23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX  XXXX Reference XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Great Western Bank keeps reporting a past account from XX/XX/2005as accurate which it isnt. I filed a chapter XXXX bankruptcy on XX/XX/2005 and it was discharged on XX/XX/2005. Case number is XXXX which is public records. I want this removed from my XXXX  credit report or I will take legal action.
Product: Debt collection

The account was closed and there was no notice of debt. Account has been disputed several times and no information on proof of debt was given.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

I have tried 30 different phone numbers to contact Experian, XXXX  and XXXX for a free Credit Report with no luck. I've also sent emails with no luck. I have an online account with the Bureaus and can't access my online account as well.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain credit
Product: Debt collection

I have receive several call over the past 2 years regarding payment. I signed up a gym called XXXX of XXXX, AZ. When I signed up, I had to provided my debit card. I was n't aware, that the club only offers auto-pay as the only option, so I cancelled the service. XXXX the charged me the introduction fee of {$10.00} and the next month payment of {$20.00}, and annual rate lock fee of {$49.00} and all within 2 days. I like to be able to make my payment myself, in order to control my back account. XXXX is trying to collect a balance of {$120.00}, that I do n't owe them.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This is the second time I have filed a dispute on my capital one credit card. Both disputes have been mismanaged by the bank. Each time I file a dispute, Capital one never sends out the mailing showing me the provider response nor telling me the deadline to submit information to prove my portion of the claim. This time I filed a dispute on XX/XX/XXXX against the XXXX XXXX for {$6700.00} of a {$7000.00} purchase. The amount was credited back to my account but debited once the merchant sent capital one a response. I never received that response by mail to this day although Capital one claims it was sent to me. That mailing was to also tell me the required documentation for my response. Since I didnt receive the mail, I called capital oneover the phone to get that information. I gathered all documentation and evidence as required by capital one including a second opinion from a doctor. I submitted all documentation before the deadline of XX/XX/XXXX. I called capital one on XX/XX/XXXX and confirmed that all necessary documentation was received by Capital one. I confirmed several times after for the next month with different representatives that nothing else was required. Capital One maliciously closed my dispute stating that they did not receive my documentation on XX/XX/XXXX. They are participating in bad business practices and protecting unethical and scam artist merchants.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to maintain security of my sensitive information. They were hacked and the personal information was released. It took Equifax over a month to report the incident to the public. Meanwhile, their executives were selling their stock.
Product: Debt collection

failed to provide validation of debt with wet signature. May have violated my HIPAA Rights
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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: Debt collection

on XX/XX/XXXX I was informed that is law office was no longer interested in trying to collect this debt by XXXX. However, this situation started back in XX/XX/XXXX after I received a statement in the mail saying I owed this law office an amount of {$190.00}. So I called to see what was going on. they stated they were trying to collect a debt from XX/XX/XXXX. so this where I have an issue. The first issue arose, the debt the claiming I had was from XX/XX/XXXX, why now am I just getting a letter from a collection agency, two, I was very sick that year and all my debts had been paid either through my HSA account or via payment plan, third, I had the actually negotiated amount from the actual company that I settled an paid {$150.00} with in XX/XX/XXXX. After, going over that info with the agent, a review was suppose to be done on my account. Apparently, one was n't done. NOW this mess ... XXXX Another hit on my credit report and for what .... an attempt to frustrate the heck out of me ... well this time I will keep fighting and disputing. I think these agencies are a bunch of no good crooks that continue to find ways of pulling old settled debts into circulation. This must stop. So after calling and never getting through, I had an inquiry to hit and stated I had an hard hit right after XXXX, go figure. That 's when I called this office and was told they were n't any longer trying to collect on this account, so why would it go to my report? Straight foolery ....
Product: Checking or savings account

