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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I took a loan out from my retirement account to pay down cards. The goal being to decrease my credit card utilization. I paid over {$22000.00} dollars towards my card balances. The next day all the cards I made payments to, the limits were dropped to just above the owed balance. When I inquired as to why they said they do reviews throughout the year and determined to lower my limits. 

This has had a detrimental effect on my family and I as we try to pay back the debt owed and are getting hit with high interest costs. The XXXX ratio has largely impacted our options for consolidation, and forced us to continue to pay XXXX % interest rates on debt owed.
Product: Credit reporting or other personal consumer reports

I reached out the them and got nothing but the run around I have drove in 10 years Im not looking for a car and some of theses companies run my information about 5 times in a day are the next day I dont recognize any of this I want to see my wet signature on this authorization this is very inaccurate on my credit report I even informed XXXX to dispute these hard inquiries over 25. If Im correct if credit agencies dont delete your negative items aft you dispute them they will owe you {$1000.00} per item 15usc i68 ( civil liability for willful non compliance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process were unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This account {$340.00} for XXXX XXXX for XXXX XXXX XXXX XXXX showed up on 2 of my credit reports XXXX and XXXX. It was from 2012 apparently and supposed medical bill. This collection account was purchased from Pendrick Capital Partners LLC and then sent to XXXX XXXX. I disputed said account as it only had my name and nothing else. I made calls for about 2 weeks and unable to actually verify debt. When disputing with credit bureaus XXXX advised debt is verified but there is no social security number, address has never been mine or the phone number listed. When you see my address on letters from XXXX is because they got it when I disputer with credit bureaus. When I sent in verification of debt with XXXX they only provided what was sent to them from Pendrick Capital. I have never once received an actual statement or bill regarding this and refuse to pay it. I think it is a shady tactic for collection agencies to throw these accounts on credit reports when debts are 7 years old to try and force someone to pay something that cant be verified other than a name. I have spoke to Pendrick Capital as well and they cant even verify anything outside of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Capital One. Put down my payment received my card and used it as needed. Sent in my payment and the company returned the payment to my bank. This has happened time and time again. I have called and was told my payments were never received. However I have proof the payments were received. My account was fully paid in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has once again sent me a letter stating that 2 items were verified as accurate. If you look atXX/XX/XXXXI just submitted a complaint and they responded they will look into it. TodayXX/XX/XXXXI received a letter back stating these accounts were verified. They sent me a letter and stated they verified the information through the courts which is not true. I sent a letter from the courts certified onXX/XX/XXXXand it stated they do not verify this type of information with the credit bureau to transunion. I called today and was told they received my document, but they have not removed these items from my report and then got disconnected after holding for 30 minutes and being out on hold. They not only have violated my FCRA they have also lied on the courts as well. The 2 items are Chapter XXXX bankruptcy XXXX and Chapter XXXX. How can they not remove these items which were confirmed not verified through the source. I have attached the documents below.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, Equifax responded that they verified fraudulent accounts that do not belong to me that I had nothing to do with. I would like to know how was the fraudulent items verified and when
Product: Credit reporting, credit repair services, or other personal consumer reports

All actions were taken to dispute these accounts and inquiries that's listed on my consumer report all letters has been sent out and all creditors has been contacted for some of the accounts listed below. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX {$650.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX {$930.00} XXXX XXXX  {$540.00} XXXX XXXX XXXX {$610.00}
Product: Bank account or service

XXXX XXXX, 2015 this account was removed from my credit reports. XXXX XXXX, 2015 - XXXX BANK OF AMERICA CHECKING ACCOU {$600.00} was removed from my credit report because it had been on for 7 years. It was added back to my account in XXXX 2015. I filed the complaint before but was looking at my deleted and removed collections on my credit reports and found it had been removed from XXXX XXXX on XXXX XXXX, 2015. How can another company report again when the account was already run the course of seven years? Is this not considered re-aging an account? 
This Company XXXX XXXX is listing on credit reports a monoth at a time instead of all at once causing my credit scores to drop each month.
Product: Credit card or prepaid card

I first received notice of the charge on my credit card in XX/XX/2020 and the card had expired in XX/XX/2020. I attempted to contact the company making the charge, and for which I had not been informed of the charge, to get resolution from them with no success. I then made several attempts to contact Barclay, the issuer of the credit card, beginning in XXXX or XXXX of 2020 and was told through their customer service phone number to submit my complaint online through their dispute resolution process. I did this and each time it was submitted and followed up on that this was the only way to address the issue, they could not resolve it by phone, and that follow up could be expected to take 4-6 weeks each time I made inquiry. After I attempted to resolve this with them over months, I was told it was " outside the date '' at which it could be addressed. After the last communication I had with Barclay, I asked to discuss this issue with a supervisor and I was told one was not available at the time ( even though it was during their posted business hours ) and one would have to call me back at my number. After a couple of days, I received a call that I was unable to take at that time. I returned the call but did not reach anyone, but received a message saying " they received notice I was calling and they would return my call ''. This was attempted twice, with the same message given, and the call was never returned.
Product: Checking or savings account

I allowed my son to use my debit card he got robbed and was forced to give up his wallet the card was used to make several purchases and atm withdrawals I filed a police report contacted the bank filed fraudulent charges and requested a new card they declined the fraudulent charges saying the card was present I explained that my son got robbed and they still denied it I requested paperwork to show on what grounds it was declined and what they discovery during the investigation they promised to send me paperwork of investigation but never did send anything and I believe they never investigated anything because o other occasions, they lost paperwork. XXXX handled my claims and treated them like they they dont even exist.and denied them wrongfully
Product: Debt collection

