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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2017 Balance {$100.00}
Product: Credit card or prepaid card

X/XX/2017, I paid XXXX to cover my cash advance balance with Capital One. I noticed I was still being charged 25.90 %, which is {$73.00} in cash advance interest. I called Capital One and asked why am I continued charged the cash advance interest when it shows that the cash advance balance was paid. I was told that until the total bill is paid completely, I will be charged the cash advance of {$73.00}, which is totally unfair. I request that the charges stop because it 's paid and I was declined the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Advanced Resolution Services ( ARS ) informing them that I have had ID Theft issues and that I needed my credit report frozen this letter was signed and delivered by the USPS with Certified Return Reciept. I enclosed a copy of the police report indicating that someone had opened a XXXX XXXX XXXX account in my name and used it to fraudulently obtain merchandise. On XX/XX/XXXX ARS improperly responded back indicating a signed request was necessary? On XX/XX/XXXX I sent, via USPS, a letter once again asking them to immediately honor my second signed request to completely and permanently freeze my credit report. I have received no response even from my second request.
Product: Credit reporting or other personal consumer reports

I've requested that Experian investigate a fraudulent account on my credit report, after the investigation was done, the errors are not fixed on my credit report. I've asked Experian multiples times to fix these errors on my credit report and they've never fixed the errors, Experian is now in violation of the " FCRA '' I want the account from XXXX XXXX XXXX XXXX removed from my account as Experian has failed to update the errors within it's credit reporting. 

Experian has the account reporting XXXX, nd, XXXX days late which is inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter by certified receipt and return receipt regarding multiple accounts with equifax. They were appearing inaccurately I disputed XXXX accounts. However, I have XXXX problem they neglected to remove XXXX of accounts listed on the letter I sent. Im simply asking for removal of account please and thanks its acct # XXXX {$45.00}
Product: Credit card

I paid my balance due on a Chase VISA card in full 5 days before the due date. In the following billing cycle, the bank charged interest stating that even though I paid the entire balance before the due date, interest continued to accrue. I spoke with a telephone representative and met with a bank representative in person but they insist the interest charges are appropriate. What 's the point in paying a balance in full if the bank continues to charge interest?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint with furnisher XXXX XXXX XXXX XXXX that has been pending with the consumer finance since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is still under investigation so I started a dispute with Equifax XX/XX/XXXX, and XXXX and behold Equifax and its unscrupulous tactics has resolved my complaint on XX/XX/XXXX on an investigation thats been open with the furnisher since XX/XX/XXXX. I provided a document for Equifax to investigate the discrepancy and provide me with the information and the way they performed said investigation. Equifax unscrupulous tactics just closed the investigation before consumer finance could even provide me a conclusion to the other 3 investigations. Equifax did not provide me the proof of the false investigation.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and XXXX is reporting that my account is 120 days past due and the XXXX is reflecting that my account is 180 days delinquent. This has caused me issues in securing credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/Gap is reporting a late on my credit file for the month of XX/XX/XXXX, XX/XX/XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted.When this first started unfolding, my employer took safety precautions and cut everyone 's hours leaving me to barely scrape by. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing. I ask that you please make a goodwill adjustment and remove the late notations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wanted to get all accounts verified from collection company and wont sent info requested... asking for itemized statement and refused to send...
Product: Credit reporting

there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX 2 times XXXX XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint as a response to the Credit Bureaus current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. If there are any legal updates needed, remove from my credit report.
Product: Mortgage

I have reason to believe and do believe PNC Bank has been involved in many crimes against me and my property. They have committed securities fraud at least 3 times sending me fraudulent and different copies of a promissory note and deed of trust in the mail, they have committed mail and securities fraud, violated the Fair Debt Collections act, have refused to validate any debt exists, reporting false information to the credit bureaus that is also private information that they were not authorized to release, violation of RESPA charging fees not allowed as they were standard fees to be considered part of interest, violations of Tila and Reg Z. There violation of UCC 3-501 ( b ) ( 2 ) ( i ), UCC 3-501 ( b ) ( 2 ) ( ii ), UCC 3-501 ( b ) ( 2 ) ( iii ), Utah code 57-1-38 ( 3 ) . They are not Holder in Due Course of the note, they are in violation of public law 73-10, title 31 5118, title 18 XXXX. I have tried to resolve this with them administratively and they have refused and acquiesced. They have received registered mail numerous times since at least XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, Mercury Financial ( Mercury Card Services ) received my payment of {$6700.00} via XXXX Registered Mail ( XXXX ). My payment was made as per my Credit Card agreement Payment Instructions and in compliance to 12CFR part 1026.10 ( b ) ( 4 ). To date, the company has not applied my payment to my account. I sent a follow-up letter USPS certified mail ( XXXX ), which the company received on XX/XX/XXXX requesting the company place my account in Billing Error Dispute Status as per 12 CFR 1026.13 for all past, present, & future bills until an investigation was performed, the issue was resolved, and my account was updated. I received correspondence from the company dated XX/XX/XXXX, requesting more information regarding the payment, which I provided a copy of the payment along with a follow-up letter that was received by the company on XX/XX/XXXX via USPS certified mail ( XXXX ). To date, the company has not placed my account in Billing Error Dispute Status as per my written request, which the company received on XX/XX/XXXX. In fact, the company reported my account as late to the credit bureaus for the month of XX/XX/XXXX, which is against the law. To date, the company has not applied my payment to my account, which is also against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had seen my credit report and I see that they are multiple inquiries from XXXX and PayPal that I do not recognize and do n't believe making so I would like them removed.
Product: Payday loan, title loan, or personal loan

