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

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX paid in full
Product: Money transfer, virtual currency, or money service

I accidentally deposited {$200.00} into my Venmo account via a direct wire transfer from my bank. After waiting the standard 3-6 days for the funds to appear, I attempted to transfer the money back to my bank, but received a message saying the transaction couldn't be processed. When I reached out to customer support, I was informed that my account had been locked due to suspicious activity. The only transactions Ive made are for vending machines and sending my father {$230.00} for a plane ticket. 

I requested to speak with someone who could explain the situation further, but was told I had to wait for an email from another representative. The only communication I've received so far instructs me to scan my ID and wait seven days, which Im not comfortable doing. I believe there should be a way for me to withdraw my funds and close my account without providing sensitive information. Instead, I feel like I'm being stonewalled, and my {$200.00} is still being held.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information no knowledge of accounts filed with FTC and PO report, in violation of consumer rights, lending act and HIPPA
Product: Debt collection

I am writing to request a correction of the following information that appears on my XXXX, XXXX, XXXX XXXX report : Dispute XXXX o Account Number : XXXX o Amount : {$20000.00} o The report shows I currently owe money to XXXX that I have already paid. XXXX was paid in full, please close account as paid in full. 

Dispute XXXX o Account Number : UNKNOWN o Amount {$100.00} o Sunrise Credit Services appeared on my credit report without any notice. It is my consumers right and credit law that I be notified of any debts before appearing on my credit report. I am also not aware of the debt. 
Please delete this from my report. 

Dispute XXXX o Account Number : XXXX o Amount : {$830.00} o The report shows I currently owe money to XXXX that I have already repaid. XXXX or XXXX agreed to delete this account from my credit report as they were paid. 
o Please Delete. 

Dispute XXXX : Account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX is still reporting XXXX XXXX which was paid 2 years ago. 
Amount : {$830.00} Please delete. 

Dispute XXXX : Please remove the following addresses, they do not belong to me : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX PA XXXX I have attached a copy of my receipts and correspondence with the accounts mentioned. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In  XXXX   XXXX , I purchased  XXXX  {$500.00} prepa id Visa d ebit cards from a  XXXX  's grocery store in  XXXX   XXXX . They were issued  by U.S. B ank.  <P/> I attempted to use those cards, only to find out that they were n't activated properly. I called the number on the back of my card and was told to send a fax to  the Gift Card Activation de partment, which I did on  XXXX   XXXX ,  XXXX . I never heard anything back from anybody  at U.S. Bank.   <P/> Over the course of the next year, I would periodically attempt to check the balances on the cards using their online balance checker at   XXXX   XXXX   XXXX  . The cards never showed up on their online interface, so I assumed they continued to remain unactivated.  <P/> Frustrated, I finally called in again in  XXXX   XXXX  to investigate what was going on with my cards. It was then I learned that, despite being in my possession the entire time and nev er ( to m y knowledge ) being activated, the cards were totally drained of their balance. In fact, the cards were drained on  XXXX   XXXX ,  XXXX  - 2 days after I sent my fax. I was told to fill out a fraud form of some sort, which I promptly submitted. I was told that after filling out the form that  XXXX  new cards would be shipped to me.  <P/> My response fr om U.S. Bank  was frustrating, to say the least. They claim that they ca n't help me because I did not report the fraudulent activity within 120 days of the fraudulent transactions occurring. This, despite the fact that it would have been impossible for me to report any fraudulent activity, seeing as I did n't even know the cards were activated AND had no means of accessing information about the cards.  <P/> I still am unable to access the transaction history or learn any information about what happened with my cards, or how they were able to be used by another party despite being in my possession. I have reached out on several occasions over the past few months to no avail. My call s to U.S. Bank ha ve not resulted in any resolution, and nobody can explain to me how this all took place.  <P/> I thought I was out of options, but a colleague of mine referred me to CFPB, and I am now hoping you can help me get to the bottom of this.  <P/> Essentially, I have had {$1000.00} stolen from me. Please advise on what next steps I can take to get my money back.
Product: Money transfer, virtual currency, or money service

On XX/XX/27 I noticed two charges on my cash app, one for {$92.00} and one for {$8.00}, both going to a vendor named " Photography. '' ( from XXXX XXXX, CA - a place I've never been ) That was literally the name of the vendor. Obviously these charges are fraudulent. I did not authorize them. Cash app refuses to issue me a chargeback. I've contacted support and attempted escalation and still have not recovered my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capio partners XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Capio partners a debt collector intentionally and with intent to cause harm to my credit to force a settlement reported a debt with a service date of XX/XX/XXXX as being from XX/XX/XXXX and 90 days past due. 
This was done with the intent to force a settlement or compromise ( they offered to accept approx. 75 % of the amount in question for an immediate removal of the misreported information ) and with intent to harm my reputation and ability to
Product: Credit card

I used XXXX to fill out my 2015 Income Tax. From the beginning, it said 'Starting Free '. At no time during my tax preparation did they tell me I was upgrading to a Basic Status (! XXXX ) or to Deluxe Status ( XXXX ). Then, I get my Discover credit card statement and find a charge of {$29.00}. Site XXXX Ph. XXXX NY. I find this very deceptive and dishonest. They would not even allow me to make a copy of my return before filing. The return was rejected by IRS. Only several days later could I make a copy. 
They should have to ask a person if they want to continue if changing from 'free ' status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$0.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Debt collection

I do not owe this debt. I have contacted infinite and I do not owe this debt. They never updated the system after all claims were paid and attached is a copy of the paperwork to prove I don't owe anything to infinite or to this company that I have never heard of nor have a contract with. That also does not have a license to practice in my state. 
Please update your system and also remove this off my credit and don't contact me again.
Product: Credit reporting or other personal consumer reports

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX
Product: Credit reporting

All I wanted to do was delete these few items off of my credit report that are not mine.
Product: Student loan

Follows is copy of a complaint filed on the website of the creditor XXXX/Firstmark == XXXX XX/XX/2020 I seem to recall seeing verbiage on the website says something to the effect of " being committed to making loan repayment as easy as possible. '' Following is a accounting of an failed attempt to pay a debt in full using a valid instrument. 

Proceeds to pay-off my loan were secured and transmitted to XXXX/Firstmark with supporting documentation. The payment was confirmed as received by XXXX/Firstmark, and a confirmation number received. After several days, the account showed " Payment Reversed. '' I conducted several individual phone-calls to the issuer of the funds ( XXXX XXXX ) and to XXXX/Firstmark, as well as a conference-call including representatives of both these entities wherein receipt of the funds and validity of the submitted instrument were verified. Representatives of both entities acknowledged ( on a recorded line ) that i had committed no transactional error. At the conclusion of these communications, XXXX/Firstmark failed to receive the payment and settle the debt. 

If i committed no error, and the instrument used to repay the debt was verified as valid, i can only conclude that it is a failure of XXXX/Firstmark to live to its creed. XXXX/Firstmark 's relation to Nelnet is particularly noisome to me, and emphasizes XXXX/Firstmark 's its failure to " walk its talk. '' Please be advised that copy of this complaint will be forwarded to the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$360.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 UNAUTHORIZED INQUIRIES 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

There are so many attacks and dates on my record that I couldn't possibly be at to write all out.
Product: Mortgage

On XXXX XX/XX/XXXX, my mortgage servicing company charged me the amount of my mortgage ( {$1100.00} ). The mortgage servicing company then tried to charge me again on XXXX XX/XX/XXXX for the same amount for the same month 's payment. The result of this was an insufficient payment charge to my bank account ( {$29.00} ). The mortgage servicing company then tried to charge me again on XXXX XX/XX/XXXX resulting in another insufficient payment charge to my bank account ( {$29.00} ). Additionally, the mortgage servicing company added an insufficient payment charge to my loan account ( {$30.00} ). Due to the mortgage servicing company attempting to charge me for one month 's payment three times, I was unduly charged and additional {$88.00}. I called the company 's customer service line, who advised that it was an error on behalf of the company, and that it could be rectified by me sending the company my bank statement indicating the successful payment on XXXX XXXX and the subsequent charges. I sent the requested information through their customer service e-mail function shortly after and have since heard nothing from the company. I have continually had issues with this company, one which was handled by the CFPB.
Product: Student loan

Mohela has been unable to provide an accurate student loan payment history for my federal direct loans, and has been unable to provide an accurate refund of payments made during the COVID19 forbearance period. The refunds provided have been processed with no financial calculation data or payment history data to justify the amounts refunded. They have provided no accounting records to justify the actions that they have taken, the amounts they have provided as a refund, or a history of transactions for my account. 

Per my bank statements, I have made payments of {$18000.00} during the course of the forbearance period between XX/XX/XXXX and XX/XX/XXXX, I initially requested an account history and refund of payments on XXXX XXXX XXXX and have called monthly to check on the status of my requests. 

I have received a total of {$4900.00} of refund payments from the Department of Education over 5 separate checks as of XXXX XX/XX/XXXX. 

There has been no account statement or documentation from Mohela to accompany these checks or justify the amount or refund. When I called Mohela to verify the payment amounts, they stated they had no other records of my payments and considered the refund request complete. I have no documentation from Mohela verifying that I have made a refund request. I have no statements from Mohela at all. the online portal only says that " Due to the status of your account, limited information may be available on our website. '' This company is committing fraud and negligence at a national scale.
Product: Credit reporting or other personal consumer reports

I contacted XXXX  to handle a situation that occurred XXXX of XXXX  when a payment to XXXX  was returned and it was reported as a missed payment. I took care of it right away where XXXX  received their funds and everything was cool, they reported it as an on time payment. after I told XXXX and Transunion they removed the missed payment and reported it as an on time payment. a few days later i checked my credit report and XXXX and Transunion changed the status again as missed payment I contacted XXXX  again to double check the status of my payment when they had told me that it was 100 % paid on time. I then called XXXX and Transunion to let them know the status and they told me they would handle it but never did. 
i checked my credit report and noticed some inaccurate dates reporting from both XXXX and Transunion I highlighted them.
Product: Credit card

I made a purchase for a XXXX XXXX set for {$79.00}. After almost 2 months I received a product that I didn't order or purchase. I filed a complaint through XXXX & they did not resolve the issue & told me to file a dispute with my card issuer. I did that & they have not worked with me in a satisfactory manner. My brother died of XXXX unexpectedly on XX/XX/2023 & I was in XXXX for over a month. When I got back home to XXXX I called the company and submitted was I was told to submit. They denied me a credit saying I was missing information. I called & got the information they wanted me to submit. I faxed that to them. They had a complete packet from me that I mailed from my Post Office. Now they are saying I didn't have it all together in the same packet. They have all the information & more. I was scammed & they know this, XXXX ID # XXXX agreed with me on the phone the last time I called them. Now I need your help because I really don't appreciate being scammed by not only the original company in XXXX, but the credit card company here in the U.S.A. as well. Please help. I never received what I originally purchased and I just want the money back on my credit card in the amount of {$79.00}. 
XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This situation is completely unacceptable. Accounts in pending litigation are still appearing on my credit report, and its damaging my credit score every day. Ive reached out several times to correct this, but I havent seen any real progress.
Product: Credit reporting or other personal consumer reports

My credit card and bank account with Citibank was closed randomly with no explanation. I had XXXX $ in my account and it has been more than 60 days until I got my money back. As a result, I have not been able to pay my Credit card bill from the closed Citibank credit card. 

As a result my credit rating has collapsed and I have been getting no information from the ERO and the overall citibank customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed many items off my credit in which the credit company violated my consumer rights. XXXX XXXX balance of {$10000.00} is showing on my credit report for a repo which violates law UCC 9 PART 6 ; No pre sale letter sent before car was repoed, Repossession deficiency letter was not sent before Repo reported to creditors. The credit reporting agency marked it as updated XX/XX/XXXX. This item should be removed off of my credit after disputing it for this reason. 

XX/XX/XXXX XXXX disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments reported on open accounts that violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. results came back as update. 

XX/XX/XXXX I disputed XXXXXXXX XXXX XXXX  under violate consumer law 15 U.S, Code 1681a, 15 U.S. Code 1666b and 15 U.S. Code 1681i. reporting agency updated and did not remove. 

XX/XX/XXXX I disputed a public record XXXX XXXX bankruptcy XXXX reporting agency lists US BANKRUPTCY COURT VA XXXX as the people whom reported information to them. This was in fact false. US bankruptcy court does not share any information with any credit reporting company this is found on their website as well if you call which again violates me as a consumer under law 15 US CODE 1681A, 15 US CODE 1666B AND US CODE 1681i. 

I am asking that all of these items be removed from my credit report if not i will seek legal advice on moving forth in court due to my rights being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX XXXX credit # 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I have been submitting multiple dispute letters to request to remove the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that should have be corrected : XXXX XXXX Balance : {$170000.00} ; XXXX XXXX Balance : {$35000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX  XXXX Balance : {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1692G - Requested Purchase agreements all attached never received?

- copy of payment history - name and address of original creditor - proff of claim 15 U.S.C. 1692k - civil liability They sending letters with there logo 15 U.S.C. 1692c - communication - requested cease communication form of reporting to credit bureaus remove accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections I feel alot of my rights have been violated under FCRA please help this is preventing me and my family from buying my house
Product: Credit reporting, credit repair services, or other personal consumer reports

In recently reviewing my credit report, Ive discovered XXXX discrepancies still being reported on my credit report. I have contacted XXXX XXXX and verified that the payment history on my credit report is inaccurate. I have contacted Experian and sent proof of payment history twice and this information still has not been corrected. There are no late payments for the following dates as I advised Experian and sent proof of on time payments. I have also requested the name of the person Experian spoke with at XXXX, copies of any documentation from XXXX stating payments were made late. As of today I still have not received this information. 
XXXX XXXX No Late Payment for XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX