23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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 a 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 or other personal consumer reports

I am writing to bring to your immediate attention that I have been a victim of identity theft, which has resulted in the unauthorized opening of accounts in my name. I have not authorized these accounts, and they are the result of fraudulent activity. This situation has caused me significant distress and inconvenience. Below is a list of the fraudulent accounts that have been opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you take the following actions immediately : 1. Remove all fraudulent accounts listed above from my credit report.

2. Delete any associated negative information related to these fraudulent accounts.

3. Notify me in writing once these actions have been completed.

According to the Fair Credit Reporting Act ( FCRA 605B ), I expect these items to be removed from my credit report within four ( 4 ) business days of receipt of this letter. Please find enclosed a copy of my Identity Theft Report, proof of my identity, and any other necessary documentation to facilitate the prompt removal of these fraudulent items.
Product: Checking or savings account

Company : XXXX Charges on debit card with Simple Bank ( BBVA Compass ) : XX/XX/XXXX - 2 charges of {$190.00} XXXX XXXX {$190.00} XX/XX/XXXX - {$190.00} After disputing the XXXX charges my bank gave a provisional credit then reversed it. Directly after I received 2 additional charges on the same date from the Company. I was confused as to why my bank did not 1 ) suggest I order a new card 2 ) block the merchant as i reported this as fraud. Bank says without additional information they will not reopen case. Will not disclose if they actually talked to the business and what service they are claiming to be providing to me. Since the last 2 charges, a new debit card has been issued. I've reached out to company SEVERAL times throughout XXXX with the contact form on their website as they do not have a phone number to contact. I've screenshot some of thee interactions ( when I began to realize that this was going to be an issue I needed documentation for ) and although a confirmation message shows I will be contacted in 24-48 hrs, I have never received any response. As far as I can tell, this is a social media boosting service. I have a business account on instagram since they charged my account I have tracked my insights and see no change in interactions with my account. Not receiving the services they claim to be providing by the charges, nor do I wish to. I've tried to log on to their site using my information and tried all passwords until I was locked out. They sent me a code to reset however it said I was not able to view my account & had too many attempts. Now my bank will not respond to my attempt to reopen the claim and has not shown me any proof of contact with the company to verify these charges. I keep being told their dispute dept will get back with me and i get a text from a different team member each time either telling me to submit additional information via email, which i have done, or that they are closing the claim with no explanation. I filed a police report on XX/XX/2019 with officer XXXX XXXX. case no : XXXX ( XXXX ). While I was in the police departed, he tried to locate XXXX XXXX online and could not find any trace of the company either. Also showed him correspondence from my bank and he was shocked that my bank was transferring my claim to a different rep with each message/reply instead of one person following up with me. I showed him my banking transaction history and he suggested I file a claim against the bank itself. I gave the bank one week to respond to my claim again, informing them i would be filing a claim against them one week from that date. No action has been taken to protect me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian and XXXX has fraudulent charges on my credit. The company that reported this XXXX XXXX XXXX in XXXX was involved with corruption and I exposed their unethical business practices. There is no court order for any {$3000.00}. I paid my rent on time every month for 9yrs and have an excellent credit except their derogatory and fraudulent report of over {$3000.00}. This company was robbing rich students, tampering with Federal mail, going in units when residents not home, forged signatures on documents, manipulating and intimidating using police to do their dirty work. XXXX XXXX was the manager and was fired after I exposed to various organizations. FBI, news media and other social media. XXXX XXXX XXXX is evil wicked and greedy for money. These reporting agencies are reporting inaccuracies. This fraudulent charges was retaliation for exposing them. XXXX XXXX XXXX in XXXX placed brown newspaper to cover their office windows then painted it half white so no one would see their staff. Then changed their name to fool people. They are located at XXXX XXXX XXXX in XXXX, XXXX. They are the same company but change their name to fool people. They are charmers, deceptive evil, wicked and greedy robbing rich students and turn on American citizens.
Product: Vehicle loan or lease

loan was paid off early via an insurance check for hail damage to the vehicle which I had repaired prior to receiving the insurance payout. Payoff of the loan was in 2018. After payoff the title was never issued. Someone in their company entered the vehicle in their records as a total for the {$4500.00} ( value still above $ XXXX  ) but this was NOT what they were told at the time of the payoff. They were told the correct reason as I described above and I specifically made sure to mention I wanted them to issue the title upon the check clearing. 
I have tried 3 times in the last 2 months to get the title released to me, even having my insurance company verify that I was driving this vehicle. 
I was promised it would be issued before XXXX but still do not have the title.
Product: Credit reporting or other personal consumer reports

This letter is a request for the steps your company took when investigating the disputed items. Please provide a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Additionally, I would like to know the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also asking for the date when the supposed delinquency occurred, which should have been provided to you by the company. I understand that it usually takes seven years for a trade line to be removed, but I would like to know the specific month and year when this trade line will be removed. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

After selling a house I went in person to pay XXXX XXXX what I owed them. I never received any other correspondence from them other than non-descript emails about the arrival of my monthly e-bill. I had never signed up for an online account. A paper bill may have been sent to the house, but I no longer owned the house. 

