23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I purchased {$500.00} worth in American Express gift cards split on to XXXX cards. I also purchased one {$100.00} XXXX gift card. Each card was purchased at the same XXXX on XX/XX/year> at around XXXX to XXXX. The purchases were completed and the money was withdrawn from my account. I activated all the cards at around XXXX to XXXX and they were all successfully activated. When I activated them I could see the money that was present in the cards account as well as the store that the cards were purchased at. I tried to make a purchase online, that accepted AMEX, and the card kept being declined. It said the card information was either wrong or it was declined. I checked multiple times to make sure the information was right and it was still declined. I tried to contact the customer supports, but I never recieved a good answer or any reasoning. I then took to online to see if anyone else had similar issues and what to do. I found out that people also shared same experiences as me and had the same issues.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

To whom it may concern, We customers ( XXXX & XXXX XXXX ) are writing to make a complaints for Hyundai XXXX in XXXX XXXX at that time XXXX XXXX we paid down-payment {$1200.00} and was approved after tried at least 5 different running our credit. At that time was {$580.00} a month all different kinds of perks but over the cost of time .When we paid {$18000.00} all together but we was missing 3 payments the car was repossessed IN XX/XX/XXXX STARTING WAS 11 MILES AND CONTRACT TERMS WAS3 YEARS/45,000 Miles. Sold at auction {$10000.00} also yet to remind you the car suppose to be brand New XXXX Hyundai XXXX .We learn their was 3 Recall on car. It's on credit report.DECEPTIVE PRACTICE ( Bad practices ) We like to sue for {$18000.00}. Vin # XXXX Please help us soon as possible.i will send documents soon. 
Thank you
Product: Credit reporting or other personal consumer reports

I have sent proof that the balance is incorrect on 3 times to XXXX and Transunion and they refuse to remove the inaccurate info on my credit report. XXXX and XXXX have both removed this inaccurate information but Transunion refused to properly investigate this matter. The account is for XXXX XXXX and the balance they show is {$620.00} which is not correct. It should have been closer to {$300.00} because I have made payments to the original creditor after XXXX is stating they bought the debt. The original creditor informs me that I dont even have an account with them and it shows that it was closed with no balance. Im not sure where XXXX came up with their amount. the only proof they keep showing me is an old statement from the original creditor that was not even the latest bescause I have a more recent statement that shows the balance being wrong. I never had any type of account with XXXX so why are they lying and reporting false information and why hasnt after 3 times that Transunion won't do a proper investigation. They keep sending me letters that shows the account is accurate despite the proof I have sent them. 


I have attached the latest report after sending proof of an incorrect amount and the proof that they did not remove it off of my credit. 
I am also sending the last statement from the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a correspondence letter to XXXX requesting information on a bankruptcy they were reporting to XXXX that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from XXXX, dated XX/XX/2020 informing me that XXXX XXXX XXXX ( XXXX ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information XXXX reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to XXXX identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. 

XXXX collects date from XXXX XXXX and XXXX for public records. XXXX XXXX is regulated under the FCRA but XXXX is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? 

Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is XXXX not being regulated by the FCRA then? 

XXXXXXXX XXXX website stats to contact XXXX in the event a consumer suspects their bankruptcy information is erroneous. However, XXXX 's website directs us to contact XXXX if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on XXXX 's website, they EXPLICITLY state " XXXX DOES NOT MATCH XXXX INFO TO XXXX CREDIT FILES '' ... XXXX, how does XXXX consider this information verified if XXXX is stating they do not verify such information? 

Also, why is PrivacyRights.org reporting XXXX to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? 

FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to XXXX ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can XXXX report anything to XXXX on a consumer if they are being recognized as a reporting agency?
Product: Debt collection

This company has been calling my work, and home. Niw sending latters. I told them its not mines. Now the threatened to ruin my credit. Im filing a complaint and want this removed from my credit reports. 

ENHANCED RECOVERY COMPAN reported a New Account to your XXXX  credit file. 
Source : XXXX  Company : ENHANCED RECOVERY COMPAN Address : XXXX XXXX XXXX, XXXX, FL XXXX Business Type : XXXX Balance : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX NA - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX  XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX XXXX. XXXX - XXXX/XXXX/XXXX It is XXXX responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.
Product: Money transfer, virtual currency, or money service

PayPal has closed or in their words permanently limited my account. W They have been no help to assist me with the issue. I was made aware that I can file a complaint here so hopefully this makes a difference. My email address is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit reporting agencies on TEXAS ATTORNEY GENERAL OFFICE in XXXX XXXX and XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the TEXAS ATTORNEY GENERAL OFFICE. That is n't even supposed to be reported because child support is XXXX XXXX which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the TEXAS ATTORNEY GENERAL OFFICE does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.
Product: Credit reporting or other personal consumer reports

My credit report contains unapproved hard inquiries in violation of XXXX5 USC 1681c-2. Please correct this issue by removing these entries immediately.
Product: Debt collection

Radius global solutions LLC has been trying to collect on this account twice. Once on XX/XX/XXXX and on the recent one which is XX/XX/XXXX. I would like for them to be charged {$1000.00} for continual harassment to me. The name on the account is XXXX XXXX. My name is XXXX XXXX. I would like to make sure they dont try to re-send this to me ever again. I am sending my proof to you. They put it on my credit report and the credit bureaus and moved it each day.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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
Product: Debt collection

XXXX, XXXX CA and Schreiber / Cohen, LLC, XXXX NH. 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XX/XX/XXXX, therefore I was not receiving the notices. XX/XX/XXXX I was served by a XXXX with a XXXX notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX of Schreiber/Cohen and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XX/XX/XXXX I reached out to XXXX, Chief Compliance Attorney for Schreiber/Cohen to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XX/XX/XXXX that no further legal action will be taken. On XX/XX/XXXX I received a forwarded letter with a State of XXXX Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XX/XX/XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.
Product: Checking or savings account

Bank of America froze my account due to an error of fraud on their part. All of my accounts and money have been frozen even though they have known there was no fraud per the owner ( multiple times ) of the check I deposited. It has been 5 days and they have known the {$35000.00} check was not fradulent even before they frozen the accounts. They can't seem to reverse their own error in the system.
Product: Checking or savings account

I attempted to cash a check on XX/XX/year> at Chase bank. I have an account at Chase bank and the check was from a Chase account holder. The check was not NSF and no problems with the account holder. One of the tellers computers froze up during my transaction and they sent me to the next teller. The new teller told me I could not cash the check, but I could deposit it. I told them that was unacceptable and asked for the manager/ supervisor. No one could help according to the teller and depositing was my only option. I left with the check.which is possibly voided due to their attempts to cash. I will return to the branch tomorrow morning and attempt to resolve..they could not explain to me why this was Chases policy. Only that the computer would not let me proceed.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. 

I have account with these companies. 
The following inquiries are listed on my consumer reports are false and inaccurate : 24inquiries XXXXXXXX XXXX Inquiry date XX/XX/year>, XXXXXXXX XXXX  Inquiry date XX/XX/year>XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXXXXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX  Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX  XXXX date XX/XX/year>, XXXX XXXX XXXX Inquiry XXXX XX/XX/year>, XXXX XXXX XXXX  Inquiry XXXX XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/year>, XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroenous account being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I definitely understand the importance of good credit and being a responsible person. During the year XX/XX/2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted SAFCO to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.
Product: Debt collection

Comenity capital bank violated the Fair Debt Collection Act by called me more than 7 times in a 7 day period and also called me once outside the allowed time to call. 

Hers is a list of times they have called 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

During the pandemic starting in the beginning of 2020, I was so behind on bills. My employment suffered which made things not better. I also caught Covid 19 as well. But I do remember a settlement letter from XXXX XXXX XXXX who represents BEST BUY about settling the account for XXXX. I immediately jumped on it because I had to catch up. It took me 4 payments and I even got a letter from them stating that it's paid. On my credit report though it states that they closed the account and charged the amount off, but it still saying XXXX dollars is still past due. INACCURATE. I had a similar debt with XXXX XXXX in which I also settled with them. They closed it and there is no balance due showing on my report. So why can't BEST BUY do the same. I just want it show closed with XXXX balance
Product: Credit reporting

I have sent letter to Experian to verify account they have listed on my report. It takes too long to see the result.
Product: Checking or savings account

In XX/XX/XXXX, I went to the XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Chase Bank location to create a joint account with my wife. I arrived approximately XXXX minutes before the bank closed and was told that I would have to come back because they were closing soon. I was upset because the bank was still open for another XXXX minutes. Nonetheless, I left and came back. The next time I came, they said that my wife had to be with me. On my third attempt, I came in with everything that I needed. I was teamed up with their XXXX XXXX, XXXX XXXX. After sitting down with XXXX, I told him that this was the third time that I had come in. He started laughing which bothered me a bit ( I didnt think it was funny ), but I said nothing. After that, he began to setup up my account while making small talk with me. I told him that I was not interested in the small talk and that I was upset that I had to come to the bank XXXX times to open this account, which should have been opened the first time that I came with my wife within business hours. After telling XXXX that I wanted the process to be as streamlined as possible, he said something along the lines of, " Listen friend ... ''. I told XXXX that we were not friends and that I just wanted to get my account open. XXXX then refused to open my account and kicked me out. Several days later, I tried to log into my Chase account, and it was closed. I called up and was told that my account was being closed, and they didn't have to tell me why. Soon after I received a check for my account balance amount. It is now XXXX, and I feel that my account was unfairly closed. Additionally, I have tried to apply for XXXX and Southwest cards and have been denied because they use Chase. I would like someone to remove the ban from my account and explain to me why it was closed in the first place. Prior to this event, I had been a long-time Chase customer, and I feel that they closed my account without a real reason. I think it was reasonable that after XXXX times of going to the bank, I didn't want to make small talk, and I just wanted to open my account as soon as possible.
Product: Credit card

I disputed a charge for {$67.00} for a transaction I made. I never received the digital goods, and after a month of requesting a dispute, the bank CapitalOne denied it in the seller 's favor, even though I never received the product. They refuse to provide additional information or a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2010, I sent Capital One {$200.00} for a Prepaid Capital One Master card. Capital One have been falsely reporting to the Credit Agencies that I have a credit account with them. Over the eight ( 8 ) plus years I've had this Prepaid Card the Maxium amount I could use is the amount I put back on the card each month. How is this credit if I'm using my own money? What RISK is Capital One taking? And what protection I have as a Consumer when Capital One report to the Credit Agencies that I didn't sent them my money to put on a Prepaid Card each month and these Credit Agencies are recording this False Negative information and lowing my Credit Score?

This is like if I do not deposit money into my checking account the bank will report me to the credit agency. My compliant is that Capital One have caused me harm with this false reporting.