23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Regarding : Belk Store Account XXXX XXXX XXXX XXXX On Approximately XX/XX/2022, Belk Store reportedly sent a XXXX XXXX Purse to me.. I never received the purse. 
XXXX delivered the purse to the wrong address. Tracking XXXX ( XXXX. 

I have written to Belk many times sending information to them to prove that I never received the purse. I have also talked to your Synchrony Bank and sent you information to prove that the purse was delivered to the incorrect address. 

I have opened several case to get Belk to rectify problem, but to no avail. 

Belks/Synchrony Bank continues to harrass me and send me late due notices over and over for a purse that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.
Product: Checking or savings account

On XX/XX/XXXX I opened a business account with Chase Bank located on XXXX XXXX XXXX, XXXX, SC XXXX after receiving an email offering me {$300.00} if I opened a business account and kept at least {$2000.00} deposited for 60 days, and made at least 5 transactions using my debit card.

After not receiving my debit card 7 days later I returned to the bank to make an inquiry as to why, and the bank representative checked my address to make sure that it was entered correctly and it was. At the same time I had entered the wrong passwordon its online banking and had been blocked out. The representative tried to reach a representative on the phone, but it was over a 15-minute wait, so I told him that I would call myself to correct that, thinking that might be the problem. I could not get an agent to answer the phone without being on hold for longer periods that I could remain on hold until several days later. 

When I was finally able to reach someone at XXXX I was asked what " kind '' of business did I have since I listed several options including : consulting, editing, and publishing. The representative stated that it would be better to list it just as publishing. I told her okay and expected that all was clear and that I would receive my debit card within the next 7 days. I did not. What I did receive was a letter stating that there was a problem with my account and also a text stating that if I didn't return their call by XX/XX/XXXX that my business account would be closed. I left on a 7-day vacation to XXXX on XX/XX/XXXX and was not scheduled to return until XXXX on XX/XX/XXXX, so I texted them my inteniary to show that I was out of the country and informed them that I would return their call the next day. 

After not being able to get anyone on the phone the next day, I went back to the bank and spoke with the agent again. He called in the branch manager and she was able to contact them and got my online banking finally restored and I was informed that the original card that was shipped out, that I never received, was cancelled, and that he ordered another card to be shipped out expeditiously and that I would receive it no later XX/XX/XXXX or XX/XX/XXXX. Today is XX/XX/XXXX and I do not have time while running my business to continue to keep calling or going to the bank, when apparently they have not been of help. 

Honestly, I'm beginning to feel like this was some sort of hoax to get business owners to add cash assets to their banking institution. One of my sisters had a similar issue with another bank, and she told me she had to contact you for help, and suggested that I do the same. I hope that you can help me. If I doo n't make 5 transactions by I believe XX/XX/XXXX by using their bank debit card I will not receive the {$300.00} promised to me. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I filed a complaint on XX/XX/XXXX in response to a missing on-going extra payment we've been making to reduce Santander 's high interest rate. This has been going on since XXXX. We have been told that they are " escalating the issue ''. Unfortunately, there have been no follow-up calls as promised until today XX/XX/XXXX. I returned the call 60 seconds after it came in. After holding for an extended period of time, I received a voice message that the office was closed. This occurred 3 times -- before closing time. I called the general number. The individual saw who called me and indicated that he was unable to put the call through to the person because " the system wouldn't let him ''.
Product: Credit card

I wanted to let you know about a pressing issue regarding a billing dispute for unauthorized charges on my credit card. It is causing severe emotional distress and suicidal thoughts. 

I have been talking back and forth with Goldman Sachs about this, but unfortunately, both the merchant and Goldman Sachs have failed to address my claims. I have been charged {$1000.00} on my credit card which was NOT authorized, and despite providing a police report and affidavit, Goldman Sachs is refusing to address the issue. 

I demand that this matter be resolved immediately. This unauthorized charge must be rectified promptly. I trust that your team will investigate this issue and take the necessary steps to rectify the situation. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account. These two accounts were listed without my knowledge, permission. Both accounts are closed. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$8.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$8400.00}
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 violate 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 lossn and I seek appropriate redress for these violations.
Product: Debt collection

I received numerous repeated calls from IC Systems in attempt to collect XXXX. Finally realizing what was happening, I called on XX/XX/2020 at XXXX XXXX, and said it was not a valid debt and I did not wish to be contacted in any capacity in the future. After this, I still received email messages and calls. I want these stopped.
Product: Money transfer, virtual currency, or money service

