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

The account XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATE OPEN XX/XX/XXXX XXXX {$49000.00} has inaccurate and incorrect information. Equifax is showing a date reported XXXX XXXX when XXXX is showing a date reported XX/XX/XXXX. This information is inconsistent. Please see attachments for verification. I would would like for this account to be removed from my credit report because it is not following the rules or guidelines for the consumer credit reporting.
Product: Credit card or prepaid card

American Express Simply Cash Account ending in XXXX and XXXX American Express Account ending in XXXX raised my interest rate 5 % on my XXXX statement. I have paid on time and as agreed on these cards and on all cards for the past 10 years. First the representative told me that my fico score had lowered. I asked to speak to her manager and the manager told me that American Express had not raised interest in 5 years and so now they were raising everyone 's interest. I told her this was not true as on both cards during 2018 my interest had been raised 1/4 % 4 to 5 times. I asked to speak to her supervisor after she demeaned my intelligence on the telephone. This is an unfair business practice and they have no right to obtain {$10.00} extra per month per card. I have been an american express customer for 20 years and have no negative information against me. AMEX lowered my XXXX card credit from {$24000.00} to {$2400.00} seriously causing me problems to complete my remodel of my apartment building and to purchase the necessary supplies to run my vacation rental. XXXX card lowered my credit from {$13000.00} to {$3500.00} causing difficulty to supply my units with stoves and refrigerators and to finish the remodel of my building. PLEASE NOTE : I HAVE A SECOND ACCOUNT : CARD NO. XXXX XXXX XXXX : INTEREST RAISED FROM 13.99 % TO 18.99 %.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my Transunion credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

delete hard inquiries 15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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, credit repair services, or other personal consumer reports

i was added to my husband XXXX XXXX XXXX 's account at Kohls department store as an authorized user a few months ago. He had a high balance when i was added. The next month i asked to be taken off account as a user because the balance showed up on my credit account and lowered my score. They took me off the account. It still shows a high balance of XXXX on my account as an authorized user on credit reports. I have since in the last few days opened my own account at Kohls in which it does not show up yet. But i want my husbands account balance off my credit report - please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a collection debt on my reports from XXXX XXXX XXXX. I contacted to validate debt and informed it was sold/ '' now owned '' by a law office local to me and that they could not talk to me any further about the account. Upon contacting the law office I was informed that their was a judgment ( {$870.00} and higher than what was showing on my reports ) against me and they did validate it. I offered to pay in full right away over the phone and documents/everything in writing was prepared saying debt was settled/paid in full. They also stated that a writ of garnishment was sent to my employer, but that they would immediately send out a termination of garnishment letter to my payroll dept. 
Well, a week later I receive a letter from my payroll stating a garnishment will be talking place with other supporting documents of court judgment and local court house I must contact to file an objection. I immediately contacted the court for an objection and my payroll was faxed all my supporting documents to stop this, only to be garnished less than two weeks after I paid. I was also still showing an open account from XXXX XXXX on my credit reports with a higher balance!? I contacted the law office again and they stated it was up to Midland to report to credit agencies and stop my garnishment, but they had sent all paperwork to them? 
I have also disputed my reports with all three agencies and they state that the account in question has been verified as accurate and just " updated '' it which now re-aged the collections account and total debt owed?! 
I have also contacted Midland through their web portal dispute my account that now shows a {$60.00} balance still owed?! They have not responded! 
This is harming me trying to get new rental/home leases!
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT NAVIENT 2 LATE PAYMENTS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$3500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account on credit with XXXX XXXXXXXX XXXX opened XX/XX/XXXX Shows account is open.this account is not open and last reported XX/XX/XXXX. Ive disputed this several times of which I was informed this account is reporting accurately. This is immensely impossible for an open account to not report for 6 years! It is reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This complaint is to augment a previous complaint which we filed ( CFPB Complaint XXXX ). I will attach the previous complaint to this one for your reference. In short, PayPal responded to our original complaint in an unacceptable and unsatisfactory manner. PayPal removed money ( {$140.00} - XXXX XXXX and XXXX United States Dollars and XXXX cents ) from our merchant account due to a chargeback that our customer allegedly filed ( and wrongfully won ) directly with their credit card processor. Because of that, money was obviously removed from PayPal 's account and, in turn PayPal removed money from our account. There are many issues with the actions taken by PayPal and the unknown credit card processor which I will outline below. 

XXXX. The chargeback that the client allegedly filed directly with their credit card processor for " item or service not as described '' provided no evidence of how the item was not " as described. '' Upon later speaking with a PayPal account executive on XX/XX/2023 in regards to CFPB complaint XXXX, they similarly did not have, or apparently attempt to solicit, any evidence of how the item was " not as described. '' As such, we have effectively had money stolen out of our account and no one, including PayPal who took the money, has any idea why. I demand that PayPal either obtain evidence of how the product was not " as described '' or return the money. 

XXXX. In the conversation of XX/XX/2023 with regards to CFPB complaint XXXX, PayPal 's position was, essentially, that this situation was not their fault and that they had to go with the decision of the credit card processor whom awarded the chargeback to the buyer. This is, of course, an outright lie, because no one is obligating PayPal to take money from us simply because someone took money from them. Furthermore, upon asking for more information regarding the credit card processor and issuer, like, for instance, who they are so we can contact them directly, PayPal refused to provide this information. I demand that PayPal provide us with this information and/or be held accountable for the chargeback process and its results if they insist on keeping this information secret. We shouldn't be losing money to someone we can't even identify. 

