23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a claim on Discover Bank. I have filed a police report ( Report number XXXX ) with XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX also filed a subpoena on Discover Bank on XX/XX/year>. 

On XX/XX/year>, I got a text message from XXXX  XXXX XXXX saying that an Inmate deducted money from my account. I went online and saw that money had been deducted from my account. I immediately contacted the number that was texted to me. The XXXX  XXXX XXXX agent had me go through several steps to revise the money deducted from my account and move money from one account to another. That way, my accounts were cleared from getting reaccessed. I soon realized I was not speaking with a XXXX  XXXX XXXX representative but a scammer pretending to be a XXXX  XXXX XXXX representative. I immediately hung up, called XXXX  XXXX XXXX, and filed a scam claim. Through the investigation, it was discovered that the scammers took my money through Discover Bank. My claim was denied by XXXX  XXXX XXXX, so now, I am trying through Discover Bank because they are the ones who can not recover the money from the scammers.
Product: Checking or savings account

Capital One had an extreme failure and withheld our paycheck. We had multiple payments returned due to.their failure. They finally deposited our paycheck at XXXX XXXX  mountain Time. We had a credit card payment due through XXXX XXXX that was considered late because Capital One withheld our paycheck due to their third party failure. The payment of XXXX $ was due by XXXX mountain Time and we were able to make the payment at XXXX XXXX  when Capital One finally released our funds. We now have incurred a XXXX $ late fee that they refuse to pay. We contacted XXXX XXXX but they could only.creist XXXX $ towards the late fee because they were not at fault for the late payment. I have to agree with them. It was Capital one 's failure. So now we have a hit to our credit and a late fee that was not planned for that is no fault of our own. Capital One is who we trusted to bank with and they are the only bank we currently use for all incoming and outgoing funds. I spoke with XXXX and XXXX, a claims supervisor with Capital One and they advised that there was nothing Capital One could do, though they acknowledged Capital One was at fault
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX multiple times, they have not helped resolve my issue. I have multiple Hard Inquiries on my report I do not recognize and that I did not authorize I don't even know the companies associated with them. My information was also sold and bought illegally because I was a victim of the XXXX data breach. I want all these items Deleted from my credit report effective immediately. I am attaching the proof that XXXX has admitted that they did use my information in this data breach, and XXXX has done nothing to help and caused me a lot of distress and in convenience. Please help me delete these fraudulent items from my report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute several fraudulent accounts on my credit report, including XXXX XXXX XXXXXXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXXXXXX XXXX XXXX XXXX ), which were opened without my knowledge or consent. These accounts contain discrepancies in key details such as open dates, credit limits, and last active dates, and creditors failed to validate the debts or notify me before reporting them, violating laws including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates accurate reporting and dispute investigation ; 15 U.S.C. 1681g ( e ), which requires blocking fraudulent accounts upon proper documentation ; and 15 U.S.C. 1681s-2 ( b ), which obligates furnishers to investigate disputes. Additional violations include the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires timely written notice and validation of debts ; the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes identity theft ; the Fair and Accurate Credit Transactions Act ( FACTA ), Pub. L. No. 108-159, which provides for fraud alerts and removal of fraudulent accounts ; the Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809, which mandates data protection ; and the State of Florida Identity Theft Law, F.S. 817.568, addressing identity theft remedies. I have included supporting documentation, including my ID, Social Security card, proof of address, and a police report. I request immediate removal and permanent blocking of these accounts from my credit report and a full investigation into these violations to ensure compliance with federal and state laws.
Product: Credit reporting or other personal consumer reports

I noticed wrong addresses and phone numbers on my credit report. I also noticed an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened in XX/XX/year> in collections was opened under fraud.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation u
nder 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 further of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated an online dispute on or aroundXX/XX/XXXXin regards to two XXXX XXXX XXXX collections on my account, which is was never notified about. I am trying to clean up my credit but the disputes came back as valid. I then went online and checked out the claims with my health care provider. For the two claims, XXXX advised that I should not have been asked to pay more than {$8.00} ( I'm rounding ) for one and ( {$160.00} ) for the other. XXXX ended up initiating an additional payment for both of these claims around XX/XX/XXXX and left me a balance of {$50.00} on one and {$190.00} on the other. I was able to pay the {$50.00} online through the XXXX  website so at the very least, had a credible investigation been done, the amount due would have been updated. I was not able to make the other payment through the XXXX website so I called XXXX XXXX XXXX to make the payment over the phone. I was advised that they no longer service this account and to dispute it with the credit bureau. I again initiated a dispute with the credit bureau, only for it to again come back as validated.
Product: Credit reporting or other personal consumer reports

I checked my credit report and the information was not correct. I have contacted them I they have said that the accounts were verified. I asked them to provide to me how they verified/validated the accounts and I received no response. I have checked my other credit reports and it shows that they are reporting different information for the same accounts which is against the FCRA laws and this violates my rights.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by Experian and XXXX, including unlawful reinsertion of previously deleted fraudulent accounts, failure to notify me as required by law, and continued misreporting of inaccurate information. 

