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

Hello this is into claim already under investigation, i apologize but this is case number XXXX and i have postage from us postal i paid for express mail and it arrived to Experian and XXXX some where around XX/XX/XXXX for both as i will show. I would like to address the lateness of this information and the Law that states under federal law they have 30 days to complete your re-investigation. Be advised i also sent same thing im showing you that the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 day of the completion of your re-investigation. When you see the copy of my tracking information you will see XX/XX/XXXX, would have been 30 days and today is XX/XX/XXXX, and i you the CFPB just said as of today the have 15-60 to get this done. So please add this to the letter i thought also they would be doing the job correctly but it seems they are dragging me along like this whole year. The pics i sent are my tracking information to Experian, XXXX and the one letter is the same thing to the three collections i was requesting to be verified, just to make clear so you will understand what they have and what i was asking for.
Product: Money transfer, virtual currency, or money service

Several times I had cancel Zelle transaction that I did not authorize. Last one was for {$2200.00} which I made report, the call the bank to stop transactions was told filed claims and still never heard from them also bank was saying that theyve reach out to Zelle too. That just most recent one out many!
Product: Checking or savings account

On XX/XX/XXXX child support froze my checking saving brokerage account do to non payment, unemployment wasnt sending out my payments.. I spoke with child support agency and paid what was owed, child support send out letter On XX/XX/2023 to bank and I, stating to terminate restraining notice and execution as you can see.. i recieved the letter Monday XXXX XXXX .. be calling calling and dont get know where.. I do need my funds to pay my bills please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXX : {$1600.00}, XXXX XXXX Balance : {$1300.00}, XXXX Balance : {$0.00}XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Checking or savings account

After I filled my last complaint on Credit karma Bank they closed my account completely!! This so called bank is getting by with over charging people, False Responses, Refuse to be able to speak with a supervisor, hangs up on you, They are a complete Scam and Crockets
Product: Credit card or prepaid card

I make my credit card payment early every month, and half of the time they reject the payment and the other half they don't - using the same exact bank information. I pay tons of other bills the same way and none of them get rejected. The account has money in it and all information is accurate. 

I've called to ask them why they're rejecting my payment and they say they don't know and that it's my bank account 's issue. I've called the bank account ( XXXX ) and they said it is the credit card I believe they're " rejecting '' my payment so that I wind up late on my payment and therefore subject to late interest and other penalties, even though I pay early every month. They don't tell me the payment has been rejected until 2-3 weeks later after it's already late. 

The credit card company that I am writing to complain about is Synchrony Financial. They are also impossible to get on the phone and provide as little information as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights under Hippa were violated by XXXX XXXX XXXX XXXX XXXX. I have disputed such information many times with Experian Credit Bureau. Under XXXX XXXX XXXX do not have the right to access my medical bills, medical information about me without my consent. Experian has allowed XXXX XXXX to report protected health information to my credit report without proper investigation and blatant disregard for my rights under HIPPA. This is a violation of HIPPA Public Law 104-191. I have contacted both companies several times with no results. I have never granted or given permission to XXXX XXXX to view my private health information.
Product: Debt collection

This account was paid in full and they do not recognize it in my credit report.
Product: Credit reporting or other personal consumer reports

I can not see my updated credit report, only shows credit report as of XX/XX/XXXX. Believe my profile is split, and data needs to be removed in order for actual real time scores to be seen. I believe that my social security number has been removed from account and needs to be added back, as I can not get any information inside the equifax app or website when I log in. 

Reference case number XXXX that was given XX/XX/XXXX by call representative that stated there was a issue with my profile and information and that it needed to be worked on further. No answer on this information. 

My current information to be added so my profile can be seen and credit scores be obtained by equifax is : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Phone : XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : -
Product: Checking or savings account

XXXX ) I asked to close my accounts with HNB in XXXX or XX/XX/XXXX. 

XXXX ) I received physical mail correspondence dated on XX/XX/XXXX that both accounts were closed. 

XXXX ) I continued to receive notices that the balances of the account were at or below XXXX. Also account were listed as open in their web portal XXXX ) I chatted with HNB  on XXXX requesting resolution of the matter and they said it would happen XXXX ) I chatted with HNB again in XXXX XXXX once and on XX/XX/XXXX and the matter is still not resolved. I XXXX have followed up once in XXXX or another time in XXXX, but am not sure, their abysmal service to me has run together. 

XXXX ) It feels as if they want to make closure as painful as possible truly an awful customer experience
Product: Credit reporting, credit repair services, or other personal consumer reports

This items below are inaccurate, because I never made a late payment with the below creditors. I requested that Experian, and all of the below creditors to verify the accounts as per FCRA 15 U.S. Code 1681i, or remove the unverified account history. As of the date of this submission Experian and the below creditors, has not provided physical verification of the alleged late payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the negatively impacting late payment history be removed or provide " physical verification '' of actual late payments.
1. XXXX XXXX XXXX-XXXX 2. XXXX XXXX XXXX-XXXX 3. XXXX XXXX XXXX-XXXX 4. XXXX XXXX XXXX-XXXX 5. XXXX XXXX XXXX-XXXX 6. XXXX XXXX XXXX-XXXX 7. XXXX XXXX XXXX-XXXX 8. XXXX XXXX XXXX-XXXX 9. XXXX XXXX XXXX-XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Product: Credit card

I called Barclays about two weeks ago to report a fraudulent credit card account under my name that I kept receiving a bill to my home of {$89.00}. They have not closed this account, and now my credit is being affected. When I spoke to them they transferred me over to the fraud department because they could not find my account with my phone number or the last four of my social. I would like to know what is going on.
Product: Bank account or service

my bank account was closed, and left me with debt, after a few attempts to steal my identity and was harassed constantly by a company called XXXX, and also a XXXX. 
my credit card and bank card were both stolen from me. I filed a frud claim, but was never responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX, TransUnion is reporting credit score/credit history from 6+ months ago. When I log on to TransUnion account, I am unable to get a copy of full credit and in order to see my credit score on TransUnion, it prompts me to pay.
Product: Student loan

My complaint is with American Education Services ( AES ) I have had multiple issues with this company for many years including when going through hardship. With the exception of 3 months during Covid, they did not offer assistance in getting making payment assistance and harassed myself and XXXX XXXX XXXX grandmother with multiple calls a day. My most recent complaint involves a payment. I called AES at around XXXX XXXX  XXXX on XX/XX/2022 at the number : XXXX to make a debit card payment in the amount of {$190.00}. The payment was accepted, but I did not receive a confirmation number. On XX/XX/XXXX, I noticed that my payment had not posted to my online account. However, my bank statement showed the payment processed and debited from my bank account on XX/XX/2022. I sent an email through online portal and called to find out why. From that point I made phone calls to AES on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to resolve the matter. I was told that my payment was pending, that my payment was sent to FED Loans ( without my consent ) by accident but they were working on applying it to my AES, that they could not apply it to my AES and it would be refunded. On XX/XX/XXXX, the representative told me it should be refunded to me within 2-3 weeks. My last call on XX/XX/XXXX, I was told that they ( AES ) couldn't do anything further and that I need to call FED LOANS to have a refund processed. I called FED LOANS who attempted a refund two times and was told within 2 weeks to my payment source ( debit card ). I noticed that on XX/XX/XXXX, the loan was credited to FED LOANS on my credit report. I do not believe any attempt has been made to resolve my problem nearly 2 months later. I'm nervous about continuing payments out of fear that my funds will continue to be mishandled. However, I know that not making an attempt will hurt credit rating and put me at risk for default. I feel like this is a means to keep capitalizing on the interest on my payments. I'm attaching a screen shot of the payment debited from my checking account and call log. Thank you for your time and consideration in this matter.
Product: Credit card or prepaid card

I have reached out to Cash App repeatedly regarding my mobile deposit of {$1100.00} on XX/XX/XXXX. It's been 12 days and they still have not released my deposit. They keep saying it's in review or that they have a system glitch. I desperately need my funds in order to move and if thefund are not released my family and, I will be facing homeless. They said it would take 4 business. Can you help with this matter? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the late payments appearing on my credit report. I believe that the late payments are an inaccurate representation of my payment history. 
I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate any dispute of information on my credit report that I submit to you in writing. I am requesting that you remove the late payments, as I am asserting that the late payments are inaccurate according to section 1608 ( a ) of the FCRA. 
I am requesting that you immediately remove the late payments from my credit report. Update payment history to be paid as agreed and never late I need you to investigate the following account Account XXXX Company Name : XXXX  XXXX XXXX and XXXX  XXXX XXXX  XXXX XXXX XXXX I request you provide me with proof of alleged late payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX XXXX XXXX. As well as for XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX if unable to provide or lacking proof of this payment being late. Update payment history to be paid as agreed and never late. Please provide a detailed description and procedure used in your process to determine complete accuracy. Once you have finished your investigation send me an updated credit report. To the address stated above I am writing to dispute the account referenced below. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agencies myself and have been unable to get them to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

The following accounts are to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, I recently sold some of my investments with coinbase.com and received the money through PayPal. Paypal is a service that I used to transfer the money to my bank account. The money XXXX was sent to PayPal and everything was fine but when I tried to use PayPal to send the money to my bank account PayPal would not let me. First I tried XXXX and it was denied then i tried XXXX and it was also denied. Then I received a text message asking if I was the one who authorized this withdraw and clicked yes but still they would not let me process any money and they even put my account in a limitation status ( meaning I cant use it for anything but receiving money ). I then called them And they asked me to submit private information online like bank statements, my social security number, proof of transactions and proof of address. I submitted everything and was told a decision will be made in 72 hours. After 24 hours a decision was made to close my account for the safety of PayPal and that my funds will be released in 180 days. I understand that they closed my account but holding my money for 180 days when I have done nothing fraudulent or wrong is a abuse of financial power. I have children, bills, rent please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX who is the parent company of Lexis Nexis has comprised my personal information by selling my identity and personal data to third parties for their financial gain. I have received my entire credit profile from Lexis Nexis who works for XXXX and there is information being shared and misused on MULTIPLE levels. I did not authorize my info to be used in this manner. 

I want to file a suit of identity theft and securitizing my data without my permission in Violation of the Patriot Act And Privacy Act of 1974. Also, against all those third-party companies for violations of the Privacy Act of 1974 and Patriot Act and misusing my information for their gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were enter on my credit report without my knowledge. I did not authorize my credit to be pulled by the following companies. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please remove these items from my credit report.
Product: Credit reporting or other personal consumer reports

This collections is showing on my credit report with experian, XXXX, and XXXX. I have disputed the information as i had attempted to pay the late rental fee with XXXX XXXX XXXX XXXX XXXX that took place during covid 19 due to my loss of employment. XXXX XXXX XXXX XXXX XXXX  denied my late payment and went on with evicting me. As i went through the process and was left homeless. I have disputed and get notified that dispute report submitted by consumer meets requirements of the fair credit act, however XXXX XXXX XXXX conginues to report deliquency on all three credit bureaus. I am XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ask that the credit reporting avencies stop reporting derrogatory info on my credit profiles as it is damaging to my credit. I need contract documents, eviction notice, refusal on late payment docs mailed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, why they are reporting the debt on my credit but not on my public profile? This is reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has failed to update the status of the collection since XX/XX/XXXX however has updated balance due info XXXX XXXX  The
Product: Credit card or prepaid card

I got sick in XXXX, since then I've had XXXX XXXX  XXXX XXXX, XXXX XXXX   and countless XXXX XXXX and XXXX XXXX which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from capitol one, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my XXXX or XXXX. I called capitol one and explained this to them after my XXXX XXXX, they told me to send in my proof of XXXX I did, I sent them a 53 page medical report documenting my XXXX  test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one  of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XX/XX/XXXX.