XXXX. In the conversation of XX/XX/2023 with regards to CFPB complaint XXXX, the call must have either been disconnected and/or the account representative simply hung up because they could not defend their faulty position of taking money out of our account. I demand that, as a response to this complaint, we get a full resolution and a direct point of contact ( with a direct phone number to an authoritative account executive ) for the issue to ensure that PayPal 's account executives don't simply disappear without answering our concerns and leave us with their useless and ineffective general customer service team.
Product: Credit reporting or other personal consumer reports

FRAUDULENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT COLLECTIONS 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

I was victim to online theft by someone that was convicted by the US Department of Justice for the charge off on my credit report to serve 10 years in prison. The amount is {$15000.00} from XX/XX/2019. I have supporting documents if needed of conviction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was to added to a Wells Fargo Rewards card on XX/XX/XXXX as an authorize user without my consent. I never used the card and I have since been removed from the account. The account, however, is still on my credit report. The balance due fully belongs to someone else. 
As reference I already have a Wells Fargo Rewards card that was open on XX/XX/XXXX in which I am the sole owner and user. The card has a higher balance and my usage and payment history for the last 5 year has been perfect. I have never missed a payment. 
Please remove the Rewards card opened on XX/XX/XXXX from my account.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I notified American Express Company of a billing error. American Express Company proceeded to close my account without resolving the billing error complaint and without providing proof of a complete and thorough investigation pursuant to section 15 USC 1681s-2 ( b ) of the FCRA.

Furthermore American Express continues to report a charge off on my credit report and to the credit reporting agencies,. 
According to the IRS a charge-off is consider a certificate of indebtness which means that it is income.

According to 15 USC 1681 ( c ) it is illegal to report a consumer 's transaction history, and must be removed.

AMERICAN EXPRESS continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ).

AMERICAN EXPRESS is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency without my written request and without my prior written consent 5 U.S.C. 552a ( b ).

AMERICAN EXPRESS is violating 15 U.S. Code 1681 ( a ) by reporting inaccurate information,
Product: Debt collection

This is regarding the account : SOUTHWEST RECOVERY SERVICE XXXX XXXX XXXX XXXX, TX XXXX AMOUNT ( XXXX ) : {$910.00} ORIGINAL CREDITOR : XXXX XXXX DATE OPEN : UNKNOWN This is the third attempt requesting verification and documentation of the alleged debt. This account in violation 15 US CODE 1692g. Ive requested that you provide to me verification of this alleged debt. VERIFICATION CONSISTS OF A FORMAL DECLARATION. WHERE YOU SWEAR TO TELL THE TRUTHS OF THE STATEMENTS OF THE FACT OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond-ing local state laws. Please note that I am requesting validation, that is competent evidence bearing my signature, regarding original documents, showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX  credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit card or prepaid card

Greetings, I am writing this complaint with regards to my Netspend account ( Acct. # XXXX ). I previously wrote to CFPB ( XX/XX/2021 ) and Netspend ( XX/XX/2021 ) ( see attachments ) regarding the closure of said account and have yet to receive a response. Netspend canceled my debit card and locked me out of online banking without sending me funds owed from my account. I am unable ( at this point ) to check banking statements and none have been delivered to me. 
I am requesting to review the last three months of my Netspend account statements XXXX XXXX XXXX ) and the return of all monies owed. 

Thank you, XXXX XXXX
Product: Mortgage

Statement date XXXX/XXXX/2015 and the latest correspondence from Wells Fargo Home Mortgage. In depositing funds into and for my monthly mortgage for XXXX 2015 of {$300.00} and unapplied funds of {$540.00}, which sat in my account since XXXX XXXX, 2015. I asked the teller at the Wells Fargo route XXXX branch in XXXX, NC to total and add the deposit which totaled {$840.00} to my current XXXX monthly mortgage. She and XXXX of the bank supervisors looked over the account, saw that the unapplied funds were there and specifically asked " how would you like you 're deposit and unapplied funds applied ''?. To which I replied to my current XXXX monthly payment. In the latest statement dated XXXX/XXXX/2015, I see that my request was not honored and that when Wells Fargo received these funds, they applied {$170.00} to principal, $ {$420.00} to principal and {$220.00} to escrow. While the statement states Unapplied XXXX / Unapplied {$300.00}. I write this in frustration and awe as to the tactics Wells Fargo Home Mortgage displays on a daily basis when it comes to my account, as if this is a game to them. I hereby request a Forensic Audit on my account to clarify how the deposits that I have made, have been applied to my account. It is troubling to say the least that Wells Fargo continues to taunt customers into believing they can not understand exactly what is taking place. Especially when it comes to understanding ones account. I currently posses all of the deposit slips I have made and personally walk into the bank, speak and know bank managers personally when making my deposits and I do this for this very reason. Not to just exchange pleasantries, but to also make certain that all my deposits are accounted for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/07 Balance : {$960000.00}