My phone was stolen and a bunch of XXXX  transactions were made on my account. Deposits and credits but the deposits left me with a negative balance and restricted account.
Product: Debt collection

On XX/XX/2020 ; I received a verification letter of debt including contract from Mountain Run Solutions. The letter states that they will delete the account if I agreed to pay {$2900.00}. I ignored the letter until today when I discovered that XXXX had a class action law suit against them for falsify contracts. I searched hard and long for the original contract and found it today in my email. Mountain Run Solutions signed a fake signature on the the contract that they sent me. It does not match the original contract. Also the original documents I received from XXXX has someone else name on the contract. I never noticed it or paid attention to it. I also challenged this with the Credit Bureau but to no avail it was verified by XXXX. I would like the Mountain Run Solutions to be removed from my credit report and also cease XXXX from reporting any false information on any of my credit reports. I am currently seeking legal with the company currently handling the class action lawsuit but removal and the non reinstatement from any debt collectors or XXXX would be sufficient.
Product: Debt collection

I have a XXXX XXXX  bill from when I used to work there and I would like it to be removed bc of the circumstances with the company my social security number : XXXX XXXX XXXX  {$820.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX
Product: Credit card or prepaid card

MY MAIL BOX WAS BROKE INTO XXXX XXXX MY IDENTITY WAS STOLEN I DID A POLICE REPORT. MY CHECK WAS STOLEN AND CREDIT CARD RECENTLY SOMEONE HAS GOT FULL EDUCATION IN MY NAME ALSO XXXX  XXXX  AND A CAR I HAVE BEEN FIGHTING TO REMOVE ITEMS FOR THE 2 YEARS NOW. ENHANCED RECOVERY COMPANY FOR THE AMOUNT OF XXXX OPEN XXXX  XXXX XXXX FOR XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX FRAUDENTLY
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 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 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 reporting or other personal consumer reports

XXXX XXXX reopened a previously closed credit card account that was officially closed in XX/XX/year> when I filed for XXXX  XXXX bankruptcy. I am still in active XXXX  XXXX bankruptcy by the way My lawyer included it in the list of unsecured creditors and they did receive notice two years ago. As of XX/XX/XXXX to the XXXX, theres been two remarks added to my Equifax credit report of XXXX card being opened as a new account and we remove my list of closed accounts due to my bankruptcy XXXX  XXXX petition. So XXXX XXXX  has falsely reopened a closed credit card account that was closed two years ago in my bankruptcy XXXX  XXXX. Ive tried working this out them and communicating with them. They said they would look into it but now I even have another remark and its official now on my Equifax that the XXXX XXXX  account is officially reopened. Please contact my paralegal for proof of bankruptcy and that petrol card was closed two years ago at XXXX XXXX XXXX. XXXX. Im Asking Equifax to remove these false remarks put on my Equifax credit report from XXXX XXXX saying that they opened up a new account while they know that I am an active bankruptcy and they know that their account was closed two years ago. So please Equifax contact XXXX XXXX  at XXXX XXXX XXXX to have them remove these false new account opened remarks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the dispute on  XXXX / XXXX / XXXX  with Equifax and against   XXXX   XXXX   XXXX   The  XXXX  accounts were closed and derogatory when I filed for my car loan on  XXXX / XXXX / XXXX . The loan  officer  told me to dispute them. I filed a dispute and they immediately opened the  two  accounts showing a balance that reflects 97 % credit card debt and non payments. Thes e two accounts were discharged i n bankruptcy in  XXXX . They should show included in bankruptcy with no balance and should not be reflected in my current credit or credit score. This is so unfair and against the law. So no I would have to wait 30 days and my creditors think I 'm a deadbeat.   This is what I faxed  Equifax- RE  : Dispute -Please see the attached paperwork. You are not reporting the two   XXXX    accounts correctly. They were included in my bankruptcy in  XXXX  and they were discharged on  XXXX / XXXX / XXXX . I sent you this proof on other occasions with other accounts when trying to purchase my house and filed disputes.   I applied for a car loan with RCB bank on  XXXX / XXXX / XXXX . My interest rate was based on my credit score. On  XXXX  I accessed my credit and the loan officer showed me where you were reporting the following  XXXX  target counts as delinquent and closed. This is wrong, and incorrect reporting is against  Federal Law.  On  XXXX / XXXX / XXXX , I filed a dispute online with Equifax stating these accounts were  discharged  and stating they need removed or show  XXXX  balance and included in bankruptcy. On  XXXX  in the evening hours, after filing this dispute, my credit score went down by  XXXX  and reflected this debt as credit card debt with balances of  XXXX  and  XXXX .   Please correct this now or I will file a complaint with the Consumer Financial Protection Bureau. I am protected by the Fair Credit Reporting Act. It is agains t Federal law and you have cost me money. I am required to give you a chance to fix this before I file the Federal  complaint and get an Attorney.   I would like a response asap and for you to take immediate action to rectify this situation. I am paying 11 % interest on a used car loan due to your incompetency.   Please notify   XXXX   XXXX   XXXX   they are not reporting correctly and to cease these unfair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX I paid off a vehicle loan with ford motor credit. i paid it to XXXX in XXXX of XXXX with a check for approx XXXX. On my credit report it reads " paid in full '' but in the memo or notes it says " Chapter XXXX bankruptcy '' which makes it look to the bank where I am trying to obtain a morgtae that I discharged this loan through a bk. 
I had some fraud in XXXX and XXXX, and had a fraudulent bk filed as someone tried to avoid eviction using my info which they also used to rent an apartment, the bk was dismissed due to the inability to authenticate identity. the notes on this ford motor credit account listing it as chapter XXXX  makes it appear that I did not pay this account properly and i discharged it in a bk, which i did not. i paid the account in full and in good standing. I have disputed this about 10 times to get that memo off my 3 reports, have called ford about 10 times, I dont know what else to do. all docs are attached showing bk was invalid and dismissed and has absolutely NOTHING to do with this auto loan, I need proof that this was paid satisfactorily and had nothing to do with any BK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted North State Acceptance XXXX on XX/XX/XXXX @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.
Product: Credit reporting or other personal consumer reports

per case XXXX TransUnion contacted me via mail and stated that all 8 inquiries in question would be deleted. As of XX/XX/2024, the inquiries still remain. I called to resolve, and they just passed the call off and hung up on me repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

please see attached - I have made multiple attempts to have the item removed with a resolution from only 1 company.
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXXXXXX VIA DEALER | XX/XX/year> XXXX XXXX XXXX XX/XX/year> I am writing to express my annoyance regarding your handling of my dispute regarding inquiries from XXXX XXXX XXXX and XXXX XXXX via dealer. 

I am still disputing these inquiries, I don't understand why you instructed me to contact the companies directly and follow their fraud procedures. This response fails to comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation into disputes raised by consumers. 

By shifting the responsibility back to me and not taking appropriate steps to investigate the inaccuracies in my credit report, you are violating my rights under the FCRA. Credit reporting agencies are obligated to investigate disputes when notified by a consumer, and they must do so promptly and thoroughly. 

I urge that you take immediate action to investigate my dispute regarding these inquiries and provide me with an updated credit report reflecting the results of all disputed inquiries within 45 days of receiving this letter.
Product: Debt collection

I have disputed this alleged debt with midland Credit Management for the amount in question {$920.00} after disputing directly with the credit bureaus and notifying them i have no knowledge of this debt. This company has continued to slander my name in violation of various united states codes ; as well and various protections provided in the fair credit act, i have disputed with the credit unions on XX/XX/2022 XXXX i have never even heard of this company in my life
Product: Bank account or service

It happened to my husband, but he does n't speak XXXX. He received a new debit card, but since he got one already he decided take it to the bank, he gave it to the guy who always helped him because of his language barrier. On XXXX XXXX he went to a XXXX XXXX store and he was paying around {$50.00}, his card was declined, checked his account and he had not a single dollar there, we went to a branch located at XXXX XXXX, the lady told us she saw a couple of transactions made at XXXX Nevada, so we did the report with the fraud department, they told us it 'll take a few weeks and they will do a federal investigation and if they think my husband was n't the one who used the money we will get the money back. We also did a police report and sended to the bank fraud department all the proofs of what we say, This is already XXXX we had sended letters explaining the case, in some moment they told us they called him and he authorized the transaction but how he could do it if he does n't speak XXXX, he says he remember that he got a call from Nevada, he answered they asked his name and of course he got that, then they say XXXX, he thought they were asking him if he ever traveled to XXXX and he said yes, we went to XXXX in 2014 for a trip and that 's why he assumed was something related with our time there, but now the bank refuse to give him a credit even when they can investigate who did it because in the statement appears place, time and date where it happened, whenever my husband goes to the bank he always had asked for an XXXX speaking person, so we do n't understand how bank call to authorize a big transaction like that in a language that the customer do n't speak. At this moment they said case is close, we do n't know what to do, that 's all what we have in savings.