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

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. MY IDENTITY WAS ALSO STOLEN IN A FRADULENT DATAT BREACH VIA ONLINE AND THERE WERE SEVERAL FRAULENT INQUIRIES MADE WITHOUT MY PERMISSIONOR KNOWLEDGE. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.
Product: Mortgage

Specialized Loan Servicing services our mortgage. We pay a monthly escrow fee to SLS for " taxes and insurance, '' but SLS has failed to pay the taxes. We were required to pay the taxes ourselves, as well as the late fee incurred due to SLS 's failure to pay the taxes. I called to speka to SLS, thinking that it would agree to reimburse me for the costs I incurred. SLS says that is not how its does business -- instead, it will reduce the escrow amount that we would ordinarily pay. I asked to speak directly to the tax department and, once I got there, the tax person promptly dropped my call. <P/>In seeking to resolve this with SLS, I was pressured to not handle the call on speaker phone, and asked to identify anybody who was on the call. ( Nobody was in my office. ) I found this request to be odd. <P/>I am concerned that SLS has no intent on reimbursing me for the several thousand dollars that I was required to pay to the tax authorities. I am also concerned that SLS has a recording about this practice for people who call in, as if this is a routine practice for SLS.
Product: Checking or savings account

My name is XXXX. I used Square to process payment for my business but Square decided to deactivate my account. 

I had about {$1200.00} in my Square account prior to deactivation. Then Square refunded this amount to the cardholder who sent this payment to me without my consent. 

However the cardholder told me that her bank account was closed and her bank returned the deposit back to Square. This is because once an account is closed, all deposits are always returned to the originator and that was the case. 

This funds was supposed to have come back to my Square account because it was returned back to Square by my clients back account. 

But Square has refused to give me this money. 

I raised this issue and contacted Square support and they said they would get in touch within 1-2 business days, but no success. 

A member of Square account service team responded to my case and said I would have my money on XX/XX/2022, but these are all lies. 

I need my money. 

Email associated with my Square account is XXXX XXXX
Product: Credit reporting

I had fraudulent accounts added to my credit file. Ashro was one of them. Items were purchased. I contacted Ashro and sent them copies of police reports, etc. I even offered to pay the account if they would remove it which they agreed. I sent the letter and payment. The payment was cashed. The item has not been removed. Not only is this fraud but they did not keep their word and remove the account after I paid for it. This item is still showing up on XXXX. All other agencies have removed this account.
Product: Debt collection

Jefferson Capital is reporting inaccurate information on my credit report. For one. The date of XX/XX/XXXX is not accurate. I've not had XXXX XXXX since XXXX. I've not made one payment to Jefferson Capital nor admitted this debt. Secondly- the amount they are trying to collect is inaccurate. I've reached out to XXXX XXXX requesting information pertaining to my account with XXXX XXXX. I'm requesting the inaccurate information be removed from my credit report immediately! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my disputes to all three credit bureaus on XX/XX/XXXX. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XX/XX/XXXX letting  them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA
Product: Prepaid card

