23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a transaction on XX/XX/XXXX  with XXXX, which is still showing a pending/authorization of {$10.00}. Goldman Sachs/Apple card did NOT void out this transaction after 30 days since it was NOT captured/posted by the vendor XXXX 

This is an error on the system for apple card, but the card company refuses to make adjustment to my card. I have called 5 times and used their online chat 3 times. I have also asked to escalate my issue for technical help. 

My card is showing a balance that I can not pay because it is " pending '', which will carry over as a statement balance at the end of XXXX to XXXX. This will affect my credit score. 

If Apple card would just " void '' this pending transaction, my balance would be {$0.00}. There would be NO money owed and I would not have a balance carried. 

I am negatively impacted because of improper software and CS help from Apple card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the itemsI demanding to be deleted immediately :
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 ever Aleutian requirements under the electronic fraud transfer act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App to take timely and effective measures to prevent and 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: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX i recieved a credit monitoring alert of a derogatory account being added back to my credit file with Experian.This errouneous account XXXX/XXXX  XXXX XXXX XXXX in the amount of XXXX was removed from my credit file sometime the year prior.This account does not belong to me.XXXX  is also reporting this account as well, ive reached out to both parties to get information on this account last year XX/XX/XXXX.Since then XXXX   and Experian have not supplied any information on this account. Experian is in violation of the re-insertion laws per the FCRA, All Credit bureau 's are required to inform the consumer of any re-insertion.This has hurt my ability to obtain credit as well as the constant back and forth with the Credit bureau 's as well as the collection agency.XXXX  has removed this account with no issue at all.Myself and my attorney have started legal action against XXXX  and Experian and XXXX for violating the FCRA and my rights as a consumer.
Product: Credit card or prepaid card

on or around XXXX XXXX 2017 capital one put a fraud alert freeze on this account, ok they wanted proof of address and proof of id which was sent then they wanted bank statement showing the address we sent all those then they said they needed the full account number for the bank account they were not accepting what was sent to tthem, so we got the bank to write a letter showin the full account number name and address now capital one is saying the bank wont verify the information over the phone, I explained to capital one that banks do n't verify personal accounts over the phone only with the account holder which capital one should already know that, also XXXX XXXX I tried to make a payment for full amount due they did not accept the payment because of the fraud alert issue, that for some reason they put on, then 5 weeks later I get a bill charging interest on the amount they did not accept for payment. anyways they have aggravated us wasted our time with phone calls callin banks sendin paperwork to tthem to prove who we are and still nothing I feel we are owed some kind of compensation for all this and capital one needs to be investigated for their behavior and handling of these so called fraud allegations, I am wilin to pursue this in court in need be. just as the bank told me they 've never heard of a credit card copany demanding a persons full account number for a bank account to verify proof of someone the bank even thought this was little shady and for us to be careful.
Product: Credit reporting

I have written Equifax several times asking for written verification or the name and or source of the information that they are reporting on XXXX accounts that I had with XXXX. Each letter has been requested with a written receipt. They are reporting XXXX account XXXX with XXXX different charges as charge-off.. The other account they were reporting that I owed money when I had in fact paid the account off. As of XX/XX/2016 they are reporting this last account correct. However ; they have failed to have accurately supply me with written documentation verifying the information that they have reported since my 1st original letter on XX/XX/2016 and my follow-up letter dated XX/XX/2016. 
Because their inability to provide me with some form of written documentation with my signature ; I am requesting that all information being reported on behalf of XXXX with the exception of the account that was paid in full be deleted immediately. I 've reached out to XXXX with XXXX letters ; ( return receipts ) as well and they have not replied to any of the letters requesting written verification. If the creditor can not provide me with the documentation then how could Equifax have verified information? This is my final goodwill attempt before exercising my legal rights.
Product: Debt collection

Citibank Bank NA Issued 2021 Tax Year 1099 C Cancellation of Debt Debtor TIN XXXX XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX XXXX this the last 4 of my social security ) Citibank NA has no record from my identity by name address or social security There is no record of this debt on my credit report There is no account in Citibank by account number on the 1099 nor my social security number. 
The police were contacted yet unable to act since there is no suspect or account to act upon, only a 1099. This is likely an error in the credit card company I went to the IRS and the Police. Citibank has made an error or they need to verify the account and provide all historical statements to include money disbursed and collect from whom. What bank was used to disburse money and what type of account is this. 

