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

The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.
Product: Money transfer, virtual currency, or money service

Someone broke into my XXXX XXXX XXXX Square XXXX inc. ) account using caller ID spoofing to pose as square cash security notifications. 

A transaction to XXXX was placed for {$410.00} through my square cash card on XX/XX/XXXX. I disabled my card, reported it stolen, and contacted both XXXX and cash support. XXXX couldn't help me because I didn't have an account number for them to identify the transaction through. 

This first transaction stayed in " pending '' for a week. 

The next morning, hours after I disabled my square account card and reported it stolen in their app, another transaction for {$410.00} went through to XXXX, immediately bypassing the " pending '' stage. Placing my account balance at- {$410.00}. 

Some time around XX/XX/XXXX, the first transaction was returned to me, alongside funds from another smaller transaction I didn't make a dispute for. Square XXXX support took this action without requesting any information from me. 

But now, square is refusing to do anything about the second transaction. Despite me providing all the information they ask for ( including the reports I filled with the FBI and FTC ), they refuse to acknowledge that I have provided any information at all and continue to state that they will close my case if I don't provide " the requested information ''. They refuse to answer the question of " what did I not send? '' But what's truly suspicious is the fact that square cash isn't even acknowledging that the first transaction occurred, and was then returned to me. I would think the refund of half the stolen money would imply the refund of all the stolen money, so I think they are attempting to lie about what has occurred. 

They erased all record of it from my account transaction log. The refund has been erased, too. I have chat logs of customer service agents directly referencing this transaction ( date and time ) that has disappeared from my account record.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA section 605b, credit reporting agencies are required to remove or block any accounts that are identified on an identity theft report. I've added a few files to help prevent inaccurate information from being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$3400.00}
Product: Credit card or prepaid card

I applied for a discover secured credit card and within few days I was approved and the card was sent out ... they took my XXXX dollars I work hard for and I received the credit card today XX/XX/2020 and I try and use the card and it didnt work and now I was told I need to fill out a form and return the IRS form back ... and in order to use the card and this is wrong I dont have a higher income and Im on XXXX  and I would want my secured deposit back if I dont get my card activated and they wasted my money and time and I dont feel like going anywhere in public and run errands ... this is XXXX and Im tired ... .. Im considering taking legal actions against discover for harassment
Product: Credit card or prepaid card

I opened a GreenSky Financial account on XX/XX/XXXX which was activated on XX/XX/XXXX. The account was given a {$19000.00} line of credit to pay for a home repair. 

The vendor XXXX XXXX, XXXX submitted a fraudulent charge of {$6500.00} on XX/XX/XXXX which I initially declined approval for. I then spoke to the XXXX  who said they accidentally made an internal billing mistake and credited {$6500.00} and they were just re-charging it but that my balance would NOT increase by {$6500.00} as this was NOT an additional charge it was correcting a deduction on their side of the GreenSky system. XXXX  lied and deceived me into approving this request for payment which increased my balance. I do not owe this amount and assert it is a fraudulent charge. However, GreenSky has failed to take any action whatsoever to adjust this amount off of my balance. They have also denied me the right to remedy my claim with mediation and/or arbitration pursuant to their Bill of Rights. 

I respectfully request assistance with resolving the fraud to my account and having GreenSky correct the actual amount owed to my account. I filed my initial complaint with GreenSky back on XX/XX/XXXX and they have had sufficient time to resolve this matter and have failed to do so. I have already filed complaints with the XXXX, FTC and DOJ for Consumer Affairs.
Product: Credit card or prepaid card

In XX/XX/2020, I decided to close my Apple Card account after a dispute over charged services that were not rendered. Goldman Sachs decided to side with the company over me and I informed them I wanted to close my account. They stated they would close my account ( I have record of all communications as this is done through text message ) and I thought everything was done as my balance was paid in full. I lost access to my account and believed it to be closed. 

In XX/XX/2020, I'm alerted to a transaction that was flagged by my bank from Goldman Sachs for an amount of {$39.00}. The transaction was blocked and I contacted Goldman Sachs to find out what was going on. They informed me that the account was never closed and could not explain why they decided to make an unauthorized attempt to remove funds from my bank account 2+ months after the account was supposedly closed. They explained that this time the account is closed for good and did not mention an outstanding balance. 

To this day, I have been receiving emails from Goldman Sachs in regards to an outstanding balance and I'm done dealing with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding CeditKarma.com Over a week ago I received an email notice that an account was created and this was sent to my email address. I did not create this account I contacted support immediately via email, as they have no phone number, and did not hear back. I have tried several times and had no response. I have even contacted via XXXX XXXX. 

I got 2 separate emails today stating that reports had been run and could affect my score. I have done everything I can to resolve this but Credit Karma is not even attempting to make an effort. 

