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

There is an inaccurate account on my credit profile, reporting as XXXX XXXX XXXX XXXX. I have contacted the company and disputed this inaccurate account on several occasions and the account still remains on my credit profile. The company indicates The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

The credit reporting bureau needs to provide me with documentation proving the accuracy of the account. This account does not belong to me and needs to be removed. I have not been provided with any documentation such as that which holds my signature indicating that this account is accurate and the company is in violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverified accounts resolved. The CFPB has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed, despite the evidence I provided, proving ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Northstar Location Services , LLC, a part of The Northstar Companies, has telephoned my home looking for someone named XXXX XXXX # XXXX. I am not that person, I do not know that person, and that person has never used my telephone number since I have owned it for 25 years. In order for the unwanted telephone calls to end, I am required to telephone the company. I should n't have to do that as an innocent, uninvolved person.
Product: Credit reporting

It 's funny how two years in a row, when I try to retrieve my free annual report via the annualcreditreport.com site, the most consistent bad actors are XXXX and Experian. I have run into issues that ultimately prevent me from retrieving my free report. This year, I tried and received a blank page from Experian and a " Technical Difficulties '' page from XXXX. However, XXXX was able to show me my information just fine. This seems like a catch all, because when I attempt to get my report from Experian or XXXX via paid means, everything works just fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is currently reporting inaccurate information on my credit report..TransUnion is currently reporting an inaccurate Social Security Number on my Credit file. This Changing or false information occurred only after i made a complaint to XXXX about my TransUnion credit file was not being reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe XXXX XXXX cant access my TransUnion Credit file is because the inaccurate Social Security Number being. I have enclosed a copy of my Social Security number and Valid Texas Drivers License. TransUnion for the second time deleted my XXXX XXXX XXXX XXXX Account # XXXX without my authorization.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I was contacted by XXXX XXXX ( XXXX XXXX ) a XXXX based entrepreneur to invest in bitcoin mining. After exchanging with him for over 2 months I started investing first XXXX euros by XX/XX/XXXX. For a total period of 8 months, XXXX XXXX along with his accomplices and XXXX have successfully extorted over XXXX euros from me. I was given countless excuses, false and very believable references, made-up social profiles, false numbers. I was given deadlines to pay fees in order to be able to retrieve my earnings and made to pay daily fees ranging from {$200.00} to {$1000.00} until I successfully executed the payment. Payments were mandatorily sent to the scammers in the form of bitcoin which means I had to withdraw the cash from the consistently, use a bitcoin atm in XXXX that allowed significant sums to be sent. I had to live by every single day borrowing money from my family, friends, finding lenders to be able to pay for the daily fees, and penalties the scammers were giving me. I was unable to travel back home for XXXX having to find a way to come up with XXXX euros during XXXX and XXXX XXXX ( as they also charged me fees on those holidays ). I spent 8 months waking up knowing each day would cost me {$500.00}, {$200.00}, {$1000.00}. I was unable to follow through on my work and had to take a step back for these 8 months, focused on getting my earnings back. I withdrew significant amounts of cash from the XXXX XXXX in gent and never once was I asked why I was doing so or why was I continuously withdrawing such amounts. I have been unable to pay my taxes, sustain myself, and had to start my business all over again since this XX/XX/XXXX when I finally came to the realization that this was indeed a scam. The damages were not just financial and now criminal as I cant even pay what I owe to the Belgian government in terms of taxes, they were emotional and physical ; enduring 8 months of constant stress that could have been prevented had the financial entities responsible to audit and control the circulations on money asked me why I was taking and needing so much cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 One Main Unlawfully Obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transaction with One Main nor do I have an account for review or collection. On XX/XX/21 I mailed One Main a Notarized Letter explaining that the inquiry was unauthorized as well as a demand for a {$1000.00} settlement.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