Claim Number XXXX
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. The following inquiries were also opened under my social security number fraudulently as well. 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 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: Credit reporting or other personal consumer reports

Hello, I having trouble with my credit report. I've disputed numerous items that have appeared in the last 7 years that I've not created or authorized. 
Recently I found out that XXXX accounts that I've been interacting with since XXXX, XXXX and my XXXX Capitol One credit card accounts. I found out from a legal representative that my personal information had been compromised due to a computer data breach. I am creating this complaint with the intent to fix the errors that has ruined my credit.
Product: Debt collection

Hello I have mailed a debt validation request to ERC due to the fact that they have placed a collection on my credit file for a possible fraudulent account. I have no knowledge of this account. I have not received any information via mail regarding this debt and they have placed it on my credit report. I am in the process of gathering more information to file a police report since this account is not mines. Again, this company has placed a collection on my credit file without sending me any type of notice and I became aware of this because I received an alert via XXXX. I need this account removed from my credit file and information sent to me via mail. I have sent a certified letter to the company asking for this information. I have also attempted to call the collection company and they have been very rude and not helpful and keep hanging up the phone on me. I am requesting that the company removes this debt out of my credit file. Thank you
Product: Credit reporting or other personal consumer reports

JPMCB responded to a previous complaint submitted through here, and indicated they would send the credit reporting agencies a letter informing them to remove ALL tradelines associated to my name after a court decision. It has been 60 days and the credit agencies have stated that 1 ) they never received such a letter.

2 ) The confirmed the debt very recently 3 ) They denied a copy of the letter I provided as being real. 

A recorded conversation with a JPMCB employee in legal in XX/XX/year>, they informed me that JPMCB was overruling the court order and letter, and would continue debt collection ( illegally ). 

I demand that this debt profile be removed immediately by JPMCB contacting every and all credit reporting agencies directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent letters to Equifax, XXXX and XXXX to remove unauthorized accounts on my credit report that has been hurting my ability to move forward with my life. No investigation as been started to this day. 

1=Collection Bureau 2=XXXX XXXX XXXX 3=XXXX 3=XXXX XXXX XXXX It been over 30 days and now response form any of the credit bureaus on this matter. I need some kind of investigation done. Due to the Fair Reporting Credit Act if any investigation is not completed in 30 day but the credit bureaus all accounts in question must be deleted from that person report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is committing identity theft by reporting information that has been verified as Not Mine/fraudulent and deleted from my master consumer file by data furnisher XXXX.
Product: Credit card or prepaid card

I have a Barclay 's UBER credit card that I got several years ago. I hadn't used the card for a while, and received a letter dated for the XXXX of XXXX that stated if the card was not used after 30 days, it would be closed. Upon receipt of the letter, I tried to use it on the XXXX, and saw online that the card had already been closed. I received the letter late, and tried to use the card at the 29 day mark, and was told that it had already been closed. I informed them that the 30 day mark had not yet happened, but they said there was nothing they could do, and that I would have to re-apply. So not only will this impact my credit for the closure, but for me to reapply, will also impact my credit and the longevity of the account.
Product: Credit reporting or other personal consumer reports

Inquiry Type : Company : XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXXXXXX XXXX XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXXXXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and XXXX notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change XXXX have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX  supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXXXXXX XXXX  to have requested returns ). This happened on XXXX XXXX, and payments were sent within one hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX glitch that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account XXXX  have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Transunion credit report there is an item about an collection account owned by XXXX. I do not own such an account.
Product: Credit reporting or other personal consumer reports

This is my final attempt to dispute the inaccurate reinsertion of the XXXX account XXXX Account Number : XXXX ) into my credit report. This account was previously deemed unverifiable and removed, yet TransUnion has unlawfully reinstated it without proper validation. Despite multiple dispute requests, TransUnion has failed to conduct a fair and thorough investigation, violating its legal responsibilities under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation within 30 days of a dispute. However, TransUnion has not provided any legitimate protocol or supporting documentation to substantiate how this account was verified, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ). Additionally, I have attached a letter from TransUnion, dated XX/XX/year>, confirming that the XXXX account was previously deleted. If this account was removed due to a lack of verification, why has it now been reinserted? This action was taken without the necessary certification required notification, directly violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) which mandates that reinserted information must be verified as accurate and that the consumer must be notified within five business days. I never received such a notice, further demonstrating TransUnions non-compliance. The Consumer Financial Protection Bureau ( CFPB ) is actively pursuing legal action against TransUnion for similar violations, highlighting a pattern of disregard for federal law among credit reporting agencies. Given TransUnions repeated non-compliance and the harm caused to my creditworthiness, I am seeking CFPBs intervention to address these ongoing violations. Furthermore, due to TransUnions negligence and failure to uphold its legal obligations, I intend to pursue punitive damages for its continued disregard for consumer rights. I demand that TransUnion immediately delete this unlawfully reinserted account and ensure compliance with federal regulations moving forward.
Product: Debt collection

It was reported on my credit report on XX/XX/XXXX I currently owe money to CREDIT MANAGEMENT LP which was in collection from an alleged unpaid balance owed to XXXX cable company that is incorrect. This collection reported, was resolved with the original company XXXX regarding account number XXXX XXXX XXXX XXXX. 
Attached you will find the last billing correspondence that I received from the original debt manager XXXX, which was sent to my new address at XXXX XXXX XXXX XXXX XXXX XXXX, PA dated XX/XX/XXXX. This statement was also previously available to view electronically on my XXXX account as of XX/XX/XXXX. This document shows that I no longer owe the amount alleged. 
On XX/XX/XXXX, I had extensive phone correspondence with both XXXX and Credit Management LP to discuss this matter. I had at no time up to that date, received any correspondence from either company via mail or otherwise informing me of a delinquency on the account. 
I was informed on XX/XX/XXXX that I had owed the {$130.00} on this account. At that time I reviewed the documents I had received ( attached ) and discussed with the individual I was speaking with that this was not the information that I had. 
The individual on the other line, which I was told at that time was being recorded, verbally confirmed that the account reflected {$0.00} owed but informed me that the bill had been altered by them, which is why it reflected this and that this alleged dollar amount was still owed. At that time I informed them that I had a billing statement dated XX/XX/XXXX sent to my current address reflecting {$0.00} owed, and that I had never received any correspondence reflecting otherwise. I received no further correspondence after XX/XX/XXXX from either company regarding a delinquency or collection until a missed phone call on XX/XX/XXXX. 
As of today XX/XX/XXXX, this last billing statement which reflects no balance owed as of XX/XX/XXXX has been removed from XXXX billing statements on line and now states that I have a balance owed ( attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX 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 XXXXXXXX XXXX/2022 XXXX/2022 XXXX XXXXXXXX XXXX2022 XXXX XXXX2022 XXXX XXXX XXXX XXXX/XXXX/2022
Product: Debt collection

I received a letter in the mail on XX/XX/19 stating I had an auto loan debt which was now in their office for collection. It stated I owed {$11000.00} and gave me 3 different options to settle the amount. This is an account that has already been paid therefore I called them to tell them that and they hung up on me as soon as I said I wasnt paying because the account was paid for and they were doing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681a ( XXXX  ) was supported when contacting all persons. None of the reporting agencies deleted the requested information and concluded as accurate. They are violating my consumer rights under 15 U.S.C. 6801 ( a ).