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

I was a victim of identity theft i filed all the necessary documents to have fraudulent accounts removed from my report and they were removed. 2 days later 1 of these accounts reappeared on my report incorrectly as 15 USC 1681 c-2 clearly states, ( a ) Block a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of.. so its not enough for the reporting agency to only delete this information but congress states they should also provide a block of the reporting of these fraudulent accounts. EXPERIAN said that because the company reinserted the account they can not help me with disputing it further despite the company not providing any documentation to support that the account is mine outside of them just re reporting the account.The FCRA has outlined very clearly this is not sufficient validation especially in cases of identity theft or else the consumer would have no protection against identity theft. Please help me remedy this situation and demand EXPERIAN to block and delete this account. XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.
Product: Debt collection

This letter is regarding an account : SOUTHWEST RECOVERY SERVICE XXXX XXXX XXXX XXXX, TX XXXX AMOUNT : {$910.00} ORGINAL CREDITOR : XXXX XXXX DATE OPEN : UNKNOWN I requested a validation letter, but the letter didnt provide information of purchase agreement showing full ownership of this account. This company have been reporting fraudulent inaccurate information to all XXXX credit bureaus. This is a violation according to the FDCPA and the FCRA ; along with the corresponding local state laws. In addition, provide my written permission document giving consent to furnish this consumer report and authorizing a XXXX time use of my social security and approval for the consumer credit transactions.
Product: Checking or savings account

I have been banking with chime for about 4 years and they have a new feature this year called the my pay advance. So this is suppose let you advance your deposit early before you get paid up to XXXX or XXXX XXXX. So I was approved for XXXX. I never received the funds early. It was when my direct deposit came through then it took XXXX out of my deposit and put it in an advance account where I can withdraw it out for a XXXX XXXX fee. I didnt complain about it because I thought it would be helping my credit in some way. And I was able to withdraw it right back out. After several months of this it increased to XXXX. Same thing. But just last month my deposit came through, it took the XXXX as usual but was never available to withdraw back out. I was out of XXXX that was my money to begin with. It was never a real advancement. I called chime and explained this and they told me no this is there money I said no its mine. I was never given an advance. So I told them if I did not get my money back I would get a lawyer. After getting the XXXX not only was it taken but it decreased the advance amount to XXXX saying my deposit was lesser and didnt qualify for the whole XXXX. I was told I had to wait until my next deposit for the system to correct after I said lawyer. So I waited and yes, the XXXX was taken out but then it was available to withdraw the XXXX. So I did. I called chime and said I want to close this feature because it serves no real advancement service and they said I cant close it with owning an outstanding balance of XXXX XXXX. I said huh this is my money to begin with. So they told me that once paid they can close the feature and XXXX get my money back. I said ok. Next withdraw was XXXX they took from deposit and said it was a fee added for the XXXX and nothing available to withdraw I called and said wheres my money and they said its our money and since its paid back you can now close your feature. I said I want my money and close my account. He told me I can close my account with out and return of funds. That is what they did yesterday. They closed my account and I was not refunded anything back. Chime has never given me a advancement, it was always when I had already gotten paid that they took it from my check and called it an advancement. I am unable to pay my bills and want my money back.
Product: Debt collection

Case went to court were a default judgement was placed. Amounts were deducted from my paycheck and misapplied by the lawyer office which is resulting in it showing an outstanding balance. I have attempted multiple times for the lawyers office to fix and showed proof of payment and misapplication and no changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-i have never had it, in 2017 i was and still with XXXX XXXX XXXX. Don t understand how and why I'm being charged for this bill.-my x and his family h as used my ss # in th e pastt, been cleaning up this mess for years.please help m e take it off myh credit. Ty
Product: Credit card

On or around XXXX XXXX 2015, I called Capital One to close my Secured MasterCard account. The representative confirmed that this account would be closed and provided information with regard to receiving my security deposit. Instead of this, the representative closed my unsecured Visa account of which I was not aware.
Product: Checking or savings account

Funds from Direct Deposit Deposited since XX/XX/scrub>/25 and still no access to access to Direct Desposit. Bank did not allow enough time for me to move funds ahead of the outage and is now delaying all payments and declining all my ACH transactions. 

