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

On XX/XX/XXXX, a collection from CEP america showed up on my consumer credit report. I let XXXX know, and I was told it was removed, but have had no confirmation. 
Per HIPAA, the FCRA and the privacy act of 1974, as a federally protected consumer, This violates my right to privacy. This has led to a great deal of emotional and financial stress in my life. I have attempted to contact XXXX on numerous occasions, and have had no success. I want this situation resolved immediately. I have waited to long, and have suffered a great deal of stress already.
Product: Credit reporting or other personal consumer reports

My ex girlfriend opened a bunch of stuff in my name, please take off the following accounts from my report. They are not mine.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt i am interested in processing disputes for inaccuracy on my credit report an i accurate accounts thats are not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft i have no knowledge of the invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap
Product: Checking or savings account

My account was hacked, the money that was took was charged to me and now my account is negative XXXX XXXX dollars. The money I had in the account was taken and the bank wont give me my money back
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 a credit card account XXXX XXXXXXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies XXXX, Equifax and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report. 
The XXXX XXXX XXXX, already responded my claim and closed the account without perjudice to my report but the XXXX, XXXX and Equifax are still reporting the alleged account under my name, damaging my report and credit score by reporting an account that IS NOT MINE as the XXXX XXXX  already admitted.
Product: Credit reporting or other personal consumer reports

AFTER SUBMIT A COMPLAINT WITH COLLECTION AGENCY, BELOW WILL BE THEIR ANSWER XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is a debt collection agency. The complainant has previously filed a complaint under Reference XXXX. The complainant alleges that the product or service is a payday loan in this current complaint. After a thorough review of our records, we can confirm that the complainant has no accounts with our office related to a payday loan. Should the complainant require further assistance or clarification, they are welcome to contact our XXXX XXXX XXXX, XXXX XXXX, at XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request to Update Credit Report Charge-Off Status** To Whom It May Concern, I am writing to address an urgent issue regarding the reporting of an account on my credit report. The account in question has been **charged off** by the creditor. I am in the process of reporting the canceled debt as income to the IRS. However, I have not received a **Form 1099-C** from the creditor, which is necessary for accurate tax reporting. Please note this has been Charged off for 3 years! 

Account Details : - Creditor Name : XXXX - Account Number : XXXX - Charge-Off Date : XX/XX/2021 - Amount of Debt : {$2400.00} Immediate Action Required : Update Credit Report : - Given that the debt has been canceled, I request that this account be : - Removed from my credit report, or - Updated to reflect that the debt has been settled or canceled. 

Accurate reporting is critical to avoid complications with my credit profile and tax filings. 

2. Lack of Power of Attorney : - The creditor does not have any Power of Attorney to act or report on my behalf. Sole POA belongs to XXXX XXXX XXXX XXXX. This lack of authorization further complicates the accuracy of the reporting.If this matter is not resolved promptly, I may consider pursuing legal action to enforce my rights and ensure accurate reporting.

Additionally, as a credit reporting agency, you are obligated to comply with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and completeness of information reported. The continued inaccuracy of this account may constitute a violation of these standards.The incorrect reporting has significant personal and financial implications, making it imperative that this issue be addressed immediately.

3. IRS Reporting : - Should this matter not be resolved within **15 days** from the date of this letter, I will proceed with filing **IRS Form 3949-A ( Information Referral ) ** to report non-compliance by the creditor. Please note that the creditors willful neglect to report this account as required by IRS statutes since XXXX  further exacerbates the issue.

4. Legal Implications : - This letter may serve as evidence should legal action be necessary. It demonstrates the reporting agencys awareness of the issue ( inaccurate reporting, Assuming POA, and potential tax implications ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My disappoint me has taken me to this point. I am writing to let you know that this account is negatively affecting me and my credit score- which then affects my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that are incorrect are reporting on my credit reports 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

I am writing to dispute the accuracy of an item that has recently reappeared on my credit report. Specifically, the negative item reported by XXXX XXXX XXXXXXXX has reappeared without any notification, contrary to the protections afforded to me under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Relevant Information : This negative item was previously removed from my credit report. 
I was not notified of its reappearance, which is a violation of the FCRA 's requirements for consumer notification. 
\ Details of the Disputed Item : Account Name XXXX XXXX XXXX XXXXXXXX Notification to the Consumer : If the item is reinserted, the credit reporting agency is required to notify you within five business days. The notice must include the following : That the item has been reinserted. 
The name, address, and telephone number of the creditor or furnisher of the information. 
Your right to request a free copy of your credit report and to add a statement disputing the accuracy or completeness of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed on my credit report were open fraudulently. I did not open nor did I authorize anyone to open these accounts. Attached is the letter I sent and the supporting documentation that should have resolved this issue. As of today, the credit reporting agency has failed to comply with FCRA and has damaged my credit reputation.
Product: Debt collection