Four months ago I took out a payday loan for {$500.00} from Amplify XXXX. I have paid {$170.00} every month until I asked a loan officer and was told I was paying 400 % interest on the loan. I was not told this when I was approved over the phone after applying online. I have contacted the Minnesota Attorney Generals Office and the Minnesota Department of Commerce who besides their investigation, recommended that I contact you as well. I want my loan dismissed and my money I made payments be returned. The are apparanty owned by a XXXX XXXX XXXX XXXX..they are NOT licensed to give loans in the state of Minnesota. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX . XXXX XXXX Minnesota XXXX I received no loan documents
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX, XXXX, XXXX and XXXX  XXXX XXXX XXXX have inquiries that were not authorized reporting to my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple Card by Goldman Sachs Bank. I got the Apple card on accident online trying to replace my phone then it turned into a credit card. Actually a pretty amazing one at that cash back was great and so was customer service till. I first got the card and my fiance wanted to come on with me so we contacted a XXXX by phone she said no problem at all XXXX XXXX well poof my apple card was gone by accident of course so i go XXXX  months maybe XXXX without it and i forget about it totally and boom it magically showed back up on my phone with a XXXX clear balance. and in fact the same day I received a letter in my mail saying they credited me {$350.00} sorry there was an error we will correct with reporting agencies as well on your behalf. Ok thank you till the day after i got my old XXXX added with the new one that i had forgotten about not having my card and all no mailed bills nothing so now my debt had doubled. Whatever I paid it off. I always pay it off on time since i had it.. Then about XXXX  months ago from today I was a victim of fraud or identity theft again and my apple id had a recovery key put on it. Well i learned quickly that a recover key is a XXXX Character Pass code they send you and not even apple can help when its lost by whomever had it from the start. I was told to buy an apple rep i had to cancel my old apple card and under new apple id apply again. I needed to pay my account balance first though of course. I must have asked this rep apple card specialists XXXX times if shes sure it's that simple cause past experience has me nervous and my home had just burned down so i needed to be certain if i pay this bill id have my balance to use again on my card for things well they did it to me again XXXX  me. The new application had failed because the rep failed to close in proper this time. well i called in to address a XXXX and i beleave thats the only place in the world Where a supervisor is less helpful than those under XXXX well after trying to close my account as advised by a XXXX. I called in about XXXX times now and XXXX of which a supervisor came on it was my full time job getting apple to treat me like a customer and correct again there XXXX up well another rep made me pay {$160.00} after the first bill of {$860.00} to close it and guess what still was not closed proper so then the supervisor to save the day again after no joke XXXX more calls in tranffered everywhere this supervisor made me pay XXXX cents and still did not close it proper. I am still Without my apple card i was promised and they still have reported on all my credit reports closed and delinquent with balance..Ridiculous.
Product: Checking or savings account

I called Bank of America ( BoA ) on multiple occasions. During one of the first contacts with BoA, I was told that these fraudulent accounts were not an issue as no charges were being made. Then I was told on a subsequent call that the accounts were closed. After several months, Istarted being charged by BoA, to which I called the company back. I was told that since my personal social security number was not associated with the accounts, I have nothing to worry about. I am trying to resolve this process without much avail. Please refer to the uploaded police, FBI and FTC reports for additional information.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> they stole my debit card information and opened an account in a remittance service app XXXX Using my card they sent money to XXXX in the amount of {$910.00} dollars. The bank made the payment to XXXX without checking if I had made the remittance, XXXX claims to have received a call giving authorization but I did not. The call they received is not even from my number. Both XXXX and Capital One Bank did not request proof of identity or ask to confirm the transfer. They took {$910.00} from my account and now no institution involved wants to take responsibility. The bank should have asked for my approval, I am only XXXX XXXX XXXX and I have never made large transfers from my account, much less to other countries. The bank should have notified me but they did not and they do not want to be responsible for this fraud. 

I have opened a complaint at XXXX XXXX XXXXXXXX I have also opened a complaint at FTC XXXX XXXXXXXX Resolution of the bank not to refund the money XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two
Product: Credit reporting, credit repair services, or other personal consumer reports

GRAIN TECHNO- ACCOUNT # XXXX I am writing to bring to your attention the lack of response from your company regarding my request for investigation pursuant to the Fair Credit Reporting Act ( FCRA ) 623. On XX/XX/2023, I submitted a formal request for investigation concerning an account on my consumer report. However, to date, I have not received any communication or response from your organization, ( previous letter enclosed ). According to the United States Code, specifically 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), upon receipt of a request for investigation, a company has a legal obligation to respond within 30 days.
Product: Debt collection

I have recently re-established my credit back into excellent standing, so I check my credit report very often to make sure that all information is accurate and true. On XX/XX/2019, I received several emails from credit reporting providers stating that my credit file has been changed. A debt collection company under the name " Radius Global Solution '', reported to the credit bureaus that I owe a debt of {$180.00}. I do not owe any one anything and I do not know who this company is or what this debt is about. I did not receive any dunning letters nor did I receive any information regarding this debt. I did not have a chance to dispute this inaccurate information before it was just placed on my credit reports. This has dropped my scored tremendously. This is a complete violation of my rights. I want this account removed immediately from my credit reports!
Product: Credit card or prepaid card

I was XXXX  and XXXX  for XXXX 1/2months. From XX/XX/XXXX to XXXX XXXX XXXX. 
While I was XXXX  Direct Express activated a new card with a fraudulent person and allowed them to empty my account that entire time. Transaction after transaction after transaction. I was not made aware of any of this into XX/XX/XXXX when i called to have a replacement card issued. It was then that i was told my account had been accessed the entire time i was away and I also had to go through XXXX to prove that i was the actual account holder and that I needed the other card closed and i disputed everything from XXXX XXXX to now. 
I have a policy that protects me from fraud and i reported it immediately and followed all instructions. I feel like Direct Express frauded me then and now by claiming no error was made. This is about XXXX. Dollars and all the money i had to my name. Im XXXX i have XXXX XXXX I'm very XXXX. More im XXXX  now. I have no money to rent a place nor to pay utilities. No transportation. Nothing. Direct express helped a criminal fraud me for five months and then snubbed their nose to me when I'm the account holder the victim. They ruined me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 Santander Bank removed without notifying me {$3400.00}. Seems someone claimed that they sent funds into the wrong account. Seems to me that anyone can make a claim of doing this but can they show proof. Seems that the banks do not demand some proof of this. Thereby creating a back door for scamming and thief. 
i have gone into my hangouts account and have printed a portion of my conversation with XXXX XXXX showing that the funds were sent to the account specified and to me. I have added those pages to this complaint. One must remember that there is no way to print out a conversation or partial conversation for hangouts. One must copy and past to XXXX or a writing  software. 

The individual to call and confirm is XXXX XXXX her phone number is XXXX It is a XXXX number. Seems the funds were put into Ms. XXXX XXXX 's XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made previous complaints to LVNV Funding LLC to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never sent proof of a signed contract with my signature with them about the alleged debt and I wouldn't be paying it either. They don't have the right or a license to try to collect an alleged debt in the state of Arkansas. Send me proof you have the right and license. According tot he XXXX consumer access website you don't have a license in Arkansas. By continuing to tor report negative information and defaming my character i will seek damages of {$5000.00} in small claims court if not removed from my Consumer reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent all three credit bureaus a letter that they were reporting inaccurate and incomplete credit information and that i needed to see verifiable proof. They are not complying with regulations based on my request for an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors (XXXX, XXXX XXXX, XXXX / XXXX) rest all are not recognized and authorized by me.
So these hard inquiries should be removed from account. 

I tried calling Transunion but they said they won't take care of it and cannot delete these hard inquires.
Product: Debt collection

XXXX XXXX is the name of the company. It is an app that is designed to help people get out of credit card debt. They have marked a late payment on my XXXX credit report two times. The first time I asked them to take it off after making a payment to them of over {$1000.00}. I had some financial difficulties and after paying the large amount asked them to remove it. The second time, was on XX/XX/2022. I had paid what was due on XX/XX/2022. This was NOT a late payment. I asked them to remove it and they said they would not. Both late payments need to be taken off my credit report.
Product: Credit card or prepaid card

Capital one/XXXX XXXX XXXX, I have 3 CapitalOne credit cards, all were set up for electronic payments for the due date that was required for payment. I noticed on my credit bureau, which I monitor regularly that I was showing a late payment for the card mentioned above. I immediately called the credit card company to find out what was wrong. They stated that they had changed providers, and delayed the EFT. Of no fault of my own. They admitted that this had happened to many customers and that they would take care of it. I intentionally set up electronic withdraw, so this would not happen. If you look at my credit, I do not miss payments on any of my cards, XXXX, XXXX, etc.. or any other lender that I have. This occurred XX/XX/2019 and I have been attempting to correct this every since. I would prefer to cancel this card, but feel trapped until I get this resolved. Any help that you can provide would be greatly appreciated!