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

This account was charged off on XX/XX/XXXX, Since then the account has been updated as charged off every month. This is an update in the payment history. A charged of account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Purchased By Another XXXX XXXX XX/XX/XXXX Days Late 0/0/0 Month 's Reviewed 0 Term Source Type High Balance {$690.00} High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history No history is available Creditor information XXXX  XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source XXXX XXXX XXXX XXXX XXXX {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history XXXX made 86 % of payments for this account on time. 
XX/XX/XXXX {$0.00} Closed XXXX XXXX currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Unpaid Balance Reported As A Loss By XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source XXXX XXXX XXXX XXXX XXXX {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeo XXXX XXXX XXXX XXXX
Product: Credit card

I received a call from an online store called The XXXX XXXX, asking me to confirm my purchase. I told them it was not mine, yet they had all of my credit card information. They canceled the order, confirmation # XXXX for {$490.00}. They have an email address ( not mine ) and an alternate address in California for the items to be shipped to. They said that information could only be obtained by law enforcement via their fax. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report also # XXXX with. XXXX XXXX, XXXX XXXX XXXX XXXX. I XXXX. I also contacted my bank, Chase Bank, who issued the " XXXX Chase Credit Card '' which I also kept on file at XXXX. I also notified them as well.
Product: Credit card or prepaid card

This involves Apple Card/GoldmanSachs . On XX/XX/2022 my bank ( XXXX  ) processed a payment of {$3200.00} which I did not initiate. Strangely, on XXXXGoldmanSachs Bank put an entry on my Recent transactions ledger, showing the amount of {$3200.00} Declined by XXXX ( in red ). 
I called GoldmanSachs right away when I realized this, but I was told that the money never reached them and that I should inquire with XXXX. I did that but was told that GoldmanSachs has not returned the money. I I called GoldmanSachs again to find out that it would take up to 9 business days for me to receive the money. I kept checking daily to see if the money was returned, to no avail. 
Finally, I went to my bank where after a thorough investigation, I was provided the ACH trace number and was told that GoldmanSachs still has the money. Again, I called GS where I was connected with a manager who told me that he set up the case for me. After another call today, I was told that the money will be returned as a check and it will take up to 9 days. I asked about my payment due date which is tomorrow, but I was told that no accommodation can be made. 
So, GoldmanSachs has been enjoying my money since XX/XX/2022 and is planning to enjoy for 9 more days that is a total of 27 days for FREE!!! I have to come up with funds to cover my Apple Card bill tomorrow because I have to keep to the demands of GoldmanSachs, while that very bank does what it wants.
Product: Credit reporting or other personal consumer reports

I was looking into buying a car so I looked at my credit report and seen that I had damages on my report that I didnt do.
Product: Vehicle loan or lease

On XX/XX/2020, I contacted credit acceptance to discuss temporary financial hardship due to NM state closing various businesses and allowing only essential personnel to work with 10 employees or less due to the coronavirus. When I spoke with the gentleman, he stated they still expect payment but they will stop all collection calls during this natural disaster. They state they can not defer payments and have no intention to do so even though people are affected due to layoffs and inability to work. There are no contingency plans for this disaster with this company during a national crisis. I was also informed that they will still report your late payment after 30 days but will help by using a special code reporting its due to a natural disaster. Ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in 2020 because of my vehicle only which my attorney and the court was aware. Pennymac stopped reporting my loan details to the credit reporting agencies and claims my mortgage was part of the bankruptcy which it was not. I tried to resolve the issue with the lender and credit agencies. The lender replied to all agencies and keeps telling them the information theyve been reporting is accurate even though its not since the loan is active and current.
Product: Checking or savings account

There was an account opened in my name without my permission or consent. At td bank
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for their failure to conduct reasonable investigations into my disputed credit report inaccuracies. Despite my submissions of supporting documentation, Equifax has consistently responded within 24 hours, merely reiterating the account 's accuracy without providing any evidence of a thorough investigation. This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed items. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . I respectfully request that the CFPB take appropriate action to compel Equifax to comply with federal law and provide consumers, including myself, with documented proof of genuine reinvestigations. 

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

On XX/XX/XXXX, I received a personal loan from the XXXX XXXX, XXXX branch of XXXX XXXX XXXX. On XX/XX/XXXX, my wife and I filed Chapter XXXX Bankruptcy which included that loan. The bankruptcy was completed on XX/XX/XXXX, and the loan is being properly listed on my credit report as Chapter XXXX Bankruptcy. 

However there is another loan listed on my credit report under XXXX XXXX. It was also reportedly issued on XX/XX/XXXX, with a last payment made date of XX/XX/XXXX, the exact dates reported by XXXX XXXX XXXX. This loan is being reported as Unpaid Balance Charged Off. I have never applied for or received a loan from XXXX XXXX, and certainly did not apply for or receive two entirely different loans on XX/XX/XXXX, as is currently claimed on my credit report. 

In XX/XX/XXXX, XXXX XXXX XXXX merged with XXXX XXXX , XXXX and on XX/XX/XXXX, the company became known as XXXX XXXX. It appears that sometime between the merger and the final discharge of the debt, the account was transferred from XXXX XXXX XXXX to XXXX XXXX, resulting in a new account number. That doesn't make it a new loan or change the fact it was discharged, however. 

On XX/XX/XXXX, I submitted an online dispute with TransUnion, identifying the duplication and noting this was likely the same loan reported twice. On XX/XX/XXXX, I received a reply claiming the accounts were verified as accurate. I'm not sure how it was verified, but someone, somewhere, is mistaken. 

I contacted the main office of XXXX XXXX on XX/XX/XXXX, to correct this error. I spoke with XXXX and explained the problem, and was transferred to XXXX at the XXXX XXXX, XXXX branch. After I explained again, XXXX told me that her manager, XXXX, was out of the office but would return my call the following day. On the XXXX, my wife spoke with XXXX, and explained the situation yet again. He stated repeatedly there was nothing he could do and claimed if TransUnion was saying it was verified, then it must be accurate. He suggested we contact an attorney if we had further questions. 

I am trying very hard to make sure my credit report is accurate and have hit a brick wall here. On XX/XX/XXXX, after my wife spoke with XXXX, I contacted TransUnion by phone to dispute their results and still have not received any indication that they are doing anything to correct this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently took a look at my credit report and noticed that there is still an inaccurate account that is reporting to my credit report. even after i have sent in several disputes with Transunion the account XXXX  # XXXX displays an open account with a monthly payment of {$1900.00} and a balance amount of {$1900.00} with payment status as CollectionOrChargeOff. this information is completely inaccurate and reporting false and misleading. the interesting fact is that transunion said that this account was verified which is impossible because the information that is being reported is incomplete and not correct. It seems as though transunion and XXXX  is conspiring against me. I am aware that XXXX has to pay transunion to report information to them ( transunion ) so in this case this is a business transaction btwn to the two companies, transunion is continuing to collect those payments to keep their business more profitable, I would like to assert my right of accurate reporting on my consumer report which uses the law 15 usc 1681e ( b ) also 15 US 1681 S consumer reporting agencies do not have the bit of right to report or furnish things on my credit report that is to believe to be inaccurate.
Product: Credit card or prepaid card

About XXXX XXXX, 2017. I paid {$290.00} for a 5 year contract to someone online to fix my computer and keep it working good. About 2 weeks later a man called and said the software he installed was n't compatible with my computer and that he would uninstall it and refund my money. Instead of refunding my money he got access to my Online Banking and was able to trick me which allowed him to take almost {$3000.00} from me. Bank Of America says it was not fraud that caused me to lose the {$3000.00} and I have decided that I will not fight that issue any longer. The issue I have with the credit card company associated with Bank Of America with card ending with XXXX is that the {$290.00} was a fraudulent charge. The company at first refunded the money but now have charged the amount back on the credit card. I received a letter on XXXX XXXX, 2017 requesting more in formation about the matter and stating that I had until XXXX XXXX, 2017 to submit additional information. I submitted that information but there was no way to submit it by the deadline they indicated. The charge was reinstated on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

