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

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXXXXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXXXXXX XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXXXXXX XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

Received an email today stating that the company may send back to original creditor and they may take legal actions. Copied email to follow. 

At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More. 

XXXX, please set up a payment arrangement. 

XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) would like to prevent legal review on your past due account, so they gave us the opportunity to assist you in reaching a resolution. 

While your account is still with us, we'd like to work with you to resolve your past due balance. Otherwise, XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) may review your account for placement with an attorney for legal review as their next step. 
You can prevent this by setting up a payment arrangement. 


Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures. 


Copyright 2020 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your TrueAccord account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/resurgent_glb XXXX XXXX XXXX account number ending in : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a written request for the two CRAs to XXXX ) update the XXXX maintained by both XXXX and XXXX to delete derogatory items that are 7 or more years out of date & 2 ) provide a copy of the corrected " report '' ASAP. The written request included substantial documentation to establish the bone fide authorization including old versions of each CRA 's consumer credit report ; the XXXX result from XXXX CRA who already did it after a request was filed ; a certified copy of my Driver License Abstract ( because it is public information ) including the citation from Washington State law ( RCW 46.20.035 ) which establishes " a driver 's license .. is valid for identification purposes. '' However, I refuse to provide these private corporations with my social security number because it is NOT public information & they have no right to demand it from a consumer ; i.e., Social Security Administration publications state that providing it to non-governmental entity is voluntary. 

There has been no response & more than 30 days have passed. I stated in the letter all contact is to be written.
Product: Mortgage

Issue has been ongoing and still no resolution. 

Mr. Cooper continues to show an amount as pre-petition arrearage when it was dismissed and filed by the courts. I have provided documentation of the court ruling and still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XXXX/XXXX/22 a account from XXXX XXXX XXXX prime loan credit builder was open without my permission and reported to my XXXX, Experian and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$6000.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2800.00} XX/XX/XXXX XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M IN THE PROCESS OF BUYING A NEW HOME AND ONE OF MY ACCOUNTS REPORTING IS SHOWING A LATE PAYMENTS IN XX/XX/2020 AND XX/XX/2020. THIS IS NOT CORRECT. THE ACCOUNT HAS BEEN PAID ON TIME AND THE RECENT ERRORS ARE AFFECTING MY CHANCES OF PURCHASING MY HOME.
Product: Credit card or prepaid card

Capital One fraudulently initiated ACH debits from my checking account 7 times. Capital One admitted its fault and refunding me for four ( 4/7 ) of those fraudulently debited ACH transactions on XX/XX/2017. 
Even though Capital One has admitted XXXX fault and refunded me partially, they refuse to refund me for the rest of those fraudulently debited ACH transactions in the amount of {$2600.00} ( 3 transactions out of 7 ). 
In addition, Capital One closed my account and stated that the account was closed per my request, which is completely wrong! I have not made such request to Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report, we are approaching 60 days. I would like for like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out.
Product: Checking or savings account

Hi CFPB, on XX/XX/XXXX going into the XXXX I went to a bar named XXXX XXXX XXXX in downtown XXXX and I got my debit card stolen after paying my tab at the bar. I went back to my hotel room at XXXX  XXXX and went to bed. I woke up and noticed my debit card was missing out of my wallet and checked my bank account and someone out there hit up every ATM and other things that night withdrawing a total of {$6000.00}. The criminal did roughly 40 or more transactions using my debit card. Please help me out, my bank credited my money back the next morning when I reported it and thought it was all taken care of. As of XX/XX/2024, chase bank has reversed the fraud claim, and is saying I have benefitted off this act because my PIN number was used multiple times without fail. I did not benefit off this and I dont know how whoever got my PIN number got it, and I have filed a police report with the XXXX Police Department . Report number : XXXX. He went to numerous locations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX. I called chase fraud department when waiting my for my money to return for updates, simply updates, every time I called the chase fraud department they were opening a whole new claim. I have no idea why they did that, leading my case into more confusion. This is a clear case of fraud, I have submitted my case to Chase Fraud and they are not helping, they gave me my money back and then reversed it leaving me negative - {$1600.00} dollars in my checking account where my bills come out of. I did not commit this crime, I did not benefit anyway, and I did not authorize any ATM withdrawals or any of these other transactions using my chase debit card. I am a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Equifax. I submitted an application to an apartment on XX/XX/2021 which uses Equifax for credit checks. They informed me they were unable to process the credit check due to insufficient credit profile. The same happened for my XXXX XXXX credit card. They used Equifax to verify my credit and stated I had an insufficient profile. XXXX XXXX has confirmed they report my line of credit to all three bureaus. Additionally, I had student loans and was an authorized user on a card that should have been reported. I'm unable to create an account and have faxed identifying documents on XX/XX/2021 as requested by customer service. I'd like to understand why reported credit is unavailable through Equifax, why the system won't allow me to create an account and how I can create and view an account/report through Equifax. So far, this has likely cost me a place to live and customer service is not sufficient for a company with this level of control over my finances, personal information and life decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries
Product: Checking or savings account

I have a cash app account with Square inc and my account has been blocked or frozen I cant remove my cash or transfer it. I Have emailed the company several times with no response. Please help me.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

A deposit of {$67000.00} was made on XXXX. The deposit or transaction receipt indicated that the funds would be available the following day., checks were issued, resulting in {$100.00} in bad check fees. Wells Fargo acknowledged the error as their fault but refused reimburse the {$100.00}, demonstrating a lack of concern for the issue.
Product: Credit reporting or other personal consumer reports

I have been dealing with this since a long time ago. My cousin XXXX XXXX used my information without my knowledeg to open accounts without my knowledge. I need help in removing these things from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to repair and delete some accounts from my credit report ; however, there are still accounts that needed to be del

eted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00}
Product: Debt collection

CREDENCE RESOURCE MANAGE This company calls me about 4 times a day. After telling them in XXXX to stop calling. The debt they say I owe is not mine and I have stated that to them several times. I want them to stop calling and this debt DELETED FOR MY RECORD/ REPORT
Product: Credit reporting or other personal consumer reports

upon me viewing my credit reports i notice mutliple accounts that were not mine
Product: Debt collection

I 've been receiving calls from ( XXXX ) XXXX trying to collect a debt that I do not owe. I 've blocked the call, but the caller keeps leaving messages. These messages are recordings urging me to call the company back.
Product: Credit reporting

I went online to equifax and received a free online report. In less than XXXX hours it was no longer available- I received an error message with a number to call but when I called the number there was no way to relay the message or get my report back. There are no automated options and no possibility of speaking to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I noticed on my XXXX Account that XXXX XXXX had sent in a report for 60 days late and when checking the amount the charged by checking on the phone on the amount vs the late fee exceeded federal limits. I personally do not have a XXXX XXXX XXXX credit card, but my wife does and it is not a joint account. I discussed this with my wife and she has not used this card in XXXX at all. In direct violation and prohibited by the XXXX XXXX XXXX XXXX. XXXX sent no statements and made no phone calls. The made no attempt to notify of any amount owed. Nor did they send emails or communications simply placed it as late on the credit report for charges we never made. In putting dispute information in the is insufficient space to list all the details. We contacted XXXX XXXX who has been fined billions of dollars for illegal credit practices in the last few years and investigated by numerous state and federal officials. CFR section XXXX lists these practices as direct violations of federal law. We contacted XXXX and filed a fraud complaint on unauthorize used of the card on XXXX. On XX/XX/XXXX we paid the charged balance and XXXX waived the late fees and found the amount was about XXXX dollars charged. My wife, whose credit report shows contact, address and phone number information that does not belong to her and never did whose name is XXXX XXXX XXXX of birth XX/XX/XXXX Address XXXX XXXX XXXX, XXXX, XXXX  XXXX. Phone number ( XXXX ) XXXX showed someone elses information completely on her credit report. On XX/XX/XXXX we paid the amount to avoid any more negative reports on our credit report, and it should never have been placed on mine as the account is not joint, we then as someone else is using the account cancelled the credit line. We have prohibited all our employees, and our purchasing agent from purchasing, visiting or even going into a XXXX XXXX XXXX because although I do not have a credit card do have a pro rewards card for my business which employees 40 people. Thank you, see that these violations are properly investigated and please have the negative information removed from all three credit bureaus as the practice being followed by XXXX is prohibited under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

CKS PRIME has not responded to me regardingmy request to validate the account in the amount of {$1100.00} on my credit report beginning in XX/XX/2020. This company has failed to provide the documents required by law to validate the alleged debt in question. They have not responded at all. 
XXXX  and XXXX  has continued to report this invalidated information which is a direct violation of the FCRA.
Product: Credit card or prepaid card

First of all, my XXXX score this month is XXXX and the only marks against my credit worthiness are the XXXX late payment records that PayPal Credit XXXX XXXX  reported to the credit bureaus dropping my XXXX score a few points. 

PayPal Credit XXXX XXXX made a change in their grace period terms from XXXX to XXXX days. This change made my due date change from the third of the month to the first of the month. 

I made a purchase using PayPal Credit XXXX XXXX  for their XXXX-month XXXX interest offer. 

My first statement due date was the XXXX of the month and using that information I set up a bill pay account at XXXX XXXX. 

It wasn't until yesterday that I discovered the change in the due date to the first of the month and PayPal charging me XXXX late fees XXXX for {$29.00} and XXXX for {$40.00}. 

PayPal customer service was not willing to refund the late fee charges until I became aggressive over the phone with them. 

PayPal has over XXXX XXXX customers. If this PayPal late fee scam only affected XXXX XXXX customers charged a {$29.00} late fee from changing the due date XXXX days they would make {$29.00} XXXX in XXXX days. PayPal Credit XXXX XXXX might as well be sticking a XXXX in their customer 's back but their excuse is the fine print legal terms of service notices they publish knowing that people don't read them. 

Other PayPal customers have had the same experience. 

https : XXXX
Product: Credit card

I am filing a complaint against Capital One regarding the denial of my dispute claim for a transaction with the merchant XXXX XXXX ( Case Number : XXXX ). The merchant claimed that the goods were as described and received in good condition, but this is incorrect. The property was filthy, with old dog XXXX, trash like XXXX  ice tea cans and XXXX cups, and a moldy shower with leaks. The yard was littered with garbage from previous tenants. Additionally, during our stay, an XXXX XXXX XXXX XXXX  entered the basement without notice, leaving the door open and unlocked, creating a security risk. After our stay, the owner falsely accused us of causing damage and attempted to charge extra fees for my service animalR despite the property already having pre-existing wear and damage. I request that the CFPB review my case and assist in resolving this matter with a full refund due to the unacceptable conditions and negative experience.