23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National credit systems is violating the Fair Debt Collection protection act. This collection company never reach out to me to validate the debt prior to placing on my credit. The invalid debt reported on my credit as open collection since XX/XX/XXXX and first appeared on my credit late XX/XX/XXXX is inaccurate this account was never a collection account and was paid in full at the time they reported to the credit bureaus the status of the debt is inaccurate due to account being paid as agreed and closed. I further confirmed with the original creditor Wildgrass apartments the amount reported is incorrect balance is XXXX the open date is incorrect furthermore the company was advised by the original creditor on XX/XX/XXXX that this is not a collection account National credit system further proceeded in violating the FDCPA by reporting all of the above inaccurate information again to all credit bureaus on XX/XX/XXXX inaccurate information and no one never contacted me from their company by written and or verbal communication prior to placing this debt on my credit which violates the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 
there are items in my credit report that are misleading and inaccurate, I need the items investigated. please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXXXXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX   and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( Vital Recovery Services , LLC ) at my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for a car loan through a private lender. It made me go to the TransUnion website and get my credit score to type in to their website. At no time did I check any boxes agreeing to pay after 7 days. We paid {$1.00} to get my score. Today, XX/XX/2019, I had a charge of {$19.00} come out of my bank account from TransUnion. When I called, they were dodging the issue, couldn't tell me what they were charging me for, wanted me to provide another credit card number, and didn't want to refund the service fee. They wouldn't even tell me what they were charging me for. 

They have claimed to have cancelled the subscription, but have not refunded my money that I never authorized them to take.
Product: Credit reporting or other personal consumer reports

I asked the bureaus to update my address but they dont ever do it. 

I need these addresses removed immediately as information attached to creditor reports of other people with similar names and addresses keeps being reported to mine. 

XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX I only live here : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  Account # : - XXXX ( UNVERIFIED ) XXXX XXXX Account # : - - XXXX ( UNVERIFIED ) XXXX XXXX  XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX  XXXX Account # : - - XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX  XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX  Account # : XXXX ( UNVERIFIED ) XXXX XXXX XXXX Account # : XXXX ( UNVERIFIED )
Product: Credit card

My name is XXXX XXXX XXXX XXXX and I opened a Wells Fargo Credit card back in XXXX of 2015. As of XXXX this year the bank had not reported any of payment activities to the credit bureau contrary to their credit reporting policy which states that they need to report all accounts on a monthly basis. 
I 'm trying to accomplish a credit history using this Credit card and as result of their deceptive and unfair business practices I 'm not able to do. I reached to Wells Fargo by phone, in writing and even went to the branch and worked with a banker to resolve the issue but it remained uncorrected.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the unauthorized inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was granted funds from PA XXXX intended to pay my mortgage through XX/XX/XXXX as stated in the email I received from XXXX. My mortgage company is stating that the loan was only paid through XX/XX/XXXX in their response to my last complaint. Where are the rest of the funds? They need to fix this issue.
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 XXXX XXXX Account Number:XXXX  Account Name : DEPTEDXXXX Account Number:XXXX  has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vechicle and due to this was our first car loan and we are XXXX XXXX   I couldnt get approved they took 3 months of them pulling my credit after pulling from XXXX to XXXX same Companies each month kept pulling thisnis illegal I never authorized it 4 months straight and destroyed my credit and now since they ruined our credit we can get approved to even rent a place please help they killed our credit in one month it dropped 122 points help please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX, account name, XXXX XXXX, account, number, XXXX XXXX, XXXX XXXX XXXX, account XXXX accountname, XXXX XXXX XXXX account XXXX accountname,
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is not accepting my request for deletion and are not acknowledging Arizona 's Statutory limits. They are also going against Arizona 's Usury law of 10 %. The original debt was {$200.00} and is now {$290.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/21 XXXX XXXX XXXXXXXX froze my checking account with no answer they would just tell me it was under reviewed after a year later I was told it was closed due to me having a lot of incoming money and were was my money coming from and who ever send me money they were sending them the money ( they never did ) some money was from my husbands card to mine and they never gave it to him either and me and my husband went to XXXX XXXX XXXX they would check my account and would always say its under investigation and gave me a phone number I would call and I would get answers like the will let me know and never did I called XXXX XXXX for about a 1 or more. I asked about an account that was under my daughters name and mine and it was child support money that they said would give back and never did XXXX XXXX XXXX kept all that and I would ask how is my account fraud? And they said it is and then even told me why my husband would use my card if he wasnt authorized I told them at that time we would put money in there he didnt have an account and we were married that if I was accepting his transaction why did it matter? They just said it wasnt under his name. So Im not sure how this account ever was fraud and why did it matter the incoming transactions I had if I told them it was for classic cars my husband had sold and were doing payments every month so it doesnt make sense how its fraud?
Product: Debt collection

I Have proof that the debt was sitteled and full I paid via there collection XXXX party but they will not remove/update to show this debt paid in full. I settled this debt in good fait and attached documentation to this fact. my emails and not answered. 

