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

XXXX XXXX XXXX reported to XXXX, Equifax, and XXXX that the account # XXXX was charged off as of XX/XX/XXXX. In the three credit reports the above account shows : XXXX : A balance of XXXX, past due of XXXX, and 18 months of CO 's interpreted as 18 late payments. 

Equifax : A balance of XXXX, past due of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

XXXX : A balance of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

I reached out to XXXX XXXX XXXX in XX/XX/XXXX and requested that the inaccuracies in the account be corrected. It has been over 90 days and I have received no response. After receiving no response from XXXX XXXX XXXX, I began to dispute the information with XXXX, Equifax, and XXXX through certified mail, and the three credit bureaus response was that the account would remain the same because it had been verified. I have disputed over four times and although I have attached and highlighted their blatant inaccuracies of multiple charge offs, past due amounts, and balances reported for the account ; all three bureaus continue to report the account as accurate.
Product: Credit reporting or other personal consumer reports

This is the second time that Capital One checks my credit report without my authorized consent. The first incident occurred in XX/XX/year> and the second incident on XX/XX/year>. Due to these incidents, Ive needed to report inquires as fraud and file an identity theft report. It is unprofessional and unethical to allow this to occur a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 compliant accounts should be removed : Creditor : XXXX/XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX/XXXX  XXXX  XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX- Account : XXXX**** Creditor : XXXX   XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX  XXXX- Account : XXXX**** Creditor : XXXX  XXXX- Account : XXXX**** Creditor : XXXX   XXXX XXXX- Account : XXXX**** Creditor : XXXX  XXXX   XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX XXXX XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX**** Creditor : XXXX XXXX- Account : XXXX********** Creditor : XXXX XXXX - Account : XXXX**** Creditor : XXXX XXXX XXXX- Account : XXXX******** Creditor : XXXX/XXXX XXXX- Account : XXXX***** This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this loan back in XXXX as the signer of the loan with my husband. We recently settled the loan because we received a better interest rate with a credit union. So, the company XXXX XXXX agreed to settle the contract for less than what was left on the loan which was XXXX. The check was mailed and they received it. That rendered our contract void. I was recently a victim of identity theft so I have been watching my credit reports every day. I had all of the credit bureaus to remove XXXX XXXX from my credit reports between XXXX and XX/XX/XXXX because they were no longer financing the loan. A new company was. At that time, there were only 2 late payments reported prior to the removal of XXXX XXXX from my credit report. After it was removed, my credit score was XXXX. I received an alert in XXXX stated that my credit score had dropped 40 something points. As I checked my credit report, it shows now that XXXX XXXX XXXX was added as a closed account on my reports with over 10+ late payments. I contacted my credit repair service back in XXXX because I called XXXX XXXX in XXXX about why they were not reporting my positive payments to the credit bureaus. The woman I spoke with stated that they dont report to the credit bureaus just in case a client is late making a payment. So I proceeded to ask to go over my on time payments from XX/XX/XXXX to XXXX as I am speaking to her. She stated that my payments were considered late even if if they are 1 day late. I told her that my contract I signed in XXXX says that we have a 10 day grace period from the due date. She told me she would have to check my contract and put me on hold. She hung up in my face. I contacted my credit repair company to ask them to clarify how many days late does a payment have to be before it can be reported to the credit bureaus... They informed me that it has to be 30 days late. So, I called XXXX XXXX XXXX again and asked for the payment history because the amounts on the statements were also incorrect. I made 3 payments of XXXX between XXXX and XXXX. They only reported 2 payments and one payment was for the amount of XXXX which is also incorrect. I was told by the first man i spoke to that they were not required to report to the credit bureaus during covid but when I settled my loan they had to report everything at that time. They granted me an extension on my loan in XX/XX/XXXX because I made two payments to catch up on my arrearage. My credit report from XX/XX/XXXX shows I was still behind on loan with them. It has been a nightmare and every time I try to dispute it, the credit bureaus verify it as accurate information which is a complete lie. This has caused me pain, suffering, and tireless amount of hours and time trying to fix what they did to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report and doing some research I noticed that was reporting on my credit report but is in violation of my rights as a consumer in several different ways for one the IRS say After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. 
I never received a 1099c. The IRS also stated the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.. If that debt is taxable income to me and charged off from your company why is it still showing on my credit report with a balance of XXXX. This is inaccurate information reporting on my credit report. ACCOUNT # XXXX In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the consumer to whom it relates. 
Violation number # 3 FCRA 15 US Code 1681a ( 2 ) B ) Violation number # 4 FCRA 15 US CODE 1681e ( b ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Debt collection

To make a very long story short, debt collector XXXX XXXX XXXX for XXXX XXXX XXXX is not in the business off collecting debt but stealing funds as they please. They attached my bank accounts and wages 3 years ago. When I called to find out for what account, how much I owed, and why I have n't received correspondence I was rudely spoken to and hung up on several times by a XXXX. I ended up having to go to them in person to have my questions answered and address updated. It was then that I told them they can call me, my phone # has been the same but addresses change. The statement they ended up sending me did not make any sense. The original debt was {$800.00}. Now somehow it 's over {$2500.00}, so I disagreed with what was owed. Also due to the attachment and wage garnish, they were receiving payments from me. They failed to send me records of this. I never received or heard from them for 3 years, no calls and no mail. Time passed by and I forgot about the whole ordeal until another attachment to my bank account was made this time taking close to {$2000.00}. I called this morning to find out how this can be happening again. They said it 's my fault I should of called them when I moved. I called the court to see where they have been sending my mail and it 's to the same address prior to me changing it with them. No one lives at that address, I told them that before. They 've never filed with the credit bureau so I would n't of known that way either. The original debt is over 13 years old, I really do n't know how this still exists. I tried calling to set something up for repayment but again rudely spoken to by the same XXXX. This time I was prepared and did n't allow it to hurt me. I am a XXXX mom with a XXXX XXXX  old baby. This debt collector has not tried at all to contact me effectively. They withdrew every dollar I had in my account, my spouse 's as well because we have joint accounts. My rent is due in a few days, it 's now gone. I 'm out on XXXX XXXX so not working. I 'm only XXXX XXXX XXXX because I believe the Lord is my provider and will get my family through this. I am not disputing I owe a debt but the amounts appear illegitimate and the debt collectors handling is inhumane and unsympathetic.
Product: Bank account or service

I applied for a TD Go account on XXXX/XXXX/2016 for my grandson who is going to co to college. I have called several times giving my order confirmation # and authorization no. to many of your customer service representatives who at any given time have absolutely no answer as to why this account, or car has not been issued. Each time I call I get a different person of course and they no nothing and I am being told there is no one you can speak to regarding what is happening. I am extremely angry with TD bank as I have been a customer for XXXX years and can not understand this form of business dealing. -- I am at this point going to close all my dealing with this bank and believe me I will tell everyone not to deal with TD bank ever again VERY POOR CUSTOMER SERVICE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting this complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Here is the account of which does not belong to me or was opened without my permission. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$980.00}
Product: Credit card or prepaid card

XXXX XXXX serviced our furnace. That night the furnace exploded spewing soot and the fire depart was called. At that point we had other option other than buying a new furnace for {$3100.00} from XXXX, XXXX on XX/XX/XXXX. The owner worked on the furnace for several days, but could not get the heater run. If that point he asked for an additional {$600.00} which I didnt want to pay and after that no longer answered our calls and left us with no heat in the middle of winter. I called Capital One to dispute a charge, and they made a temporary credit my account. I had to call another company and they were able to get our heat running. At that point since we use the new furnace, I called Capital One to explain that we were able to resolve our problems and please remove the dispute and close our case so the vendor could be paid. That was on XX/XX/XXXX. 

