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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states are consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. As part of my routine, I checked my credit report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this situation, I kindly request a thorough review of the documents I have submitted so that I no longer have to deal with this concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

15 u.s.c code 1681 requires consumer reporting agencies to be fair and equitable to consumers. My right have been violated by all of the reporting agencies and the companies reporting the incorrect and negative history on my profile. They have not responded to my letters in the 30 day window that they are required by law to respond to. Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiry and XXXX XXXX XXXX are all in violation I have given no one consent to share my personal information. I request that these negative items be removed because they are inaccurate and they are affecting my credit and having a very negative inpact on my life.
Product: Credit reporting or other personal consumer reports

Payment History : Payment history for the months of XXXX and XXXX was not reported ( XXXX ) ( XXXX ) & ( XXXX ) XXXX Report Date XXXX XXXX, Confirmation # XXXX page XX/XX/XXXX Show PAYMENT HISTORY : NO DATA AVAILABLE. 
XXXX : XXXX ( Rating X ) NO DATA INFORMATION. XXXX ( Rating X ) NO DATA INFORMATION. 
Experian XXXX ( ND ) NO DATA INFORMATION. XXXX ( ND ) NO DATA INFORMATION. 
On XXXX, I submitted a written dispute to XXXX XXXX Credit Bureau Dispute, attached United Postal Service Receipt that proves that XXXX XXXX  ( XXXX ) received all the documents. like my bank statements, copies of a portion of my credit report, a copy of my DL, as well all the documents to support this complaint. This department didnt take action to correct this discrepancy in my credit report. This department sent me a letter on XX/XX/XXXX, requesting the same information already sent previously. XXXX is attached. 
XX/XX/XXXX I received a letter form XXXX XXXX, case # XXXX. I reached out to # XXXX asking to speak to XXXX, the person indicated in the attached letter, but she never returned my call.
Product: Debt collection

I was part of a class action lawsuit against XXXX : a mortgage company that I obtained a loan from. I was experiencing a financial hardship and signed up for the Home Affordable Modification Program ( HAMP ) with XXXX that promised to provide me with a reduced loan payment. This experience was a nightmare! XXXX kept demanding more paper work from me, more check stubs, more proof of hardship, advised me that my paperwork was incomplete ... to make a long story short, my family and I never received the assistance and as a result lost our home early XXXX. 

In XXXX I was contacted by a firm that advised that XXXX mishandled my family and I and that I was eligible for monies due to us being rejected for the loan modification / homeowner saver loan. I was instructed to complete paperwork that summarized my experience ( which I complied ) and my family and I was awarded {$500.00}. This was a settlement amount that I was informed, that I could not later on sue for additional damages. Not expecting this and experiencing devastating financial hardship, this was a welcome amount. 

Year later ( XXXX ), ClearSpring Loan Services began sending me paper work alleging that I owe them {$11000.00}. I advised them that I never had a relationship with them and owe them no monies. They advised that this was a XXXX XXXX XXXX XXXX I received. I advised them that I never received a Home Saver Loan ; because had I, I would still be in my home. I further advised them that I lost my home in XXXX. Requested that they send me any paperwork that I signed, that would show I have any connection with them .... ClearSprings was not able to produce any signed paperwork ; however they did send me some documents and advised me that I " digitally signed ''. I stressed to them that I received NO MONIES from them, no benefit, and no homesaver assistance. ClearSprings advised me that they did n't send the monies to me ; they sent it directly to my mortgage company. I advised them that they would need to seek a refund from my mortgage company then, because XXXX displaced my family and I and we no longer had a home. I have requested ClearSprings to discontinue calling me and demanding monies from me for a service I did not receive and/or benefit from. They continue to do so. 

My family and I lost our home and it was a devastating thing to go through. To find out that we were mishandled and could have had our home saved is even more devastating. To be harassed and victimized again : with a payment demand from a company that did not provide us with services is horrific. My family and I are working hard to recover from our loss and are re-building our future and credit to hopefully become home-owners again. I need ClearSprings and their partners to cease and desist with these harassing activities of payment demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau reporting incorrect information even after multiple violations of the FCRA and pending litigation. 

Creditor has failed to provide substantiation for their claim of a balance owed on an account closed with a XXXX balance. 

I have provided proof that account XXXX  closed with XXXX balance. 

Litigation pending.
Product: Debt collection

debt collectors was very rude and unprofessional they threatened to take legal action without giving me all the information on my case also called my job repeated times when I asked him to stop calling my job they had my cell phone number so there was no reason for them to call my job after they got employment verification from my employment they still kept calling this debt collector is called first capital the phone number is XXXX XXXX XXXX
Product: Debt collection

Speedy Cash Was reported on XXXX2014 the merchants stated it was a online loan and I have no known knowledge of.
Product: Debt collection

XXXX XXXX this account appeared on my credit report for {$1600.00} referencing the XXXX XXXX of XXXX XXXX XXXX. I have requested verification, through disputing, of this medical bill from Amcol Systems Inc. and I have  received no response. Then I hired XXXX XXXX to dispute and request verification with no response. In early XXXX XXXX the account was taken down to a zero balance but the account remained on my report ; then XXXX XXXX, XXXX the account went from a XXXX balance to {$2200.00} with no explanation ; still just a reference to XXXX XXXX XXXX. The date of the reporting date still remains as XXXX as if the {$1600.00} suddenly changed to {$2200.00}. I would just like to receive some type of clarification for the {$1600.00} and now for the {$2200.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed out of {$1000.00} financial institute was Wells Fargo. I was sent a text asking had I approved a {$3500.00} transfer through XXXX. Responded no and went to call the bank and the bank called me in the process. Ended my call answered the other line and spoke with some stating they where a representative from Wells Fargo. Even spoke with someone stating they where a supervisor. I was advised to create a XXXX account with my information and send money in checking acct to myself. The money never returned to me. I was advised by the bank it was a scam and a hacker spoofed my phone number and took the funds and because it was through XXXX the transaction had no covered protection from Wells Fargo or XXXX. The bank was aware of the scam going on knew the step but never put a warning out about the scam online until sometime in XX/XX/XXXX. They only advised they would submit a claim to XXXX in hopes of getting v the money returned and as of date no response has been provided. Don't trust the banks or XXXX all are aware of the scam and continue to provide XXXX all the apps and online banking. I have requested proof that Wells Fargo filed a claim with XXXX in writing have yet to receive. Also requested information on the bank that received my funds no response either. 