Synchrony continues to call me 10xs a day. They are calling for a debt that I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this notice on XXXX XXXX to let it be known that I feel my authority and confidence in the credit reporting business is and has been undermined through means of unfair and deceptive practices. I've been viewing my consumer report and its relationship between XXXX XXXX : XXXX, TransUnion and XXXX. I reviewed my credit report and saw that you guys still furnished the same information that I disputed upon request for proof of the information being violated on XXXX XXXX when I sent a complaint to the Consumer Financial Protection Bureau ( CFPB ) and also to TransUnion and XXXX. via certified in regard to the inaccurate information and how TransUnion and XXXX did not do a proper Investigative Consumer report. I do not recall that TransUnion and XXXX. haven't sent out any further communication with me as the consumer in regard to an investigation consumer report. Since TransUnion and XXXX. haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing.
Product: Credit card

To Whom It May Concern : I am in the process of purchasing a home and requested that my lending officer pull my credit reports. I was shocked to see that JMPCB ( Chase ) is reporting that I still an Authorized User on this account. On XX/XX/year> I contacted Chase and requested that my name be removed from this account as it was negatively affecting my credit scores. They stated that they would do so and I thought the matter to be closed. Unfortunately, that is clearly not the case. Because of the overlimit reporting of this account, that is NOT mine, my credit scores have been severely impacted and I am now in jeopardy of not being approved for my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 

On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 
When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXXXXXX. I was then advised that I needed to open another dispute with XXXX which I did. On XX/XX/XXXX another dispute was opened, and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. 

I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 
XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX yet they are choosing not to do the rightful thing, and that is to remove this negative item. 

Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX  is refusing to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled  {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX ( XXXX   XXXX XXXX ). I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.
Product: Student loan

XX/XX/XXXX I rolled my husband 's and my student loans in to a consolidation with promises of a 3 % intrest rate with American Student Assistance, that never happened. They made prmises they did not keep. 

On or about XX/XX/XXXX, I requested a forbearance or delay in paying my student loans due to unemplyment and homelessness. I had a XXXX XXXX so I would get my mail. I thought everything was ok and that I got my forbearance. I began working in XX/XX/XXXX, my second paycheck was garnished with no warning. Found out it was American Student Assistance and they started taking a quarter of my wages. Saying my loans were in default. Called them to find out why ... they said the forbearance was denied because I had no phone number I explained I was unemployed and homeless. They said my loans were in default and wages would continue to be garnished. I tried to resolve the issue a couple times stating my wage amounts and what I could afford and did not know what else to do. 

I believe that the loans were never in default. 

Also in the last ten years I have never once received a bill or any statements for amounts they received or took other than my wage stubs and tax lien notification from IRS. They have never sent interest paid amounts for tax purposes. I know they have had my address because I received privacy notices.
Product: Checking or savings account

XXXX XXXX was a vendor that repeatedly sent me what I ordered but such items were significantly distinguishable than how they were advertised. On many occasions the items did not follow the industry wide standard size chart or simply did not completely resemble what was online. For example, receiving a XXXX XXXX instead of a XXXX, or a XXXX instead of an XXXX. Instead of assisting me in retrieving the amounts paid when all merchandise was returned to XXXX XXXX in the condition in which it was sent, Barclay piled me with requests for more information that they did not use when they did not proceed with the requests for refunds associated with such transactions. I also found that the customer service received through the Barclaycard was well correlated with the amount that I would pay off my balance. When I made significant payments, such as 200-500 % more than usual, open disputes were quickly and promptly resolved without much paperwork. When such payments are not made, Barclay does very little with the responses for large amounts of information that they request. They are also not specific with which further information that they request and they refuse to communicate in writing, deferring to very unproductive phone calls that involve little new information but will move fruitfully forward, in either event irrespective of amount of payment, to closing the case. I find these phone calls wasteful and when the issue is not resolved, completely abusive. I also find that I have to send them notice of the letter submitted more than once, i.e. the company doesn't communicate in response to my communication unless I persist in finding out what occurred in response to their receipt of my communication.
Product: Debt collection

The company claims I owe {$490.00} for XXXX but this is not my account and I dont know how it got on my credit because the social security numbers dont match. My social and the social for this debt is totally different.
Product: Debt collection

We recently applied for credit and discovered, to our surprise, that Commonwealth Financial Systems, Inc listed the following debt on XXXX : MEDICAL XXXX Collector : MEDICAL Account Number : XXXX Date Opened : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Amount : {$50.00} Date of Status : XX/XX/XXXX Status : Closed There are several concerns regarding this debt : - First and foremost, I have full medical insurance coverage and this debt could not have possibly have been incurred in XX/XX/XXXX. 

- I recall having seen a collection of {$50.00} previously on my XXXX Credit Report but under a XX/XX/XXXX date and XXXX deleted the debt. However, it appears to resuscitate and is reposted again and again on my credit report ; each time under different Collection Agencies. 

- I 've been receiving numerous phone calls on my home phone and recently received one on my cell phone whereby the woman did not identify herself nor her organization and just said, " Hold on please, I 'm going to transfer your call to the person who called you ''.
The Fair Debt Collection Practices Act specifies that debt collectors can not : conceal his or her identity on the phone.
- The Statute of Limitations for a contracted debt in the state of Florida is five years.
- I have received a letter attempting to validate the debt and have responded accordingly. See attachment.
- I reviewed experiences that others have had with this company on the internet and they appear to be a nightmare. I fear that my letter of denial and request for verification of debt will be ignored and I will continue to receive calls and correspondence.