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

The credit bureaus stated my account was properly investigation but how is that possible if there are several inaccuracies including last active dates, last reported dates, high balances and payment histories. This is grounds for removal. They also violated my rights under these laws : 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 an account without my written instructions.

Attached below is a copy of my drivers license and social security card as well as a copy of my tri-report credit report identifying incorrect discrepancies via highlighted sections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had pay off all the 3 accounts that show on my credit report. I pay each one the exact amount that it was due and have not use the account any longer. They showing on my report. I pay them off in XXXX and spoke to them about balances showing on when actually I do not have any balances. The accounts are XXXX XXXX  Victori Secrets and XXXX. If you need exact dates as when exact dates, please let me know.
Product: Debt collection

I received a mail notification from credit collection services on XX/XX/XXXX to collect a debt from XXXX XXXX XXXX XXXX ( a company I have never used ). The fraudulent insurance policy ran from XXXX at XXXX. 
Policy was for 3 vehicles ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) registered at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. 
Collection agency was notified about fraudulent claims and police report will be filed. Person of interest possibly linked to this fraudulent claim is XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 XXXX  days should be plenty of time for your company to send me the information that I'm requesting regarding the previous investigation you did on the following accounts listed below. Your Method of Verification is highly requested. To my understanding you sent back an insufficient reinvestigation and everything is still not meeting FCRA Requirements. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXX XXXX XXXX XXXX Please remove this account or I will file litigation. 
4. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
You claim to have verified these accounts pretty fast which you probably didnt completely do. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what evidence are you basing your verification off? Please send that to me also. I want to make sure you are following the laws that are in place that protect us normal people. 
please send me my full credit report along with the following items : your investigation results contact information for each creditor The persons name they verified the dispute with The documentation used to verify the dispute and any relevant information from the previous investigation. 
Sincerely yours, XXXX XXXX
Product: Debt collection

I am very disappointed in Experian for this is the 2nd time something that is NOT MINE AND NEVER HAS BEEN MINE on my darn credit report! I am sick and tired of this and it's not fair that this bunk debt in which i never did keeps showing up! Stop putting stuff on my credit that ins't mine! XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at GS Bank USA on 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.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me, All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

When I reviewed my XXXX XXXX  on XX/XX/24, I discovered a XXXX XXXX entry attributed to XXXX, amounting to XXXX, which was forwarded to Jefferson Capital Systems. Upon contacting both XXXX and Jefferson Capital Systems, they verified that no account exists under my name. I promptly initiated a dispute with XXXX and the XXXX  on XXXX and XXXX and XXXX on XXXX in the hopes of swiftly resolving this issue. The unauthorized entry has significantly impacted my XXXX XXXX, plummeting by XXXX points within a mere XXXX weeks. Regrettably, this marks the XXXX occasion I've encountered such XXXX  activity with XXXX.
Product: Debt collection

Someone applied for me and my mom 's name for a apartment we didn't even have any knowledge that our information was used to get a apartment and we were charged {$480.00} on XX/XX/2020 then they charged us {$550.00} on XXXX XXXX without even knowing why we were charged from the company in the first place. And each month we contacted the company about it and all they did was charge us more money each time even when we explained the problem to them.
Product: Debt collection

On XX/XX/XXXX I sent a letter of Debt Validation pursuant to 15 USC 1692g to XXXX XXXX XXXX XXXX XXXX for the alleged debt they are attempting to collect from me as an alleged debt collector for DISCOVER BANK. I already submitted a complaint against DISCOVER BANK for attempting to collect an alleged debt I do not owe as to get a secure card you have to give the money upfront to receive " credit '' back. Also, I am the original creditor, so how can I owe this alleged debt. I paid this alleged debt regardless and now there are XXXX companies trying to collect a debt NOT OWED! They are also furnishing false and deceptive information to my consumer reports which is a violation of my rights! I sent this debt validation letter XX/XX/XXXX in which XXXX XXXX XXXX XXXX XXXX received through certified mail on XX/XX/XXXX. This company has not responded to my request and is still attempting to collect on the alleged debt. They are claiming I owe {$250.00}
Product: Credit card or prepaid card

I applied for the XXXX XXXX XXXX XXXX  via the advertised website XXXX offering 62k bonus miles and it directed me to the Bank of America website to apply. Bank of America allows for current customers ( me ) to sign in to the page and apply with my on file details. In doing this it redirects you to another page in their system. 

I was approved for the card and completed the promotional requirements where I was awarded XXXX bonus miles. I contacted Bank of America and advised them of the discrepancy and they advised me that I signed up through there website and was only entitled to XXXX points. I went back and forth with several agents and was finally able to speak to a Supervisor who went on the site as I did and found the discrepancy of it redirecting to the Banks own promotion of XXXX points. She said she would process the additional points as I was expecting. 