My identity and credit are at stake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance {$100.00} Opened Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX date opened XX/XX/XXXX {$180.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$140.00} XXXX XXXX date opened XX/XX/XXXX {$310.00} The XXXX XXXX XXXX date opened XX/XX/XXXX {$670.00} inquiries XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX - I received a payoff quote from Nissan Motor Finance and immediately paid that amount- {$25000.00}. I received a confirmation that the loan was paid off and I should receive the title in about 20 days. 

XX/XX/XXXX - I called to check on the title because I need to register my vehicle. I was told that I still owed {$590.00} on the payoff. After some research it was discovered that someone posted the payoff amount of {$25000.00} to future payments, NOT the payoff. After 2 hours on the phone I was promised this would be corrected and my title sent ; I was told I would receive a return phone call - did not receive a call back. 

XX/XX/XXXX - I called AGAIN to make sure this had been taken care of. On the phone over an hour; was told I still owed {$590.00}. Because I need to get my title, I paid the additional amount. Again, I received a confirmation that the vehicle is paid off and I will be receiving my title soon. 

On the same date I also sent a certified, return receipt letter to Nissan in XXXX requesting assistance with this. As of this date, that letter is still sitting in the post office box waiting for someone to pick it up. 

On approximately XX/XX/XXXX, I called to make sure my title was being sent. I was told that it was 'in process ' and I should receive it shortly. 

XX/XX/XXXX - I AGAIN called Nissan to make sure my title was coming. I was told that no, it isn't coming - that I still owe another {$22.00} before my title would be released. I spoke with a supervisor, 'XXXX  XXXX, who said they are waiving the {$22.00}, it will take about 2 days, and then my title would go into 'process ' and I will get it in about 20 days time. This morning on the Nissan Finance website nothing has changed. 

They have given me different information each time I've called. I have paid off this vehicle on XX/XX/XXXX, and they keep asking for more money despite receiving information on 2 occasions that the vehicle has been completely paid off. They are holding my title hostage while demanding more money, similar to extortion. I need help as I can not register my vehicle in Missouri without my title and yet I can't get ahold of the title despite pleading for assistance from Nissan. 

I want my title, and I would like a refund of the {$590.00} I was forced to pay after getting the correct payoff.
Product: Credit reporting or other personal consumer reports

I am asking for your help in regards to the inaccurate accounts being reported on my account,.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account I was an authorized user. I was removed as an authorized user in XXXX. But Equifax still shows me as an authorized user. Because this card has high utilization it is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX i paid off in full - still showing in collections
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported a 30 day late payment to the XXXX major credit bureaus XXXX Equifax and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my XXXX rewards card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and XXXX should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. XXXX Bank failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX Bank in the small courts claim where I have all proof to show XXXXXXXX XXXX is breaking FCRA laws. I have been with XXXX Bank since XXXX that is 12 years! and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told this shouldnt be on my credit report because I was a minor and their were going to take it off because it was supposed to go with my mother i was XXXX at the time and its been 4 months and it remain on my credit report this is messing with a huge part of my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Late Payments from Credit Report Dear XXXX : I am writing to formally request that you investigate and remove certain late payment entries from my credit report. I have reviewed my credit report and noticed that the following late payments are inaccurately reflected or need to be reconsidered for removal due to mistaken and incorrect reporting. 
The details of the late payments are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Late Payment ( XXXX ) : XX/XX/XXXX Amount : [ XXXX ] I would like to request the removal of these late payment ( XXXX ) as part of your goodwill adjustment or due to the nature of the issue. In accordance with the Fair Credit Reporting Act ( FCRA ), I believe this request is valid and would appreciate a prompt response. 
Please let me know if you need any additional information or documentation to support this request. You can contact me at [ phone number ] or [ email address ]. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XX/XX/XXXX [ XXXX ]
Product: Debt collection

After receiving a debt collection letter from portfolio recovery and associates. I sent a validation letter to the company. As a result the company could not validate this debt as required under federal law. And the account was removed by XXXX. 

Currently this account has been reinsurted under a new name XXXX XXXX XXXX XXXX. Even though account was sold to by XXXX  XXXX XXXX   XXXX  to portfolio recovery and associates and I'm around XXXX of 2019. 
This is a violation of the fair debt collection practices act section 809b Noticed ; account name is listed as XXXX XXXX XXXX XXXX  but address name and number is portfolio recovery and associates. XXXX XXXX XXXX XXXX Virginia XXXX. 
This information is misleading, fraudulent and violation of federal law. 

This account was reinserted without notice of reinstatement 5 business prior as required by federal law. A violation of FCRA rules 1681.
Product: Debt collection

Good morning how are you i have paid this credit card discover bank and XXXX XXXX is harrashing me since XXXX  kindly remove this credit card from my credit report. 

Company : Discover Financial Services Consumer : XXXX, XXXX This e-mail is to notify you that you currently have a new message with XXXX in regards to complaint # XXXX. 

