23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Experian has fraudulently put a derogatory remark on my credit profile listed as XXXX XXXX XXXX. As I have contacted Experian to resolve the fraud with dispute XXXX XXXX they had told me no verification of debt was needed and that their client also does not need to verify the debt violating numerous laws. Once I stated I needed to speak to the supervisor or fraud department to resolve the issue they refused to transfer me. The number I called was XXXX XXXXXXXX I got XXXX, XXXX, XXXX and XXXX each time I called they hung up during the transfer to a supervisor and refused to transfer my call to the fraud department. When I disputed this in the past, I have made a complaint to CFPB to investigate the activities at Experian with regard to this matter file XXXX  XXXX. As you see Experian responded to you with a LIE saying they were working on the dispute, when in fact they have closed the dispute without any verification of the debt AGAIN and have given no further information on the validation of the debt since. Experian is conducting fraudulent business practices hurting the public, lying to regulatory authority and breaking federal laws.
Product: Credit card or prepaid card

I was checking my credit report, and discovered a fraudulent account is reporting by MACY'S/DSNB ( ACC NO : XXXX ). I contacted with Macy 's and credit reporting agencies and stated that this Macy 's account did not belong to me. Also, I filed FTC Identity theft report and submitted this document to the company and credit bureaus. The XXXX, XXXX, and XXXX  deleted this fraudulent account. After all, XXXX reinserted the fraudulent account back to my credit report.
Product: Money transfer, virtual currency, or money service

I have been trying to dispute {$2700.00} dispute transaction since the day that I was originally discovered him on my account. I have sent multiple emails and calls about these massive amounts of money. I can send whatever proof I need to send to support my fact that that money was stolen from me. i would like to dispute it and refund my money. i would like to dispute it with XXXX i filed a police report, fraud investigation report and notified dof and the attorney state general as well as XXXX prosecutor office. i really need to dispute these charges. the money in my account was for school. it is XX/XX/XXXX and my very last semester. i can have my school testify to that as well. this is really important and i have worked too hard to be this close, please if there is any way i can have this taken off my account i will do it. i have all the evidence to support that my money was wrongfully taken. i was desperate to get what i needed for school. i paid under the impression they would give me what i had in my account. they didnt. that is the company XXXX  so can i dispute it with them? please if there is anything anything anybody anything i can do to recover what was taken from me. i will do whatever and send all the proof i have to whoever needs to see it to put my money back so i can finish please help me or please do anything to dispute this transactions and recovery my money. 
This email message and its attachments are for the sole use of the intended recipient or recipients and may contain confidential information. If you have received this email in error, please notify the sender and delete this message. I had XXXX and I believe XXXX stolen from me and I'd like my money back asap.
Product: Debt collection

I noticed my credit score declined and it showed an unpaid debt. 
I contacted resurgent capital services at XXXX and explained this was not my debt and asked for the corresponding account number and entity. They said they could not tell me the account number. I asked to dispute the debt and sent a certified sign receipt letter to them. 
I received information showing XXXX XXXX acct ending in XXXX. Reference ID XXXX. Original date XXXX charge off date XXXX amount XXXX. I never receieved any information from anyone until I saw it affect my credit score and called them. I have never used this bank. Years ago I had a credit card that I had to prepay with {$2000.00}. I cancelled with them and they closed the account and sent me a check with my remaining deposit. It took them XXXX weeks to send the check so everything had plenty of time to clear. Thats the only idea I have of something that could have been XXXX XXXX  The card was not in that name at that time. It was called first progress. I see them listed as a predatory secured card on multiple sites. 
The only conclusion I can come to is that the cancelled card erroneously charged my card after the account was closed and never sent a statement. But they waited XXXX weeks to send my {$2000.00} deposit back so there was plenty of money to have paid any charges if they were prior to the cancellation of the card. When I spoke with the debt collector they stated they have had multiple complaints about first progress adding charges after accounts were closed. 
I am hoping to have this removed from all XXXX credit bureaus. I appreciate any help you can give. 
XXXX
Product: Credit reporting or other personal consumer reports

UPON VIEWING MY CREDIT FILE I NOTICE THAT THERE WAS MULTIPLE FRAUDULENT ACCOUNTS THAT WAS ESTABLISH IN MY NAME WITH NAVY FEDERAL CREDIT UNION AND XXXX XXXX IN OR AROUND THE FOLLOWING DATES : XX/XX/XXXX AND XX/XX/XXXX OF 2022 AND XXXX XXXX PLEASE BE SO ADVISED THAT I HAVE NOT GIVEN ANY ONE MY EXPRESSED PERMISSION TO ESTABLISH THESE ACCOUNTS IN MY NAME THIS INFORMATION IS INACCURATE AND REPRESENTS FRAUD AND IDENITY THEFT. IT FURTHER REPRESENTS A CLEAR VIOLATION OF THE ( FAIR CREDIT REPORTING ACT 15 U.S.C 168i
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Product: Checking or savings account

