23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I got a notice of a collection owed of {$150.00} on my credit report from a XXXX account that I deactivated in XX/XX/XXXX. I never received any notice of this amount owed prior to the negative remark on my credit report, I contacted XXXX specifically asking if I paid the amount owed, would they remove it from the credit report since they had not sent me any information, and they had deactivated my old account so I could not view the bill. The collection was closed on XX/XX/XXXX. I would like this negative remark removed from my account.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE FINANCIAL CORPORATION is willfully reporting inaccurate information on my Consumer Reports. CAPITAL ONE FINANCIAL CORPORATION has Charged OFF my account ( s ) and sold my account ( s ) and private information to non-affiliated 3rd party XXXX XXXX XXXX ; whereas CAPITAL ONE FINANCIAL CORPORATION is currently as of XXXX reporting inaccurate dates, amounts, and a Charged Off account that they sold to XXXX XXXX XXXX. Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. Also, remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. CAPITAL ONE FINANCIAL CORPORATION and XXXX XXXX XXXX are reporting INCORRECT INFORMATION knowingly. Both parties continue to violate my rights when I have written to these corporations on a vast number of occurrences requesting procedural verification methods/investigations and providing me with proof of who and where you confirmed your alleged information that is being wilfully and fraudulently reported. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been completed, causing harm, threat, stress, and XXXX to mine and my children 's livelihood. See the attached evidence.
Product: Bank account or service

Asking for a refund for fees charged to my account in the amount of XXXX asking for a refund for the charges XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;... 

My character has been defamed i demand compensation.
Product: Money transfer, virtual currency, or money service

Dear CFPB, This is a follow-up letter to an unresolved issue : the permanent limitation of my PayPal account XXXX my dropshipping middleman business. I filed a complaint against them with the XXXX-Complaint ID : # XXXX have gotten no response from them concerning my issue. Yet, my PayPal account, XXXX, was flagged for a monetary sale of " XXXX Oriented Materials, '' which is absolutely not true. I am a third-party intermediary who, through legal connection to a website via API, resells products, such as clothes, among other services. I am not in contact with the specific goods being sold or the actual content of the sale because what I receive are commissions and sales. I am involved in a business that follows all policies set by PayPal and does not sell items that are illegal or too risky. This unjustified Suspension not only affected me but hundreds of clients who relied on my service. I request immediate taking up the action to resolve this unjustified suspension and let me access my funds, carry on my business operation. You can also communicate with XXXX  about this case for more details. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Involved Company : PayPal Inc and XXXX  XXXX  Complaint Number : Complaint # XXXX ( FIRST COMPLAINT CASE AGAINT 'S PAYPAL INC )
Product: Debt collection

I have contacted Credence Resource Management on various occasions in order to get this account verified or validated as my own. I have yet to receive any correspondences I do not have an account with them and they are reporting delinquencies on my report monthly. Please inquire and have this account removed in its entirety immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Request for Immediate Rectification of FCRA Violations in My Credit Report Dear TRANSUNION, I hope this message finds you well. I am writing to urgently address significant discrepancies uncovered in my credit report that directly violate the guidelines set by the Fair Credit Reporting Act ( FCRA ). Upon a recent review of my credit profile, multiple errors have come to light, raising concerns about the adherence to FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act serves as a crucial federal statute governing the collection and reporting of consumer credit information. It mandates precise acquisition, retention, and transparent dissemination of consumer credit data. 

Instances of FCRA violations identified include : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies consolidating individuals ' information based on name or social security number similarities. 
Agencies disregarding prescribed protocols for managing disputes. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes. 
Be informed if information in my file has been used against me in credit applications or other transactions. 
Dispute and request bureaus rectify and expunge incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed in compliance with FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items flagrantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced by my recent denial for extended credita direct consequence of errors originating from your agency. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX This address is not correct. Delete it immediately from my report. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX This address is not correct. Delete it immediately from my report. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 



I trust in your prompt action to rectify these violations within the specified timeframe mandated by the FCRA. Failing compliance will, regrettably, necessitate pursuing legal measures to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information to Experian and the following accounts came back verified but still show inaccurate information. XXXX {$3600.00}. Historical payment data is still inaccurate after investigation was completed. Still showing a past due balance, account was charged off/ should reflect XXXX. XXXX {$4100.00} historical data is incomplete and inaccurate even after investigation was completed. Showing a past due balance. Account was charged off. Balance should be XXXX. XXXX {$9600.00} Account is still inaccurate after investigation was complete. Historical data is incomplete and inaccurate. Past due balance is inaccurate.XXXX  {$10000.00} was investigated and account is still inaccurate. Responsibility is inaccurate after investigation completed. Authorized user.Past due balance is inaccurate.XXXX  {$5900.00} Account was investigated and is still showing inaccurate information. Past due balance. Account was charged off. XXXX {$10000.00} Account was investigated and still showing inaccurate information. Past due balance. Account was charged off.
Product: Money transfer, virtual currency, or money service

I sent the wrong person the money and they didnt send it back
Product: Checking or savings account

I signed up for a {$400.00} Citi bank promotion. The {$400.00} promotion required {$15000.00} to be deposited. They failed to send me a PIN so I wasn't able to open online banking and fund my account with the required amount. Due to the COVID lockdown their physical locations were closed. I reached to them on the following dates to solve the situation on time but they never got back to me : XXXX XX/XX/2020 ( got a replied for them to tweet back on XX/XX/2020 ) XX/XX/2020 XX/XX/2020 XX/XX/2020 Chat XX/XX/2020 XX/XX/2020 XX/XX/2020 Calls XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ( they opened a case for me ) They were not helpful at any time. After going through so many hoops on XX/XX/2020 they opened a case. They denied me and never even informed me.
Product: Credit reporting or other personal consumer reports

Credit acceptance has been unethical and deliberately alienated the credit bureaus to believe that I owe false debt. XXXX XXXX and XXXX are in violation of 15 USC 1681 2 ( B ). Reporting without my consent. Notice of violation XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on 03/01/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

MACYS/CBNA is inaccurately reporting the balance on this account, which does not reflect my actual payment history and current balance, thereby violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under the FCRA, creditors and credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in a consumers file ( 15 U.S.C. 1681e ( b ) ). Additionally, if a consumer disputes an item, furnishers of information are required to investigate and correct any inaccuracies, generally within 30 days ( 15 U.S.C. 1681i ). This misinformation has caused undue harm to my creditworthiness, as it incorrectly displays both late payments and an outstanding balance on a closed account. I am requesting the immediate removal of these inaccuracies from my report, including the elimination of any reported late payments and balance owed. Alternatively, I request the removal of the MACYS/CBNA account altogether from my credit file to resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase on XXXX and paid for it with the XXXX credit card from Synchrony Bank. About 15 minutes later I received an e-mail from XXXX that the charge had been denied and advising me to contact Synchrony Bank. I called the Bank, spoke to a representative and then asked to speak to a manager. The manager informed my that the Banks credit terms provide that the Bank can cancel the credit card for any reason. I said I have no problem with that ; I have a problem with not being notified that the card has been cancelled! Her response was " We don't HAVE to notify you. '' Consumers should not have to use a CC, have the charge refused, and then call the issuing company to learn that the card has been cancelled. If the CC company can send notification of interest rate changes, arbitration changes, minimum payment changes, etc., they can certainly send a notification that the card has been cancelled!
Product: Prepaid card

I applied for a RushCard XX/XX/XXXX, XX/XX/XXXX it was my first time using the card for my payroll DD. Their system shows that my deposit posted on XX/XX/XXXX however, I never received it as an available balance. I have made several phone calls to their Customer Service department with still no resolution. I am not able to pay my rent, my utility, or my car note. I 've also made several attempts to speak with XXXX XXXX on social media channels, he just asked for my information and nothing was ever done still. XXXX his colleagues by the name of " XXXX '' contacted me last week Thursday assuring me that my funds would be made available that day and still my money is not available, and all his customer service department can say is there is a system glitch and they have no timeframe for a resolution. I have a XXXX daughter I just want what 's mine, what I worked hard to earn. He continues to say on social media the concern is resolved when actually it 's not and that 's a blatant lie.
Product: Money transfer, virtual currency, or money service

I am writing for help to get my balance of {$100.00} that is being held by CASH APP in my account under the user name $ XXXX. I no longer have access to the account since i got a new phone number, and they will not help me update or access my money/ account. I have been trying to contact them on and off since XXXX to resolve the matter, and to date, they have not given me my money. I only get automated responses that don't apply to my situation. 