American express failed to accept documentation that demonstrated I am a victim of identity theft. They have damaged my credit but I can live with that. The problem has become larger now that Ameeican Express has sold the debt to a third party but continues to report that I owe them. Companies are not allowed to double dip and the FTC will need to get involved to mediate in this illegal act. Companies like American Express need to be held accountable to the damage they have caused innocent consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Spring Oaks Capital. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival & ready for pickup via USPS certified mail.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX 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 card

I sent a Security Capital One to discharge my payment pursuant UCC 3-603 and UCC 3-604 , they immediately acknowledged they received my security for payment, but instead of crediting my account, they closed my account which is an adverse action pursuant 15 USC 1691 ( d ) i was unable to pay my monthly obligations without my charge card which negatively impaired my consumer report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Dear Mr. XXXX, case # XXXX In XX/XX/XXXX my XXXX XXXX XXXX XXXX checking account ( XXXX ) was hacked and I had to close it. In the previous two weeks I had sent 5 payments to Capital One ( XXXX ) from that account. I pay my balance immediately. All of them were posted to my account. These payments were subsequently denied by the credit union. So, Capital One then puts all five denied payments on my XX/XX/XXXX statement as if they all showed up on XX/XX/XXXX. When the new account was open, ( XXXX ) I linked it ( XX/XX/XXXX ) to my Capital One account. I sent money to cover the denied payments plus the balance on the account. I had a {$15000.00} line of credit, XXXX miles, all gone when they cancelled my card XX/XX/XXXX. They said the account was closed because of the denied payments. 

I did receive a letter from Capital One dated XX/XX/XXXX informing me the account was closed. Unfortunately, the letter arrived on XX/XX/XXXX. 

Over the course of a week, I talked with three supervisors and explained what happened. I sent copies of the non-authorized debit ACH statements I filed with my credit union. They would not reopen the account. Took a hit on my credit numbers, dropping 40 points at one, 74 points at another. 

I pointed out to the last supervisor I spoke with that Capital One had violated the terms of service by not contacting me per the Security Alerts agreement when the first denial occurred.

Security alerts are provided to you for fraud protection and when  CERTAIN IMPORTANT CHANGES TO YOUR ACCOUNT OCCUR Since I have NEVER HAD A DENIAL OF PAYMENT ON THIS ACCOUNT, I would think it falls in the IMPORTANT CHANGES OCCURING category. 

These alerts are sent AUTOMATICALLY by email to your primary email address and by text to your mobile device number, if you have provided one. '' A service rep ( XXXX XXXX ) confirmed there was NO RECORD ON MY ACCOUNT OF ANY FAX, TEXT, OR EMAIL ALERTING ME TO A PROBLEM. 

My profile states that " AUTOMATIC CALLS AND TEXTS ARE ALLOWED '' and provides both my phone number and email address. 

Had any of your employees done what Capital One is obligated to do and notified me, I could have quickly resolved the matter. Had they contacted me the second time it happened, we could have fixed the problem. Or the third, fourth or fifth. They didn't. 

And what, in my opinion, is really a problem for your company image is that the human factor, the history of payments, the inability to just look at the facts and do the right thing, never happened. Like many of your cardholders, I worked hard to establish good credit. For five years this was the only credit card I carried in my wallet. 

Because of the serious ramifications of you closing an account, you should have a policy in place that you do not close an account without talking IN PERSON to the account holder. 

Im asking you to reopen the account, restore my miles, and notify the credit companies of the reversal. 

I'm sending a copy of this email to the LA XXXX consumer reporter XXXX XXXX. 