I have had a Simple account for years. They switched to BBVA this weekend ( on a Saturday!! XX/XX/21 ) and it has been a disaster. I have called the numbers they tell me to call. I keep getting hung up on. I am locked out of my account. They originally didnt have any customer service hours on the weekend and added them when they realize what a problem they had. But you still cant get through and the call center is pretending not to hear you. I mean they might not actually hear me.. but I dont believe it.Errors galor. This is unacceptable. I dont even know if the username and password I picked are correct. No emails from the company explaining. I cant believe it. This should be illegal ( if it isnt! ). 
I have bills due Monday and I dont even know if I will be able to pay them becuase I dont know if my account is working.
Product: Payday loan, title loan, or personal loan

I tried apply for a car loan one day then out of no where I look at the credit report that they give me and I see that Oportun was on there even though I never got approved for a loan with them and it started affecting my credit with late payments when I wasnt even aware of this problem. I never received any type of money from them or anything and I did not sign any paperwork for that loan
Product: Credit reporting or other personal consumer reports

XXXX I was informed thru a credit reporting agency that my information was stolen in a data breach in XXXX. When I looked at my credit report there were multiple collections for debt that was not mine. I filed a police report and with the report from the FTC on identity theft and the officers information I sent to the debt collector, and the reporting agency. Also documents showing I wasnt in the state where the charges were being made. Upon the credit agency reporting the investigation was done there were no reports about the results of the investigation or how they still believed that the debt was mine. I have not received any documentation from debt collectors or from the reporting agencies. I keep reporting it as identity theft but nothing gets done. The debt collectors are lying and keep reporting that I am paying on the debt which is absolutely false. Since nothing was being done and I was falsely being accused of these debts I put a freeze on my credit and it has been on there for two years now so I wont get another debt that isnt mine.
Product: Credit reporting or other personal consumer reports

I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. 

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XX/XX/XXXX you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.
Product: Student loan

On or around the 1st week of XX/XX/XXXX I called XXXX to see if I qualified for the Obama student loan forgiveness program they had advertised about. I was advised they were with the Dept of Education and that I did qualify for the Obama student loan forgiveness program. I was informed I would have to do 5 pymts of {$99.00} then my loan would be forgiven through the Obama student loan forgiveness program. I then made arrangements for the 1st pymt of {$99.00} to be made on XX/XX/XXXX. I received a letter from XXXX XXXX advising that they would be handling my student loans and that my pymts would be XXXX dollars based upon my income. on XX/XX/XXXX I called XXXX because I wanted the last 2 pymts to be processed on XX/XX/XXXX which was the next scheduled pymt date. I spoke with a lady who advised me that they never take ymts or set up any type of pymt plans that they were a student loan advisory company I explained to her this was number I had called and they took my info and set up this plan so that I would be in the Obama student loan forgiveness program and that they had already taken 3 pymts of the 5 she hung up on me. I then called XXXX XXXX and I was informed there is no Obama student loan forgiveness program and that I had been set up on a plan that is income based driven. And that it was fraud that they never heard of RIVERWALK. The representative advised me to do a fraud claim with them which I did why I was on the phone. He also advised me to stop pymts and not to pay anything else to RIVERWALK because it was a scam. I went to my bank and did just that. My bank tried calling the number on my bank statement to inquire about the drafts and where the money went XXXX at my bank was hung upon as well after being told that they had no clue as to what she was talking about on my bank statement it shows as XXXX RIVERWALK XXXX TX XXXX RIVERWALK XXXX. Yet they knew nothing and said they had no clue to what was going on and hung up.
Product: Credit reporting or other personal consumer reports

**Subject : Complaint and Dispute Against Equifax and XXXX XXXX for Unauthorized Furnishing of Consumer Report Data** **To Whom It May Concern : ** I am writing to file a formal complaint against Equifax and XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b regarding permissible purposes for obtaining consumer reports.

**Details of the Complaint : ** 1. **Unauthorized Access and Use of Consumer Report Data : ** - XXXX XXXX furnished my private data to Equifax without my express written consent. This is a direct violation of 15 U.S. Code 1681b, which mandates permissible purposes for accessing and using consumer report information. Neither Equifax nor XXXX XXXX had my express written permission to furnish this data. 

2. **Lack of Due Diligence by XXXX XXXX : ** - XXXX XXXX has failed to demonstrate the detailed steps taken to ensure that my credit report was clear and accurate before furnishing the data to Equifax .

3. **Fraudulent Activities by XXXX XXXX : ** - XXXX XXXX has committed multiple fraudulent activities, including but not limited to : - Falsifying the validation of debt. 
- Falsely claiming that I signed an agreement with them. 
- Falsifying records of sending my statements in a timely manner. 
- Refusing to accept my tender. 
-Reporting my open end credit as late on multiple occaisions with out ensureing my statements came 21 days prior to close according to 15 USC 1681a ( 2 ) ( 1 ) & 15 USC 1666B These actions constitute numerous federal crimes and have caused significant harm and distress.

**Requested Resolution : ** 1. Immediate removal of any data furnished by XXXX XXXX from my consumer report.

2. A thorough investigation into the unauthorized furnishing of my data.

3. Appropriate penalties and corrective measures against Equifax and XXXX XXXX for these violations.

4. Written confirmation of the actions taken in response to this complaint. 

I am asserting my rights under the Fair Credit Reporting Act and demand that these violations be addressed promptly. Please consider this communication as formal notice of my intent to enforce my rights under the law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX
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, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX 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: Debt collection

On XXXX I was notified by XXXX  that negative information was added to my profile. When I checked I notice this was a company that I had requested validation of this debt months ago and never received the documentation to prove this is my debt. By law I am requesting this information is immediately removed from my credit profile until proof of validation is rendered.
Product: Money transfer, virtual currency, or money service

I am complaining about the Cash App institution. I cashed out the amount of XXXX $ on XX/XX/XXXX from Cash App into my personal bank account with XXXX. At the time of the original cash out my cash app account was in good standing. I did not do instant transfer I did the standard transfer so the date I was to receive the funds was XX/XX/XXXX. I changed my mind today XX/XX/XXXX and selected to do the instant cash out. I received a notification stating that the amount had been deposited into my bank account. Instead cash app had used MY money to pay a negative balance and I did not receive a failed cash out or failed transfer notification. The account is still showing as it was deposited into my bank after cash app had already sent it back to themselves. They used my funds to pay themselves without my consent. I have pictures of what was being deposited in my account I also have record of customer service not actually helping or answering the concerns I had. It was intentional misdirection and intentionally misdiagnosing the problem and I provided proof of the faulty transaction.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate |
Product: Debt collection

I paid a debt owed to XXXX XXXX Emergency Room in XXXX 2016 directly to the emergency room online. In XXXX 2016 I received notification from XXXX that a new, unpaid collection was added to my report from AmCol. I disputed and the collection was removed. In XX/XX/2016 I received a letter that previous attempts to collect the debt had been unsuccessful. Several days later on XXXX XXXX, XXXX alerts me that I have an unpaid collection from AmCol on my report. I dispute directly with XXXX. On XXXX XXXX XXXX alerts me that the collection for XXXX is updated as a paid collection, in addition they reported the debt to XXXX. 

I have never heard of AmCol except for these two instances. I paid my debt directly to the emergency room. Under no circumstance should this be on my report, not only that but if AmCol was legitimately the owner of the debt they should have been aware the debt was unpaid and they tried to claim that they had not been paid. This is deceptive and appears to be an attempt to collect more money. As a result my credit score has suffered negatively dropping XXXX on XXXX and XXXX on XXXX. This is not a result of my negligence. I held up my responsibility to pay the hospital directly.
Product: Checking or savings account

XX/XX/XXXX I was scammed by the company XXXX. Long story short, when I had logged in my XXXX account it had told me that my XXXX account was logged in XXXX  and also XXXX  places i've never been in my life. Like any other person would do i looked up XXXX  customer service on XXXX and i got XXXX different numbers which was suppose to be XXXX customer service, so i ended up calling the XXXX number which was XXXX ( XXXX ) you know normally when you calling to pay a bill or anything you get a automatic person before you talk to a agent and hit XXXX it was not that once i called that number it was like i was calling my mother or grandma and it ring ring and then someone picked up and said hello this is XXXX XXXX calling from XXXX customer service how may i help you and in the background i heard like XXXX different people so i thought it was legit like they was working in a booth side to side and everybody talking in one office and from their it went on. Once i thought about it i was thinking if they claimed they worked for XXXX customer service how did they know anything about XXXX  XXXX XXXX and cash app but he kept saying ma'am something is linked in your data based on the marketplace and they are trying to take money from your cards ending in XXXX and XXXX so of course with me thinking he worked for XXXX customer service im thinking he knew what he was talking about long story short he got me to download this app called XXXX  and he kept saying he can't see any of my information the screen goes black just saying lies and basically he seen everything i was doing so basically he have all my information got me to take a picture of the front and the back of my id and he basically hacked into my whole phone and also took all my money and once i told him my cousin didn't have the physically card with her to link back to cash app he hung up and blocked my number and took all my money which was XXXX and at the end of the day its not my fault. He had me doing a lot of different things transferring my money into another account and asked me did i have someone with me to send my money to and i said yes and he got me to send it to my cousin XXXX XXXX and he made her take her debit card off cash app and gave her one to link to and after he linked a fake card or his debit card to my cousin account and once he added his debit card he withdrawal my money into his debit card ending in XXXX and of course i didn't take a picture of his card or information because he claimed that was a card where my money will be secured and that would be scammed if i did that.
Product: Bank account or service

m and t bank will hold on to checks that should have been cashed when the account is low so they can charge you with an over draft fee, this is happing to many times.