The vendor says he has never gotten the released funds and Ive been calling capital one every day since the XXXX and they will not help me. Theyve sent me a letter saying the case is closed but I had a hard time talk to a supervisor. Ive asked them to do an audit on the transaction and see where the money went and they will not do it. Ive asked to speak to a supervisor and I was told they are administrative only will not get on the call. Ive asked for the corporate number at capital one and they will not give it to me. The money was released from my account on the XXXX, but it never was received by the vendors bank. Ive had a gentleman claiming to be an attorney contact me for the past two days to demand I pay them. I explained I cant pay him again because its a fun show up that he would get double the pay and I cant afford that. Today he told me that there is a lien on my house I have until XXXX XXXX  tomorrow to give them money XXXX in interest and legal fees. Ive also been told theres a warrant in debt and the police are going to come arrest me and will be unable to sell her house in two weeks because they placed a lead and started the process for forclosure. Im skeptical that this is actually an attorney because the number goes to collection agency but they are strong arming me and threatening me as is the vendor I have called Capital One at least 15 times and told him Im customer I need support and I need to help me find where the money is and I cant get anywhere. No one will help me. They told me its out of their hands its been released and theres nothing they can do to help me. Please help me resolve this issue and get the vendor paid XXXX to be released. Thank you very much XXXX and XXXX.
Product: Mortgage

Wells fargo home mortgage is claiming I had a mortgage I never had. It was removed off my credit in XXXX from XXXX off my credit. In XXXX it appeared back on my credit from WFH ( wells fargo home mortgage ). Then was removed. in XXXX It appeared on my credit again XXXX. I called the office of the president of wells fargo. They removed it off XXXX in XXXX XXXX. Today I pulled my credit XXXX/XXXX/XXXX and they added it back on XXXX on XXXX XXXX, XXXX. This is illegal. I want this off my XXXX credit. I filed a police report ( XXXX ) on XXXX XXXX, XXXX and an Identity Theft Victims Complaint and affidavit. I spoke today to the office of the president of wells fargo and they admitted it was removed in XXXX. I want them to remove it off XXXX never to put back on again as this was not mine. The original loan on this house was in XXXX. My file has merged with another. help
Product: Bank account or service

My fianc just opened up an checking account after he received money from a law suit. he wrote me a XXXX XXXX XXXX personal check to add to the money that we are saving to purchase a home. Unfortunately, he did n't sign it. It is a new account with starter checks and there was no place for him to sign ; ( he 's new to this and I do not rite checks ; only use debit cards ) so I signed the back and endorsed it in my account ( thinking nothing of it ). My account was terminated. I followed the directives given by chase representatives to try to resolve the matter ; I even brought my fianc with his checks, ID, and account info into my branch confirming that his checking account existed, and had the funds available at the time of request and still they chose to end the relationship as I was informed today. I could provide you with all necessary info regarding tis matter ; but I need time to get all supporting documents from my fianc. I was very eager to contact someone for help and get the process started to officially resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting company has violated my rights under the FRCA rule for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into three times that last was on XX/XX/2019 and supporting documentation was also sent with the same results, XXXX and XXXX has already removed XXXX XXXX from my credit with my supporting documents.
Product: Debt collection

The categories you provided were not entirely accurate or descriptive. This complaint is against XXXX XXXX, which provides billing services for health clubs. Look online at ratings and you will learn all you need to ... a litany of 1 star reviews. In my case, the expiration date on my credit card changed. I received a text message from XXXX informing me that the charge for my gym membership declined. No problem. I called within 5 minutes to update the information when they informed me they were charging me a {$20.00} fee for the declined credit card transaction. There is no cost to the company for a declined credit card transaction and I have never, ever seen a company that charged for that purpose. I ca n't recall any other company where I even need to update the expiration date but, if I do, there has never been a fee for anything related to that. Given I signed up for my gym membership a long time ago and have no communication from them or XXXX at any time related to my payments, to billing, etc. there really is no practical way for me to be aware of any issues. In addition, I would n't have known XXXX   was the place to contact as my gym name appears on my credit card statement each month.
Product: Prepaid card

What I asked cash app hi Please answer my first question. why cant I even log into $ XXXX account XXXX XXXX? I never had an issue b4 when I was logging in successfully XXXX. 

