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

Experian, XXXX, & XXXX XXXX XXXX are reporting an allege debt that they state I owe a debt that I do not. Just because a contract is transferred and assigned does not give you a right to collect and you have not received any judgement from a federal court. I did not receive a notice of my right to dispute this debt before it was added to my consumer report.
Product: Credit card

Capital One raised the rate on my card with a penalty APR based on XXXX late payments within 1 year.They however showed the late payment posted on the XXXX 2015 statement as activity that took place during that month. Payment made XXXX XXXX, 2015 with the intention of payment for the following month arrived early and was posted to the prior month. Attempts to discuss this resulted in repeatedly being placed on hold for extremely long periods of time while they supposedly researched the payment activity of the accountand when disconnected they did not attempt to continue the call or investigate the matter. It should be noted that attempting to pay on the Capitol One website on the due date in XXXX 2015 would not have allowed the payment to be posted any sooner than payment via my bank bill pay service, which would have made the payment late in any event. 
I will be closing the account with a full payoff by the end of this week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Short version is there is a hard pull being erroneously reported to XXXX by the bank ( HSBC ). 

XX/XX/XXXX - I downgrade my creditcard with a phone agent named XXXX, she confirms that there will be no hard pull for this downgrade XX/XX/XXXX - hard pull appears on my credit report, HSBC agent tries to convince me that it is a soft check, I provide evidence showing it's indeed hard and not soft XX/XX/XXXX - HSBC agent XXXX admits erroneous hard pull, provides nominal handout XX/XX/XXXX - HSBC agent XXXX requests the inquiry on XX/XX/XXXX be removed, and that I should wait 60 days for this change to reflect with the credit bureaus. 

Hard pull still being erroneously reported, HSBC tells me that " it only affects my score up to 90 days so who cares. ''
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. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX on XXXX stating that the name of the company is Citi Financial XXXX With a XXXX XXXX phone number of XXXX. I returned the call and the asked for me but by my past married name that I havent carried since 2012. I had a feeling it was a scam collector. Upon reverse look up, it is not attached to any legitimate business, the person said they were collecting for a XXXX XXXX which Ive never done business with, and read off my address that I lived at over XXXX yrs ago. Threatened to have the sheriff come arrest me for fraud after I asked for copies of the paperwork I signed to incur the debt as I have no recollection of any business between myself and the named company. Then proceeded to hang up.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  - XXXX XXXX  - XXXX Unknown - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX
Product: Bank account or service

Hello there, I have been banking with Citibank for approximately 10 years, I just noticed that they have been withdrawing XXXX dollars per month from my checking account for almost two years just to keep my money with their institution, that was not the original agreement when I opened the account with them and I was not notified about that change in the contract neither. I 'd like to have all that money back to my account, those monies were collected without my express consent.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$220.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00}
Product: Consumer Loan

TJX TJMAX said that I have an account and I told them that it did not belong to me. They have since destroyed my credit report and I want it removed.
Product: Credit reporting or other personal consumer reports

It is several discrepancies showing on my credit report please rectify the item I have attached to this complaint.
Product: Credit reporting or other personal consumer reports

I pulled my consumer reports around XXXXXXXX XXXX XXXX and I notice it was errors on my XXXX, and XXXX reports. I sent a dispute to the creditor CREDENCE RESOURCE MANAGE XXXX and they receive my letter XXXX. I will attach Exhibit 1 showing when I sent the dispute. Exhibit 2 will show when they received the dispute letter. I waited well over the 30 days allotted by law. This is a direct violation 15 USC 1681i. Subject to subsection ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Exhibit 3 is the letter I sent to CREDENCE RESOURCE MANAGE. Today I'm sending out another dispute letter that I will attach also exhibit 4-5. Informing CREDENCE RESOURCE MANAGE that they went passed the 30 day period allotted by law proves they can not validate or verify this account. I will like for CREDENCE RESOURCE MANAGE to delete this inaccurate information off my consumer report immediately. CREDENCE RESOURCE MANAGE you have defamed my character, my reputation, my worthiness, and my mode of living. I was just denied for a loan because of this inaccurate information
Product: Debt collection

XXXX was taken out of my minor childs bank account on XX/XX/17. I was never served any court documents, given any notice of the debt, given any documentation on the original creditor or any information on any contract. The bank also charged an additional {$60.00} to my childs account as well.
Product: Debt collection

I do NOT have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for this collection from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.
Product: Debt collection