This firm is harrashing me since then XXXXXXXX XXXX XXXX, DO NOT XXXX ME AND MY FAMILY FOR MONEY SO YOUR STATES AND RESIDENT IN THESE BOTH STATES CAN GET MONEY FROM GOVERNMENT FOR PROJECTS AND HOUSING AND SBA LOANS, I DONT HAVE ANY MONEY TO GIVE STREET BEGGARSIN MA AND NY STATES YOU GUYS HAVE XXXX XXXX XXXXS YOU GUYS HAVE WORKED ON ME AND MY BROTHER STOP YOUR WORK IMMEDIATELY. BOTH OF THESE STATES COMMISSIONERS AND POLICE OFFICERS HAVE WORKED ON ME AND MY FAMILY AND PUT OUR LIFES IN DANGER FOR COMING OUT FROM POVERTY I HAVE KNOWN ALL THIS INFORMATION BY CHECKING YOU GUYS FROM XXXX XXXX THAT I HAVE FROM XXXX XXXX XXXX AND XXXXXXXX XXXX 

PLEASE DO NOT XXXX  ANY RICH MAN FOR MAKING MONEY OR BECOMING RICH IN USA AGAIN. 

FINALLY DO NOT USE XXXX XXXX FROM XXXX AND XXXX XXXX FROM XXXX AND XXXX FROM XXXX AND XXXX XXXX FROM XXXX XXXX DO NOT HARRASH ME FOR GIVING YOU GUYS ANY MONEY. 

ALSO PLEASE DO NOT USE AI AND XXXX ON ME, MY MOTHER XXXX XXXX XXXX, MY BROTHER XXXX XXXX, SISTERS AND THERE FAMILIES XXXX XXXX AND XXXX, XXXX XXXX AND XXXX XXXX DO PUT ANY ULTRA XXXX LIGHTS ON US FROM XXXX XXXX MA AND XXXX NY XXXX ALSO DO NOT USE ANY SATELITE TO XXXX US. 

Do not put any assassins ' or XXXX  on me for timber tree assets i had in XXXX and do not try to kill me or my family for this discover credit card. 


Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please view attachment below Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( XXXX ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize the inquires
Product: Debt collection

My information was involved in several data breaches and I have reached out to the reporting agencies to have them removed the information and proposed debts that I deemed as opened fraudulently. XXXX XXXX XXXX XXXX XXXX reported and says opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX reported and says opened XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX reported and says opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I presume that no alleged debt exist Under section 605B 1681c-2 I request that you block reporting of any information due too fair reporting act. I have asked for debt validation letters under 15 usc 1692 G.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had problems on reporting inquires being on someone's report without connecting them.Then they would delete it and reinsert back onto the credit report without a 5 day notice ....
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report activity complaints will be always endless .IT IS HARD TO IMAGINE THAT ANYONE CAN HAVE AN EXCELLENT CREDIT REPORT TO SPEAK ON ITS OWN. THERE 'S HARDLY A CONSUMER PROTECTION Rights when they are being harassed silently or blindly. XXXX never apologizes when they do errors .Same applies to all other Companies. I can  never forgive XXXX on my one week 's internet under repair. This has been charged deliberately on pretext. while IRS OWES ME A LOT OF REFUNDS DUE FOR THE PAST YEARS. I am settling in a new place. Your response will be awaited for further action. I can afford legal expenses only when i get all these dues back to pay them. I hope you will treat this matter not lightly for unknown reasons or volumes of complaints received so far in your CFPB.
Product: Credit card

Someone open a card in my name in another state which i do not live in.
Product: Credit reporting or other personal consumer reports

i reviewed my consumer report and noticed that i had 7 accounts and 12 inquires that is not mine. consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. these accounts are not mine. i demand that these account be removed. 

ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I am writing to file a formal complaint against Westlake Financial regarding their persistent and harassing phone calls, which have caused significant disruption and potential disciplinary trouble at my workplace. I believe these actions are in violation of my rights as a consumer. 

The details of the harassment are as follows : Date and Times of Calls : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls were made to the phone number associated with my car loan, XXXX, and were initiated by Westlake Financial using the phone number XXXX. 

I have previously informed Westlake Financial that I am unable to discuss the matter during working hours due to my employment obligations. On the first call of the day, at XXXX XXXX, I specifically communicated this to their representative. However, despite my repeated requests, the calls continued throughout the day, causing significant disruption and stress. 

I would also like to bring to your attention that these calls are not limited to instances when I have fallen behind on my payments. Even when I am only a day late on my payment, Westlake Financial 's automated dialing system contacts me, and on some occasions, the automated message instructs me to wait for an agent. This practice feels excessive and does not align with the rights afforded to consumers. 

The relentless and repetitive nature of these calls has not only interfered with my work but has also affected my emotional well-being and caused unnecessary anxiety. I believe Westlake Financial 's actions constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations. 

Thank you for your attention to this matter. I would appreciate any assistance you can provide in resolving this issue and putting an end to the harassing phone calls from Westlake Financial. 

Sincerely, XXXX XXXX