{$45.00} of my {$50.00}, XXXX Gift Card, was stolen from my gift card. I activated the gift card on or about XXXX/XXXX/2016, and on XXXX 2016, I went to XXXX supermarket, when I got to checkout it was only {$5.00} left on the gift card. I reported that to XXXX Gift Card Co. They said that they would investigate it they reported to me that the money went to XXXX. And it would take 45 day to resolve this, and at the end of XXXX or beginning of XXXX, I called them they said that I needed to wait until the XXXX. Of XXXX for them to finish their investigation. On XXXX XXXX. 2016, I called again, and I was told that it takes 60 days to investigate so I was two days to early and to call back on the XXXX XXXX. On XXXX XXXX. I call back and was hung up on twice, on the 3rd. call I needed to give them more time. The on Monday I called The Massachusetts XXXX who put me in touch with your organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act convergent Account name XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute the actions of several accounts that have violated my rights under the Fair Credit Reporting Act ( FCRA ). The specific accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been violated in the following ways : Right to Privacy : As stated in 15 U.S.C. 1681 section 602 ( a ), I have the right to privacy regarding my credit information. These accounts have failed to uphold this right, as my personal credit information has been mishandled or improperly disclosed. Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing a credit report without my written instructions. Each of the above-listed accounts has reported information about my credit without obtaining my explicit written permission, thereby violating this provision of the FCRA. These actions have caused me significant distress and have potentially impacted my financial standing. I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and take appropriate measures to ensure that these companies comply with the FCRA. Enclosed with this letter, you will find copies of relevant documentation supporting my claim, including credit reports and correspondence with the aforementioned companies. Thank you for your prompt attention to this matter. I look forward to a resolution that ensures my rights are protected under the FCRA. Should you require any additional information or clarification, please do not hesitate to contact me at the above-listed contact information. Sincerely,
Product: Mortgage

The year was XXXX. I started by calling Wells Fargo to start the process for a XXXX  modification. I did this for two years to no avail with Wells Fargo. They gave me the run around. Never helped this XXXX  family. I was doing this alone while my husband was XXXX in the XXXX XXXX. By XX/XX/XXXX we had no choice but to file Bankruptcy. A XXXX XXXX, nephews and extended members of our family were displaced. We lost our home. 
All we wanted was to reduce the payment from {$840.00} to a reasonable payment. It did not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX XXXX XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

I had a very old XXXX Credit  tradeline account that was charged off in which Portfolio Recovery Associates purchased in XX/XX/XXXX. In XX/XX/XXXX, one of the representatives called and continued to harass me regarding this particular debt. Advising they would be suing etc. I disregarded the calls and it showed up on my credit report. At the time it was reporting to the CRAs as a Factoring Company,  which is a violation of FCRA because they are actually debt collectors. Also, the representative lied to me and said if I settle this debt it would be removed from the CRA. At this time it's still on my XXXX report, because of the misleading tactics I settled thinking it would clear from my credit report. It was a lie. Also, on my credit report, it still shows under creditor classification is " unknown ''. I believe this a deceptive practice in order for me to collect on a bad debt that was well past the statute of limitation. I feel my customer rights were violated.
Product: Credit card or prepaid card

on XX/XX/XXXX I received it at midnight I received the text message saying that my XXXX and loves to lose fat is deposited into my PayPal account well when I check my car that I have in my account that I have wasn't nothing in there so first thing the next morning I called to find out what was going on seems like there was another new account open in my name all my information but it was on account that I never authorized or had access to a countdown but wasn't nothing more he can do we couldn't dispute the transaction they couldn't tell me nothing about the transaction or anyting it was very rude and disrespectful hung up in my face told me to contact the IRS at this point I still really don't know what's going on I don't know where my money that I don't know what happened to it I still don't know nothing
Product: Checking or savings account

Betterment offers investments and a savings and checking they advertise 1.82 % pay and I had {$30.00} and {$10.00} deposited on the 3rd. They say interest calculates and/or compounds daily. I was only issued XXXX cent of interest. I have other savings accounts where I had {$20.00} with 1 % interest rate at competitor banks and received. XXXX. It is an unfair practice that they are not advertising the actual rate. I have many savings accounts with different banks. This just doesn't come out accurate. And doesn't calculate to the near XXXX or XXXX cents monthly for an annual basis. APY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX XXXXXXXX Date updated inaccurate fcra violation delete account
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 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: Prepaid card

