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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have filed a previous complaint on this company. They have yet to remove the negative items that are causing me extreme financial hardship from my credit report. I was advised to also file a complaint with the XXXX  as this company has a pattern for abusing and violating the fair credit reporting act. Im adding this complaint again with my original complaint. The response received from the XXXX  that this negative information would be removed but still has not. Please see below complaint not resolved. 

On XX/XX/2022, this collections account was added to my credit report. I was not ever notified by XXXX XXXX XXXX XXXX This just appeared on my credit file in the amounts of XXXX, XXXX, and XXXXThe account numbers aren't on my credit report and the companies address is not listed. I haven't ever done any business or heard of either of these companies. Avante XXXX XXXX XXXX did not verify this debt but instead just put theses 3 items on my credit report. This is clearly an abuse of collections tactics. This company has violated the fair credit reporting act. This is not my debt. I don't have or have had any business with this company in the past or currently. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put these items listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from on my credit file with all 3 major credit reporting agencies not to resurface on my credit file again.

Resolution : These are not my debts! These 3 accounts have been added to my credit file in error. This company failed to validate this debt and put these item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit file with all 3 major credit reporting agencies not to resurface on my credit file again and cease and desist all collections efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

- Account # XXXX Account Name-XXXX  XXXX XXXX -Account # XXXX Account Name- XXXX XXXX XXXX -Account XXXX XXXX Account Name- XXXX XXXX XXXX -Account # XXXX Account Name- XXXX XXXX
Product: Money transfer, virtual currency, or money service

I noticed Wells Fargo discloses they make money from currency exchange but, they do not specify how much they make ( marked exchange rate ) from this. This is also disclosed in the small print which people like myself might not really notice or read. I think this is wrong because they say that the wire transfer fee for sending money internationally is {$0.00} but in reality there is a fee hidden in the exchange rate : (
Product: Credit reporting, credit repair services, or other personal consumer reports

They inappropriately put a remark on my credit score during the pandemic. I tried to call and spoke to multiple people and a supervisor and they offered no resolution. They would not even put an inquiry to check to see if there was anything that could be done ( regarding the credit remark ). The supervisor blamed it on the government and said everything was black and white. They are not being held responsible for their actions and reports. Someone needs to know about this. The employees over the phone were very rude as well.
Product: Checking or savings account

I notice around XXXX that my joint checking account at Regions Bank was overdrawn from an automated bill payment. So I transferred XXXX to cover the negative balance, something I have done several times before at this bank ( we will come back to this ) and others. The next day I see on my app the transfer is pending something that I didn't understand. Another bank XXXX transfer several XXXX dollars around XXXX, the same day I notice the XXXX in Regions pending, and it was in the account ready to go. Something very important to mention I call this morning and was able to get them to return my money after intense conversation. One of her excused was I needed to do it before XXXX but I explained to her I done while still at work around XXXX, then it was a new excuse. 
So I making this complaint because this is not the first time Regions done this to me before, and I know they was in court for charging overdraft charges not long ago. Hopefully not but they MIGHT STILL be up to old habits. With that said I expected some refunds from Regions because they have done this to me in the past, but never received anything. 

Thanks, for hearing me out
Product: Debt collection

Kimball , Tirey & St. John LLP is collecting the wrong amount of debt ( {$450.00} ) on XX/XX/XXXX and they never provided me with any documentation to back up their claims They do this on behalf of XXXX XXXX Apartments in XXXX XXXX California
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX sent me a 1099c Cancelation of Debt form to file with the IRS but have recently placed my account in delinquent status. If the debt was discharged and and a cancellation of debt form was sent to me, then I should no longer be liable for any balance of the account. My credit score dropped over XXXX points for XXXX XXXX incorrectly reporting this information to the credit bureaus. I have tried to solve this issue with XXXX XXXX, but the agents do not seem to know about anything that I am speaking about. If I still have to pay taxes on the debt to the IRS for the cancellation of the debt, the debt should show as canceled and no balance should be shown. I was sent the 1099c Copy B on XX/XX/2023 but this delinquency was reported on XXXX XXXX. I will upload a copy of the 1099C form that I was sent, and I want this to be resolved and the balance to be zeroed out.
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, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 card

I had an Apple Card. Somehow there was a XXXX dollar interest charge added onto the bill. I had auto pay set up. I never got a bill for the XXXX dollar so the XXXX dollar balance became 31 days late and they reported it onto my credit report. I didnt get any statements. I obviously wouldve paid the XXXX dollar and now its on my credit report I tried to reach out to the company to get them to remove it, but it still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card is invalid I was on during marriage. Other spouse took full responsibility for debt in our signed divorce agreement. I called discover card 1 year ago and they were not helpful at all. They were informed by myself and ex spouse by law I should not be tied to ex spouse debt
Product: Credit card or prepaid card