Regards,
Product: Debt collection

A collection company PMGI Financial Inc ( XXXX XXXX managing member/owner ) used their Inhouse attorney XXXX XXXX XXXX to file a time-barred debt collection law suit against me. The original creditor is XXXX XXXX who sold the debt to XXXX XXXX XXXX and the collection processes continued. 

The partner law firm of XXXX and XXXX law firm thereafter proceeded to file various documents, some of which without serving me, until they obtained a Judgment. 

PMGI Financial Inc do not have a permissible reason to run my credit report. The neglectful actions of this firm has caused me furthermore financial harm. Due to my seriously distressed financial condition, it has been quite difficult to progress in a new line of work that I need.
Product: Credit reporting or other personal consumer reports

I sent a this request that you reinvestigate the disputed Account from my credit report as well as update this Account from my report. As of this date, you have failed to respond to my request.XXXX  XXXX XXXX XXXX Balance Owed : {$1600.00}
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed fraudulent accounts that I did NOT authorize on my credit report and its preventing me from receiving new credit.
Product: Credit reporting

I have a XXXX XXXX credit card account that was charged off on or round XXXX 2010. XXXX XXXX has been reporting to all the credit reporting agency every month with a increased amounts every month. Since XXXX XXXX has stopped sending me monthly statements after the charge off date. I have no idea what these monthly charges that are being reported to the credit reporting agencies. I am assuming these are interest charges but without some sort of monthly statements how I am supposed to know if these amounts are correct. My point is that XXXX XXXX should be sending me monthly statements per the " Truth in Lendind Act '' if they intend on occurring interest on this old account every month. If they are unwilling to send me monthly statements this account should be deleted from my credit report for none compliance with federal laws.
Product: Checking or savings account

I filed a complaint in XXXX with the Federal Reserve Bank concerning the handling of my bank account at Charles Schwab Bank ( the " Bank '' ). I received a letter today that my complaint is being sent to the Federal Reserve Bank XXXX  XXXX and in addition I was requested to contact the CFPB directly to submit a complaint to you on-line. 

Here is approximately what I wrote to the Federal Reserve : 1. In XX/XX/2021, four fraudulent checks with duplicative check numbers were negligently paid by the Bank out of my checking account as follows : a. Check No. XXXX in the amount of {$2000.00} was paid on XX/XX/XXXX. 
b. A second Check No. XXXX in the amount of {$4200.00} was paid on XX/XX/XXXX. 
c. On XX/XX/XXXX, the Bank appears to have become aware of an error and credited {$2000.00} to my checking account. 
d. Check No. XXXX in the amount of {$2000.00} was paid on XX/XX/XXXX. 
e. A second Check No. XXXX in the amount of {$8000.00} was paid on XX/XX/XXXX. 
2. All checks were written by and to the same person and signed illegibly with signatures unlike in any way the account holders ' actual signatures on file with the Bank. 
3. I signed an affidavit as requested by the Schwab Fraud Investigator, XXXX XXXX, and have been told an investigation is underway. The investigator appears to be currently on leave and can not be reached. Her phone number is ( XXXX ) XXXX XXXX. 
4. I reported the fraud crime to my local Police and submitted that report number to the Bank ( the police officer said he had actually arrested the person named on the checks in the past ). 
5. When I reported the fraud to the Bank, the Bank immediately closed my bank account and did not provide me with a new account for 9 days and only after I exerted pressure through my connections at the Banks brokerage section. 
6. Without any notice or disclosure to me, the Bank eliminated my former checking account from their electronic on-line record system leaving me without any way to download or retrieve past records, including copies of paid checks. This resulted in extreme stress and considerable time to unwind as many automatic payments were rejected and penalties and interest accrued. 
6. I have not yet received the return of my {$14000.00} of funds. My weekly calls to the Bank result in no answer as to the status of my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I got hit with a hard inquiry from chase. I did not notice it until I saw my XXXX XXXX. I called up XXXX explained to them this wasn't me was an act of fraud because I never authorized it. The customer service rep had agreed to remove the hard inquiry from my file.