23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Capitol Accounts, LLC in XXXX apparently bought an account from XXXX XXXX that I had already paid off. XXXX XXXX bought another XXXX XXXX where I'd had an account. That account was paid off. 

Capitol Accounts reached out to me regularly for payment. I told them I did not owe the bill. In XXXX I filed a dispute. They said they would request documents from XXXX XXXX. I never heard back from them. I reached out to XXXX XXXX. Their office manager told me they had no record of my account and they no longer had documents from the original practice. 

Capitol Accounts still refused to remove this account from my credit report. I began following up again in XX/XX/XXXX. They have repeatedly said they are reaching out to the XXXX XXXX for a report. I called the XXXX XXXX, they say they have received no such request. The collection agency and the XXXX  office are literally 2 miles away from each other here in XXXX. At this time this account is still on my credit report and though I have repeatedly asked for documentation showing I owed this XXXX  Office money they have continued to put me off and not provide the request information and NOT take this account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Date Opened : XX/XX/2020 In accordance with the Fair Credit Reporting Act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

After XXXX  XXXX XXXX XXXX in XXXX had informed me that fake doctor XXXX XXXX fake XXXX had open accounts up there belong to me. On XX/XX/year> at XXXX I then received an email XXXX provided case XXXX but are currently assisted with an investigation by new XXXX XXXX XXXX XXXX in New York and are telling me don't trust them and could be connected to XXXX XXXX as their IT Department has discovered and tracked all my funds are laundry to XXXX  to XXXX XXXX and are in need of the CFPB help to locate and get an answer.
Product: Debt collection

CFPB, I stopped using the XXXX XXXX platform in XXXX  because of fraudulent issues reported to CFPB in Complaint # XXXX and Complaint # XXXX. XXXX XXXX never resolved Complaint # XXXX and Complaint # XXXX so I lost money and discontinued my use of the XXXX XXXX platform in XXXX  . 

On XX/XX/XXXX, I received bill collections notice from Cedars Business Services , LLC ( collections agency ) stating I owed XXXX XXXX {$230.00}. I didnt owe XXXX  XXXX any money when I stopped using their platform and I have never received a bill from XXXX XXXX stating I owed money. I reached out to Cedars Business Services , LLC to let them know I do not owe XXXX XXXX money and that I have never received a bill between XXXX  and XX/XX/XXXX stating I owed money. XXXX XXXX is using its access to US customer information to fraudulently request payment for money that is not owed. Any assistance would be appreciated. 

XXXX XXXX User ID : XXXX Cedars Business Services , LLC Reference Number : XXXX Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Monday - Friday, XXXX XXXX - XXXX XXXX  PST Saturday, XXXX XXXX  - XXXX XXXX  PST https : //cedarsbiz.com/ Thank you, XXXX XXXX
Product: Student loan

From XXXX 2010 to date, I 've been dealing with trying to dismiss a fraudulent Student Loan amount from XXXX XXXX XXXX XXXX, who sold it now to XXXX XXXX XXXX for servicing. My XXXX University {$25000.00} loan, for the purpose in completing my XXXX in XXXX, Now with XXXX XXXX, has grown to an unbelievable {$110000.00} with penalties and interests added. My Student Loan Number is under my SSAN number - XXXX. 

Navient has been bugging me to pay this amount ; but, to no avail they are falsely reporting me owning this amount of money to all of my credit bureaus after I repeatedly asked them to stop. I 've asked for a forbearance and deferment because I 've been asking them to retalk with XXXX XXXX to report the correct amount on my original loan amount. Additionally, Navient should not report my school loan on my credit report if I 'm disputing the amount. The loan practices of both XXXX XXXX and Navient are Fraudulent and with malice -- frankly, it is criminal what they have done to me in damaging my credit history falsely claiming that owe {$110000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me and i want to be remoe from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Product: Credit card

I've been getting a late charge fee for making payments late. My payment is due on the XXXX of each month and I've been making my payment in the beginning of the month. For the month of XXXX, XXXX and now XXXX, I got charged a late fee when I made payments on time. XXXX payment was made on XXXX for {$60.00} and I got charged a late fee of {$30.00}. XXXX payment was made on XXXX for {$60.00} and I got charged a late fee of {$41.00}. I was chatting with customer service to waive the fee for XXXX which they waived. I asked why they charged me when I made a payment on time so they waived the fee. Come XXXX I made the payment on time and I got charged a ate fee of {$41.00}. Come XXXX, now I owe {$130.00} ( {$30.00} late fee for XXXX, {$41.00} late fee for XXXX, plus the minimum payment of {$61.00} which equates to {$130.00} due for XXXX ). When I was chatting to waive the first fee of {$30.00}, I asked if i will be having the same issue for next month and he said no. Then it happened again. I should have never been charged a late fee when I made the payment in the beginning of the month. Customer service told me I got charged a late fee because of when the statement was issued. I bever had an issue with any other cards but this. They said since I made a payment early this is what caused the problem. I don't agree with them because they are making me pay these late fees when I paid my monthly payment on time. If I knew I had to pay my monthly payment on a certain day of the month, then I would never post payment early as i wouldn't want to get charged these late fees.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX {$28000.00} I looked at my Experian and XXXX report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding tha TransUnion will investigate this account for me to ensure accuracy Here is the account l am asking you to verify as accurate : Possible account num : XXXX XXXX Account Num : XXXX
Product: Mortgage

Your " choices '' in the other category did not apply to me. I filed a complaint with the Comptroller of the Currency who referred me to file a complaint here. 

I am a XXXX XXXX XXXX and have been certified in the state of Florida for 30 years this XXXX. Approximately 15 years ago, Citibank , N.A . audited an appraisal and removed me from their list of appraisers. Essentially, I was blacklisted. This impacts my avenue of work as many mortgage firms sell their mortgages to Citi and their subsidiaries. 

I asked Citibank through the years about how I might be able to repair this problem ~ asking if I could take additional course work and the like. They have never responded to my requests. It is my understanding based on conversations with peers that I am not alone in this dilemma. 

At some point, shouldn't this " list '' be expunged or something? Am I to be held hostage for the rest of my working career by this company? I have no problems with any other lenders, and in 30 years of appraising, isn't that saying something? 

I really hope you can help, or direct me to someone who can. 

Respectfully, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

My mother also banks at the same bank and one of the workers there oversteps her position and contacts my mother for issues with my account when my mother is not on my account. She does not now nor has she ever had permission to do this or make any changes to my account. She changes my account adds and subtracts fees and the two of them cost me money. I am tired of this she has broken the law time after time. I demand something is done
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a followup complaint to complaint # XXXX This item still remains on my credit reports and has incorrect information such as charge off and still open. The company seems to change the status monthly to keep it going instead of deleting the derogatory information as they agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account # XXXX, and account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my consumer report and found many accounts that were fraudulently being reported. I sent a letter to XXXX, XXXX and Equifax disputing these erroneous accounts in XXXX of 2022. The accounts have not been removed and I have not received a response. 

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

have spent hours at this point on several phone conversations and text messages with your support team to absoutely no resolve. On XX/XX/XXXX, through XXXX Chime accepted a payment of {$50.00} as an instant transfer to my temporary card that was used prior to me activating my new physical card. This card was supposedly linked to my account and deactivated after I activated my new one. The card has disappeared off my account, but still the payment was accepted by chime. I have been told on several occasions that it would take 1-3 business days for it them to have the money released, however still waiting. # 1 If a card is truly deactivated it will not accept funds. # 2 Why has it taken my personal time and several conversations to try and have this issue resolved? In addition Ive spent almost an hour today on the phone speaking with awful supervisors who state they can not receive emailed screenshots or view my prior conversations via mobile chat to support my claim issues. I can only imagine the number of customers who have been unknowingly scammed out of their own money trying to resolve the same issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX On XX/XX/23 XXXX XXXX XXXX Placed an unauthorized credit inquiry on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

Sometime during covid my credit report was completely wiped out good bad all of it I have a credit score of XXXX still today have a credit score of XXXX which is affecting me terribly I don't know why my entire credit report was deleted I have no credit XXXX is my score or who did it or why they did it
Product: Payday loan, title loan, or personal loan

I'm currently resident in Virginia and XXXX-XXXX XXXX student. 
Before now, I was based overseas as an XXXX XXXX with visits to the USA only. 
I recently received a credit score from XXXX  and XXXX which specified that a MACY/DSNB account : Partial Acc # XXXX was opened on XX/XX/2013 and first reported on XX/XX/2013 with a credit limit of {$100.00} and High Balance of {$98.00}, is against my name and SSN. 
I emphatically state that I NEVER opened any account with MACY as I was NOT resident in the USA at the time / nor present in the country and I WAS NEVER aware of this account existence and was NEVER initiated by phone /email /any other form of communication contact by MACY. 

Please NOTE that this as far as I am concerned is an IDENTITY THEFT and infringement of my right as an individual. 

I NEVER entered into ANY contract with MACY and this is NOW on my credit report. I am only made aware of this on returning to the country, on getting my credit score for purchases and trying to settle in for my XXXX studies. 

I need this to be expunged by MACY from my Credit record urgently.
Product: Debt collection

Collection Agency : GENESIS CREDIT MANAGEMENT LLC- {$330.00} Open balance-My credit card was charged an unauthorized fee. I disputed the unauthorized charge with my bank and a collection company bought the erroneous debt that should have never been authorized for {$250.00}. Additionally, the collection company created false dates pertaining to date opened and also reported an address that I have never lived at. I disputed unauthorized charges in XXXX. However, this fraudulent collection agency reported to the credit bureaus an open date of XX/XX/XXXX. I have never had any communication with Genesis Credit Management. This company also went by the name of Columbia Debt Recovery and if you dispute with one company they will falsely report negative and inaccurate information using their affiliated company Genesis Credit Management LLC. This company is reporting illegitimate and non factual information to the credit bureaus. I have disputed this multiple times and it has yet to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the fact that I had made a formal ftc complaint and a complaint with the FDIC and here at the CPFB Experian refuses to correct the issue that I was never late on the greendot account showing on my credit and that the info is false. Payments where refused because of the type of account that was given and two accounts where open mistakenly with unauthorized=zed charges on that account. Since then the account was closed in good standing and I have a recording from a XXXX rep admitting there liability
Product: Debt collection

Had a collection notice from midwest recovery services appear on my credit report for a payday loan front cashnetusa for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I noticed these collections reporting on my credit report. I do not have any connections with these companies nor did I ever do business with these companies. Please remove. Thanks
Product: Debt collection

they are sending letters and report to credit bureau bills what was paid already by my insurance company and jus lie to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies XXXX, equifax, XXXX XXXX  and XXXX have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. Income can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. 

Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX