23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Via Capital One online bill pay, I requested that $ XXXX be paid to [ payee ] on XX/XX/21. The payment appears to have been made as requested, sent as a paper check to the payee. Capital One claims that the check was cashed XX/XX/21, however the payee claims to have never received it. Payee has requested a front-and-back copy of the processed check to see who endorsed it and the processing information. This should be an incredibly simple request. However, I have been on on the phone with Capital One now for THREE HOURS ( over various calls and several days ) with no resolution. Three times they have sent me a copy of the original check with no endorsement or processing on the back. They give me SUCH a run around when I call, putting me on hold, transferring me to someone else, etc. The call I'm on as I type this is currently in its 41st minute, and I asked FROM THE GET GO to speak with a manager because I have learned that the people in the first line don't understand check routing and can't follow a simple request. 41 minutes in, and I still have not been allowed to talk with a manager. ALL I need is a copy of the processed check. Thankfully this is just $ XXXX, and at this rate I'd be better off just repaying it. But I'm deeply bothered by their incompetence -- what if this were a {>= $1,000,000} check?!? This is an abhorrent display of dysfunction, incompetence, and disrespect of my time. ( Information redacted due to publishing privacy concerns )
Product: Debt collection

I have sent many disputes to the Credit Agencies and to Fair Collections and Out in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Fair Collections and Out verified that this account is accurate. But it is ironic how Fair Collections and Out will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Fair Collections and Out. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my wallet is stolen.The perpetrator tried to open two credit card accounts under my name XXXX XXXX, I had the two credit cards removed from my credit history with Experian. I notice on my credit history a bankruptcy on my account under the name and a middle initial ( XXXX XXXX XXXX ), I had Experian and XXXX investigate this matter. My name is ( XXXX XXXX ),  No middle Initial. I called the bankruptcy court and i was informed that The U.S. Bankruptcy Court, XXXX District of California does not report information to any credit reporting agency. In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 c ( a ) 1, XXXX and Experian are refusing to remove and delete this bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and need to be removed and deleted from my credit report. Acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX.
Product: Debt collection

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Square , Inc, Square Up, www.squareup.com deactivated a money processing account I had with them without notice. I received an email and could not call to question why. In the email I was told the remaining balance would be released to me in 90 days. 

After receiving an email from a XXXX in Account Services I am still unable to transfer my {$1900.00} out of this companys account. I have tried unsuccessfully many times to email them back since my account is deactivated and I cant call. 

They are intentionally defrauding me out of getting my money back.
Product: Credit reporting or other personal consumer reports

I received a letter from TD Bank signed by a " Customer Experience Advocate named XXXX '' with no last name or ID number provided, and I was not given a direct contact number. Instead, I was directed to a general number, which led to being transferred multiple times and kept on hold for over an hour without any resolution. 
The letter claimed that TD Bank had attempted to contact me, which is inaccurate. I received one call from a TD Bank employee that I missed, and my answering service recorded the call. The employee left a message with a callback number, which I did reach out to. However, I only got an answering service, left a message, and received no further communication. The employee did not follow up or leave additional messages. 
Additionally, the letter asserted that the settlement letter had been reviewed and that the online telephone number was correctthis too is incorrect. A quick call to the provided number reveals it to be for a life alert scam. 
The letter also mentioned that I refused to be recorded. This happened because they would not permit me to record the conversation while they were recording it.
Product: Credit reporting or other personal consumer reports

Inaccurate Credit Reporting ( 15 USC 16812 ) I am writing the letter to inform you that I have notified the credt bureau of misreporting by your company in accordance with the Fair Credit Reporting Act. Accoring to which, as the furnither of the aiormation in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$23000.00} Equifax : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX  : XXXX Is showing a balance of XXXX : {$850.00} Equifax : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$2000.00} Equifax : {$2000.00} XXXX : {$2000.00} When it is my understanding a reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing amounts of The following account XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$23000.00} Equifax : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX  : XXXX Is showing a balance of XXXX : {$850.00} Equifax : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of XXXX : {$2000.00} Equifax : {$2000.00} XXXX : {$2000.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. 

Especially with the actual knowledge notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the summary of my name, my tin, the date, and the amount of the discharged/charged off debt as prescribed by the secretary. Then I demand that the account be removed from my credit report asap.
Product: Checking or savings account

My USAA account has been frozen for over XXXX weeks. They will not tell me when it will be rectified and keep telling me to wait XXXX business days. I'm overseas with a XXXX, a toddler, and a wife, and the only income provider for my family we don't have access to our funds to pay bills or provide in our kids. I have been with this company for XXXX yrs., and this is the first time I have had any issues. I deposited XXXX credit card convenience checks blance transfers from my USAA visa card and bank XXXX XXXX XXXX card from offer with XXXX percent interest for 18 months. The money was taken from both credit cards. The bank held the funds and the money in my account for XXXX days. XXXX also confirm the funds went to USAA. Someone needs to find out why my funds it's frozen or when I can access my money! USAA has held my last XXXX payroll deposits. They even put a delinquent hold on my credit card and charged me a {$25.00} return fee because I couldn't pay the bill due to them freezing my account. This can't be legal? I have a large amount of money in my account and will close my accounts and change banks when THIS IS OVER. For weeks, I have called the banks to release the funds to my paycheck. The bank said someone would call about the issue and apologized for the situation, but I am still waiting to receive a call XXXX weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I initiated a credit freeze or alert with Experian. At some point I created an account with log-in ID but can not locate the info. This month I have tried to open a new credit card, but can not do so because of the Experian freeze and that a phone number was not associated with the account. At one point, I was able to reach someone at Experian and gave my phone number to attach to the account. Per XXXX XXXX, the application will still not go through because of no phone number attached. Now, I am unable to reach anybody at Experian. There is no way to obtain online help unless one can log in. When I click the " forgot login '' button, there is a message that the information was sent to my e-mail account but it is nowhere to be found including my spam and trash boxes. I have tried several phone numbers for Experian but can not reach a human to talk with anymore - only various dead-end options with the voice menu. In the meantime, I also received an e-mail from Experian that there are results of my " dispute ''. When I enter the case number from this e-mail, it does not work. I am not aware of any " dispute ''. Right now, I am unable to open a new credit card because Experian has me frozen and it is impossible to reach them.
Product: Checking or savings account

In XXXX of XXXX, I went to the Chase Bank near the XXXX XXXX to deposit 2 checks, 1 for XXXX, and one for XXXX. These checks were from a XXXX case I won. Since that time I tried to get access to my funds but Chase restricted my account, and asked me to bring proof of my address and I did that and then they still werent able to unrestrict my account and closed my account. Now, it has been 4 months of me calling Chase and Chase trying to verify the checks and to this day they say that can't verify it. I have brought in proof and still no release of funds. The 2 times I went and the CSR spoke of fraud on my part and that wasn't the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted and disputed inquiry from XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Federal Government XXXX XXXX XXXX XXXX XXXX, TX, XXXX ( XXXX ) XXXX I never applied or give permission to use or run my credit. I dont know wht this company is for or why they have my credit information. i filed a police report in XX/XX/XXXX with the XXXX district # XXXX for someone using my name and ssn for unemployment. I also placed a fraud alert on my credit reporton XX/XX/XXXX. Experian said inquiry will remain on my report for 2 year. and i dont understand how when i give them the required information that I'm a victim of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions BANKRUPTCY- XXXX XXXX REMOVED SO I NEED IT GONE ASAP. IF THEY'RE NOT REPORTING WHY ARE YOU???? THEY ALSO STATED THAT BANKRUPCIES IS PUBLIC INFORMATION< ANYONE CAN GET THAT INFO, SO WHY ARE YOU DAMAGING MY REPORT WITH FREE INFORMATION. 
15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Sent Letter of Validation to creditor and CC 'd bureaus XX/XX/2016. Creditor failed to respond within 30 days to the Letter of Validation. 
Sent Failure to Respond and request for removal to credit bureaus on XX/XX/2016. Received response from bureau, they did not remove item. 
Genesis Credit Management ( collector ) sent partial information on debt on XX/XX/2016, a full 90 after we had sent the original Letter of Validation. We ask that this debt be removed according to the Fair Debt Collection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following companies has violated my rights. 
15 U.S.C. 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. 

XXXX XXXX XXXX - XX/XX/XXXXXXXX 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: Student loan

My loan was paid off by a consolidation but they keep reporting it as late on my report. I dont think it was even a federal loan but they show it as such. On the Dept Ed site it shows it was paid off in consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

I have debt with National Auto Finance for a loan that I cosigned with my sister. She stopped paying on the car in 2010 and it was repossessed. The reason I am writing you is because the debt should not be on my credit report and has an illegal date of last activity, DLA, of  XX/XX/XXXX . It is showing up like I recently paid on this item which I have not and since it has been 7 years, it should not be on my credit report. Please have National Auto Finance remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I am contacting you because once again XXXX XXXX 2018 experian credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Consumer Loan

I have a loan with Toyota. I successfully applied for a two-billing-cycle deferral and paid a XXXX dollar deferral fee. Toyota misapplied the fee and put it towards my lease balance after I sent them the requisite forms and agreed upon the deferral terms. Now they say I am past due and have negatively reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, or about the month of XXXX XXXX  I received a letter in the mail stating that I applied for a credit card I did not recognize and my name was spelled wrong, XXXX instead of XXXX. Then, on XXXX XXXX XXXX I received an email from Experian stating that my email address was changed, when I never changed it. I tried to login to the account but the password had been changed. I called all three bureaus and put fraud alerts on all bureaus, but the scammer was able to lodge four hard inquiries that damaged my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX