23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capio Partners LLC has submitted a debt to all major credit bureaus in a amount {$850.00}. The same debt amount & account provided by XXXX XXXX XXXX showed on my credit already. I do not owe this debt or have business with these companies. I have made numerous attempts to have this falsified information removed. XXXX XXXX XXXX has not provided the date of service, who provided & what service was done, doctors name under the FCRA. Without this information being provided, its a 609 fair credit report act violation. Both accounts needs to be removed from my credit report immediately. Also, this falls under double jeopardy law. I have provided an image with debt being claimed by both companies.
Product: Checking or savings account

XX/XX/2022. My social security was deposited into my account at Citibank. I received an email and text message stating that a {$400.00} XXXX transaction was pending for a man that I didnt know. I called the bank and spoke with a rep and let her know that I didnt authorize that transaction and to cancel it and was told that it already processed even though it was in processing and that it couldnt be stopped. I was told that I needed to submit a claim which I did and then I was told to open a new account which I did also. My uncle sent me money to the new account and the man that stole the {$400.00} tried to steal the {$200.00} that was going to the new account. Citibank closed both of those accounts down and opened me up a new account. I have contacted the bank to see about getting my money back and nothing. I have contacted the bank several times. I have spoken to the head fraud investigator XXXX XXXX and still I havent gotten my money back. XXXX XXXX advised me that Citibank has had several customers hacked within the last few months and they are working on the problem, but I still havent gotten my money back. It has been exactly 30 days now from XXXX and still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed that there are two accounts from XXXX XXXX with two different account numbers being report on credit report. Account # XXXX and Account # XXXX*.I only have one account with XXXX XXXX  which is Account XXXX XXXX. I never applied for a second account. Somehow this second account seems to be a duplicate account of my current one. Included is a copy of my current credit card statement with accurate account number. According to the fair credit reporting act 15 USC 1681 : 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 an account without my writmen instructions. 15 U.S. Code 1681i Section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected ASAP. Thank you. 
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 or other personal consumer reports

Experian report is erroneous as well very slow to report updates. This agency has not updated my file since XXXX! XX/XX/XXXX, at XXXX XXXX XXXX I attempted to contact Experian by phone which an automated phone system attendant told me " you can't speak with a represantive as of now, call back at a later time ''. This is after six attempts, think its ridiculous Experian credit reporting agency willfully neglecting to answer consumer calls for information by hiding behind an automated phone system. 

I've disputed files that seem to find a home instead of being remove or considered for removal. It makes me wonder if its because I'm XXXX XXXX and this another attempt of systemic racisim. For example, XXXX XXXX, is over ten years old. I disputed it but its still on my report ; negative and pulls against my score. XXXX explained that XXXX XXXX XXXX XXXX this credit card. How can it report good standing XX/XX/XXXX in acquisition but its reported 30 days late by XXXX for the same credit card. I've requested to remove the this file all together but it stayed and reported as negative against my score. XXXX XXXX was a debt but paid in full but Experian reports it as a negative ; pulls against my score. If I was XXXX would this be adverse credit history on my credit file? 

To date XX/XX/XXXX, XXXX XXXX report XXXX and XXXX XXXX ; however, Experian is reporting XXXX, almost two months behind reporting! What makes this even more taxing the rent bureau is under Experian. This where your information is pulled for rental history. XXXX XXXX was an issue last winter, which was corrected and I rented a gorgeous apartment. Now, my lease is up and I'm interested in the American dream, buying a home. Slowly, repairing what I can to get my score up. Very surprise to learn I was just denied a simple one bedroom apartment due to their mismanagement of my credit history reporting data. I am sick and tired of this mess! It needs to be addressed and fixed! 

I want to move to another location but due to sparse reporting practices they are impeding upon my 1st admendment right in the pursuit of happiness, and violating my civil rights which prohibits redlining. This agency needs to be monitored by the US government authority to make sure they aren't harming consumers.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX  XXXX XXXX Balance {$450.00} XXXX  XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to address multiple inaccuracies in my credit report, including incorrect account listings, inaccurate credit reporting, billing errors, and accounts that do not belong to me. 

I would appreciate your prompt assistance in resolving these issues to protect my financial stability.
Product: Money transfer, virtual currency, or money service

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 Why is the status of this claim closed??? 
There has been no resolution..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was notified of a " 120 day late mortgage payment '' on my credit report. I thought this was strange because we were actively in mortgage forbearance through our mortgage company as well as being under the Covid clause per the government. Now I understand that this was lifted however, I was told by multiple different agents that the company had not been reporting for months. I immediately sent our mortgage company an email as well as a phone call trying to make sense of this. We also had made a payment in XXXX and XXXX so I wasn't sure why this was being marked 120 days past due. Understandably, I thought it was from covid but I pulled the credit report and nothing was reported during that time frame. They sent me a first class letter saying it was accurate -- that was it. Nothing in detail and it seemed to be very looked over.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address reported are not related to me at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am an Obligor on XXXX student loans taken out by my son. These loans have always been current. We make a payment to my son every month and he pays the loan ( depending on his cash flow he will contribute an amount to the loan payment ). Yesterday ( XXXX/XXXX/17 ) I pulled my credit report and found that it had dropped by XXXX points due to a delinquency on these XXXX loans ( 90 days past due ). I immediately called the servicer " FedLoan Servicing '' and cured the delinquency. I was very upset that I was not notified that the loans were ever late. Furthermore, I explained that I am a XXXX and that my XXXX Employment could be negatively impacted by their negligence to contact me regarding the delinquency and subsequent reporting to the credit bureau. They accepted my payment too cure the loan but appear to be unhelpful in resolving the credit dispute until I write a dispute letter. HERE IS MY ISSUE : They have a legal and moral obligation to rectify this matter with the credit bureaus. They failed to notify me, thus I was never given the opportunity to cure.
Product: Money transfer, virtual currency, or money service

Money was taking from my cash app card couldnt talk to no one about the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX am the original creditor, natural person and consumer and I have recently obtained a copy of my credit report and noticed an unauthorized account being reported. I did not give written consent for the unauthorized account to be reported against my consumer credit report which is a violation of my consumer privacy rights under 15 USC 1681 A. I have not entered into any agreement with REC MGM Systems and demanding a validation of this alleged debt by way of contract that gives REC MGM Systems grounds to collect a debt from me. To be clear a statement is not a contract. REC MGM Systems is also in violation of 15 USC 1692 E 2 ( A ) and is causing me grave distress and ruining ( 15 USC 1681 ) my reputation by continuing to report this alleged debt on my consumer credit report.
Product: Credit card

I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

Please remove alleged XXXX loan from my name. Loan was returned. Balance is {$0.00}. Remove from credit. Shouldve never been added to credit due to me returning loan before it was disbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been more than 35 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding EXPERIAN ... It is Experian 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. They are reporting 3 inaccurate accounts on my report/file plus wrong addresses and hard inquires. 

( XXXX ) XXXXXXXX XXXX XXXX #  XXXX ... .... {$3000.00} ( XXXX ) XXXXXXXX  XXXX # XXXX ... ... ... {$4100.00} ( XXXX ) XXXX XXXX # XXXX ... ... .. {$9900.00} In addition, the 2 erroneous addresses [ XXXX XXXX AND XXXX XXXX XXXX plus TWO hard inquires that were not authorized must be removed/deleted [ XXXXXXXX XXXX XXXXXXXX and XXXX ] . 

Also, note that I have already sent in one FTC Identity Theft Report on XX/XX/23. They had 4 days to remove fraudulent items per 15 USC 1681c-2, of which they did NOT remove all items requested. It has now been past 30 days and I just sent in a SECOND Identity Theft Report XX/XX/23. Furthermore, these accounts are marked CHARGE OFFS which is considered INCOME and therefore NOT allowed to be reported on my credit file. Please remove/delete them. 

In addition, I did NOT give Experian written instruction/permission to furnish any inaccurate information on my consumer report, violating 15 USC 1681 ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe har and discrimination.
Product: Debt collection

I received a garnishment letter from my employer on XX/XX/2020. I contacted the agency panicking because the amount they are trying to collect is the wrong amount. I spoke with XXXX XXXX, he was no help. Called back again and XXXX spoke with me. She stated that they would verify with the hospital that the debt was paid in full and submit in writing to my employer the correct amount that was to be garnished. She stated that she would call back in 30 minutes. I called her back 3 hours later and she stated that they would have to wait for the information. If youre Patient Accounts like you keep repeating you should have access to this information. I called again on XX/XX/2020 spoke with XXXX again she stated that the attorney was out and to call back around XXXX. I did so. The attorney XXXX stated that it takes 24 hours for the hospital to validated that it was paid. They wont accept any statements from me from the hospital showing a zero balance. I have called back every day and now starts week number TWO and nobody can seem to validate the amount that was paid to the hospital so that the CORRECTED information be sent to my employer. All I keep hearing is call back after lunch and the attorney will be in then. Or I cant get in her email I cant do anything. Its frustrating because you did not hesitate to enter the incorrect judgement. Now no one knows anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never late and the Credit Bureaus was reporting inaccurate information on my Credit File. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. The account XXXX XXXX with Balance Owed : {$0.00} and Date Opened : XX/XX/2020, is reporting inaccurate information. I have been sending letters to the Credit Bureaus regarding this matter and that the Credit Bureaus must confirm the validity of the account in question by conducting an investigation and correct any errors on my Credit File. But despite all my effort to establish a contact with the Credit Bureaus, they seemed to not care at all. If the Credit Bureaus do not take the matter I am disputing, well I do! As a consumer, I have the rights to request an investigation and correct my Credit file. I am exercising my rights by submitting this complaint and I am looking forward to see the Credit Bureaus correct my Credit Report as soon as possible.
Product: Credit reporting

I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX Bank and XXXX XXXX Bank. The following court document is fraudulent as well : XXXX XXXX XXXX XXXX : XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : FID INFO XXXX, XXXX XXXX Company Inquiry : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$730.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$82.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8300.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$3100.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
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 U.S.C 1681. 

( 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  ) 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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency 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

XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Experian is reporting this inaccurate information.
Product: Checking or savings account

I purchased a product from XXXX in the amount of XXXX in store online. The package was delivered while me and my family was on vacation in Tennessee for week. When we returned home from vacation my package was not there, I contacted XXXX XXXX for them to refund or replace the item they denied to refund and or replace the item. I then contacted Capital One to dispute the charge on my bank account and explained this situation. They opened the dispute and through my bank they denied the dispute in favor of the merchant and I am now out the XXXX and the product. So I am reaching out to the CFPD for resolution and or help in this matter. As a consumer you would expect the bank to help their customers regarding issues with merchants. To no avail I have lost my money and the product with no help. I just want my money back and to be refunded the full amount.
Product: Checking or savings account

Suntrust has lied to me and told me that funds for a check were being held due to “inside banking information that the funds would not clear” for my BUSINESS ACCOUNT.  This was AFTER I told them I did not want to have a banking relationship with them as well as AFTER the funds were already cleared the next day which allowed me to pull the balance to transfer out and make a XXXX balance.  On top of that, they have the nerves to apply fees to my account for their lie.  I wanted to close the account to begin with due to inconsistent information given to me and bogus overdraft fees for small amounts to my account as low as a $XXXX for a $XXXX charge as well as picking and choosing which transactions they want to go thru on the account to apply numerous fees.  I have stated many times before to them, if the money isn’t there don’t allow the transaction to go thru but they keep doing it to get more and more money.  Over $500 in fees in one month alone!!!  I am not only sending this complaint to XXXX but CFPB and collecting others to join in on a class action suit to file.  They are ridiculous and liars.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX AND EQUIFAX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I FOUND OUT THAT MY BANK ACCOUNT WITH XXXX XXXX WAS COMPROMISED. AS A RESULT, MY BANK ACCOUNT WAS CLOSED WHICH CAUSED PAYMENTS TO BE REJECTED. MY ACCOUNT WITH TOYOTA FINANCIAL WAS REPORTED LATE, EVEN AFTER A TALKED TO A TFS AGENT ON XX/XX/XXXX AND THEY ASSURED ME THAT NO LATE PAYMENT WOULD BE REPORTED TO THE CREDIT BUREAUS IF I BRING MY ACCOUNT CURRENT, WHICH I DID.