23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed this account and have reached out to the company/creditors MANY times but failed, I've filed this many times but nothing has changed on my report. This account is being reported inaccurately and incorrectly on my credit report.
Product: Debt collection

PROFESSIONAL DEBT MEDIATION and the landlord never informed me of the owed amount. Landlord who sent debt is corrupt and let me be abused by multiple people, so I left to a shelter on the last month of my lease AFTER paying rent. I left the apartment as I had found it, so I shouldn't have had things sent to collections anyway. Landlord was discriminatory based on gender identity as well. PROFESSIONAL DEBT MEDIATION refuses to strop contacting over my debt even though they are not allowed to collect FROM me as I am on XXXX. I was on XXXX when living at the complex they are collecting from, and still am.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX : {$470.00}, XXXX XXXX  XXXX Balance : {$12000.00}
Product: Credit card or prepaid card

On Monday XX/XX/19 I discovered that Capital One had made an unauthorized ACH withdrawal of {$5000.00} from my XXXX XXXX  checking account. 

I had previously used Capital One 's XXXX app to set up automatic payments of {$500.00} per month from my checking account ( which had functioned properly to execute a {$500.00} AutoPay withdrawal on XX/XX/19 ). However, when I checked the AutoPay settings after the {$5000.00} withdrawal, instead of being set for a " Fixed Amount '' payment of {$500.00}, it was set to pay the entire " Last Statement Balance. '' I NEVER SET AUTO PAY TO PAY THE " LAST STATEMENT BALANCE, '' nor would I ever do that because I had a balance of more than {$5000.00} and I generally don't have that much in the checking account the ACH was set up to draw from. 

I immediately called Capital One ( on XX/XX/19 ) to have the payment reversed and was told by a supervisor named " XXXX '' that he could not reverse the unauthorized withdrawal, nor could he do anything else to help me. I asked him to escalate the call to his supervisor and he told me that his supervisor does not take calls from customers. 

Even if I had made an error and somehow accidentally changed the AutoPay setting from " '' fixed amount '' to " last statement balance '' ( which is not what I believe occurred ), when I notified them immediately that I did not authorize a payment in that amount they should have reversed the transaction and, at most, charged a nominal transaction fee for the reversal. 

I have to believe that Capital One 's outright refusal to correct an unauthorized withdrawal from a customer 's checking account is prohibited by federal and/or state law, and refusing to allow customers to speak with anyone higher than a first-level supervisor is not only unconscionable but, from a customer relations standpoint, downright idiotic.
Product: Credit reporting or other personal consumer reports

XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me.
Product: Credit card or prepaid card

XX/XX/2019 On XX/XX/2019 I spoke with a representative from Victoria 's Secret regarding my account. I asked what the full balance on my account was and how much I needed to pay in order to pay it off in full. I was told {$220.00}. I paid {$220.00}. Then in XX/XX/XXXX I was checking all of my credit cards and discovered that a fee had been charged to this same credit card by Victoria 's Secret. I called and spoke with a Supervisor XXXX ID : XXXX and advised that I had already paid my account in full and I explained that in XX/XX/XXXX there was a problem with their website which would not allow my original payment to process therefore I made a duplicate payment over the phone with a representative and paid the account in full. XXXX stated that the payment that would not process online due to their website issue was what I was being charged for and that if I didn't pay by XXXX XXXX he would see to it that it was put on my credit. I asked for a different supervisor and for paper statements to be sent out showing this false charge. XXXX said " Print them yourself! '' and hung up on me. I now find that there is a total of {$54.00} owing on this account and this is the SECOND time that I have been extorted by Victoria 's Secret/Commenity Bank who serves as the extorter. I would like these charges reversed and my account to show a XXXX   balance as it should. I also want any derogatory information placed on my credit removed.
Product: Debt collection

On Wednesday XX/XX/XXXX received a call from Ace Cash Express from telephone number XXXX. My account was not past due at the time and specifically asked the associate to place me on a do not call list. This company contacts me repeatedly before and when payment is due. The associate got aggressive and disregarded my request and wanted to know the exact time I can walk in to pay. I have since then received additional phone calls from Ace Cash Express after my requests to be placed on a do not call list. Additional calls received on XX/XX/XXXX, and XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently establish a membership to XXXX XXXX XXXX XXXX XXXX in XXXX Virginia short name XXXX XXXX because of the name XXXX XXXX Sounds Great they got all The Top Brass and I got Little interested to bank with them. the great thing they have to offer to many product like mortgage auto loan Multiple credit card ETC. I open my account because I thought they might offer me a credit card with higher credit Limit so I can supply the Shortage on my XXXX XXXX XXXX  Fees, Books, Gas Money, and Food. all of these expectation were end up on disappointnment when I found Im not qualify for the first time so my application # XXXX on XXXX XXXX, XXXX was TurnDown and never give up and another try application # XXXX on XXXX XXXX, XXXX was turn down also and try the third time application # XXXX on XXXX XXXX, XXXX was turn down again. 
all of these Denial from XXXX XXXX XXXX XXXX are bases on Equifax Report and all the reason are the same result and all end up to nothing and disappointing I wish you guys can help me to Investigate what is wrong to the Equifax Report and Im Hoping to resolve the Issue with XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX I was informed thru a credit reporting agency that my information was stolen in a data breach in XXXX. When I looked at my credit report there were multiple collections for debt that was not mine. I filed a police report and with the report from the FTC on identity theft and the officers information I sent to the debt collector, and the reporting agency. Also documents showing I wasnt in the state where the charges were being made. Upon the credit agency reporting the investigation was done there were no reports about the results of the investigation or how they still believed that the debt was mine. I have not received any documentation from debt collectors or from the reporting agencies. I keep reporting it as identity theft but nothing gets done. The debt collectors are lying and keep reporting that I am paying on the debt which is absolutely false. Since nothing was being done and I was falsely being accused of these debts I put a freeze on my credit and it has been on there for XXXX years now so I wont get another debt that isnt mine.
Product: Credit reporting or other personal consumer reports

Experian and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX 's inaction violates federal law and my rights as a consumer. 

These are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk $ XXXX XXXX XXXX170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX - XXXX {$860.00} XXXX XXXX  XXXX XXXX XXXX {$210.00} XXXX XXXX  - XXXX {$2000.00} XXXX XXXX  - XXXX XXXX XXXX Systems XXXX XXXX XXXX XXXX XXXX XXXX {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

3 inquiries on my account that I don't have any acknowledgment about. 

XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX- XX/XX/2020 I've called many times to have the removed and nothing is working.
Product: Credit reporting

i have contacted exsperian about a civil case on my credit report that does not belong to me and incorrect addresses that do not belong to me and they will not remove them.they keep importing incorrect information of persons with a similar name and placing them on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper Investigation with the following accounts : 1. Account Name : XXXX XXXX - XXXX Amount : {$2700.00} Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX Bank Amount : {$570.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXXt Original creditor : 11 XXXX XXXX  Account type : Collection Collection Opened : XX/XX/XXXX Reason for dispute : Violation of my rights according to 15 U.S.C 1681 section 602 A, States I have the right to privacy and 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. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this at all. 

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if Transunion, XXXX and XXXX is all showing different account information? Also, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

They also violated the law because according to : 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 I DID NOT GIVE ANYBODY WRITTEN INSTRUCTIONS 15. U.S.C 1681 ( A ) PROCEDURE IN CASE OF DISPTED ACCURACY it states : before the expiration of the 5 business day period the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person, this never happened, I wasnt never informed and I can prove this in court. 

15. U.S.C 1681 section XXXX A TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

Paypal credit is the responsible party. I was double charged my auto drafted payPal credit card payment by paypal credit services of {$160.00} x2 starting in XX/XX/2021 - since then I have requested the second payment be refunded to me 3 SEPARATE times. After each request the operators all telling me to keep an eye out for a check in the mail 7-10 business day later. then i waited an additional month for each with NOTHING. So on the fourth request I called and they once again told me it was on the way. I finally got a refund check and it was a REFUND CHECK OUT OF MY OWN CREDIT ACCOUNT! so now ive been effectively charged 3 additional times for the same {$160.00} and when I tried to deposit one of the checks into my account just to get ahead on some other bills that check ended up bouncing and i got charged another {$20.00} bounced check fee from my bank
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX  N. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified information on my credit reports that were not authorized. I'm a victim of Identity theft and this information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX continues to email and call about a debt they CAN NOT collect. This is causing me so much stress. The Department of Education transferred the loan to XXXX to service therefore they are NOT the original holder in due course and can not collect. 

3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Product: Debt collection

I was on vacation when I had a medical issue. My medical is through the XXXX XXXX. There was no XXXX XXXX close by and it was life threatening so I went to the local hospital where I received treatment. From the beginning I informed them of my XXXX XXXX XXXX XXXX XXXX. XXXX wrote me a letter and stated that they had settled the entire bill with them and that I was not liable to pay any more. Now West Asset is reporting a medical bill from that incident. They never contacted me to validate the debt. I discovered it when I applied for a mortgage loan. I would and do fully dispute this debt as being 100 % covered by XXXX.
Product: Credit reporting or other personal consumer reports

XXXX I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need theses account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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

i contacted Southwest Stage Funding and XXXX XXXX also XXXX along with XXXX XXXX XXXX about the inquiries on my credit tried to get them to remove the inquire from my report they said they would, later i contacted XXXX and XXXX to get them to remove them but was gave a death ear on the matter so now im contacting you all for help thank you
Product: Credit reporting or other personal consumer reports

Equifax is reporting my personal information with out my permission per 18 USC 894. Equifax is reporting synchrony bank and inaccurate information about synchrony account, this is a violation of 15 USC 1681. Equifax is also violating 15 USC 6801.
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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. 15USC 1681 section 602A. States I have the right to privacy 2. 15 USC 1681 section 604A section 2- It stated a consumer reporting agency can not furnish an account without my written instructions.

3. 15 USC 1681C a ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by no more than seven years.

4. 15 USC 1681 S-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 in accurate.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX