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

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX/XXXX  {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One or XXXX has failed to show a {$6000.00} account that was fraudulent. That was never on my credit report. Neither part has shown verification of report nor have I found in in my annual credit report. I never had a XXXX XXXX XXXX my XXXX account got hacked in 2015 by someone in XXXX and then my XXXX was hacked a month later. At the time I worked to much didnt know what to do and didnt know any one had cards or loans in my name. Anyone can steal your information and activate a credit card. They need to photo Id
Product: Credit card

My credit card information has not been updated for a XXXX Capital one account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX 1. Account # XXXX XXXX XXXX XXXX 2. Account # XXXX XXXX XXXX XXXX 3. Account # XXXX XXXX 4. Account # XXXX XXXX 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 without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I ordered a XXXX watch from an online site called XXXX XXXX ( which now has a history of defrauding customers ). I purchased the watch using Affirm as the loan agent. XXXX XXXX is now red flagged with the XXXX. I placed the order on XX/XX/year>. I waited over a month and I never received the watch. I tried calling XXXX XXXX but was never able to speak either anyone. I started emailing as I had done more research and realized they were stealing pictures of watches from other websites and posting as their own. After several months, I stated I hadnt received the watch and over email they agreed to cancel and refund my order. Affirm never received the refund. And I stopped making payments as I wasnt going to pay for a watch I never received. I went back and forth with Affirm saying they needed to contact XXXX XXXX and ask for the refund ( which they probably never did ). I sent Affirm the email from XXXX XXXX that showed the order cancellation and refund promise. Affirm did not perform their due diligence and this has negatively affected my credit- which should not be the case. They classified it as charged off. This should affect XXXX XXXX and not my personal credit. They have a history of defrauding people.
Product: Money transfer, virtual currency, or money service

Square , Inc., has been processing payments for a specific line of our products since XX/XX/XXXX and until today they have kept all our sales proceeds and have transferred {$0.00} to our bank account. If it wasnt because of an audit made by our accountant, we would never have realized that they had been keeping all our money. 

Over the past month I've contacted Square at least 4 times via telephone ( XX/XX/XXXX, XX/XX/XXXX, XXXX, & XXXX ), and numerous times via chat and through their web interface. I've provided the information they requested and they still won't transfer my funds. 

Each time I've spoken with someone at Square to try to get my money transferred to my account they come up with a new request for information. If they needed such " onboarding '' information from us they should have never started accepting payments from our customers until they had what they needed. Instead, they seem to believe that it makes more sense to process our payments for two years while keeping our money all this time. Our money has generated Square interest in their bank account that we should have earned. Even if they transfer our money, who is going to pay us for the interest we should have earned? 

I've asked Square to close my account and they refused unless I gave them more information, which I did. They don't review the information within their promised 1-3 days, instead I have to call them to " escalate '' my request and whenever they decide I've waited long enough they respond back asking for more information. It's a never-ending loop where they waste my time and keep my money. How is this a legal practice in the US??
Product: Credit reporting or other personal consumer reports

XXXX and I came to an agreement that I would transfer the property in question back to them in XX/XX/XXXX and I signed an agreement to return the deed and they via email agreed to stop all collection and potential foreclosure action. A contract was signed in XX/XX/XXXX. I NO LONGER OWNED THE PROPERTY SINCE XX/XX/XXXX AND A COPY OF THE SIGNED DEED TRANSFER WAS PROVIDED TO EXPERIAN. THEY CONTINUE TO REPORT IT DELINQUENT THROUGH XX/XX/XXXX IN ERROR. 
After numerous complaints they still state the " Information is correct '' even after getting evidence of the signed copy of the property " transfer of deed ''.

I DO NOT BELIEVE IT WAS EVER INVESTIGATED PROPERLY. 
The WRONG INFORMATION remains on the credit report in violation of USC 1681. Experian Information Systems continues to violate my rights in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX... ; Id : XXXX. 
I tried to dispute the case again on the Experian website and their response is : " the information submitted is irrelevant ''.

They are in violation of 15 USC 1681, s-2, ( A ) ( 1 ) they 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.

RESOLUTION : 1 ) Enforcement of 15 USC 1681 - Remove the incorrect / disputed account. 
2 ) Complete removal by XX/XX/XXXX XXXX ) If not removed with confirmation by XX/XX/XXXX I will file for criminal charges with the TN Attorney General. 
4 ) Also will seek services of counsel for complaint to be file in Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of collections account, XXXX, Account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX continuously reporting I owe {$310.00}. I requested proof that I owe this balance such as a contract with my signature, but the bureaus keep responding that " this account belongs to me, '' without providing the proof as requested.
Product: Mortgage

Due to XXXX  and reckless misinformation on the Discover XXXX XXXX website, I dont know whether my automatic payment has in fact been cancelled or not. I also dont know whether my one off payment has in fact been processed correctly. The website says to call in but their call center is not answering.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 I requested a blocking on accounts being furnished on my consumer report, I also provided an Identity Theft report with the complaint to Experian. Today XX/XX/2023, XXXX set. I received a letter from Experian denying my rights to a Block on these on accounts reporting because of Identity theft. Also they are acting in bad faith, the day that I requested my complaint, provided a copy of the Identity theft report. That was file with the FTC, also proof of address, Identification ( drivers license ), copy of my social security card, and a copy of a CFPB report. Now they are using a stall tactic asking for the same information that they are asking for. I have uploaded a copy of the stall tactic letter, for the response for my Block that I requested myself. Also, ID, proof of address, social security card, FTC report and CFPB report. My initial complaint reads as follow There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included my current credit report, Drivers License, Social security card, proof of address, FTC complaint, CFPB complaint, and the email that I received denying me my rights to a BLOCK, also explaining the stall tactic asking for information that was provided from the beginning
Product: Debt collection

15 U.S.Code S 1681b Violation I have no contract with these collections Companies .And the 3 Credit bureaus will not take them off my credit report
Product: Credit reporting

I have some inquiries on my credit reports that I did not do. I also received a letter from the XXXX turning me down for a car loan.I called and they stated it was nothing they could do they got the info from a place called XXXX ( this is XXXX of the inquiries on my report ) I disputed this with equifax and they stated it was valid I dont understand how. Please help me I need assistance, i did not apply for a car loan I have a vehicle I just obtained in XXXX 2014. I also tried to put an alert on and for some reason I always get an error online or when i call it states i can not do it by phone.
Product: Credit reporting or other personal consumer reports

I requested XXXX collection agency to conduct an investigation and produce an original copy of the alleged agreement between there company and myself. I also asked TransUnion to conduct an investigation. By the provisions of the Fair Credit Reporting Act, to investigate and remove all items that are inaccurate and falsely reported. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), of the Fair Credit Reporting Act you must complete this reinvestigation within 30 days of receipt of this letter and also provide me proof of the findings of the investigation results. Please provide the original contract. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on XXXX Card - partial account # XXXX ( please see page 4 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report and understanding that based on 15 USC 1681 any inaccurate information needs to be removed. The credit bureaus are not making sure that they are getting these inaccuracies off my credit report. As a consumer I have a right to have all alleged fraud or unverified items off my credit report but yet the Credit Bureaus is not taking this matter seriously. I have attached a copy of my ID and my FTC report
Product: Credit card

Hello there was a fraudulent opened discover credit card in my name without my permission. I did not authorize this account to be opened in my name. I have contacted discover several times to close this account and remove this debt and account from my credit report discover have refused to help. I have sent discover multiple police reports, identity theft reports. I have several letters from discover stating I owe a XXXX balance and the account would be removed from credit report and they still have not removed.
Product: Debt collection

I received a collection notice from professional claims bureau Inc. Claiming I owe them a debt the purchased from XXXX XXXX XXXX XXXX university XXXX XXXX date XXXX Now I want to be crystal clear I was never in that XXXX on that date is this some kind of scam let me know
Product: Debt collection

The attorney has engaged is unfair and deceptive practices in violation of FDCPA in his actions related to the attempted collection of a credit card debt which his firm bought from another agency. 
The debt is time barred, and as such can not be used as grounds for legal action. 
This attorney referenced an entry of judgement for which I was not aware nor properly notified nor properly served. 
In my attempt to resolve the debt in good faith, I provided financial information as a means to establishing a repayment plan. The attorney represented that they would cooperate with me in arriving at resolution. 
Instead, the attorney, without due notice levied my personal bank accounts. 
With the difficulty I have encountered in making contact with this attorney and his firm via phone, email, and correspondence via mail, I have not been given sufficient opportunity to communicate effectively nor has the attorney been forthright in their communication with me. 
My demand is that this attorney immediately be order to cease and desist all and any actions against me in the matter of collecting a debt, and be investigated by your office for disciplinary action.
Product: Credit reporting or other personal consumer reports