After XXXXhours, I still do not have access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXXXXX Balance Owed : {$970.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items are as follows : ACCOUNTS XXXX/XXXX XXXX not mine COLLECTIONS XXXX {$920.00} not mine XXXX XXXX XXXX {$1800.00} not mine
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX a payment was posted to Resurgent Capital Service. i received a recipe stated that the payment was posted and the bal was XXXX so when i called to pay it off i was told that it was not the correct balance and the balance on the letter was a computer error this was told to me by someone saying he was a supervisor. but after talking to another supervisor for Resurgent Capital she said that the {$740.00} is what she see that was owe on the account and she couldnt get into see the account that i need to talk to the server of the account. so i explained that i was going to contact a lawyer because ii didnt want to mess up my credit for them trying to collect what not on the recipe.wahts on the letter is what i should pay since it came from Resurgent capital.its bad enough that they post that i was late in XX/XX/XXXXon a payment and reported it to the credit reporting when i ask why all they said was it didnt reach them in time and it was the timing not the date so that put me 30 day past due and its nothing they can do to remove it after i ask can the do a goodwill removal i was told no. when i pay this account i will never have anything else to do with this company i am going to file a law suit if not resolved. account # XXXX. R ESURGENT # XXXX.
Product: Credit card or prepaid card

Cash app will frequently cancel payments your sending and claim to either refund them immediately or at a later day however they do not ever refund them I've talked to my bank I've gone through my statements I have not received the money back nor were the payments ever sent. Cash app tells me that they have been refunded and to talk to my bank and my bank tells me that there is absolutely no refund ever from cash app. None show up as credits or refunds in my XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681b - Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize XXXX XXXX XXXX XXXX XXXX nor any Credit Reporting Agency to report any late payments to my report.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

My request is to delete the late payments from my consumer report, being that XXXX, XXXX, XXXX, and Transunion is in violation of 15USC 1681. 

XXXX acct # XXXX
Product: Debt collection

I Recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The Name and address of the original Creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to so so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, Please inform them of my dispute regarding the Validity of this debt. 

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

On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over a month and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 30 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Product: Checking or savings account

Citizens Bank closed my account because I deposited a check and it took longer to clear. They assumed it was fraudulent activity. They started trying to close it. The check cleared. I came in the branch for verification and withdraw money. I left a balance of {$30.00} because they said if I took all they were going to close it. They turned around and did it anyway. They said they mailed a check out never received. They said they were going to investigate and send me a new check to my new address. The last check they claim they mailed was sent to my sister address. Which I still have access. I just want my money and to be done with this bank. Inconvenience. When I call now they give me the run around. You can't keep my money. They had no reason closing my account in the first place. The check cleared. I wouldn't have known it was close until I tried to send my money into the account and it wasn't going through. They froze the account and debit card. Then closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I excercised my rights under the Fair Credit Reporting Act Section 611 ( a ) ( 6 ) and ( 7 ) and requested of Experian there method of verification as it pertains to a XXXX XXXX XXXX account that was been reported on my credit report. They got my request on XX/XX/XXXX and the Fair Credit Reporting Act states that the credit bureau should provide me with such information within 15 days of getting that request. Up to today XX/XX/XXXX Experian has not sent me the method of verification used to determine the accuracy of a XXXX XXXX XXXXXXXX account that has been reported on my credit report. This is a clear FCRA violation. During the past year I have filed numerous complaints about this but they have ignored my complaints. The XXXX XXXX XXXXXXXX account continues to be reported incorrectly on my credit report. The Fair Credit reporting Act clearly states that if the credit bureau fails to provide there method of verification within 15 days of the request been made then the account should be deleted from the person 's credit report. 
Kindly delete XXXX XXXX XXXXXXXX from my account immediately. I have enclosed a copy of the letter I sent to experian requesting the method of verification. I have also enclosed a copy of the receipt from the postal service showing that Experian got my request for the method of verification on XX/XX/XXXX.
Product: Student loan