In XX/XX/year>, I attempted to pay CitiBank {$700.00} toward my credit card. I made this payment from my checking account with XXXX XXXX XXXX XXXX. CitiBank claims that the payment was returned to my checking account due to insufficient funds, but this is incorrect : the money left my account. Attached is a letter from XXXX XXXX verifying that the money cleared my account and was not returned. I am also attaching a bank statement showing that the money left my account. The money left my account, but it did not get posted to my credit card. Therefore, I am missing {$700.00} through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these account belong to me and how they verified i was late on these accounts under Fair Credit Reporting Act.
Product: Debt collection

They call at least 5 times a day and at all hours of the day. 
Today alone, XX/XX/26, I have already received 4 calls by XXXX
Product: Checking or savings account

I was making a payment to my credit card, and I went over by {$2.00} apparently. M & T Bank then decided to charge me a {$40.00} fee for that, then another {$40.00} fee because I did not pay it within five days. 

This is criminal behavior, I should not be threatened to pay {$80.00} because I went over by {$2.00}, even though I 'm pretty sure I did n't. They are threatening to give me black marks on my record and close the account unless I pay their ransom. 

M & T Bank is full of the worst kinds of scum and I can not wait for the day I close  my account with them for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed company ( Portfolio Recovery Associates LLC ) completed a soft pull of my credit report without permissible purpose. Such action was a direct violation of my consumer rights, warrantable of {$1000.00} per offense. These actions have left me emotionally weary and uncertain in regards to my personal credit information. I would like an immediate remedy to this mishap from the company in the form of deleting the fraudulent account from both my XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Regarding Inaccurate Reporting of Charge-Off, Unauthorized Sale of Information, and Failure to Provide XXXX Form Dear CFPB, I am filing this complaint concerning an inaccurate charge-off reported by XXXX XXXX XXXX XXXX on my credit report under account number XXXX. In addition to the incorrect reporting, I have discovered that my personal information was sold to a third-party debt collection agency, XXXX & XXXX XXXX XXXX , without my consent. 

Application refers to the act of applying payments or credits to an account. In this case, XXXX XXXX XXXX XXXX has failed to correctly apply the necessary documentation to my account, particularly the XXXX form, which signifies the discharge of a debt. The absence of this form suggests that the debt was not legally canceled but continues to be inaccurately reported as a charge-off. 

Securities are financial instruments that hold some form of monetary value, including debts like the one in question. XXXX XXXX XXXX XXXX has treated my personal information as a tradable security by selling it to XXXX XXXX XXXX XXXX XXXX, for collection purposes, without my explicit authorization. This unauthorized sale not only violates my privacy but also potentially breaches the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and integrity in the handling of consumer credit information. 

Despite my repeated requests, XXXX has not provided : A copy of the original signed agreement between myself and the creditor. 
A detailed accounting of the debt, including all payments and charges. 
Proof of the legal assignment of the debt to XXXX XXXX XXXX XXXX XXXX, for collection or charge-off. 
A copy of the XXXX form, if the debt was indeed XXXX. 
This mishandling of my information and the subsequent incorrect reporting of the charge-off have significantly impacted my creditworthiness. I request that the CFPB investigate this matter, ensure that XXXX complies with federal laws, and hold them accountable for the unauthorized sale of my information to XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX : This section provides that a debtor can request an accounting of the obligation, which includes the right to receive a statement of the debt owed. If a creditor or collector fails to provide accurate accounting or misrepresents the debt, it could be a violation. 

Fair Debt Collection Practices Act ( FDCPA ) : Though not part of the XXXX, the FDCPA is relevant for regulating the behavior of debt XXXX. Selling or transferring debt without proper notice to the debtor, or without proper validation of the debt, can be a violation of the FDCPA. 

Fair Credit Reporting Act ( FCRA ) : Inaccurate reporting of debts to credit bureaus is a violation of the FCRA, which requires creditors and XXXX to ensure the accuracy of information they furnish to credit reporting agencies Thank you for your assistance. 