The settlement via there XXXX party total card services was $ XXXX was paid
Product: Debt collection

All of the collections showing up on my credit are false. Ive fixed them on XXXX and I want them off my trans union as soon as possible thanks!
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX XXXX  - XXXX - {$0.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Debt collection

I received a letter from Credit Collection Services dated XXXX  in the amount of {$38.00} for encompass insurance. 

I used to have an account with encompass, but it's closed. 

I called encompass, who merged and operates under the name national general insurance now. I asked about the debt. The CSR said there was no outstanding balance, and she didn't know why it was sent to CCS. I asked her to confirm 3 times that she had access to all documents that pertain to my account. ( given the strangeness and timeline of the merger ). She confirmed all times that there is no outstanding debt.
Product: Credit reporting or other personal consumer reports

l reviewed my consumer reports and noticed XXXX XXXX had XXXX late payments on an account tha lead never late for customer XXXX  reporting agencies have assumed a vital role and have a responsibility to to repot consumer information to the best of their ability with maximum accuracy l have never been late on payment for the account XXXX XXXX XXXX XXXX please investigate and provide proof with statement showing tha these payment be updated to on time as they should be as l was NEVER late. Thank
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX never gave TransUnion written consent to furnish certain information on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ), any information furnished has to be in accordance with the written instructions of the consumer. 

I, XXXX XXXX entered into consumer credit transactions through the approvals of extensions of credit from my credit card, which should be excluded from consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). 

This company has been notified about not having my written consent and given an opportunity to resolve the matter however stood by their decision to not make the necessary changes for a specific account. They have willfully and knowingly violated this section under the FCRA.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/year> I activated the tap to pay feature for my business. I used the Try a payment button to send myself {$1.00} with my XXXX XXXX card. It was successful. That same day, I uploaded pictures of my jewelry to the website and updated my profile pictures. The next day, XX/XX/year>, I received an email from Venmo stating my account was frozen due to possible User Agreement violations. They asked for my ID. I complied and sent in a photo of my id and passport. I contacted the company via Chat XX/XX/year>. They said they could not tell me why I was suspended. Later that day I was notified I was permanently banned without explanation. My personal account in them that is now unavailable to me. I strongly believe that this band was a mistake and I would like my account reinstated and access to my money.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX Employers : XXXX Name : XXXX XXXX XXXX Name : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I received a check from a third party that I deposited in my Chase checking account. A few days later I went to the Chase branch on XXXX XXXX & XXXX XXXX in XXXX and sat with a banker ( XXXX ) to confirm that the cashiers check was cleared. XXXX confirmed it was money good. Based on that confirmation I sent a {$1000.00} XXXX payment from my funds to a party that the original third party ( a XXXX XXXX ) requested I provide with excess funds to the check he issued me. 
Turns out the check I deposited from the third party was returned by the other bank - I believe because it was a forgery. 
I spoke to Chases fraud department ( XXXX XXXX and asked why a checked cleared by XXXX would turn out to be fraudulent yet I relied on them confirming it was cleared with funds available to in turn XXXX a {$1000.00} payment request by the check writer / third party? XXXX said while the bank cleared it on their end a day after I deposited it ( and a few days after I visited the branch to confirm ) and the funds where available in my account it takes XXXX business day for them to clear the check with the other bank. I asked XXXX how I could recover the {$1000.00} XXXX sent out after relying on Chase confirming it was good but ultimately bounced? XXXX said even though XXXX made the funds available in my account they have those XXXX business days for clearance and that it was my responsibility and my loss. 
I considered contacting XXXX but when you do a transaction with them the warnings are pretty clear that it is at the senders risk. 
My complaint is with XXXX and why they dont wait the full XXXX business days before making the funds available and why the personal banker at the branch ( XXXX XXXX didnt know or didnt inform me that even though I specifically went to the branch to confirm the check was good there was still a risk that it could be bad because the full XXXX business days had not occurred. 
My action to go ahead and XXXX a {$1000.00} to an unknown party strictly relied on XXXX confirming both electronic and in person the check was good.
Product: Credit card or prepaid card

On or about XX/XX/2021, I used my Citibank card to purchase two round-trip flight tickets from XXXX air for {$1100.00}. We flew on the outbound leg but XXXX canceled the return flights. XXXX was unable to provide a replacement return flight. 

I attempted to get a refund from XXXX, but they did not follow their own procedures and failed to provide a refund in a timely manner. 

I initiated a dispute for {$570.00} ( half of the amount charged ) on XX/XX/2021. 

The only communications that I received from Citibank were : - An immediate communication stating that a temporary credit was being provided. 
- An email on XX/XX/2021 stating that they had contacted the merchant - An email on XX/XX/2021 stating that they had received information from the merchant and would contact me within 10 business days. 

On XX/XX/2021, I logged in to my account to find that the dispute credit had been reversed. After talking with various Citibank representatives, it seems that Citibank intended to send me a letter requesting more information. However, a review of my records shows that they never did so.
Product: Mortgage

CHANGING MONTHLY MORTGAGE PAYMENT AMOUNTS?. WHY ESCROW ACCOUNT MONTHLY AMOUNT CHANGED AND OR WENT UP IN MONTHLY AMOUNT DUE?. WHY MONTHLY MORTGAGE PAYMENT " DID-NOT '' GO DOWN, BECAUSE : HOME-OWNERS-INSURANCE COSTS / MONTHLY WERE REDUCED BY AT LEAST 50 %?. UNABLE TO REFINANCE HOME BECAUSE OF " XXXX '' REPORTING AND OR NOT REPORTING CORRECT PAYMENT HISTORY?
Product: Credit reporting, credit repair services, or other personal consumer reports

These Lates Are False and must be CORRECTED : XXXX XXXX XXXX - Balance {$370.00} Opened XX/XX/XXXX This card was originally a XXXX card and then it switched to XXXX. The company somehow mixed up my account and my automatic payments were not transferred over when the bank was sold. This late payment showing on XX/XX/XXXX is FALSE. 

XXXX XXXX - XXXX {$23000.00} Opened XX/XX/XXXX Showing incorrect late XX/XX/XXXX. I have automated payments and I have never been late. This late is incorrect. 

XXXX XXXX XXXX XXXX- {$5400.00} Opened XX/XX/XXXX Showing incorrect late. I updated my debit card information, but for some reason, they didnt process it and it resulted in an incorrect late showing on my credit. Remove this immediately.
Product: Credit reporting or other personal consumer reports

This is my final warning before seeking legal action! 
I demand this account be deleted immediately!
Product: Debt collection

In 2012, my now ex-girlfriend added my name as an authorized user on her {$10000.00} limit card from Wells Fargo. She maxed out her card, and now the bank is reporting my to credit agencies. As an authorized user on an account, I can not be held liable for the debt incurred. The bank does not seem to understand this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX/XXXX XXXX
Product: Checking or savings account

I am XXXX XXXX  so I am contacting you via email regarding my concern for a dispute I currently have open for unauthorized theft of my debit card. 

When I opened this claim I informed the person taking the claim the following. 

I used my card for gas on the day I went to urgent care for not feeling well. I had a XXXX test that same day I used my card at the gas station. It appears the next day my card was used twice a day on a daily basis until my balance was to {$3.00}. 

During my initial claim I stated I tried paying at the pump but the screen would ask for a pin number but still not authorize. I had to go inside and there was a very long line because it seemed everyone was having an issue with paying at the pump. 

I faxed a copy of my XXXX XXXX message received to my phone into your disputes department. This would show that I was confined home and not feeling well while my card was being used daily with no unusual activity being picked up by USAA 's system. 

Today I stopped for gas at the same station and there was a man taking videos and photos of a device attached to the pumps and the ATM machine at this same gas station. I used my card then the theft occurred. 

I am attaching photos of this device the man was pulling from the pumps and two ATM machines. I do believe he called the police to report this and turn the devices over to authorities. 

Please have this information reviewed and sent to your disputes department to assist in the possible recovery of my approx {$3500.00}. 

Thank you and if you need my assistance please send me an email. XXXX XXXX & Happy Holidays.