Companies involved : Wells Fargo and XXXX
Product: Credit card or prepaid card

Genesis FS Card Services has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any non-affiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 
Genesis FS Card Services is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat, duress, and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
I hereby dis-affirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and Genesis FS Card Services XXXX This account is a billing error. Please provide me with documentary evidence of the obligor 's indebtedness. 
As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 
Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Genesis FS Card Services, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2012 First Reported XXXX XXXX XXXX XXXX Original Creditor I have never stay in this apartment. This apartment is in XXXX mi XXXX XXXX Is my sister There are a great of names on my credit report thats not mine XXXX forrer XXXX Michigan XXXX This the only address that should be on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent a letter asking for debt validation on XX/XX/XXXX, on XX/XX/XXXX i received a bill. on XX/XX/XXXX i sent a 2nd request i received a bill and copy of paper work. i have not received any proof of signature of mine. i have asked for proof but still waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy Chapter XXXX listed on my XXXX, Trans Union and XXXX reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four collection agencies have been reporting inaccurate information to Experian, XXXX, and XXXX. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - Experian, XXXX, and XXXX  - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX in XXXX Louisiana. I XXXX  XXXX people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my business, and my XXXX  jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies. 

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers, middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. Experian even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed account immediately because they refuse to give me credit after taking my money for a secure account
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Discover Finicial Services in order to figure out why I have a outstanding balance and why I had a open account that was reporting under a different name but same social, It was identify theft. I left them know that I never opened a account with them and they proceeded to tell me that the account was sold off and they couldn't do anything to contact XXXX dispute it and get removed even though the account is not in my name.
Product: Credit card

I have been a customer with capital one since XXXX Recently I had made a payment to Capital One and it kicked back. I had some fraudulent activity with my bank that caused the payment to kick back. Capital One closed my account due to not complying with their policy I called capital one to explain my situation and the fraud department submitted a request to reopen it and my request was denied. When I asked for the reason I was denied, I was then hung up on. This is ridiculous, I have been a long time customer who always pays my bill on time, I use the card for business, I lost {$5000.00} I use in capital to buy inventory for my shop. On top of all that Capital One closed my other card that had no association with the kicked back payment card. I am actually over paid on that account by {$17.00}. So I had a kicked back payment ( due to no fault of my own ) and they closed both of my accounts with them. This will impact my credit score and cause problems when applying for any new cards. I have not been informed of any direct explanation as to why, besides the vague explanation of not being compliant with their policy how is what these credit card company doing compliant or fair? This has also happened to two other capital cards of mine, I was too naive to do anything about at the time. My VENTURE & business SPARK accounts also got closed with NO REASON EXPLAINED I was actually told that they dont have to tell us the reason and I would get a letter in the mail with further details, I got a letter with NO details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : XXXX XXXX XXXX XXXX Original creditor : XX/XX/XXXX XXXX XXXX XXXX 
AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CheckCare, XXXX XXXX XXXX others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 card or prepaid card

This is in regards to my XXXX Capital One credit card. 

The XX/XX/XXXX statement balance for my account was {$11000.00}. This account is set up for automatic payment of the full amount on the XXXX of each month. The next payment is scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I made a payment of {$10000.00} which should have reduced the statement balance to {$1300.00}. 

Yet - even though I already paid {$10000.00} toward this account- Capital One will still deduct the entire {$11000.00} from my checking account. 

The only way I can avoid this is to cancel the automatic payment for the month of XXXX. 

How is this practice ethical? If I paid {$10000.00} toward the balance of {$11000.00} shouldn't that payment be reflected at the time the automatic payment is due? 

This seems unethical to me.
Product: Payday loan, title loan, or personal loan

This was opened XX/XX/2017. I didn't not get this loan in person or online. Two individuals that are XXXX distributors were going door to door selling vacuums in our neighborhood which is government housing. ( We were not aware until after purchase that they are not allowed to be doing so ) They called this company where we have the loan, Preferred Credit. Me and my husband do not feel as if we should pay them anymore due to the distributors going about this illegally. If they refused to close account and take off of our credit report we will have to get my husband 's command involved and JAG ( military legal team ) We attempted to go in person and return item but the address given took us to an abandoned building. They're are several complaints in our neighborhood about preferred credit and these distributors as they are basically teaming up and getting over on military spouses
Product: Money transfer, virtual currency, or money service

I made a purchase of traditional gold set from a certified seller through Arizona state. I payment was completed via Zelle for {$9900.00}. Once I didnt receive the gold I contacted both chase and XXXX XXXX XXXXXXXX and they informed me they cant do anything. I contacted XXXX XXXX XXXXXXXX and informed them there account was being used to commit fraud and scam and provided the information of the seller and they refused to provide any information to me. Or shut the account down. Other people were scam by this vendor as well. I also file a complaint with the Arizona police department. I paid from my XXXX  account to the vendors XXXX XXXX XXXXXXXX account. The payment was sent between XXXX XXXX to XXXX XXXX