On XX/XX/2022 I sent Wakefield & Associates a letter letting them know that I had no knowledge of the balance that was reporting on the account and I asked them to verify that this account was reporting maximum possible accuracy. I let them know that they had 30 days after the receipt of the letter to respond after conducting a reasonable investigation to verify that this account was mine. I told them that if they could not verify the information that it needed to be removed from my credit report. I asked Wakefield to send me the confirmation that the information was deleted from my credit report if they could not provide proof. On XX/XX/2022 after not receiving a response from them within 30 days I sent a letter to XXXX asking them to investigate this account for me as well. I let XXXX know that according to the FCRA that they must investigate this account and check with the creditor who has posted them. I sent in a copy of my ID and also proof of my address with this letter. On XX/XX/2022 I sent another letter to XXXX that was a formal complaint about ignoring my previous request and failing to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports that they publish. I then asked them to reinvestigate and according to federal law, they had 30 days to complete the reinvestigation and to provide proof of the investigation within 15 days of its completion. It is now XX/XX/2022 and I still have yet to hear back from XXXX or Wakefield and Associates I am in the process of sending another letter to them. I have reached out and given them an ample amount of time in order to send proof of this account and they have violated my consumer rights according to the FCRA by failing to do so. I would like this account to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I checked out my credit profile and noticed there were some hard inquiries that are not mine.
Product: Debt collection

a debt I want to resolve but the amount has been XXXX they want down payment of a little over {$400.00} before they talk about a program to get on. I am really concerned about the amount. the company is Midland Funding LLC. collection agency, I do not have that kind of money. I defaulted but I want to do the right thing. The account debt was bought from XXXX the original credit card issuer. The sum of {$1500.00} as the principal amount. Please help.
Product: Credit card or prepaid card

I am XXXX XXXX of XXXX XXXX XXXX, XXXX, fl XXXX. Email XXXX. Phone # XXXX. 

On XX/XX/XXXX of this year an unknown person went to my local post office and fraudulently submitted mail forwarding from my home to : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX On the same day an account with Capital One was opened in my name. I have never had, do not have, nor have I ever applied for any product with Capital One. 

On XX/XX/XXXX, Capital One contacted me via letter requesting further information about what they claimed was my application, funny, perhaps they have should done that before they gave up {$32000.00} and ruined by credit, and created distrees, anxiety, and massive inconvenience, affecting my personal and professional life. I learned that someone opened this account and charged over {$32000.00} to it. No payments were ever made. 

My credit score has dropped over 200 points. 

Capital One has promised to resolve the issue but it still appears on my credit. They have been very difficult to work with. I cant understand how they would give so much money out in my name without bothering to confirm my identity thoroughly. 

Capital One case # for account ending in XXXX, case # XXXX XXXX XXXX XXXX What can I do to resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BANK OF AMERICA XXXX Open Date XX/XX/2005 Balance : {$25000.00}
Product: Checking or savings account

Dear CFPB, I am writing to provide an update and clarification regarding my previous complaint involving XXXX XXXX  and Marcus by Goldman Sachs, referenced under complaint ID # XXXX 

Upon further investigation, I now understand that XXXX XXXX  was not at fault for the payment issues in XXXX. Instead, the issue originated with Marcus by Goldman Sachs. Here is a detailed account of what occurred : In XXXX, XXXX XXXX attempted to withdraw funds for my loan payment but informed me that the transaction could not be completed due to insufficient funds. I verified with Marcus that I had sufficient funds in my account at the time. Despite this assurance, the payment failed. 

In XXXX, a similar issue occurred. XXXX XXXX  again notified me that they were unable to process the payment due to insufficient funds. I immediately contacted Marcus to verify my account balance. The representative assured me that I had sufficient funds and did not see any pending transaction from XXXX XXXX. When I explained the prior incident in XXXX, I requested to speak with someone higher up who might have access to additional account details. 

Upon speaking with a supervisor, it was confirmed that XXXX XXXX notification was correct. The funds in my account were not yet available due to Marcuss internal policy regarding deposit processing times ( 4-5 days ), which differentiates between account balance and available balance. 

I am deeply frustrated by the conflicting information I received from Marcus representatives prior to speaking with the supervisor. Multiple employees assured me that I had sufficient funds, which misled me and caused significant consequences : My credit score was negatively impacted. 
My job as an active-duty service member, along with my security clearance, was put at risk. 
I faced potential setbacks in the process of purchasing a home. 

The supervisor ultimately confirmed the issue, but the initial responses from Marcus representatives showed a lack of clarity and understanding of their own policies. Furthermore, the dismissive attitude of the representative, who suggested I should have known their deposit policy, was inappropriate and unhelpful given the severity of the situation. 

This experience has caused undue stress and financial repercussions, and I request that Marcus by Goldman Sachs be held accountable for providing unclear and inconsistent information. Additionally, I ask that this matter be investigated further to ensure that others are not similarly misled or impacted by these practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Accounts have violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Money transfer, virtual currency, or money service

I signed up to use Freedom Debt as I had 2 XX/XX/XXXX and was in midst of a divorce causing financial hardship in XX/XX/XXXX. I was told in XXXX that I would have debt settled in the range of 40 % -65 %. With fees my settlements included to be 8 % debt reduction. No where between range promised. 

I messaged Freedom debt on their app what the pay off would be and how soon it would pay all accounts and graduate from program in XX/XX/XXXX. I was told the amount was and it was 30 days and all would be completed. I made the deposit requested by FDR on XX/XX/XXXX I messaged in XXXX after 30 days as accounts were not being paid and fees were continuing. They were withdrawing more money from my accounts due to these not being resolved. 

I messaged again in XXXX after 30 days from may contact. Accounts were not being paid still and fees were continuing. They were withdrawing more money from my accounts due to these not being resolved. 

I messaged again in 2 weeks later XXXX after early XXXX contact. Accounts were not being paid still. I told FDR to seize and desist from withdrawing from my bank accounts. They still did it after the seize and desist request. I have screen shots of the messages related to these messages. I complained to FDR yet again and told them next time an attorney will be contacting them. They resolved the debt immedialtey and was paid of XX/XX/XXXX. 

Today the accounts are paid off but continue to take fees on remainder of balance. I have exhausted all possibilities of working with FDR when seize and desist order was not taken seriously. 

They extended my poor credit even longer so I could not refinance my house in time per court order and affected my credit scores to stay poor longer than necessary.
Product: Credit card

On XX/XX/year>, I first received a letter from XXXX XXXX to notify me that there was possibility of an an identification theft and to call if I did not apply for a credit card. 
XX/XX/XXXX, XXXX Ran an annual credit report and noticed that there was several credit check attempts from different banks that I had not made. 
XX/XX/XXXX, XXXX and set fraud alerts with the XXXX credit bureaus. 
XX/XX/XXXX, XXXX Received a credit card from Truist Bank ready to activate, which I never applied. 
XX/XX/XXXX, XXXX-Visited Truist Bank to confirm of an existing credit card application and they confirmed. Office XXXX there said he would have a XXXX call me because he was knew to that. He only provide a phone number on application that was not mine and an email that was not mine.
Product: Checking or savings account

On XX/XX/22 I opened a U.S. Bank Smartly Checking account, with the promise of {$500.00} as a bonus for depositing over {$6000.00} or more in direct deposits. In addition, the fine print also stated that you needed to have mobile banking and you could not have a previous account with the bank within the last 24 months. The offer code of XXXX was attached to the application and the the application was directly submitted from the US bank website. No third party sites were used. The deadline to receive the bonus happened last week, and now the bank is stating that this offer was a targeted offer only and Im not eligible. This bank and its promotional offers are deceiving to clients, as the bank uses a bait and switch approach to lure its customers to open accounts and not pay out the bonus. They have multiple offers for checking account bonuses and each one worded differently. There was no verbiage of XXXX  Offer in the disclosures. Ive tried to reach out to the bank and they tell me that the offer was a mistake, or that there is nothing they can do because it was targeted ( which there was no verbiage ) of that being a case. I literally got the offer code from their site. Be careful about using this bank and their offers.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It had XXXX late payment on an account that was paid on time. The consumer agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint. I'm now requesting you investigate this account and this payment to be paid on time. Thank you for understanding.
Product: Debt collection

XXXX / XXXX reporting is inaccurate : My history the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report!

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in
Product: Student loan

I sent navient all the paperwork they need to do a discharge for my student loans and they have denied me twice I went to XXXX University online and they committed fraud and their college was closed and now I am still in school and navient will not dischage these loans so that I can re add back my subsidized and unsubsidized by this school. I would like to get these loans discharged so that I can finish the next two years of my XXXX then get my XXXX without the rest of this funding I will have to drop from college at XXXX University.