23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inacccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance to Fair Credit Reporting Act, everythinghas to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) theses accountsare in violation of not reporting 100 % acccurate The credit rerporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer credit report that Transunion provided and I found a number of items on my report that I do not recognized nor did I authorize. Transunion showed blatant disregard for the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX of identity theft and I have submitted all required documents to Experian and XXXX but none of them have removed the fraudulent accounts from my report EVEN when creditors have acknowledged the Identity theft situation, I have contacted XXXX XXXX XXXX in regards of the account XXXX being reported in my credit and they do recognize that said account doesn't have my social security number, neither my zip code nor address, only my name, but that account is still being reported to my credit by XXXX. In the case of XXXX reporting on Experian and XXXX XXXX, those accounts are consequences of identity theft, XXXX is reporting that account with another person and they do not delete that information from my report on both Experian and XXXX.
Product: Debt collection

Robocall from XXXX, with a callback number of XXXX in automated message. 

Spoke to representative, rep claimed that " First USA Bank '' was suing me in civil court for a debt that originated in XXXX and was written off in XXXX for a credit card ending in XXXX. 

Female rep said I had " XXXX options '', settle out of court or ( at this point, I explained that I had no recollection of this debt and that XXXX is well beyond any statute of limitations, at which point the representative hung up on me ). 

I was able to get an address - XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX.
Product: Checking or savings account

I Applied for a TD business account, which TD sent an email I Was denied for the account. 
Td then went ahead and opened the account and gave me an account number and statement with my business. 
TD Then Froze my account. 
I want to close this account now, but TD is saying its glitched and they can not close it, this has been a nightmare. 
No one has reached out to help me at all at TD there support is beyond abysmal.
Product: Debt collection

Pretty much I contacted the credit bureaus in regards to them having to show proof of account being mine Transunion has failed to do so and they keep sending the same letter to me over and over. The law states that if they can not provide me with valid proof of account collection being my debt they must delete it from my credit report file. It has been 2 months going on 3 months of trying to work with them on providing me with proof and they have not done so. In the following attachments I am sending everything I have since the day I contacted them and also the letters I sent and what I have gotten in return. Also receipts.
Product: Credit reporting or other personal consumer reports

My consumer report has inaccurate information that was not authorized by me to be reported. This is both a breach of my privacy and not 100 % accurate, which is a violation of my rights under FCRA.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Collection account. {$260.00} past due as of XXXXXXXX XXXX 
Not mines Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.
Product: Credit reporting or other personal consumer reports

This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX XXXX XXXXXXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX XXXX - XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX - XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

also my name is XXXX XXXX - Please delete all othe rnames your showing on my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 states Reporting Transaction history is illegal.

`A Charge off is considered a certificate of indebtedness which means it is income and must be removed.
Product: Debt collection

Synchrony Bank that collects for CareCredit interest free credit card if paid off within promotional period. 
The website http : //www.synchronybank.com states that one can make " multiple payments ''. This is very important if you are paying on multiple promotions for healthcare, i.e. medical, dental, hearing aid, and/or veterinary bills. These bills have different ending dates for their promotions. They are generally 12 months in length. If not paid by end date, they will collect the combined 12 months of interest. So it is important to schedule all of your payments. 
I chose multiple payments BECAUSE if you don't your payments subtract from the oldest promotion on the bill first, applying nothing to the second or third promotion. Example : Promo 1 balance is {$300.00} ; Promo 2 balance is {$480.00} = Total Balance of {$780.00} 12 months of equal payments = {$65.00} They will only apply the {$65.00} to promo 1 and it will be paid off in 5 months. This leaves 7 months to pay on {$480.00} at about XXXX/month. You have to edit the payment amount online. I called customer service on XX/XX/XXXX and XXXX, 2019 to inquired why I could not make multiple 12 month payments. I logged on to make multiple payments, but you are only allowed to make a total of 12 payments in different amounts. Promo 1, I owed $ XXXX 7 months of {$53.00}. Promo 2, I owe $ XXXX/12 months at $ XXXX/month, but  only can schedule 5 payments, not 12. First call they told me you have to wait 24 hours to schedule another multiple payment, the second time, they told me it doesn't work that way. I have to call every month to tell them to allocate a certain amount that they received to each promotion. This is insane, not user friendly and appears to set you up for failure. 
Also, if you make 2 payments in one month and skip the next month, they will charge you a {$25.00} late fee!
Product: Credit reporting or other personal consumer reports

Here 's a quick summary of what I can remember. 
My bank account paid Axos twice on XXXX XXXX. I requested a refund of one payment asap. They said it would take almost the entire month to do this so I said that is no good, just leave it alone. I then had my own bank do a reversal and it occurred later in XXXX. I called back in to Axos to tell them my bank already did an ACH reversal and so we should be ok now. The Axos ' representative proceeds to tell me my account is current and nothing to worry about. They don't see anything late or missing. I asked if they had sent out a check and if so to please cancel it. I have not received a check from them. If I did, I would have sent them an extra payment to make it up. 

In the mean time, I have made my XXXX and XXXX payments. I get an alert saying my credit scores have dropped. I check and it is drastic. I go from low XXXX 's to low XXXX 's on 2 of my reports. I tried talking to the supervisor on the phone several times with no luck.

They have made up their minds on what they think happened and they are sticking with it while mines and my wife 's credit scores suffer. I don't think this is fair. We didn't get to a high credit profile with multiple loans by having bad financial practices and that's how we feel they are treating us.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax has violated by rights by not having complete and accurate information for : XXXX XXXX XXXX account number ending XXXX. The 'Date of Last Activity ' is INCOMPLETE.
Product: Credit reporting or other personal consumer reports

A dispute was submitted XX/XX/23 for inaccurate reports furnished on a consumer report. All of the inaccurate reports disputed was confirmed to be inaccurately reported and deleted by the consumer reporting agency. These inaccuracies violate 16 CFR Subchapter F, 15 USC 1681, Consumer Financial Protection Act, The Fair and Accurate Credit Transaction Act, Fair Trade Commission Act and The Privacy Act. There was no delivery of opt out notice provided ( 17 CFR 248 violation ) nor was there any verification of the information done with the consumer before the inaccurate furnishing ( 12 CFR 1022 violation ).
Product: Credit card

XXXX XXXX, 2024 I was alerted via email from capital one about 2 charges from XXXX XXXX in the amount of {$130.00} and {$90.00} while I was at work until XXXX and then at XXXX XXXX using my capital one card to purchase a new toilet for my home. 
I immediately contacted capital one to report the two fraudulent charges. When asked if I lost my card, I answered No. They told me they would investigate, as I have been a victim of identity theft since XXXX when someone filed taxes under my social security number. In less than XXXX hours, capital one denied my fraud request and said they found no evidence of fraudulent activity. I have never stepped foot in XXXXXXXX XXXX, I went straight to the police station and filed a report about this, in addition to contacting the FTC and filing a report with them, I also contacted credit reporting agencies to report this fraud. I asked capital one to re-open my case, as this was fraud and then proceeded to upload a XXXX page document to capital one showing that they did a terrible job investigating this company. Simply XXXX XXXX XXXX  would show they are practicing without a license from the department of health as it has been revoked. They have endless reports of FRAUDULENT CREDIT CARD charges on XXXXXXXX XXXX. I spent 2 months trying to contact the owner to demand a receipt just to proof to capital one that I was at work with my card on me while they accused ME, their consumer of falsely reporting fraudulent activity of {$220.00}. Capital one came back with the same response, it was me or an authorized user in which I dont have an authorized user. After 2 months of police reports, XXXX XXXX admitted they have no record of my credit card being used there. They could not produce a receipt, nor show cameras in which I was paying for a service. 
Capital One treated me like a criminal for reporting fraud.
Product: Mortgage

When I took a debt consolidation loan with USBank part of the agreement was for them to pay XXXX . the cashiers check USBank sent to me for XXXX XXXX was reject by XXXX as a third party check. I ended up sending XXXX a personal check for {$1800.00}. It is my credit that will be affected. I notified USBank that this bill was resolved and to please reimburse me. They are refusing to do so. To make matters worse they sent me another cashiers check made out to XXXX XXXX. They already tried that and was rejected. Why do it again. XXXX XXXX is already settled anyway. Why can't they just reimburse me. It is in contract for them to settle this this account. Do they think they think they get to collect XXXX?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

Received letter in the mail that I owed XXXX XXXX XXXXXXXX XXXX {$270.00} from ONLINE INFORMATION SERVICES. I've never even heard of these people I was supposed to have used. I called them and they verified over the phone they have NO record of me ever using their Ambulance service. 

