23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

One XX/XX/2015 I received my first credit card from " XXXX XXXX XXXX  ''. Within less than 10 days of having the card, there was initial fee {$75.00} on the online statement. I call the company on XX/XX/2015, to close the card. They informed since, I only had card withing less than 15 days, they were not going to report anything to credit bureau. At that time I only owe them around {$100.00}. I sent money order withing 2 days of cancelled the card to in California, which they provided to me over the phone when I was cancelling the card. 

Almost year and half later, I checked my credit report and saw XXXX XXXX XXXX Had been reporting to the credit bureau. Infact they had reported 7 months current payment and 8 months non-payment. I had send dispute to the 3 credit bureau and they didn't resolve my issue. 

I contacted XXXX XXXX XXXX in my state. XXXX XXXX XXXX did removed the negative reporting. 

While this was happening LVNV Funding LLC took over the false debt and start reporting my credit report. I had send several disputes them and they would not remove false debt. I need help solving this issue. Below is the account in question information. 


Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Account Number : XXXX Reference Number : XXXX Thanks, XXXX XXXX
Product: Debt collection

Starmark financial has assumed debt from creditor in whom I never authorized and added a collection account to my credit report with no notification. Though the account was closed, they are still adding interest. The account shows it is connected to XXXX XXXX in whom I never applied for any loan. My social security number and bank account was comprimised in the past and the bank account was closed due to it. But I was never sent an original contract to see my rights, nor notified of the collection being entered against me. There must be laws in place to protect Veteran 's like myself whom become completely XXXX and deal with issues as such. This information should have been provided, instead of requests ignored. Starmark instead has bought the debt and continues to harass me to collect the debt when I was never given contract info, contacted in any way or any contact by the original creditor for this exuberant amount by the original company listed.
Product: Credit reporting or other personal consumer reports

Did not authorized any of the following companies to run my credit by any means necessary.
Product: Checking or savings account

Midfist provided temporary credit for a dispute, no notice was provided when it was reversed. They credit my account again. I called and I was told it was final. I called the branch amd was told I would get a call. Never got the call back. They then debited my account again. Again with no notice and after I was told it was final. I at this point am so confused and feel I am missing {$350.00}. This bank has caused an a massive amount if stress and inconveince. I have children to take care of and I feel they think it is ok. Just to mess with peoples accounts ans they take no responsibility to the stress and confussion they have caused. I believe they are breaking regulations and they need to be investigated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts and inquiries listed below be blocked and permanently deleted from my credit report. I have been a victim of a data breach, and my personal information was used to create unauthorized accounts and inquiries without my consent. 
Under 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and removed from my credit file. 
XXXX Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX XXXX  Employer - XXXX Employer - XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Current Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are incorrectly reporting 3 very specific things on my credit report that are incorrect and need to be removed immediately.  The following are the incorrect items and I am demanding that they be removed from my credit report.1. Collection account with a partial account number of XXXX for $XXXX this account is being reported incorrectly.  This account was paid off but you are still incorrectly reporting it.  I am demanding that you contact the original creditor which looks to be a medical collection and request validation on this debt.  If the original creditor is no longer paying you to report this information and they can not supply you with the original documentation then you are in violation of the FCRA and I will sue you for wrongfully reporting information against me which is $XXXX fine per violation.2. Collection account with a partial account number of XXXX for $XXXX this account has the same historical reporting as the above account and I am demanding that it either meet all FCRA requirements or remove it immediately.  Each bureau is hereby requested to provide me with physical proof that these collections are in fact being reported correctly or remove them immediately.3. Bankruptcy:  Chapter XXXX XXXX.  I contacted the US Bankruptcy court and asked them if they reported this information to the credit bureaus.  They told me that they do not report any information of this kind to the bureaus.  After further research it looks like a company called XXXX or XXXX XXXX  is the one that reported this information.    On my credit report you are saying that the US Bankruptcy court is the one that has reported this information and that is not true so therefore you are in violation of the FCRA by reporting false information regarding where you got this information.  Also XXXX is saying that it was a Federal Bankruptcy and that is not true so you are reporting incorrect information on all fronts and I am now demanding that you remove this Bankruptcy from my credit report along with the two adverse, incorrect collections that you are reporting.You are all in violation of the FCRA and I will pursue legal action if the 3 accounts listed are not removed by all 3 credit bureaus.
Product: Credit card

Per my Credit Card Agreement, payments made before XXXX ET will post same-day. Funds availability policy further states that funds will be available by XXXX XXXX  ET the day after payment posts. I have made 6 payments on my CapitalOne card since the account was opened. There is a note that funds availability may be delayed at CapitalOne 's discretion ; however, my payments have been held for 5 or more days on 5 of my 6 payments. This is a violation of the card holder agreement that every payment I made is being held for 5 or more days when I have not had any issues with any of the payments I've made clearning my bank within 24 hours. Additionally, CapitalOne has confirmed that my account does not have a flag or any other status that would cause this hold to be placed on each payment I made. Further, CapitalOne sends an email confirmation of each payment restating the posting and funds availability but does not notify customer 's of holds and when funds would be made available. There is also nothing posted online or within the customer 's account details, so you have to call Customer Service after each payment to determine if your payment is being held and for how long. CapitalOne should either revoke it's written commitment regarding funds being available by XXXX ET as part of their card holder agreement and simply state that funds will be available whenever they release them or usually within 5 days or they should provide customers a communication following each payment that is being held along with the funds availability time. The language regarding payments being held at their discretion should be reserved for first time payments and/or customers who have a history of insufficient funds. Again, I have asked CapitalOne if my account meets either criteria and confirmed my account is in good standing.
Product: Credit reporting or other personal consumer reports

I checked my credit report from Experian, found that there is an unpaid XXXX XXXX XXXX credit card consuming three years before. It leads my credit score in Experian dropped down a lot to XXXX. I get response from XXXX  XXXX XXXX that there isn't any BOA credit card under my SSN previous record. So, I asked Experian for disputing the record if it is a identity theft or recorded by mistake. And Experian needs the Federal Trade Commission report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX 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 an account without my written instructions. 

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping me.
Product: Credit card or prepaid card

Hello, I am seeking help for a very frustrating situation with my credit card company. It is an Apple Card managed by Goldman Sachs. 

My XXXX statement total balance shows as {$810.00} On page two of the statement the total amount of charges, returns and refunds is {$760.00} There was a return in the amount of XXXX posted on XX/XX/21. The difference between the balance shown on page 2 and the statement balance is XXXX. That amount was subtracted on page 2 but never reflected in the statement balance or the amount I am expected to pay. It is also not reflected in my current balance. In other words, while the credit is clearly shown in my statement, it was never actually subtracted from the total balance. 

I spent an hour and 10 minutes on a chat with Goldman Sachs customer satisfaction representative who stated that the amount had already been deducted and there was no discrepancy. Clearly it was not but the representative would never acknowledge that. It took an hour and ten minutes.

The first representative with whom I spoke acknowledged that they could see the discrepancy but the supervisor flatly refused to acknowledge it. Either the supervisor is completely incompetent or there is something very shady going on at Goldman Sachs.

So, I am being charged {$49.00} for what should have been a refund. Everyone who has an Apple Card should be checking their balances very carefully.

How can you help me to resolve this?

Thank you very much for any assistance you can provide. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my credit that resulted in inquiries that I was unaware of.
Product: Credit reporting or other personal consumer reports

I have send ftc report to XXXX and XXXX violation under the section 1681I I NEED ALL THIS ACCOUNT OF MY CREDIT 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 PLEASE DELETE THIS ACCOUNT!!
Product: Mortgage

Had a HELOC with National City, was bought out buy PNC BANK. The loan borrowing period ended XX/XX/XXXX and a balloon payment was due. My DTI was not good enough to refinance but I was offered a 5 year fixed rate lock XX/XX/XXXX which I accepted before the balloon date as instructed in the letter from PNC. I started making the payments in XX/XX/XXXX however I had not received any statements from XX/XX/XXXX thru XX/XX/XXXX. In XX/XX/XXXX I received a letter from PNC that they were enhancing their technology and would continue to receive statements, I didn't receive a statement until XX/XX/XXXX, I made numerous requests for my statements which I still have not received for this timeframe. it was at this time I found out they didn't have the paperwork for the repayment option I was offered ( it was faxed from a local PNC branch ) so after many excuses from many different PNC customer service reps I found out by a message left on my home phone answer machine that I was not goin to be offered this option. Jump to XX/XX/XXXX I secure money to pay off the loan, I made an electronic payment over the phone and a specific routing number and checking account was used. The next day, I get a text alert on my phone telling me that my checking account was overdrawn. I went to the local PNC Branch and explained what happened. I was instructed to go to the bank where the money was located and transfer the money from the account that was authorized for the payment into the account that they took it from, which I did. Everything appeared to be ok at that point. I thought the loan was paid. I received a letter from PNC Bank stating that the loan was paid in full. The next day, the money was back in my checking account so I called PNC Bank to find out what was going on. I explained what happened and was told that PNC Bank would NEVER do that. Jump to XX/XX/XXXX. I received a letter in the mail from PNC Bank stating that the checking account that I used did not have sufficient funds to cover the payment. Now they are threating foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account shows an incorrect open date. I did NOT open this account 6 months ago on XX/XX/XXXX, XXXX Who shops for a mattress on XXXX XXXX??? For one, the store was likely not open and secondly this account was opened in XXXX  when my address was XXXX XXXX XXXX, XXXX NY. The transaction was a mattress set purchased from XXXX XXXX on XXXX XXXX in XXXX, NY. All original paperwork would show the actual date. I have NOT spoken to anyone from this firm about this debt, therefore not starting the clock over. 
I have submitted several disputes to XXXX regarding this matter however it appears they have not done their own due diligence regarding this issue as if they had they would have found my claim to be accurate and true.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX XXXX XXXX for Violations of the Fair Credit Reporting Act Dear Consumer, Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding multiple late payments reported on my account, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). 

In accordance with 15 U.S.C. 1681 Section 602, I assert that my right to privacy has been compromised. Specifically, under 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing information about me without my explicit written consent. However, I have not provided such consent for the reporting of these late payments.

The details of my complaint are as follows : DATES : Any late payments reported since XX/XX/year>. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX corrects the inaccuracies in their reporting. Additionally, I would like to receive confirmation of your receipt of this complaint and any updates regarding the status of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX 2021 all of my money was transferred from my bank account to my cash app. My money was then sent from my cash app account to a cash tag XXXX XXXX. The amount of money that was transferred from my bank account to cash app was {$3200.00}. First {$10.00} was sent and then {$1000.00} 3x and then {$280.00}. I wasnt aware of this until the following morning which was XX/XX/XXXX. Cash app doesnt have a phone number so there wasnt anyone to call. I immediately tried to request a stop on the funds being transferred and I also called my bank to dispute the charges. My bank account was wiped clean. A few days later I received an email from cash app saying that it was my device that the transaction was done from. This is absolutely impossible. Im explaining to them that I didnt do it. I even asked them if this cash tag had any other fraud claims and they wouldnt disclose the information. I asked for a corporate number and they said they dont have any number for consumers to call. They also told me that they wont not email me back anymore about the same dispute the decision was final. Cash app then told my bank the same exact thing. So Im out of {$3200.00} because it was sent to some mysterious cash tag that Cashapp is protecting. I honestly think cash app is scamming people and taking their money because theres no way this should have been handled so carelessly.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1800.00} XXXX FCU XXXXXX*********** Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$38000.00} XXXX FCU XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX  XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX  XXXX, XXXX, Dept of Ed/XXXX    XXXX, XXXX XXXX and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to 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. I have contacted XXXX Police and the FTC.
Product: Credit reporting or other personal consumer reports

Please DELETE this account, XXXX XXXX XXXX - XXXX Inaccuracies Identified Across Credit Bureaus Date Opened Discrepancy : XXXX reports the date opened as XX/XX/2024, while TransUnion lists it as XX/XX/2024. 
This inconsistency violates FCRA Section 611 [ 15 U.S.C. 1681i ], requiring accurate and consistent reporting.

1.Balance Reporting : The account balance of {$590.00} is inconsistent with the reported high credit of {$550.00}.

This contradicts Metro 2 Compliance Standards, which mandate accurate representation of account balances and high credit. 
2. Payment Status and Reporting Issues : Both bureaus list the account as XXXX without providing verifiable documentation to substantiate this claim. 
This violates FCRA Section 623 [ 15 U.S.C. 1681s-2 ], which requires data furnishers to ensure accurate reporting and provide proof upon dispute.

3. Inadequate Documentation of XXXX XXXX : No verifiable documentation has been provided to substantiate the collection claim, as required under FCRA Section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and unverifiable. 
XXXX ) XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX I have asked all three credit bureaus to provide me with the proof, bearing my signature, holding me liable for this account they have all failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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.