XXXX, GA XXXX XXXX I hope you are Safe and Well!! I can not get a response from the Georgia DOL or it's Partner Way2Go concerning a debit card they promised to send Me. On XX/XX/XXXX I was informed by email from Way2Go/Conduent/XXXX  that a debit card was forthcoming. I have yet to receive the card and No way to Contact them. Way2Go are not answering their phones & their website is completely USELESS. What's disconcerting is I know others who have received their cards after filing weeks after me. Help Please I was just informed that my Claim has been Approved and the Funds forwarded to the account or card which I have NEVER Received.
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 U.S.C 1681 FAIR COLLECTIONS & XXXX XXXX Credit report transunion credit report. XXXX XXXX XXXX XXXX section XXXX A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

I followed a link from the website of my bank, XXXX  XXXX XXXX, to XXXX. Of the XXXX reporting companies, only XXXX gave me a free credit report. TransUnion required me to register on their website and pay {$.00} ; XXXX 's link only had a message to " call us ''. 

Aren't TransUnion XXXX XXXX in violation of the law?
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

Do to my information was stolen doing the data breach and I would like my credit report clear in XXXX days
Product: Credit reporting or other personal consumer reports

Earlier in 2024 I found a utility account - XXXX XXXX XXXX Account # XXXX - on my TransUnion credit report. ( This account was not on my XXXX and XXXX credit report ). I initially contacted TransUnion in XX/XX/year> ( XXXX letter attached ) and provided them with both a Police Incident report and ID Theft Affidavit from the XXXX police department that this account was not opened by me and was the result of ID theft. Both of these documents were sworn under penalty of law that they are correct and true. Unfortunately, I received no response from TransUnion nor was my credit report corrected by removing the illegal account. A second letter was mailed on XX/XX/XXXX ( XXXX letter attached ), again with the two supportive documents enclosed and again I received no response. On XX/XX/year>, I again mailed a letter with the two supportive documents. I am awaiting a response but expect none based on preious experience. Due to TransUnion 's purposefully ignoring my requests for them to correct their records and to remove the illegally opened/ID theft account, I am appealing to the CFPB before I turn this problem over to my consumer protection attorneys. They have told me I have an actionable case against TransUnion due to their irresponsible non-responses and the fact that I have lost approval on several credit cards as well as an auto loan. As a final point, I have also contacted XXXX XXXX XXXX, XXXX, SC about this matter but they have refused to supply me with any information on this account stating that because they are a quasi-public private company they are not regulated by the FCRA, can ignore the CFPB and don't have to respond to my requests or questions about this account. Please help CFPB!
Product: Debt collection

This is an alleged debt that is over seven years old ( 2010 ). This company has failed to provide proof of this alleged debt. I have previously disputed it and it has been removed from two of the three credit bureaus. However, it is still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about 10 years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I am writing to appeal the suspension of my PayPal account, which was blocked immediately after I registered for it. I have not yet had the opportunity to use the account for any transactions or activities, so I am not aware of any policy violations or suspicious activity on my account that would warrant such a decision. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. 

As a new user, I was looking forward to using PayPal for my online transactions and I am disappointed that my account has been suspended without any explanation. I am confident that there has been some mistake or misunderstanding, and I hope that you will take the necessary steps to review my account and reinstate it as soon as possible. 

Thank you for your attention to this matter. 

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

XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX REMOVE OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TEXAS, XXXX
Product: Vehicle loan or lease

I am a month behind on my car. I reached out to Ameris bank to discuss this. They were unwilling to help. I have made payments for every month since the one month I missed and this company is harassing me. They have called friends of my family members, they have send mail to an old address we haven't lived at for 4 years even though they have my correct address. They are harassing me. I plan on paying for the car, I have 6 months left in a 72 month loan. Stop sending letters to old address and calling people I don't even know.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX called XXXX XXXX XXXX XXXX. Spoke with XXXX, a supervisor. He escalated the complaint and said I would receive a call back by XX/XX/XXXX. Case # XXXX assigned. 