They have a bad set of practices that prohibits me from being able to access my account simply because I got a new phone number, and wouldn't allow me to update my information. My old phone number that is attached to the account has been reassigned to someone else. I notified them numerous times that I'm locked out of my account and can't get my money. They have done nothing to help me and they have possession of my {$100.00} under that account name. 

I have since opened a new account under the name XXXX XXXX and same email address as before XXXX. the new phone number associated with the new account is XXXX XXXX XXXX. I was hoping they would forward my balance to the new account but I'm entirely frustrated. 

Please help me get my money Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

WAYPOINT is claiming that I owe them {$540.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item that keeps being put onto my credit report by all three major credit bureaus. The item is from XXXX XXXX XXXX. 

XXXX XXXX XXXX filed a lawsuit about the alleged debt and the case was dismissed due to " There is not sufficient evidence to continue prosecution of this case. '' and the case was dismissed. I have asked for this to be removed and to not be reposted to my credit report and it continue to reappear on all three bureaus. 


All three credit bureaus XXXX Experian XXXX Debt Collector XXXX XXXX XXXX Amount of alleged debt {$2400.00} Account # XXXX Court Justice Court XXXX XXXX XXXX XXXX County Texas Case Number XXXX Dismissed Date XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unemployed due to XXXX XX/XX/2020. 

On XX/XX/XXXX, I asked XXXX XXXX XXXX for a forbearance. It was granted XX/XX/XXXX. They said it would be for 3 months - XXXX, XXXX, and XXXX. 

I obtained employment in XXXX. I made a payment for XXXX, on XX/XX/XXXX. I called XXXX XXXX to let them know I was ready to resume my payments on both my mortgage and HELOC. I also made a payment for XX/XX/XXXX on The HELOC. 
They have charged late payments XXXX XXXX XXXX and XXXX. 
I was told it would take 60 days for me to be removed from the forbearance. I aske and called repeatedly trying to figure out what was going on. I was told my XXXX payments were applied to my XXXX payments. When I was given the forbearance I was told the months of XXXX, XXXX, and XXXX would be applied to back of my loan. Instead, they have reported me late on both accounts every months since XXXX and continue to report me late. 
I made a payment XX/XX/XXXX and they applied that payment to XXXX instead of XXXX. Still reporting me late two months and will not acknowledge the forbearance I was granted. I believe they are trying to force me into foreclosure. As a senior, I feel I've been duped. 
I have called over and over and no one will correct this issue.
Product: Checking or savings account

On XX/XX/2021 a letter of account closure was written, I received the letter around XX/XX/XXXX. The letter mentioned no reason to why they elected to discontinue providing me with financial services. It said that by XX/XX/2021 they will disable any debit card, online banking or bill payment access. It also mentioned that the account will be closed formally on XX/XX/2021. 
On XX/XX/2021 I made a phone call to the bank that lasted about half an hour long, and when I spoke with the customer representative they referred me to a manager XXXX XXXX is the only name they wanted to give out XXXX which then they went in circles talking about the letter that gives no valuable information or reason to why they closed the account and still over the phone they gave me no valid reason to why my account was closed. 
As a customer of a bank ; I always have enough balances in my accounts checking and savings in order to cover any withdrawals or purchases I make. I also have never made an over draft. I see that there is absolutely no reason for them to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did a hard credit inquiry on my credit WITHOUT my permission. 
The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card. 
I already wrote to XXXX XXXX and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/2020 2020