy tracker I mailed it out and never received a response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:35as untair ana deceptive, as they CiA for '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

My Daughter, XXXX XXXX, visited XXXX XXXX ( Part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for routine vaccinations. She had XXXX XXXX XXXX XXXX XXXX at the time. There was a coding error between the doctor 's office and the insurance company which denied coverage for 2 vaccines ( {$150.00} and {$240.00} ). I started receiving bills from XXXX for {$390.00}. I discovered the coding issue and it was resolved in XX/XX/XXXX. At that time XXXX XXXX paid for the service. But I continued to receive bills for {$390.00} from XXXX. Every month I would receive a bill and every month I would call them and challenge it and tell them that they had been paid. I sent them the XXXX XXXX statement monthly to prove it was paid. But I still receive bills from them monthly. XXXX has now taken the step of referring me to a collection agency for a bill i do NOT OWE! I am at a complete loss as to what to do. I am stuck in a vortex of incompetence with XXXX billing department. 

The attached documents show the bills from XXXX and the Collection agency with the description of charges ( Vaccines for {$150.00} and {$240.00} ) I also attached the XXXX XXXX statement that clearly shows on page 2 that these services have been paid. 

Please make XXXX stop sending me these bills. Please try and reverse the damage a Collection Agency can have on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Identity theft to the following credit bureaus XXXX and Experian. I supplied them with Proper documentation and the law stating that FCRA 605B ( 15 U.S.C. & 1681 c-2 ) that items must be removed with 4 business days of receiving. These companies are refusing to remove and block the information. Which is clear Violation of the LAW.
Product: Debt collection

On XX/XX/2023, Americollect said, " Americollect believes that its information is accurate. '' I know that the information provided by Americollect is inaccurate. The addresses are inaccurate, I did not receive medical attention in XXXX, Wisconsin. Furthermore, the debt amount that Americollect seeks is inaccurate. Enclosed is the documents showing discrepancies. 

Americollect sent an itemize statement with a total balance due {$1500.00}. 
XXXX XXXX shows the total amount of {$1300.00}. 
The account number is XXXX. 
It seems as Americollect added interest to a medical bill. 

The other medical debt that Americollect reported is inaccurate as well. 

The Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from people, including : Misrepresenting the nature of the debt, including the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ), Transunion must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX  XXXX
Product: Credit reporting

I have tried for at least 6 months to get items that are incorrect and or not mine removed and Experian/XXXX seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

We files for a forbearance 3 different times and waited for approval and called and emailed numerous times with no calls or emails returned. We waited for an answer for the forbearance finally got word in XXXX. The mortgage company told no negative would be reported. During XXXX we reached out to them seeking help and not knowing what was going on with the forbearance application for the 3rd time. They reported us late for XXXX, XXXX and XXXX before the month was even up on the XXXX of XXXX, 2020. We have contacted Experian many times and no resolve.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : DEPT OF ED/XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Bank account or service

Capital One lied to me about being able to receive a letter from them, I had asked for a letter back in XXXX but I kept getting misinformation from them. I was told they were unable to send me anything due to legal requirements. I was able to get what I asked on XXXX XXXX via fedex which they claim they ca n't do. I faxed over documents to them on XXXX/XXXX/16 because due to their misinformation, I had a bank line of credit defaulted which means this will go on my credit report. They required a letter on Capital One 's letterhead which I notified them of. I am entitled back fees due to misinformation and lies of {$1000.00}, this will pay off my line of credit and plus any late fees that I had due to this. I have called numerous times on and I have not received a response from the company on this. Capital One could have sent me what I needed months ago but kept giving me brush off.
Product: Checking or savings account

XX/XX/XXXX, I reported to PNC BANK that my card was stolen and promptly canceled it, however I had already been charged with {$770.00} worth of deviant transactions. The bank issued me provisional credit equivalent to the amount stated pending investigation, however it appears that I have been found guilty of the thief 's transactions as the credit has been removed from my account and I will now have to bear the responsibility of this fraud. What's more, I reported these transactions while they were STILL PENDING, they told me that they couldn't cancel the charges OR dispute them until my money had " gone through. '' I find this very strange considering they could have saved my money and my time right then and there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called this company numerous times. They have affirmed that they will remove the negative information as my acount XXXX XXXX XXXX XXXX  ( XXXX ) was paid in full on XXXX and XXXX of XXXX. They send me a letter stating that a letter was send to all bureaus to have this corrected. However, its XX/XX/. My credit has been affected drastically by an account that should be reporting positive. I will upload the letter and proof of a check they send me as when I paid the full amount there was a change of XXXX XXXX. Please remove XXXX and XXXX late payments. As there was never a late payment as the acount was already closed. I decided to pay the charge off and it looks like it has affected me worst. Please fix this immediately
Product: Checking or savings account