A few months later I received a " robo call '' that sounded like spam. I recieved two more, in about monthly intervals and realized it was the same one so stayed on the line longer and found out it was a collector. I paid the bill. 

I did not realize this was put as a derogatory mark on my credit until recently when attempting to purchase a home. After several calls and emails with XXXX, they refused to remove the mark on my otherwise clean credit history. The mark in question is halfway down page 4 of the attached document. 

The collection practices used ( non-descript emails that said nothing specific about owing money and robo-calling ) were unbecoming of a reasonable institution and a clear example of sloppy over-automation.
Product: Credit reporting or other personal consumer reports

I requested to have my Equifax account frozen to prevent identity theft. The account will not let me log in and this has been an issue since XXXX. I have called to try to get it corrected and the issue is never resolved. I have been part of a data breach and want my accounts frozen with all of the credit reporting agencies but Equifax will not update.
Product: Mortgage

On XXXX XXXX, 2015 at XXXX, I contacted Owen Loan Servicing in reference to my account. I spoke with XXXX XXXX XXXX and asked about some documents that were being requested ( Form XXXX ). The complete package has been faxed over twice and the form XXXX was faxed along with the package. It is very difficult to get assistance when calling to the company because not one understands or speak English well. Ocwen continue to ask for the same documents repeatedly although the package has been sent twice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has date of birth incorrect in their record as XX/XX/year>. 

this is invalid reporting. please remove from credit report.
Product: Checking or savings account

Check fraud on Chase Checking Account, 5 checks with amount of {$4900.00} each ( total= {$24000.00} ) on XX/XX/XXXX in Illinois , i live in California and have no dealings in that State. 

Immediately contacted bank next day Sat XXXX-closed checking account impacted as they advised me. That impacted account was closed. Made police report immediately. They asked me to check the accounts on Sat XX/XX/XXXX for anything else, there was nothing else. Their fraud dept. did an investigation & supposedly thoroughly check all possible fraud, and i got reimbursement. 

However, new check fraud {$4900.00} on XX/XX/XXXX against the same checking account that was closed XX/XX/XXXX but $ $ was taken out of savings XXXX. when they guy used checks against checking which was already shut down. 
It went undetected, until i was doing my taxes XXXX, i reported it immediately but after investigation they said yes it is fraud but they would not honor my claim on a technicality that it is past XXXX Chase really does not have proper security for their checking detection. On XX/XX/XXXX ( 2 days after checking closed ) a bank manager from Illinois called me saying that my account was closed and someone was trying to take {$4900.00}, she said he was not allowed to cash it but it looks like Chase did allow and charged it to my Savings account without me knowing. 

How can the consumer, be expected to monitor every single transaction and do all the work of fraud dept. who likely did not do a proper investigation & analysis of transaction in my case. Then stiff the consumer who did find the fraud on a technicality of 60days reporting ( is that the law? ),. I have several savings and checking account with Chase and have many transactions a month on each account. {$4900.00} is a lot of money to lose I have been a local customer at Chase for close to 15 years. Your money is not safe at Chase, the onus is totally on consumer to be vigilant and their check security and people withdrawing is extremely unsafe. The guy who did the fraud checks, hit 5 different Chase banks in the same day and was able to withdraw same amount {$4900.00} but no flags went up in Chase system. I had to catch it and flag next day.
Product: Credit card or prepaid card

Capital One Spark card .... The company, Capital One, sends out literature that claims there is no " preset '' spending limit on this card. I own a group of newspapers in and have a printing bill I pay every month that runs between {$4000.00} and {$5500.00}. I applied for ( and received ) this card with the sole purpose of using it to pay this bill to take advantage of the card 's cash back benefits. 
When I use the card with my printing vendor -- the first attempted transaction on my card -- the card was declined, embarrassing me with the vendor, as well as making it not possible to use the card as I intended and was led to believe I could by Capital one. 
When I query this with Capital One, I'm told that " preset '' does no mean unlimited purchasing power and that in the fine print of their promotional material, it explains that the card will adjust with your spending habits. 
What the hell does that mean? How do I establish my spending habit when the card is declined? 
Capital One needs to be told to cease and desist with this promotion as it is being presented because it is blatant BAIT AND SWITCH to use the language " no predetermined '' spending limits, when in fact there are spending limitationsd based on the consumers " purchasing habits ''.
Product: Money transfer, virtual currency, or money service

I used PayPal to buy a purse online from a company that used PayPal as an option. I used paypal specifically because of the.protection offered and trusted vustomer base they have. The website appears to have been fraufulant. Paypal released the funds to the company and denied my claim that they are fraud and i havent received tracking number or confirmation emails. When i was denied paypal said i.could ask additional questions via email, which i did and now i am getting no replies. The amount was {$52.00} on XX/XX/19. The funds were immidiately released to the seller names XXXX XXXX selling under a XXXX XXXX I triednto.rectify with the seller XXXX PayPal and received no reply, tried to email the website 2 times and PayPal 2 times now, nobody is replying. I want a refund for my money because i have not received what I bought. My moneynwas stolen usingbthis " safe '' form of payment.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 I.C. SYSTEM, INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I literally sent them proof that I canceled membership yet they still allowing it. Thats disgusting
Product: Checking or savings account

On XX/XX/XXXX,, I Receive a Response Back From Wellz Fargo Bank Concerning Issues About Overdraft Protection,, The Problem Is My Account Statements Is Blocked Online Don't Have Access to Any Transactions,, No Paper Statements has Been Issues To Me By Mail at All Concerning This Matter,,,, And For The Settlement Pay ment Go,, Note,, XX/XX/XXXX ( unathorized Bank Accounts Opened,, Was Never Conspenated At All,, Used Deceased Parents Information To Open Those accounts,, If There Was A Settlement Paid In Then Why Was I Conpensated,, This Facts to The Best Of My Knowledge,, XXXX Knows The True,,, This Is So Mess y
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reported    XXXX   XXXX   XXXX    to all  XXXX  major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent   XXXX    trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer  XXXX  over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.    XXXX   XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER LENDER LOAN SERVICER OPERATION SEEKING THE  MAX  DAMAGES. I ASK THAT ALL   XXXX   MAJOR CREDIT REPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting information that does not belong on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have made on time payments on my Apple Card through Goldman Sachs for several several months now. During the holidays I unfortunately forgot to miss a payment, I didnt receive any collection activity besides the notification on my phone from Apple XXXX  but NO letters or phone calls letting me know I had fallen 30+ past due. Once I made a payment I spoke to 2 agents via customer service chat on XX/XX/XXXX to determine how late I was and confirm that there would be no effect on my credit, at this point I had no idea how past due I even was. A supervisor named XXXX told me I did NOT fall into the 30 day and nothing should be on my credit and told me not to worry. Days later I received a late pay on my credit. I contacted apple support today XX/XX/XXXX spoke to another supervisor and all that they had to tell me is they are sorry and will look into it. I feel it is unfair for this to not be taken seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX are reporting inaccurate information of student loan that aren't reporting correct to all three Consumer reporting bureaus. This not a request for an update only a request to remove the inaccurate information once again this not an update. My XXXX  account information is inaccurate. This not a Credit repair Service I don't want nor need a repair service that I can't fix myself. Your in violation reporting inaccurate information. The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Product: Debt collection

I have a charged off Nordstrom Credit Card from XX/XX/XXXX. Nordstrom sold this debt in XX/XX/XXXXto a collection agency called XXXX XXXX. I called Nordstrom to offer a settlement but they told me I need to work with XXXX XXXX Ok, no problem. However, each month, Nordstrom ( not the collection agency ) is updating my credit report to reflect a balance due on a closed, charged off, sold account that they will not accept payment for. Each month they update " FP '' or " Failed to Pay ''. This is a misrepresentation. I am not currently failing to pay Nordstrom as they do not own the debt any longer and will not accept payment for it. The Nordstrom representative told me that Nordstrom handles the credit reporting while XXXX   owns the debt. This is a violation of FCRA and a purposeful way to have a harsher impact on consumer credit scores as this is factored into utilization. The collection agency owns the debt and is therefore the only one with rights to report it. Nordstrom updating this information each month is a way to leverage credit impact over the consumer instead of having the collection agency report it themselves. I want Nordstrom to stop updating this information each month inaccurately as " FP '', update to a XXXX  balance, and remove the FPs in each prior month the debt was owned by the collection agency.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

account name : XXXX account number : XXXX
Product: Vehicle loan or lease

I scheduled a payment then I had to cancel it. I received an email stating it was canceled. I had scheduled automatic payment for XXXX and the still drafted both payment. When one was returned they charged me a nsf fee when it was their mistake.