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

I would like to request by law the suppression or deletion of the following item : XXXX XXXX XXXX  Reasons : Negative date goes from XX/XX/XXXX to XX/XX/XXXX Balance increase every dispute Balance is stated different on the credit report than XXXX XXXX XXXX Statement The final payment [ contract end date ] being due XX/XX/XXXX. Interest should stop by law on the final contract date. 

Debts such as credit card debt, auto loans, and medical debt have a statute of limitations of XXXX years in the state of Georgia. Which mean interest is not allow to be added after final contract date. 

Write-Off Meaning A write-off removes an asset or liability from a companys financial statements. Assets are written off when they become obsolete. Lost inventory, unpaid debt obligation, bad debts, and unpaid receivables are also written off.Which mean XXXX XXXX XXXX is Fraudulent writing off and reporting incorrect data to the credit bureau and the IRS on every dispute.
Product: Credit card

This account is invalid. WELLS FARGO CARD SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

WELLS FARGO CARD SERVICES XXXX
Product: Debt collection

a doctor sent this to a collection agency. when I never even got a bill from this doctor. I have been trying and trying to call the debt collection company, Trans world Systems, but when i call it says.. leave a message for extension, XXXX ive left a message. they dont answer their calls on XXXX different numbers I 've called. they have a fax number on one of their web sites, i tried to fax them a dispute letter. The fax number is a phone number! again, no answer. 
how can i dispute this debt if i cant get ahold of them? the problem is, the doctor office is charging me my XXXX percent share at a price that exceeds what XXXX says i have to pay. the XXXX has to go by XXXX approved amounts. and not charge me what they think they should get paid, Good thing XXXX issues me what they pay out and the most i should have to pay!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized inquiries on my credit report from XXXX, Experian and XXXX. These inquiries are inaccurate and appear to be fraudulent attempts to open accounts in my name without my knowledge or consent. 

Please see the dispute letters I attached on this complaint. It consist the details of unauthorized inquiries.

The presence of these unauthorized inquiries on my credit report is detrimental to my financial health and could negatively impact my ability to : 1. Obtain credit at favorable rates.

2. Secure housing and rental agreements.

3. Obtain insurance at competitive rates.

4. Apply for certain jobs.

5. Actions taken to resolve the issue : I have already contacted the Bureau involved and disputed these unauthorized inquiries. However, I have not seen any progress to my disputes.

Given the lack of resolution and the ongoing negative impact on my credit report, I urge the CFPB to intervene and : 1. Require the credit bureau ( s ) to immediately remove the unauthorized inquiries from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference.

Thank you for your time and attention to this matter. I look forward to your prompt response and swift resolution.
Product: Credit card

I logged in on the mobile Capital One Bank app to make my credit card payment last week well before the due date of XXXX, so that we do not incur any penalties or late fees or interest charge. We have banked with CapitalOne for the past 10 years and every month I pay off my credit card statement amount in full and on time. 

CapitalOne did a system upgrade recently in XX/XX/year> as per the emails we received. 
I received an email stating I have to pay {$1400.00} as the full amount due.So I was doubtful as I had seen my credit card statement showing {$1500.00}. 
When I went online to pay my credit card balance due, I saw only these 4 payment options : Remaining statement balance {$1400.00} Current Balance {$3000.00} Last posted payment {$2700.00} Minimum payment {$25.00} Nowhere did it state the full Balance Amount Due of {$1500.00}, which is very confusing and misleading for the customer. 

Until last month, it would always clearly show the Balance Due Amount as one of the payment options and we would just click that option and pay it off in full, every month.

Hence I had to call Capitalone 3 times to clarify what my exact amount due actually is, so that I do not incur any interest on balance carried forward or any late fees for not paying the full amount. Every time i called them, I got a different answer so got even more confused about the Amount due. 
Finally when I spoke with a supervisor today XX/XX/year>, she agreed and said yes the customer has to open and refer to their monthly statement every time, to make sure they are paying the full Balance Amount Due. It is not listed specifically as one of the 4 options.

I think this is very misleading, inconvenient and time-consuming. 
We have never had this confusion before. If it is due to their system upgrade that was done recently, they need to rectify this error so people dont just select the first option by mistake as we have been doing for so many years, and end up incurring late fees/penalties/interest charges.

CapitalOne should clearly state Balance Amount Due as 1 of the payment options, so that we select it directly and pay off the full amount due, without incurring any penalties/ late fees/interest charges.
Product: Payday loan, title loan, or personal loan

Advance America located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Has called my employer 3 times. After the first time I asked that they stop, the nice lady said she would notate that on the account. However, they have not honored the fact I ask them not to contact my job. It is one thing to try and collect what is owed but it is another to harass people at their places of employment.
Product: Prepaid card

I received a Visa Debit Gift Card on XX/XX/XXXX for {$470.00}. On XX/XX/XXXX I had a balance of {$310.00} on the card and the card stopped working. After calling customer service I discovered that someone else was attempting to steal the card because that person requested a replacement card, which apparently was issued and made my card stop working. I had to send in documents to the gift card company to verify I was the true owner of the card, and a new card was sent to me in XXXX. However, the balance on that card was only {$310.00}, the {$5.00} fee was not returned. I could not activate this new card, as the security code on the back did not work when I entered it on the website or by phone activation. On XXXX I called Customer Service again and they issued me another new card and charged another fee of {$5.00}. On XXXX I called about the fees and they only refunded XXXX of the {$5.00} fees. My new card has been working, but my balance is still off by {$5.00}. On XX/XX/XXXX I called customer service and asked about the {$5.00} fee. I was told I would get a result in 10 days. The fee was not reversed. I called customer service again on XX/XX/XXXX and I was told all fees have been reversed and the person hung up on me. I called again, and talked to another person in customer service who would not give me their name for security purposes. They told me the fee could not be reversed because a new card had been issued and fees can not be reversed once new card is issued. I asked to talk to a manager and then they hung up on me. My current balance is {$5.00}. I did not want to zero the balance in case the card would be closed if that happened. My balance should be {$11.00}.
Product: Checking or savings account

Between XXXX XXXX XXXX  I was the victim of a fraudulent XXXX scam that resulted in the unauthorized transfer of {$9900.00} from my XXXX XXXX XXXX  business account. A fraudster, impersonating my banks fraud department, tricked me into providing a verification code, which they then used to initiate unauthorized transactions via XXXX. The stolen funds were sent to accounts at the following banks : USAA ( XXXX XXXX four payments totaling {$3900.00} ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX payment of {$2000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX payments totaling {$2900.00}, which were later recovered ) XXXX, XXXX. ( XXXX XXXX XXXX payment of {$1000.00}, only {$0.00} was recovered ) Upon discovering the fraud, I immediately reported the incident to : XXXX XXXX XXXX, which investigated and confirmed the fraud but refused to reimburse me. XXXX XXXX XXXX XXXX which refused to intervene and redirected me back to my bank. 
Law enforcement, including the XXXX XXXX Police Department and the FBIs Internet Crime Complaint Center ( IC3 ). 2. Banks Response XXXX XXXX  and XXXX, XXXX. returned {$2900.00}, but the remaining {$5900.00} is still missing. XXXX XXXX XXXX  stated that the receiving banks confirmed the fraud but refused to return funds, claiming that no money remained in the fraudsters accounts. Despite my long-standing banking relationship with XXXX XXXX , they refused to reimburse me and cited that XXXX transactions are final and irreversible. 3. Issue & Banking Failures Banks require Social Security Numbers and identification to open accounts, yet the receiving banks have refused to take further action despite knowing the identities of the fraudsters. Unlike credit card transactions, XXXX offers no fraud protection, chargeback rights, or reimbursement, leaving victims financially responsible for unauthorized transfers. XXXX XXXX XXXX  and the receiving banks failed to act aggressively to recover funds or pursue the criminals.