approximately XXXX i was notified that my brokerage suspended my account due to suspicious activity and was asked to answer questions and submit documentation. i answered their questions and submitted a copy of my DL as well as selfies. they told me they would review my info and contact me by XXXX. still very confused on why this was happening because i monitor my accounts religiously, on XXXX i called to speak with someone. i was told they needed more info and asked for a bank statement from XXXX  XXXX  ( an unrelated entity ). again confused, i refused to send them my info because they couldnt explain why they needed it considering this bank has nothing to do with XXXX outside of me transferring funds. they again said their review team would get back to me by XXXX. on XXXX the message changed to theyll finish the review by XXXX ; then XXXX ; then XX/XX/XXXX ; then XX/XX/XXXX ; and now XX/XX/XXXX. i would also like to mention that approximately XXXX i went ahead and sent them my banking statement from XXXX  XXXX. THEY STILL HAVE MH ACCOUNT FROZEN! i have regular allotments that are now in limbo because of this, i can not make money trading, AND i can not utilize my hard earned money i. these accounts. this is beginning to create unnecessary hardships. i have answered every question and supplied every document requested. this is ABSOLUTELY INSANE. i have never been treated this way.
Product: Credit reporting or other personal consumer reports

This account is being reported as a collection account. Since then, the account has repeatedly been updated as accurate This inaccurate information falsely manipulates the statute of limitations in the investigation of this account properly after I asked three times, and your neglect has violated my rights and demanding a deletion of the following account XXXX XXXX XXXX account # XXXX Dates of lease from original XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX one-year lease with a move-out date of XX/XX/XXXX, the final charge paid in full, this information was verified and demanded deletion of this account By Fair Credit Reporting Act, Public law 91-506, title VI, Section 611, Subsection A-D all information has to be 100 % accurate.
Product: Credit reporting or other personal consumer reports

This was not sent in error, I am a consumer by law and my information was misused. 
per 16 CFR 313.7 l opted out of all authorization from the company and they have failed to grant my request as a federally protected consumer. Now I am suffering from having inaccurate information reporting on my credit report.
Product: Student loan

I received a letter from Equitable Acceptance Corp. Saying they could reduce my student loan debt. They made me believe they were taking over my loans but I instead they are not providing the service that they portrayed. They are charging me to manage my account, which is what I have been doing. They will not let me out of the contract which is for 48 months unless I pay 40 % of their service fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a 30 day late payment on my account and it is showing up as different dates on different credit bureaus. Example, XXXX  shows the 30 day late payment in XX/XX/XXXX and Experian shows the 30 day late payment as XX/XX/XXXX, and XXXX shows a 60 day late payment in XX/XX/XXXX. This account has been closed for several years and was always paid as agreed, never late. The discrepancy is obviously because this account was NEVER late and needs to be removed immediately. This incorrect information is being reported on all three credit bureaus ( XXXX, Experian and XXXX ). I have tried to resolve this with each of the bureaus as well as with XXXXXXXX XXXX and it keeps showing up on my credit reports incorrectly reported.
Product: Credit reporting or other personal consumer reports

Heres a CFPB complaint description that references relevant federal and California state laws : -- - **Complaint Description : ** I am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXXXXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. 

This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts.

This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. 

Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Product: Debt collection

The week of XX/XX/XXXX XXXX XXXX  was blowing up my phone, my mothers phone, and my mother in laws phone all over my debt. I called them and said to remove their numbers and do not call again. They continue to call my phone now and my mothers. They did stop calling my mother in law. They also call from multiple different numbers from other area codes. They will send me XXXX   packages of a bill. I have tried to set up payments with them and it just doesn't seem to be working out. They still are calling constantly and threaten suing me. The customer service is awful. I just do not think its right they have contacted my family about my debt.