XXXX  XXXX XXXX XXXX XXXX Cash app said we cant help you log in but we can attempt to transfer account balance. 


I wrote to cash app XXXX XXXX {$92.00} dollars has a card ending in XXXX that was never activated on the account for some reason. He also can't log in $ XXXX to get his money zip XXXX. His email associated with account was XXXX was his account email Can you transfer his account to new cash app account name XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX his sponsor $ XXXX XXXX XXXX XXXX From your account : - Full Legal Name XXXX XXXX - Your current $ XXXX - XXXX From your sponsored account : - Current $ XXXX - Previous $ XXXX Then cash said the Same speech After you try to link accounts you will write me : After review, we're unable to grant access to these funds for security reasons. To protect your sponsored current account, we can't override this decision. 
Your sponsored account may continue using their current Cash App account to send and receive payments. 


I then askl what is an alternative or a way to match up more info or add more stuff to verify my identity? I prefer you to activate XXXX XXXXXXXX card that is already on file but was never activated. We have the physical card still unable to use it. Please just activate the card Cash app said.. we cant provide any further info at this time and cant activate the card XXXX for XXXX XXXX Ive talked to many reps hours and hours. XXXX  XXXX holds the funds and they are working with XXXX XXXX. Please tell me the next steps to take. I just want the kid allowance of {$92.00}. What can I do?
Product: Credit reporting or other personal consumer reports

Hard Inquiry in my credit that I do not recognize for the company Barclays Bank - ( BRCKYSBANKDE ) conducted on XXXX XXXX or XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Hi XXXX XXXX XXXX is here. I'm facing issue with Wise, Formerly TransferWise company. This company is doing fraud with me. This company is keep asking for documents which i already provide them. I'm an affiliate marketer and working with XXXX XXXX My company send me affiliate payment to my wise address via XXXX. Total amount is {$1100.00} which i received from XXXX XXXX Its been many days they are holding my money for no reason. This company is doing big fraud with their customers. Please help me to get my money from this fraud thief company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is sued a letter stating they would not remove the account
Product: Checking or savings account

I have a CashApp debit card linked to my checking account. For unexplained reasons, after being charged an unauthorized fee for a transaction that was not foreign, my account has been locked up and the perpetrator has been holding my account ransom i.e. both my personal checking account and my CashApp money, which included investment money and XXXX and a little savings. My bank thinks it has something to do with CashApp but I can only correspond with a bot, so I'm not getting anywhere and still have no access to my account. What else can do?
Product: Debt collection

XXXX XXXX XXXX is reporting over $ XXXX in debt on all three of my credit reports. I contact the company on XXXX XXXX to get validation of the 6 debts and never received said information. On XXXX XXXX, XXXX I sent another letter certified listing several items that I was looking for to validate the debts.In addition, I contacted both the original XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX to get clarity of the debts and they both said they did n't have any debts in my name and when I asked about my daughter they could n't find said information as well. State Collection Services sent me a itemized list of specific medical procedures and dollar amounts of said procedures that they list was supposed to have been preformed on my daughter when she was a minor. ( HIPPA Violation ) they never sent a signed copy of my alleged signature authorizing said procedures or agreeing to pay for these debts nor have the company provided something proving to me that they have permission to collect on said debt as the original creditors listed above states they never provided State Collection with debts nor my daughters personal information in which they have. I have never authorized a third party permission to look at nor receive personal information on my daughter nor myself.
Product: Debt collection

RFGI is trying to collect money that I do not owe.
Product: Credit reporting

My old accounts from XXXX XXXX Bank were removed from all XXXX Credit Bureaus when I previously checked my credit report in XXXX of 2016. When I checked my report on XXXX XXXX, 2016 the accounts were back on my report and updated inaccurately without any notification.