I received a call from XXXX claiming to be from fraud department at NetSpend and that he needed to verify my identity before issuing my direct deposit into my acct. I sent him my id through XXXX XXXX app and shortly after approx XXXX after my direct deposit was in my acct on XX/XX/24 for XXXX upon checking past transactions and status on my direct deposit for my son, I happen to noticed.an unauthorized withdrawal of XXXX at XXXX was stolen without my authorization or knowledge I reported this the very same day this nightmare occured on XX/XX/24 and NetSpend blocked and restricted my debit card late afternoon on XX/XX/24. I completed the dispute form in a timely manner and NetSpend stated that no error was found and they will not issue my money back into my account and NetSpend continues to play the incompetent role and customer service does not log any prior calls about issue and I should not have to repeat my issue to every new rep that answers there phone as they all of a strong XXXX accent they fail to listen to my request so I would like to appeal their decision and prove that error is on NetSpend and I rightfully deserve my son 's XXXX money back onto acct
Product: Debt collection

I paid this account in full back around XXXX. There is no debt and this just popped up on my credit report. 

Original Creditor : XXXX XXXX XXXX : Zions Debt Holidings Amount : XXXX They have the date opened listed as XX/XX/XXXX I paid off a security system with this company ( XXXX  ) I believe in XXXX. 

Now this debt collector is attempting to commit fraud and reporting fake debt on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUESTING REMOVAL OF ALL INACCURATE INFORMATION LISTED IN MY CREDIT REPORT BY THE CREDIT REPORTING AGENCIES, WHICH ARE A VIOLATION OF THE PRIVACY AND IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and Credit health.
Product: Checking or savings account

On XX/XX/XXXX, I used the Optum XXXX method to transfer {$560.00} to the provider account associated with an Optum bill. The provider, however, never received this payment, and I paid them afterwards using additional funds from my HSA.

Optum has not credited or returned to my account the {$560.00} that I sent in error. I have tried to resolve this issue with them over the past year, starting in XX/XX/XXXX, when the provider notified me of non-payment and I first learned of the error. Optum sent me an email with the information related to the errored payment, and I asked them to credit my account with the balance, but they have failed to provide me with confirmation that it has been returned. Additionally, the balance has not been returned to my account. 

I am frustrated with the service I have received and would just like to have the balance credited back to my account.
Product: Student loan

I was looking at my credit report and for some reason it keeps dropping. The Dept of Education has no way to locate how or where the money that is declared is, and I have reached out to XXXXXXXX XXXX  in XX/XX/year> and successfully have been " one time exception '' all which I have provided to the credit buraus on the forgiveness of payment based on their program cancelling.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX and i filed a PUA claim on the pa.government website and my dashboard shows that i've been paid but i have not recieved my RELIACARD from USBANK at this address which has been around 1 yr now and i put a change of address i when i moved. 
but the main reason is i think is i'm not in USBANKS data base but i should be, my claims are being paid. 
i would like to know where my RELIACARD isso i can pay my bills, can you please look into this matter?
Product: Checking or savings account

On XX/XX/XXXX I was charged two overdraft fees. However, when i look at my account balance online and transactions, it looks like the negative balance comes on after the two fees are applied. When i spoke with them on XX/XX/XXXX, they would only reverse one of the two fees. However, it seems like they are using a deceptive practice to determine which transactions hit the account first so they can charge more fees.
Product: Checking or savings account

OptumBank has my HSA, with a very large balance. 

I am a reasonably tech- and financially-savvy customer. Their website makes it very hard to transfer funds from investments to the HSA so I can reimburse myself. Most recently I sold {$7000.00} of mutual funds on XX/XX/year> and those funds are still inaccessible to me for reimbursement. My retirement accounts are at another financial services company and trades settle the very next day, so this problem is unique to OPtumBank, not reflective of the way the market works. I am planning to leave them as a result of this issue, and asked yesterday that all of my investments be liquidated via the website. That transactions also shows as complete, in that I have no investment holdings, but my subtotal for cash remains unchanged. The grand total is correct, but the bulk of my funds are neither growing in the market nor accessible. No information is forthcoming. Even a simple FAQ that says they take 10 days to settle a trade would be useful ( and likely allow a customer to make another HSA choice ), but they do not provide even that guidance. 

Also, I would note that their monthly statements are really poorly designed. Pages long, with little information on each page, in very small type.