In XX/XX/XXXX XXXX XXXX applied for a student loan with XXXX XXXX to attend XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. She started school, continued her education at the XXXX location, and then began her 800 hour XXXX XXXX in XXXX, XXXX, at XXXX XXXX XXXX XXXX. Where she performed her XXXX with no pay while at the sametime paying her monthly payment of {$25.00} per month to XXXX XXXX. In XX/XX/XXXX, she consolidated her loan with Wells Fargo, the amount of the loan is for {$20000.00} for a 15 year loan. She began her Wells Fargo payments XX/XX/XXXX. She completed her education and XXXX XX/XX/XXXX.  XXXX XXXX XXXX XXXX notified XXXX XXXX of their closing XX/XX/XXXX.  XXXX was not notified. XXXX XXXX disbursed her loan to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX location shortly after her application was approved. The loan was disbursed to a school that she DID NOT ATTEND. Upon recent research we have been notified by both XXXX XXXX and XXXX Department of Education that the XXXX school was not a Title XXXX XXXX. The Wells Fargo loan was consolidated in XX/XX/XXXX without any knowledge of the school closing. XXXX never received any certificate or transcript from her 18 month education at the XXXX location. Without proper documentation to her attendance and graduation and required hours of XXXX XXXX is unable to sit for her registry to obtain XXXX XXXX XXXX XXXX. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX proceeded with a loan that was fraudulent. XXXX XXXX did not do their due diligence in confirming where funds were disbursed and to the schools authenticity. There are no records of any of the graduates from the school preventing all students who paid the tuition unable to peruse their career.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've disputed the same inaccurate information several times even sent documention showing that I contacted the court and the court said they don't verify any of the information that they said was verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX : XXXX... 
XXXX XXXX XXXX 
XXXX XXXX : XXXX... 
XXXX XXXX : XXXX... 
XXXX CARD : XXXX... 
XXXX XXXX BANK : XXXX... 
XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Debt collection

During the month of XXXX, I sent a notification to Portfolio Recovery Associates about removing 2 old time-barred debts from my credit report, and gave them the standard 30 day to comply, with a mailing address out of state. ( that would be forwarded to me ) They immediately attempted to sue me for one account in hopes of collecting at the mailing address, out of state and beyond the statute of limitations allowable under Nevada State law # XXXX and under the FDCPA 7.2.12.3.1, and have failed to respond within the allowable 30 days on the other.

They knowingly knew this is beyond the XXXX, and have fraudulently opened 2 accounts in my name for purposes of collection, after both accounts were already closed. The time-barred debts according to XXXX # XXXX is 4 years max for credit cards, which both accounts they hold are beyond the 4 year maximum.
Product: Mortgage

In XXXX Citi said that I was behind in my payments. I was current. Citi refused to accept my money. I was presured to enter into a HAMP, in order to keep my home. I gave Citi XXXX dollars and agreeded to pay {$1800.00}. per month until the XXXX dollars was paid to Citi. I paid XXXX dollars and lost my parttime job and could no longer pay the blood money. Witch was in unapplied for 5 years. When I inquired about the money, they used it for bogus charges and absorbed all of the funds. Last year in XXXX I tried to fix this henderious mistake, with XXXX XXXX XXXX. I am in a home owner modification that went from 2 % to 3 % and my mortage actually dropped to XXXX dollars, Just recently in it peaked to XXXX dollars with an added amount of {$87.00} dollars for an appraisal of property that did not have all of the paper work. Why am I paying for an appraisal before being accepted in the program? Citi is very fraudlent.
Product: Credit card

XXXX paid capitol one account XXXX at capitol one cafe in XXXX XXXX closed my account and friends thanks capitol one
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$940.00} XXXX  XXXX {$570.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX {$8300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}
Product: Debt collection

LVNV Funding LLC has posted on my credit file that I owe them {$1000.00} as a collection/charge off for over 3 years or so now. Ive sent them certified letters requesting debt validation and asked for the original contract ect and I have yet to receive anything from them. Ive reached out to the credit reporting agencies to have this removed but they continue to report the debt as valid. Im not sure why the credit agencies are just allowing these to remain on my credit reports even after Ive provided them with certified letters requesting debt debt validation as well.
Product: Vehicle loan or lease

Credit Acceptance provides users with incorrect account information on their web portal leading to additional fees and credit history damage. When pointed out they would not remove the marks on credit history.