I can not access my Experian online account. None of the steps offered work. Following their instructions online and in their telephone recording do not work. Calling Experian does not help. The selections offered in their phone tree are extremely limited. The phone number provided as a Consumer Contact merely refers users back to the website ( after many steps ) for instructions I already tried there or to obtain the same instructions by mail and then hangs up. They do not offer the opportunity to speak with an agent. A company that operates a supposedly consumer friendly website and has such a pervasive presence in our lives should maintain a suitable means -- by telephone -- to address problems when the website is not working as intended.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Experian emailed me a notice that 3 GOOD things happened to my credit and when I checked my score they ( EXPERIAN ) had decrease my credit score by 3 points. The 3 GOOD things that happened are 1 ) The credit limit on one of my accounts INCREASES. 2 ) The credit balance on one of my accounts DECREASED. and 3 ) The credit usage on one of my accounts DECREASED - All GOOD things to improve my credit score, however Experian DECREASED my score by 3 points. 

Previously on XX/XX/XXXX Experian reported my score to be 3 points higher.

I can not find any means to contact this company about my scoring of my credit.

I seriously have my doubts about the accuracy of their credit scoring and wonder if it is a scam so that they can sell their services to increase credit scores.

I believe the government should look into the practices of these reporting agencies which have become just another marketing scam.

I have my doubts if I can ever increase my credit score under these types of practices.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which governs how Credit Reporting Agencies ( CRAs ) access and use consumer credit reports. The FCRA 's purpose is to promote fairness, accuracy, and privacy of consumer information.

My personal information is incorrect and compromised. I do not live in any two of the personal addresses they have. They say its accurate and its not at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX and XXXX XXXX. Please remove these accounts ASAP.
Product: Credit card

I have Pay Pal accounts, I recieved e-mails saying that I bout XXXX currency on my Pay Pal account for {$200.00} on XX/XX/2024, next on XX/XX/XXXX another e-mail said I owed {$720.00} for XXXX XXXX On XX/XX/XXXX another E-mail for {$390.00} form XXXX XXXX. Each time I contacted Pay Pal and was told that they didn't get the money yet so they couldn't do anything. I told them to cancel my accounts then and they said wait I'll get a supervisor. She assured me the I would not be responsible if they did get anything. I opposed that idea because I would have to go through the XXXX. I told them to issue me new cards and change my account numbers, which they did. On the XXXX I recieved a letter form Pay Pal asking for XXXX XXXX to resolve this issue without any return phone number or agents info. Now today I recieved another bill now stating that I bought a XXXX inch TV for {$590.00} that will arrive soon. I have never responded to any of the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is marketing a product on their website that is deceptively disguised as a credit freeze/unfreeze. Currently I have a credit freeze on with Experian. I went to their website and created an account to temporarily unfreeze in connection with a loan application. Once on their website, under the " Protection '' page, I encountered a heading that states : " Your Experian file is unlocked '' I take that to mean my credit freeze had been released. In actuality, that statement has no relation to my credit freeze, rather, Experian is using this statement ( " Your Experian file is unlocked '' ) to scare people into buying an Experian product called " XXXX ''. This is a deceptive practice, it should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Call XXXX XXXX to inquire bout the notification requiring the inquires.The company direct me to call the credit bureau.Credit bureau states it was factual information.Its not.
Product: Credit card or prepaid card

Payment due date of XX/XX/XXXX -- I log in on XX/XX/XXXX to pay, but bank says it is past XXXX and my payment will be recorded the next day XX/XX/XXXX and in the process assessed me a late fee of XXXX dollars. 
-- I called the bank to verify that this is allowed, that a payment made on my due date can be late even though I paid on my due date, the agent says yes, and there is nothing that can be done about it. 
-- I want to verify from the CFPB, is this true, can I really be charged a late fee even though I paid before XXXXXXXX XXXX in my time zone on the payment due date? 
-- This has never been an issue with any of my other credit cards. I thought it was a due date, not due time. 
-- If this is allowed, I have already paid what I owe and will close all accounts with this company, but if this is not allowed, then the practice should be made to stop and my XXXX dollar fee refunded. 
-- Please see the time stamp on the screen shot I took after my payment on XX/XX/2022 -- Thank you -- late fee on due date
Product: Checking or savings account

hi i have two disputes open with current bank from XXXX XXXX it still is in review the charges were in XXXX XXXX XXXX XXXX and i can prove where i was with XXXX timeline also they denied multiple transactions but approved two and i didnt recieve any notificationp
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that there is a record of one late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see screenshot attached :