On XX/XX/XXXX I place a stop payment for an ACH debit for a XXXX XXXX payment through Navy Federal 's website. 
On XX/XX/XXXX, I called Navy Federal to confirm that the stop payment had been received and was told by a representative that the stop payment was being processed. 
On XX/XX/XXXX, the XXXX XXXX purchase was posted to my checking account. I called the same day and requested to have the funds reversed and inquired as to why the stop payment failed. As a result, my payment for the electric bill was returned. I was told that the stop payment possibly failed because I was supposed to submit the request via phone and not online ( this was never told to me by the rep I spoke with on XX/XX/XXXX ). I was emailed a dispute form and the funds were placed back into my account on XX/XX/XXXX. 
On XX/XX/XXXX I called my electric company and paid my bill, but they informed me I had incurred a return fee and was restricted from making any ach payments. The electric company requested a letter from Navy Federal showing that a stop payment was issued and failed, making the payment return.

I called Navy Federal afterwards a requested a letter be emailed to me, so that I could provide it as proof of the failed stop payment. I was told by the rep that they would have to listen to the phone call from XX/XX/XXXX, to verify that I was told the stop payment was being processed and to call back later in the afternoon to follow-up. 
I called back later that afternoon and spoke with XXXX ( supervisor ) and she stated she would pull the call from XX/XX/XXXX herself. She then stated that the call was not recorded and she could not listen. XXXX stated that she would need to have an analyst check to see if the call can be retrieved and she would call me back on XX/XX/XXXX once they have gathered all the information. 
On XX/XX/XXXX, XXXX called and informed me they were able to listen to the XX/XX/XXXX call and because of such, could not send me a letter confirming that a stop payment was placed on XX/XX/XXXX. I told her that as a member of the credit union, I should have access to retrieve a document showing that this stop payment was issued. She informed me that because the call between the rep and I from Navy Federal was not recorded, they could not send me documentation. 

This is an unjust and unfair act, because I ( the consumer, customer, member ) is suffering because of a mistake and fault on Navy Federal 's part.
Product: Debt collection

According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting detailed validation of the debt in question. Account Information : Creditor Name : PORTFOLIO RECOV ASSOC Account Number : XXXX Amount : {$2100.00} I am exercising my rights under the FDCPA to request the following information : XXXX. XXXX or proof of the alleged debt, including the original creditor 's name and address. 
XXXX. Documentation evidencing that the collection agency has legal authority to collect this debt. 
XXXX. A complete accounting of the alleged debt, including all charges, fees, and interest applied. I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency. 
Furthermore, please verify that the statute of limitations on this debt has not expired. I understand that, under 15 U.S.C. 1692g, you need to provide me with the requested information within 30 days of receiving this dispute. Failure to do so will result in the assumption that the debt is invalid, and you must promptly remove it from my credit report. Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and compliance with the FDCPA regulations.
Product: Credit reporting or other personal consumer reports

Despite numerous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are entirely unrelated to me, and I hold no responsibility for them. Their presence has caused me considerable emotional and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not properly addressed. These inaccurate and fraudulent items have severely impacted my ability to purchase my dream home and provide for my family 's needs. The toll on my financial stability has been significant.
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

Nationstar Mortgage They took over our loan in 2015. Immediately started calling and saying we were late on our payments. At this point they are reporting that we are 3 months behind but we have proof of payments. They sent us to research department, but could only contact through uploading documents. They said that their research is correct and we are late. They keep offering ( through letters ) to do a loan reset. When we actually talk to someone they deny it. They keep offering to assist us to get our loan up to date, but deny all options. They keep sending us letters of foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions.

Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Product: Credit card or prepaid card

I called Best Buy credit card customer service to dispute debt protection plan charges that I never ask for on XX/XX/2020 ( around XXXX ). The customer service agent stated that Citi Bank doesn't offer the protection plan service and I would have to call the 3rd party service that put the protection plan on my Best But credit card. I had the CSR give me the number and I repeated it back, she stated that was correct. I called the 800 number that was given to me and it is no longer in service. My statements online only go back to XXXX in which I have been charged around $ XXXXfor the " Debt Protection '' service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial letter on XXXX this year and file FTC last XXXX and sent a follow up email last XXXX to the XXXX, but received no response. I have 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence 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 punctually. I urge 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. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Product: Checking or savings account

I went to the ATM on XXXX XXXX XXXX, XXXX XXXX at XXXX and used ATM number XXXX | XXXX | XXXX to deposit {$450.00} cash into the machine the machine took my {$300.00} cash and then stopped my transaction immediately and gave me an error Cash deposits, bill payments, and check deposits are currently unavailable no payment was processed and I didnt get my cash back or any receipt. I spoke to 2 associates in the branch and they couldnt help they said to call the number on the back of the card. I spoke to one representative which reffed me to supervisor named XXXX at XXXX and she refused to file a formal complaint that the money was taken. I called again and spoke to another representative named XXXX at XXXX and all she did was make a note on my account to call back in XXXX hours. They refused to run an investigation and no cash was returned
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Dear Equifax Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the XXXX allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 

Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

XXXX XXXX XXXX : Account number : XXXX, Erroneous. Monthly payment should be reported correctly. 

XXXX XXXX : Account number : XXXX, Erroneous. Monthly payment should be reported correctly. 

XXXX XXXX : Account number : XXXX, Erroneous. Monthly payment should be reported correctly. 

I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. A XXXX XXXX XXXX XXXX  has been impersonating me. on XX/XX/2022 ( XXXX ), she took unauthorized photos of my son XXXX XXXX XXXX and posting them on XXXX. She has been pretending to be me for years. XXXX XXXX XXXXXXXX XXXX is a dangerous individual, scammer, impersonator.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent/unauthorized inquiry off my account from XXXX XXXX XXXX XX/XX/2022. Provide proof in writing within 30 days or remove from my report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to utilize my CashApp account and was told my account was closed due to " activity that goes against their Terms of Service ''. I have contacted CashApp through the chat portal multiple times trying to understand what policy I violated. None of the agents can provide answers. XXXX agent suggested it was that I possibly violated the non-gambling stipulation. I do not gamble and have never gambled on the app. Today, XX/XX/XXXX, the most recent agent, XXXX, was rude, condescending, and more importantly blatantly accusatory. Within a XXXX second ( literally ) time frame via text he tells me, he has resolved my case and because I did not provide supporting documentation that he reached a decision and was closing my case ( XXXX ). I explained I would not be able to provide " supporting documentation '' because I was never told which policy I violated. I can't defend what has not been explained. From there, XXXX, told me " After reviewing your previous message, I can confirm that we have thoroughly investigated your concerns and provided an outcome to the issues you raised. '' I don't understand how XXXX was able to " thoroughly investigate '' my case within XXXX seconds via chat. 

Something seems off with this company. This is the second time I have been either charged or accused of inaccurate activities. In XXXX I was accused and charged for operating under a business account of which I was later refunded because CashApp agents found it to be inaccurate.
Product: Money transfer, virtual currency, or money service

Hello, I purchased a generator on XXXX for {$250.00} on XX/XX/2022 and paid through PayPal. 
The package was delivered on XXXX, XXXX. The problem is it wasn't delivered to my address. I contacted the seller right away and they agreed it was shipped to the wrong address and last name, but the same city. Street address doesn't appear on the tracking information. 
They promised to solve the problem with XXXX, to ship another generator, but didn't do any of that. 
Another thing is weight of the package, according to XXXX, is XXXXXXXX XXXX. Ordered generator is XXXXXXXX XXXX. 
I have opened a dispute on PayPal, but it was closed immediately after they contacted XXXX, because the package is marked as delivered. Their online representative didn't help at all. I can not appeal. 
However, I don't receive anything. Contacted XXXX online and their representative confirmed that the package was shipped to the completely different address. 
Screen shots of the chat with XXXX agents, reply from the shipper and tracking information with weight of the package and the wrong last name are attached. 

Thank you.