Debit not owed by me : LVNV FUNDING LLC XXXX XXXX Reported Date XX/XX/XXXX {$1700.00} Debit not owed by me : LVNV FUNDING LLC XXXX XXXX Reported Date XX/XX/XXXX {$970.00} Debit not owed by me : XX/XX/XXXXXXXX Missed payment Other Collection Agencies Reported Date XX/XX/XXXX {$860.00} Debit not owed by me : XX/XX/XXXX Missed payment Other Collection Agencies Reported Date XX/XX/XXXX {$1600.00} Debit not owed by me : XXXX Missed payment Other Collection Agencies Reported Date XX/XX/XXXX {$1600.00} Debit not owed by me turn to charges-off account : XX/XX/XXXX| Reported on XX/XX/XXXX Balance {$0.00} Limit {$1200.00} I woke up one morning check my history to see what stop me from prevailing to a higher XXXX XXXX I see I have Collections Of company I had no idea about someone been using my info Need help with these debt it wouldnt look great for me buying my Future home in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made reasonable attempts to contact this agency to correct erroneous information on my report. To date I have not received a response
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX {$500.00} was taken XX/XX/XXXX {$300.00} was taken XX/XX/XXXX {$780.00} was taken XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} taken twice XX/XX/XXXX {$2000.00} was taken. 

All transactions were done over Zelle through my XXXX XXXX account. After calling XXXX the first time I was told they would cancel it, I called on the XXXX after another transaction hit and was told there was nothing I can do about it. I found the person online whose name appears and they also are having the same issue. They are locked out of there bank and are getting text anout there transactions. I had to end up closing my account with XXXX  and submitted a complaint to there corporate office and have not heard back from them. XXXX  was notified as well. This is a scam that Im not sure how banking institutions allow this.
Product: Debt collection

On this date XX/XX/2021 PORTFOLIO RECOVERY ASSOCIATES opened a collection. 
Account # xxxxxxxxxxxxxxxx XXXX {$410.00} that i owe I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that i owe this debt to this alleged company. 
Please have this account removed from all three credit bureus.
Product: Debt collection

The XXXX XXXX XXXX the attorney sue me that I dont what is they been try to call me they file lawsuit. When I go to the courthouse and response to the courthouse they told me that case is already close and dissmed with out presentation to the us. The judge order judgments without party affair to the court I been response to the court myself. But no luck. I think the judges is already bought by the lawyer present the by XXXX XXXX XXXX. The judge dont my situation Im very disappointed of the judge for judgments because I cant afford the lawyer presenting me .and XXXX XXXX at the he is XXXX  XXXX very seriously sick. He couldnt walk or talk. Im been struggling to taken of him. Even been going to the courthouse the judge is already bought of his judgments. On XX/XX/2017. The judge made his judgments with out talk to us. I dont know what is creditors sue us all know I been harassed by this company. They going to sue me or put me the court with discuss to what is, I am really this appointed by the judge for not knowing our situation.. I very stressful my life since my deceased now. No ones to go. I can not afford to hired a lawyer.
Product: Credit reporting or other personal consumer reports

I wrote letters over the year, only response I get is they have nothing with the credit reporting and helping us fixing the credit on my credit reporting and I used the codes to help me get this done they did nothing but email me stating that Nothing will be done. I feel that more could have been done to help fix my credit. I will get a email back in a week later with nothing so I believe no investigation was done. I also used the US codes with these letters.
Product: Credit reporting or other personal consumer reports

Experian is continuously reporting inaccurate information on my report and refuse to report accurately. According to the Fair Credit reporting Act 15 USC 1681 section 602, it states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. Pursuant to 15 U.S. Code 1681e ( b ) consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account is NOT following reasonable procedures to assure maximum possible accuracy. It is reporting inaccurately. Please DELETE immediately all accounts that reference charge-offs. 
Pursuant to 15 U.S. Code 1601, all charged-off accounts must be DELETED. 
XXXXXXXX XXXX  XXXX XXXX These items must be DELETED immediately. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Product: Checking or savings account

North Carolina state employees credit union charged me XXXX dollars if not more in nsf fees due to their outrageous processing times and invisible money that just appears in your account. They give you your paycheck a day early but it goes in after XXXX meaning its not technically there for payments to come out. Signed up for nsf texts online and at bank. Asked that my vehicle loan come out as soon as paycheck went in. Checkings account was closed without any notice. Online access was taken away. They have been no help at all
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered unauthorized inquiries listed, which have negatively impacted my ability to apply for new credit. I request that the following inquiries be removed immediately 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I used PayPal 's services to conduct a domestic transfer of XXXX USD for a sublease deposit. The money was debited from my account on XX/XX/XXXX but according to the sublessor, the same has not reached her yet. The PayPal transaction ID for this transfer is XXXX. 

I filed a case with PayPal on XX/XX/year>, in order to get some answers regarding the status of the transaction. The PayPal case ID for this particular case was- XXXX. However, my case was denied by PayPal on the grounds that it does not qualify as a billing issue. Throughout this time I have been repeatedly asking the intended recipient about the status of the transfer as well, but it still shows " pending '' at her end. 

On XX/XX/year>, I decided to file a case with CFPB in order to get some answers from both the service provider and the intended recipient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law called me in XX/XX/XXXX, letting me know they could help me get my credit repaired and raise my score. I was in need of credit repair since I had been denied a few places of residency because of bad credit, so I signed up over the phone for {$120.00} and then began paying {$89.00} monthly. 
On XX/XX/XXXX, the charged my debit card to pull my credit report for {$14.00} without notifying me first. I was not aware that they charged separately to do this along with my monthly charge. 
I called mid-May XXXX, requesting to cancel my membership since I no longer to keep paying them monthly. In a little over a year, they had only gotten my Student Loans back on track and helped get a medical bill removed that belonged to my daughter and had been paid by her insurance. The gentleman I spoke with over the phone confirmed that my membership had been cancelled and I shouldnt be charged any further. 
There were two charges that showed up on XX/XX/XXXX, on my bank statement from them. On XX/XX/XXXX, I had two charges from Lexington Law on my bank account, one the amount of {$89.00} and one for {$19.00}. Neither of these charges were authorized. 
I called them at the number Ive always spoken to them on, XXXX, and it rang for 2 minutes 4 seconds. There was never an answer and no voicemail even picked up. 
Ive been unsuccessful with getting in contact with them since to find out why I got charged for services that I never received and still havent been able to find out how to receive a refund for these charges.
Product: Money transfer, virtual currency, or money service

I was scammed by cash app out of {$4500.00} on XX/XX/20. I called them initially to report a missing refund that hadn't been credited to my account for {$18.00}. I was told I needed to verify my identity and my account by adding money to my cash app, making a payment to them, assuring me my money was not actually coming out of my account, that that was a part of the verification process. The money did in fact come out of my account. The initial amount the took was {$1700.00}. I was told in order to get that amount back I needed to make another payment of {$49.00}, which I did, in a desperate attempt to get back my money. They then instructed me to purchase XXXX  gift cards, total amount {$1000.00}, so that they could use the XXXX cards to secure my money, {$1700.00}, and they would refund me all the money, for a total of {$2700.00}. I did what they asked, only to be told I needed to purchase XXXX  gift cards for the same reason, in the amount of {$1300.00}, plus {$500.00} more dollars, total of {$1800.00}, because I requested they refund my money back on the cash app itself, and that in doing so, I caused all the money to be stuck in their server. I was promised a total of {$5000.00}, which included a {$500.00} inconvenience fee for me for their so called mistake. I never received a XXXX of my money back. Not only did I not receive the original {$18.00} I called about, but they scammed me out of {$4500.00}. I have filed a complaint with the Federal Trade Commission and filed a police report. Is there any way I can get my money back and these people be prosecuted for fraud/scam. I also have first and last names of so called managers that I spoke with and also multiple telephone numbers.
Product: Debt collection

ON XX/XX/XXXX I SEND A LETTER TO XXXX XXXX XXXX. BXXXXx XXXX XXXX XXXX, SD XXXX XXXX MAIL. 

AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU .. 

I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW. 

I CALLED BACK ANOTHER TIME SAME DAY AT XXXXPM EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ... 

I ASK HIM DID U GET THE LETTER I SEND OUT ONXX/XX/XXXX HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ... 



Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. 
XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX XXXX XXXX. 
To check your account balance, make a payment, or for other general customer service inquiries, please call ( XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told to freeze my credit due to the data breech. I have done so with 2 companies but Experian just refuses to help me in any way. I have tried on their website, and they denied me. I sent a letter in XX/XX/XXXX, along with a check to cover the fee, and have heard nothing. I have called them and get nothing but a menu of pressing numbers that do not help. I have called the XXXX Branch hoping they could find a person to talk to. No. I got an email address. Sent emails, no response. I tried the XXXX branch, no one will call me back. I have done everything in my power to reach these people, and can not. The web site is useless. This whole company is useless. I worked hard all my life to hav good credit and now, thanks to these people my credit could be used to fund someone elses lifestyle. I didnt ask to be a client of theirs, and they are the worst company I have ever tried to deal with.
Product: Debt collection

I received a collection letter from an attorney ( see attached letter ) demanding that I reimburse money for amounts overpaid by XXXX insurance. They claimed that the check was sent to me, not the patient, which is not true. I do NOT accept direct reimbursement from insurance companies and do not participate in insurance plans. The patient 's ledger ( if you need this I will copy and redact the patient 's name for HIPAA compliance ) will show that the patient paid my practice directly and that we did not receive any reimbursement from XXXX. XXXX will not be able to supply the front and back of a check directed to me as I did not request, nor did I receive one. I attempted to call the number but they do not answer the phone. I therefore reached out via email, and advised them that if they did not correct their error I would report this to CFPB.
Product: Vehicle loan or lease

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAP ONE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.