Issues Identified : 1. Illegal Reinsertion of Previously Deleted Accounts ( FCRA 1681i ( a ) ( 5 ) ( B ) ) Experians fraud department previously investigated, deleted, and blocked two XXXX accounts. 
Despite this, the same accounts have reappeared on my Experian credit report without proper notification. 
Experian did not send me the legally required written notice within five business days of the reinsertion, which is a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ).

2. Failure to Maintain Reasonable Procedures to Ensure Accuracy ( FCRA 1681e ( b ) ) Experian is legally required to maintain reasonable procedures to prevent the reinsertion of previously deleted, fraudulent, or inaccurate data.

By allowing these accounts to be re-reported without validation, Experian has demonstrated willful non-compliance with FCRA 1681e ( b ), which mandates maximum possible accuracy in consumer credit reporting.

3. XXXX  Continued Reporting of Inaccurate Balances ( FCRA 1681s-2 ( a ) ) XXXX  continues to report a balance due on these accounts despite them previously being deleted as fraudulent. 
If these accounts were charged off or sold, the balance should be {$0.00}. 
Experians failure to prevent XXXX from misrepresenting my financial obligation constitutes an FCRA violation under 1681s-2 ( a ). 

4. Failure to Provide 1099-C for Canceled Debt ( IRS & FCRA Violation ) If XXXX has charged off these debts and reported them as a loss, they are required under 26 U.S. Code 6050P to issue a 1099-C cancellation of debt form. 
I have never received a 1099-C from XXXX, which suggests either unlawful continued reporting or failure to comply with federal tax laws. 

5. Re-Aging of Accounts to Extend Negative Reporting ( FCRA 1681c ( a ) ) These accounts were closed in XXXX, yet Experian is reporting late payments in XXXX and XXXX, which suggests illegal re-aging to keep negative items on my credit report longer than legally permitted under FCRA 1681c ( a ). 
This deceptive practice violates consumer protection laws and damages my creditworthiness. 

6 Willful Non-Compliance & Negligence ( FCRA 1681n & 1681o ) Experians failure to comply with FCRA reinsertion guidelines, failure to notify me, and failure to properly investigate these disputes constitutes willful non-compliance under FCRA 1681n, making them liable for statutory and punitive damages.

Additionally, Experian may be liable for negligent non-compliance under FCRA 1681o for failing to investigate and correct these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX  XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX, 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a voicemail that I needed to call about a problem with my XXXX XXXX card. I called back, gave them my name, account number, social security number, etc and they told me that they were reducing my credit from $ XXXX to $ XXXX because Experian had sent them a letter saying that my credit score was XXXX and I had serious delinquent accounts. I immediately thought this was a scam because my bank had just sent me my credit score three days before and it was XXXX. I rushed home to get my card so I could call the number on the back and tell XXXX XXXX that I had just given my card number and all identifying info to someone and that I needed to close the account to prevent those people from using my credit. XXXX XXXX said that it was them who I had been speaking to earlier and the information about my credit that I received was correct. So, I called Experian. They pulled up my credit and said my score was XXXX and I didn't have any delinquent accounts or carry any balances on anything but my mortgage. They said that they couldn't call XXXX XXXX but I could have XXXX XXXX call them. Well, XXXX XXXX can't call them nor can they pull my credit report even after I give them permission on a recorded line. So, I faxed in my credit report to XXXX XXXX at a cost of {$32.00}, but XXXX XXXX says they never received it although I have a successful transmission report. I can't submit a dispute with XXXX XXXX because I don't have a charge that I am disputing. I have spent HOURS trying to talk to someone who would listen to what happen to do what was necessary to fix their error, but there doesn't seem to be anyone at XXXX XXXX that cares. To be fair, maybe the error was with Experian but they say they didn't send a letter, so I don't know what to do. I feel pretty certain at this point that no one is trying to steal my identity because I pulled my credit report from all three credit reporting agencies and my scores at XXXX, XXXX and XXXX. I just want the error fixed and off my XXXX XXXX record. Is there any way that you could help?
Product: Credit reporting or other personal consumer reports

Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection XXXX XXXX XXXX myself, and they have failed to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency. This debt is not mine. 

The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have submitted a report recently about being scammed. I have reached out to capital one and it is very frustrating that after multiple investigations they still cant seem to help me. I have lost a lot of money and I am struggling to recover from this. I will be attracting an imagine if the person literally sending a picture of them in my account. I have a new account with capital one so if I am helped with recovering my funds they will be safe.
Product: Debt collection

I owe on a loan I took out. I have repeatedly received phone calls from XXXX along with her calling my family and friends over and over. Making it sound like shes looking for me and something bad has happened to me. I told her to call me directly and to stop harassing my family and friends. I told her I received an email from her company and I was trying to go online to set up a payment plan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by a representation at TransUnion when I called to submit different types of documents to verify my identity.
Product: Debt collection

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. The accounts in questions are as follows : 1. DIVERSIFIED ADJUST ME understand that, pursuant to section 605b of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.
Product: Money transfer, virtual currency, or money service

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

I am XXXX XXXX , and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Debt collection

I spoke with an employee of Northstar Location Services , LLC on XX/XX/20, where we agreed to settle the account with XXXX XXXX  for {$150.00}. The original balance was {$210.00}. I received a confirmation letter of the agreement and the rep took my payment. He then provided a confirmation number. Then on XX/XX/20, I received a letter from Northstar Location Services stating that XXXX XXXX referred my account ti them with the past due amount of {$52.00}. 
On XX/XX/20, I sent a certified response letter via USPS to Northstar Location Services. I never received a reply from them. So, I called them and was told by two lady representatives the matter would be resolved. On XX/XX/20 I received yet another letter stating I owe {$52.00}. I have now sent an email of all of this information to Northstar but this has now passed the 30 days they had to respond to my initial letter.
Product: Debt collection

I requested proof of my wet signature bonding me to this contract per FCRA 15 U.S.C 1681i ( a ) ( 1 ) ( a ) or remove item from my credit report. I received an update stating debt was verified but according to my credit report there are inaccurates therefore debt could not have been verified.
Product: Checking or savings account

On or about XX/XX/XXXX I purchased an on-line, one-way airfare from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  company gives its physical location as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its website listed is listed as XXXX XXXX XXXX. My daughter was told that XXXX released her ticket on XX/XX/XXXX and that she could purchase another ticket for just {$250.00} with a new travel date of XX/XX/XXXX. Then XXXX debited my account {$69.00} for a XXXX XXXX XXXX XXXX XXXX  follow by a debit of {$300.00} which Wells Fargo Bank declined because of insufficient funds. I spoke with a person named XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the final time I am requesting that the account attached be deleted from my credit report. I am a victim of identity theft.
Product: Mortgage

I had to leave my employment due to an injury. So obviously I started getting behind in payments. My loan company has been XXXX  with me and particularly the specific person assigned to my case. He ignores calls, doesn't return messages, ignores emails, and is very rude an unhelpful. He sends me documents through email in a security portal that he has locked me out of. But continues to send them there. I think they are messing with me to cause a foreclosure or something. I tried to talk to another person in the office and he was so mean I was shocked. They offer me solutions but then ignore me so I can't get one going. I have looked up this company and they have terrible reviews. They bought my loan a few years ago so I had not choice to deal with them. I think they are just buying time so they can foreclose on my house. This has been going on for months. I am getting really scared. Is there anything that can be done? These people are horrible. They are going to keep XXXX  with me.
Product: Debt collection

XXXXNational Credit Systems -no action taken XXXX National Credit Systems handed collection over to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX, Georgia and I am being sued in a state where I have never lived and I did not sign for this debt in the state of Georgia!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report on XXXX and Transunion incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with XXXX   and Transunion disputes and nothing has been fixed. I have paid XXXX XXXX XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on
Product: Vehicle loan or lease

I know nothing about this loan. I never bought this car or made any payments. This is not my doing, I have no knowledge of this loan. My identity was stolen this account doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX did a hard inquiry on my transunion credit without my direct expressed permission to do so.
Product: Debt collection

This debt has remained on my credit report, and I have no knowledge of this debt. It may have been opened by my father.