23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

AMERICAN EXPRESS knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is XXXX and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. XXXX is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, AMERICAN EXPRESS, failed to provide me with the necessary disclosures required under XXXX and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XX/XX/XXXX SYNCB/TJX Late Payment XX/XX/XXXX / XXXX and XX/XX/XXXX XXXX Late Payment XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report contain errors, inaccuracies, and outdated information that can harm my credit score and financial reputation. These agencies may have different information on my consumer report, which can lead to inconsistencies and errors.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX 
Account XXXX : XXXX
Product: Debt collection

A Collection Agency called Alliance One has some personal information and they say I have a debt. I have never heard about this agency.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX  XXXX XXXX XXXX. pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Fair Resolution : 1. Correction of Reported Information : The account with XXXX  ( Account Number : XXXX ) shows a charged off as bad debt status from XX/XX/year>, with a balance of {$3500.00} at that time. The account also shows a {$0.00} balance in XX/XX/year> but indicates a profit and loss write-off. I request that the account status be verified to ensure it accurately reflects any settlement, payment, or charge-off status. 
2. Verification of Charge-Off : The account was charged off in XX/XX/year>, and the balance should be updated if a settlement or payment was made after the charge-off. If the account was fully settled, the report should reflect the date of settlement and final payment amount. 
3. Accurate Reporting of Balance and Status : If the account was paid off after the charge-off, I request that XXXX  and TransUnion update the status to show paid in full or settled. If the charge-off is accurate, the information should reflect the correct balance and status as charged off.

4. Removal of Negative Impact : If there is any inaccurate reporting of the balance, status, or charge-off date, I request that these inaccuracies be removed from my credit report. If this was a reporting error, the incorrect charge-off mark and any negative impact should be corrected.

5. Updated Credit Report : Once the corrections have been made, I request TransUnion to provide an updated copy of my credit report showing the corrected account
status, including whether the account was paid off, settled, or accurately marked as charged off.

6. Written Confirmation : I request written confirmation from both XXXX and TransUnion confirming that the account information has been reviewed, verified, and updated as necessary. This confirmation should include a detailed explanation of the corrections made.

7. Compensation for Damages ( if applicable ) : If this reporting error has negatively impacted my credit score or resulted in denied credit or unfavorable terms, I request compensation for any damages caused by the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

violation of section 604 15 USC code 1681XXXX. 
Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report
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 U.S.C 1681 XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # xxxxxxxxxx XXXX XXXX XXXX # XXXX XXXX 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: Credit card or prepaid card

I'm furious with this company Capital One. I have been with Capital One for over XXXX XXXX. The way I was treated unethical and considered XXXX. I demand a resolution after XXXX XXXX  with this company. I have never been delinquent on my accounts and to be treated this unfairly as a customer, is very unethical on their part. 

I was traveling from the XXXX of XXXX to XX/XX/XXXX of XXXX. I have business accounts and personal accounts with Capital One. Today I checked my accounts and I noticed all XXXX of my accounts are closed! I called Customer Service to see what has happened and they stated fraud. They transferred me to fraud department and they stated it was because of a return payment of {$400.00} for my personal credit card. This personal credit card I was using while I was traveling as I depend on this XXXX card for my travel needs. Yes a returned payment occured I was traveling and my accounts were in process of transferring money, but to close all of my accounts even my business accounts for this returned payment is XXXX! I just arrived back and I can pay a measly {$400.00}. I did not even pay late I added funds to my credit card to use it. Why would they close my account over a returned payment. Or all my other accounts that have nothing to do with this?! I found this as an unethical excuse to close my accounts due to discrimination and credit being used. I am seeking resolution through CFPB before resulting in further action. The closing of my accounts all 4 also affects my credit as I had high credit balances and now thus this company decides to wipe it for no apparent reason without communicating with their client especially when one is traveling. Very unethical!
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year>
Product: Credit reporting

Credit reporting company Equifax is not helping to create a dispute by saying that there isDiscrepancy in my personal information they are demanding documents DL and SSN card from me If they have discrepancy in personal information then on what basis they are updating my records and score.they refuse to disclose even what is discrepancy This is just harassment I can see all information on credit report then why they need documents from me and if they do not have correct personal information then how they are updating records Request your help to resolve the issue
Product: Credit reporting or other personal consumer reports

Hello. For my student loans, I owe just over {$14000.00} through the servicer XXXX. They recently transferred loan servicing systems. Because of this, my student loans are now showing twice on my Experian credit report. I have disputed this with them several times, however, the dispute is always closed and the problem is never resolved. My credit report still shows an incorrect amount of over {$28000.00} in student loans. The old accounts that were closed and transferred need to be shown that way on the credit report to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a long time Capitol One customer ... a Veteran of the XXXX XXXX XXXX .... with good credit ... ZERO late payments until now ... .I lost my XXXX XXXX XXXX job due to the Covid -19 pandemic and other medical issues at the end of XXXX due to XXXX  and quarantined for well over 2 months ... .I just started getting my unemployment a week ago due to backlogged claims in Colorado. Capitol One has been working with me to temporarily postpone payments until I get financially stabled due to the pandemic. I called and was told that my payment was taken care of for XXXX and XXXX ... ..I received notifications when I was well enough ( still sick..mind you ) to check my email ... ..and noticed one of my credit cards was past due. I called immediately to address the issue. The Capitol One representative apologized and took care of the payment suspension and was told that my payment would not be reported late to the credit bureau ... .One week into the month of XXXX I got notification that I had a 30 day late payment on my credit report ... .Dropped my credit score 50 POINTS ... .I have since tried to correct this payment issue and received another notification that it was 60 DAYS..Crdit dropped 100 points! ... I have since paid the past due amount.. ( now getting unemployment ) ... This has been a disaster. Please Help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Citizen one XXXX  XXXX  XXXX Removed the inquire from my credit report
Product: Checking or savings account

On XXXX Bank of America closed my accounts without any warning. My accounts were closed and when I tried to get my money out they would not let me and would not tell me why my accounts were closed. I tried telling them that I have no money for gas, food or Rent or to feed my daughter. I was treated like a XXXX XXXX XXXX. How can you not let me get my money out of the accounts so I can survive?
Product: Debt collection

My husband and I traveled to XXXX XXXX XXXX, XXXX in XX/XX/year>. My husband was pressured into signing up for a vacation package. I did not sign up at all. My husband later sent a letter requesting to cancel the package via letter and email and never heard back from them. Now they have put a XXXX XXXXXXXX collection on my credit report not my husband. The phone number on the XXXX dispute does not work. I have not been able to speak with anyone regarding this matter.
Product: Money transfer, virtual currency, or money service

I reported my card to cash app as stolen, the cancelled my card never put a provisional credit on the account even after the police report was sent to them. They cancelled the card again and said they were closing the case. XX/XX/XXXX I lost a couple debit cards and credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I need a credit freeze for all credit bureaus listed : -Experian XXXX -XXXX  XXXX -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 Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Checking or savings account

I contacted the bank on XXXX to inquire about why they were processing debit card transactions when the balance was low on as I did not opt in for the overdraft protection. The transactions in question were a reoccurring debit card transaction that hit my account at different times. The representative agreed to reverse two of those and only reversed 1. The bank has processed more of these and then tacked on an overdraft fee of {$36.00} per transaction, I was charge {$36.00} on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX with only one refunded. Asking for s refund of {$100.00}. 

Ive tried to call the bank multiple times in the past week with long hold times. I finally reached a representative today and was told she could not hear me, This was after waiting on hold for XXXX minutes and she ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISCLAIMER : IM NOT A CREDIT REPAIRING AGENCY ITS ME XXXX XXXX. ). These collections are violating my consumer laws and its having a tremendous effect on me due to it violation my consumer laws and reporting inaccurate information on all 3 credit bureaus. Under FCRA law, credit bureaus are supposed to report information 100 % accurate on all 3 bureaus or it must be deleted. I ask for deletions of these accounts due to the credit bureaus not following consumer law. If not I ask for {$1000.00} per violation as it states in my consumer law. These accounts are : XXXX XXXX investments ( XXXX : XXXX ) * reporting on XXXX report ( delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX : XXXX ). 
Reporting inaccurate delete or {$1000.00} per violation XXXX XXXX ( XXXX ) *reporting on XXXX report and its reporting incorrect information on both reports ( Delete immediately or {$1000.00} per violation ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) *is reporting wrong date ( remove immediately ) or {$1000.00} per violation XXXX XXXX ( XXXX XXXX XXXXDate open is reporting incorrect ( Delete immediately ) or {$1000.00} per violation XXXX  ( XXXX ) * Reporting on one report ( delete immediately ) or {$1000.00} per violation I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST
Product: Checking or savings account

I deposited a check that was given to my by the courts for a probate sale in the amount of {$18000.00} into my savings account which I had active for over 7 years without any issues. I used my Drivers license and also my debit card to verify my identity in person and was still flagged. When trying to use XXXX I noticed a problem I called customer service and after a 2 hour wait the system said call back another time. The following morning i went into the branch which was XX/XX/XXXX and the branch manager helped my at least gain access to my checking because they restricted everything in my name. She removed the hold and told me to just not touch the funds in my savings until the check clears since I provided her with all legal documentation that was given to me in order to justify the payment. After 2 weeks i noticed i no longer was able to view my account information and had a deposit into my checking that I didnt do so I went into the branch again. A banker was able to sit with me and see what was going on and told me that my account was frozen and i need to go to another branch with the person who wrote my check to remove the restrictions which made no sense. She said my account was frozen on XX/XX/2022 when in actuality she was looking right at the account that showed it was closed since XX/XX/2022. Why was my account closed when I did everything that was asked in order to verify the legitimate check and the reason for me receiving that dollar amount. In the end I had to go to another branch so they can tell my that my account was closed since XX/XX/2022 and feel like i was treated unfairly for no reason and no explanation.
Product: Checking or savings account

Banking while XXXX. 

My direct deposit went into my account so I went to the bank. Transfer {$500.00} to business account deposited {$23000.00} in. No big deal Later I checked my account and my transfer was marked as a cashed check not a transfer. 

The next day I went to take XXXX out and my arm card no longer working and saying that it was unavailable to me. 

I went into the teller where she accused me of chasing a fake check from my employer. I attempted to withdraw XXXX From the teller from my direct deposit and she classified the transaction as a cashed check that's on hold. 

I called customer service and reported the banking while XXXX incident and what the teller said to me and she hung up in my face. I can't use my funds
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some accounts are incomplete and inaccurate. I asked for a validation of this debt according to FCRA which ensures the accuracy of consumer credit reports and specifies timeframes for the reporting of certain information. 
15 USC 1681a ( b ) Maximum Possible Accuracy of report 15 USC 1681i ( 7 ) Description of reinvestigation procedure. 

XXXX XXXX XXXX  ACCT. NUMBER : XXXX XXXX  ACCT. NUMBER : XXXX DUPLICATE ACCOUNTS BEING REPORTED
Product: Credit reporting or other personal consumer reports

Credit Reporting Companies, XXXX XXXX XXXX is inaccurately reporting that this account has late payments. I noticed on a previous statement that they have a person named XXXX also with the same account number listed on my same statement. This is the source of the problem. My name is XXXX XXXX XXXX XXXX and I have never missed a payment and paid that account off a long time ago. They even have the wrong name on the statement. Its very strange what they have done.They have my account confused with as much as XXXX different people! I spoke with the manager there and they have agreed multiple times to delete this account or update it to never late as it should be. However now they keep avoiding me and telling me the manager is out and that he will call me. They never all and are clearly dishonest and shady people who know they are not complaint and are choosing the not acknowledge the error and keep reporting to the credit reporting companies that the status they report is accurate. See the attached document it proves there is great confusion within their system and that it should not be trusted. You all are required to comply with FCRA and FDCPA and delete this account immediately since its clear there is obvious identity theft and unfair reporting practices by this data furnisher or creditor. This account is causing severe impact to my financial, and work life. My health and family life is greatly impacted. It is very inhumane to and down right wicked to be so callus and apathetic about this issue. I should not have to ask again. Please delete this account and keep it off my report.It is a lie to report this as verified! This is preventing me from getting lifesaving medical treatment! I am going to make this public. I could potentially die because this company won't comply with FCRA and FDCPA laws and delete this account!