I received a letter a few weeks later ( XX/XX/23 ) stating that I did not qualify for the additional points as I did not apply inflight. I called Bank of America and asked them what that meant and the representative said I had to fill out a paper application with the airline to qualify. The representative did not understand that there was a dedicated website to apply and that the inflight crews do not offer paper applications. I was advised the decision was final.
Product: Money transfer, virtual currency, or money service

Venmo has been in possession of my funds since XXXX of 2022. They froze my account and later sent an email in XXXX of 2022 that the funds could be withdrawn after receiving my ID. However, that was also inaccurate. Due the minimum amount of funds I did not prioritize pursuing the matter. However, when I did reach back out to Venmo they then asked for my ID again in addition to information that I would imagine to be an unacceptable request and possibly a violation of state and federal law. 

( A picture ( not a photocopy ) of your unexpired government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ). 
Copies of your past three statements for each bank account and card that has been associated with your Venmo Business Profile. 
Copies of any relevant business registration documents. 
A detailed explanation of your business model and a list of all URLs or websites that will be used to sell goods and/or services. 
Itemized invoices complete with customer contact information, including phone number, services provided, and tracking information if applicable for transactions between your business and USERNAME ) The complaint does not involve my business at all. Requesting financial statements for 3 months is inconceivable. 

I have sent my drivers license and a copy of the debit card associated and used on my account for the life of the account. 

Upon filing a complaint with the XXXX XXXX XXXX XXXX I reviewed their file XXXX complaints closed in last XXXX years. Most of which are complaints of stolen and frozen money that Americans Citizens are falling victim to. My issue is minor as it is only {$23.00}, It is nevertheless completely and utterly immoral. I hope that this agency will take action not only on my account but for the thousands of people in the US that experience hardships and irrevocable consequences due to this companies greed and lack of ethics. It is unfortunate and saddening to read some of this issue people have encountered. 

XXXX and XXXX has been an amazing help with companies like this. I would not advise using Venmo. Ive used many similar apps XXXX XXXX, PayPal, XXXX, etc and Ive never experienced anything like this.
Product: Debt collection

An agent contracted me XXXX said that In would be puckered up from my job and taken to jail its i did not pay the amount. In ful ny a certain date.
Product: Debt collection

XX/XX/XXXX, I incurred a debt with XXXX XXXX. Since then, the company has repeatedly transferred the debt back and forth between collection agencies and themselves, and then extending the " reported '' date. Now on my credit reports, the " reported date '' says XX/XX/XXXX -- when the debt was incurred almost 4 years earlier, and should actually drop off my credit report XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have a few accounts that's on my profile that belongs to my father. I sent in all the paperwork to show the incorrect. Still haven't gotten any verification. The following accounts do not belong to me. 

XXXX XXXX XXXX {$5200.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$320.00} opened XX/XX/XXXX XXXX / Dept of Ed {$8700.00} opened XX/XX/XXXX XXXX / Dept of Ed {$2600.00} opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
1. XXXX XXXX, XXXX ( XXXX, XXXX XXXX ) 2. XXXX XXXX XXXX XXXX, XXXX, XXXX ) 3. XXXX XXXX XXXX XXXXXXXX XXXX ) 4. XXXX XXXX ( XXXX, XXXX XXXX ) 5. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 6. XXXX ( XXXXXXXX XXXX XXXX ) 7. XXXXXXXX XXXX XXXX XXXX XXXX ) 8. XXXX ( XXXXXXXX XXXX XXXX ) 9. XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Money transfer, virtual currency, or money service

I was at a bar and my Wells Fargo debit card stopped working. It order to pay my bill I asked one of the person at the bar if he could pay the tab and I would XXXX the money to him. The amount was {$150.00}. After I sent the money the person kept on insisting that the money has not been transferred and since then received it two more times. 

I sent him {$450.00} instead of {$150.00}. And the {$300.00} ( $ XXXX ) by the person was extra and I was tricked into paying it to him. I tried to find the person by reaching out to the bar but they did not know him too. Form the XXXX I can not find the number but I have the screen shot of the persons name. 

The {$450.00} taken out of my account were because of a result of the same payment happening 3 times. Out of which only {$150.00} was taken by me. The rest I still havent recovered. 

Wells Fargo have rejected my claim for the transaction when I clearly explained to them I have been tricked into making the same payment 3 times.
Product: Debt collection

I have paid in full my utility bill XXXX XXXX XXXX of {$96.00}. Sent proof of payment to all credit bureaus. All except XXXX has removed it. 
I Have contacted the collection agency they refused to comply. They said they sent a letter to XXXX to have it removed, but when I dispute I caused the delay. I don't understand. I'm just trying to pay my bill and fix my credit but they insist on dragging me down. They don't want me to fix my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. 

Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I never authorized this inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I never authorized this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I heard about the scandal with Equifax and was sent the email to check to see if I was affected. According to the link, it said there was a good chance that I was affected based on the information that I provided. The date that I checked was today, XXXX XXXX, 2017.
Product: Student loan

I was attending XXXX XXXX XXXX XXXX and was suddenly dropped due to " attendance '' when I've only missed a handful of times while enrolled almost a year. I completed XXXX hours then the school closed due to fraud. I tried submitting paperwork to get loan excused with no success. Several friends who I attended with got excused. I was charged full tuition as if I finished school. I then try to transfer hours so I wouldn't take a loss and other cXXXX XXXX  only accept XXXX hours which is a loss for me. I would be charged tuition again and have to redo hours. Please look into this matter and help me removing this loan .... I'm now desperate because it's been on my credit
Product: Mortgage

Im asking this agency to investigate this triad financial - for fraud and over charging us - I have an impound basis account - to them and I never been late in paying them - Im still retrieving bills from the XXXX XXXX county collectors.

This company even over charged me, when in time of the closings the loans. 

There office in XXXX XXXX will just transferred me - while Im talking - and its always a voice mail. 

I send my concern in this agency before but this triad never called me at all Hope that they will be investigated for fraud activities.
Product: Vehicle loan or lease

I was advised by the Attorney Generals Office to file a complaint due to jurisdiction regulation of the matter. This matter involves an Auto Loan that is being reported by a company named XXXX XXXX. The information suddenly appeared on my credit report last year. I immediately filed a fraud dispute with all three credit reporting agencies. The initial date it reports on my file is as open is XX/XX/XXXX and a last payment made XX/XX/XXXX. This in itself is contradictory. It shows a balance owed of {$6800.00}. They are reporting 8 late payments for a period of 90 days. To no avail the information yet remains on my credit file. I am unaware of any loan being initiated with this company. I ask that this matter please be investigated for accuracy.
Product: Credit card or prepaid card

*This is the second of two similar complaints that reference two completely different accounts. Both are CapitalOne QuickSilver cards. I have 2 CapitalOne Quicksilver Credit cards with an purchase APR of 22.99 % and a Cash Advance APR of 22.99 %. The Cash Advance includes direct fee at time of disbursal. The APR on a Cash Advance is also accrued daily versus the purchase APR which is done monthly. After paying the minimum amount due on the card, any monies in excess of that minimum should then be applied to the highest APR on the account. Again, in my case both are numerically the same. But the balance on the Cash Advance is charged direct fees to use plus the interest is accrued daily. If I made {$100.00} in purchases the same day I took out a cash advance of {$100.00}, by the end of the billing cycle if all was the same, the Cash Advance would have higher balance. The representatives at CapitalOne stated that only the actual numeric value of the APR matters, not anything else. This has allowed the bank to charge me much more money then if they had applied my payments correctly. Perhaps this is a direct tactic to get around the federal law in some sense. CapitalOne also bill the two balances on different dates as far as interest accrual.
Product: Checking or savings account

For years ( mid XXXX 's thru XXXX ) I have banked with XXXX XXXX in MI. It was not the best bank. The services were poor locations closed every year, they had very bad consumer tactics in trying to grow new business and finally they were shut down in XXXX by the FDIC. I know you may wondering why I stuck with this back thru their demise, but I am XXXX and have no transportation. Anyhow, after a year of sticking around thru the closing and transition to a new banking institution ( from XXXX XXXX to First Citizens Bank ) I find myself experiencing terrible service, no walk in banking location, and not enough ATM choices to access my money. Last night on XX/XX/XXXX I spent 45 minutes each on the phone numbers provided to me, trying to reach a csr using XXXX and XXXX. No one ever answered the line. I finally called a banking center at this number XXXX and reached a Csr. After explaining my frustrations the Csr helped me gain access to online banking and reset my pin for my ATM /DEBIT card after 30 minutes or more I was able to view my balance, but there were no records of banking statements available. As I move to the next day XX/XX/XXXX, I went to an ATM and I still have no access to my funds in my account. The ATM machine says my pin is till incorrect. I called a csr at XXXX AGAIN. I went on to explained what was going on again the csr reset my pin and ask me to use the closet ATM that was near me. As I used the ATM with the CSR on the phone with me the ATM CAPTURED my ATM card. I am FURIOUS. This is absolutely OUTRAGEOUS. The Csr then suggested that I call back the number on the back of the card that I no longer have, because the ATM TOOK THE CARD. At this time I asked for his manager immediately. I have not been able to access my account, get my money, shop, pay a bill since XX/XX/XXXX. The manager has stated that she will expedite a new ATM card to me. But after all this awful service my plan is to withdraw my money and close my account as soon as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ID theft problem and I can't even keep up with everything that is going on. It's on my credit report that I disputed my XXXX Credit card and I didn't. Basically, it was a fraudulent complaint. This ID theft person or group of people do stuff like this to confuse the issue. There are so many other things. It's just too much to deal with.