We pay our bills and would never let something go this long!!
Product: Checking or savings account

In XX/XX/XXXX i was online looking to book a trip, i ended up purchasing one that totaled around {$600.00} from a site and i get a msg asking if this is a fraudulent charge and i say no. Then i get a call from " fraud department '' saying my account/phone has been hacked and i download an app and give them access to clear it up. I never questioned this call until way later and assume that my accts were breached that way. I later had to dispute the vacation charge when i never received any actual tickets or confirmation. Beginnings in XX/XX/XXXX, my accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) were somehow hacked and fraudulent charges were made. I didnt notice the transactions immediately but contacted companies as soon as it was discovered. Those cards were canceled out, and new ones were issued. My Jefferson Bank checking account continues to be accessed fraudulently regardless of new cards being issued. Back in XXXX i called Jefferson bank bc there was over {$4000.00} taken out of my account for unauthorized XXXX transactions. They canceled card again and filed a dispute. XXXX XXXX  closed my account after filing a dispute directly with them stating i violated XXXX XXXX XXXX but never told me which ones. I was not issued another debit card at this point by jefferson bank, the only reason i kept the account open was for my disputes that i expected to be credited back to me. i wasnt really happy about this happening over and over. They gave me a provisional credit in XXXX for charges disputed in XXXX. Like i said, i do not have a debit card for this account, the only way funds should be able to be accessed is by me going to the bank myself and withdrawing them. Today, XX/XX/XXXX, i go to bank to withdraw money from acct which should have over {$800.00} in it, but cant because my balance is {$21.00}. I have no idea how any of my funds were accessed by anyone, and im livid at this point. I file another dispute and receive a call back from a lady at jefferson bank saying that theyre debiting my acct for the provisional credit issued for over $ XXXX XXXX cash app says its not fraudulent and jefferson bank wouldnt be disputing the over {$800.00} that i came in to dispute today that some website " paysafe '' keeps charging my account despite me not having a debit card. XXXX is disputing this by default, i did not authorize nor was i aware of any of the disputed charges. That is almost $ XXXX thats being taken from me, and i did not authorize any of those charges., i dont know how hacking works or how ppl access personal info, but i have literally bought XXXX phones during this time, the last one i got with a different provider and brand new phone number. I didnt ask for this to happen to me, and i shouldnt be responsible for things outside of my control. It shouldnt be too much to ask to expect my money to still be in the bank whenever i need it, my money shouldnt be in someone elses hand when i didnt give it to them, my bank did.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. 
Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX 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 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 reporting or other personal consumer reports

In XXXX of XXXX my credit score with XXXX suddenly decreased by several points. The reason was that NelNet, my old student loan servicer, for some reason reported an open balance with them. The issue is that the entirety of my student loan balance was transferred to another company, XXXX. So now suddenly on XXXX end, I had double the amount in student loans. I disputed this through XXXX dispute portal online in XXXX and XXXX. Both disputes ended with Nelnet still advising that I owed them XXXX. Which I didn't, as that entire balance is with XXXX. I was told in XXXX that in XX/XX/XXXX my loans should be corrected. It is now the end of XXXX and not only does XXXX still show a balance with Nelnet, but so does XXXX. 

The last time I asked for a response, a PDF was sent however it was flagged and I was not able to view the response.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

NationStar mortgage purchased my loan from another servicer in XXXX 2015. I have never received a mortgage statement or any other mailing from them. Shortly after XXXX 2015, I realized that the mail was going to another address in my town. This neighbor initially brought this mail to me but became so frustrated with my inability to fix the address issue that they no longer provide this misaddressed mail to me. I called NationStar for 6 months starting in XXXX 2015 through XXXX 2015 to correct the address mistake, each time they assured me it was corrected. I also sent XXXX letters to them requesting address correction, but nothing was done. I have been at the same address for 19 years and I live at the property address that the mortgage is attached to. This is probably the most frustrating customer service issue I have ever encountered in my XXXX years on this planet.
Product: Debt collection

A representative named XXXX XXXX from XXXX Department called me at approximately XXXX saying that they are in possession of a debt XXXX from XXXX from XXXX 2007 in the amount of {$300.00}. He said that I am being named in a Civil Lawsuit as the Respondent pending a lawsuit of up to {$15000.00}. XXXX XXXX never indicated that the call was being recorded nor they were a debt collector trying to collect a debt. I was asking for verification information because I do n't recognize the debt and it 's ten years old. He said he will tell the client that I am refusing to pay the debt, he never offered to send me a copy of the debt either by mail or email. He was rude and angry he also over talked me and then hung up the phone in my face. He never offered to send me a confirmation letter of the debt. He called my estranged husband with the same threats and we are separated.