XX/XX/XXXX received a call back from XXXX, a supervisor. We spoke for approximately XXXX hours. 
XXXX. I asked XXXX to read out loud the copies and content of the copies of information I has mailed to XXXX XXXX  providing proof the account was not included in the bankruptcy filing. The proof included a copy of my actual paperwork submitted for the bankruptcy petition. He was able to confirm this information to be true and correct. XXXX XXXX  had reported to all XXXX credit bureaus that my account was included in the bankruptcy. 
XXXX. I asked XXXX to confirm my payment history on my account prior to the XX/XX/XXXX closure by XXXX XXXX  as a result of the bankruptcy being reported to the credit bureaus. He confirmed the account was in perfect standing and had a {$0.00} balance at the time of closure. As a result, I asked to have the derogatory remark of a XXXX XXXX that XXXX XXXX  reported in XX/XX/XXXX to all XXXX credit bureaus, removed. He confirmed this was erroneously reported. 
XXXX. XXXX XXXX  also reported that late payments of 30 days and 60 days occurred on the account. This is completely false and is still being reflected on all credit bureaus today. 
When the erroneous XXXX XXXX was reported in XX/XX/XXXX, my credit scores declined by XXXX XXXX  and despite my never being late on any payments to any credit cards, my scores have not fully recovered. 
I have submitted multiple disputes with all XXXX credit bureaus since XX/XX/XXXX and directly communicated with XXXX XXXX  and still do not have fully corrected credit reports from all XXXX bureaus. This incorrect information continue to prevent me from getting approvals and opening new credit cards under my name.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, XXXX, and XXXX to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : 1. An inquiry at The XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry at The XXXX XXXX/ XXXX XX/XX/XXXX, These accounts have led to several fraudulent hard inquiries and collections on my consumer FICO credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by Experian, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX for XXXX XXXX XXXX XXXX, I applied for a Spark-branded business credit card with CapitalOne today Friday XX/XX/2021, using the Tax-ID number belonging to XXXX. During the application process I was asked for my personal legal name and social security number underneath a note on the application that read that my personal information would only be used to identify the applicant. 

Moments later, the application was declined and I received a notice the CapitalOne had used both my personal XXXX and XXXX  reports in a hard inquiry which affects my personal credit score. 

I called the reporting agencies to dispute this and they told me I needed to speak to CapitalOne. I called CapitalOne who refused to acknowledge that they fraudulently advertise that personal information will only be used for identification during application for a legal business entity. They simply stonewalled me with the position that personal information is used for business credit, but their application makes no mention of this. I am trying to repair my personal credit post-Covid and would never have applied for this card under full disclosure by CapitalOne. XXXX has a good ( B-grade ) credit rating all on its own and as its own legal entity does not need its rights violated by being discriminated against based on the applying XXXX 's personal credit history. 

I wish to petition the CFPB to instruct CapitalOne to remove the hard inquiries from my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company ( Equifax ) has recently closed my complaint providing information i did not ask for. The LAW STATES I HAVE A RIGHT TO PRIVACY AND I HAVE TO GIVE YOU WRITTTEN INSTRUSTIONS TO FURNISH ANYTHING ON MY CONSUMER REPORT. I WOULD LIKE YOUR COMPANY TO PROVIDE PROOF OF ME GIVEN YOU WRITTEN INSTRUCTION TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. As it state in ... .. 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. Provide PROOF THAT I GAVE YOUR COMPANY WRITTEN INSTRUCTION TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT IF YOU CAN NOT PROVIDE PROOF THESE ACCOUNTS MUST BE DELETED IMMEDIATLY. IF YOU CONTIUE TO REPORT THESE ACCOUNTS I WILL HIRE AN ATTTORNEY AND TAKE LEGAL ACTION AGAINST YOUR COMPANY FOR WILLFUL NON -COMPLIANCE, NEGLIGENCE AND WILL BE SEEKING {$1000.00} PER VIOLATION. noncompliance 15 USC 1681n ( A ) ( 1 ) ( a ) ( B ) en Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; consumer as a result of the failure or {$1000.00}, whichever is greater ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   client  XXXX   XXXX  is an identity theft victim. His information was used to try to establish credit accounts without his consent.  I dispute of one such application was sent certified mail to Capital One by our agency on behalf of our client. Capital One replied to our client informing him " no account was found '' and asking for information about the fraud investigator that was assisting the client ; questions like, financial information about the LPOA issuer, the SSN of the issuer, the job title, the home address, things not related to what a Limited Power of Attorney addresses. The LPOA submitted was to speak on the behalf of, that is all. In addition Capital One failed to even read the dispute infor mation provided. We are not disputing an account ; we are disputing an application and requesting the inquiry generated be removed as outlined in the FCRA.
Product: Debt collection

The account was my ex-husband and I did not know he used my name to co-Sign on the loan. Now he filled bankruptcy and Im left with the payment