23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX am reporting a deeply serious complaint against the entity of XXXX XXXX XXXX XXXX XXXX, collections agency regarding there gravalicious and phony debt recovery approach in relations to a debt that has long, long ago reached it 's maturity date. 

XXXX XXXX XXXX XXXX XXXX, and it 's shared affiliates unscrupulous approaches to recover a debt that was originally taken out for {$2500.00}, between the year XX/XX/XXXX, and XX/XX/XXXX has long been updated and removed from all three major credit bureaus, through multiple disputes regarding many unfair charges etc. And therefore, such, debt has no genuine merits for any types of collection recovery etc. 

In addition I vividly remember filing multiple disputes to have this debt removed particularly from XXXX, files which was done two to three months before its removal month and year, with that being in the month of XX/XX/XXXX, and which was shared with me by a live customer service representative person on a called in over the phone through my initials of verification etc. 

In my closing out now, and complete analysis regarding XXXX XXXX XXXX XXXX XXXX, and whether there acting solo, or in connections with it 's counterparts to collect on a debt that has long passed it 's statues of limitations, and that has long been exhausted on it 's recovery time frame which would surely be deemed as extortion 's, ugly conspiracies to entrapment 's, tactics of manipulations, major monkey businesses, along with ethical fallacies, rhetorical fallacies, and rationale fallacies which many, many consumers in the business world and societal marketplace would deem such disturbing actions as non de minimis, and which is for surely reprehensible at all major levels etc. 

In further, I am quiet frankly, appalled and incredulous by all these criminal activities by XXXX XXXX XXXX XXXX XXXX, and it 's affiliates which are deeply troubling, and deliberately deeply disturbing, and with deeply intentions of culpable negligence. And as such, this entity and it 's affiliates whether they 're again, acting solo or not should be held accountable and responsible for all their collective despicable actions for trying to take advantage of me, and perhaps many other potential consumers in the marketplace etc. 

These types of phony business conduct causes debt restart on debts that has long been eclipsed in the societal business world and marketplace which causes many other major effects unjustly on many consumers etc. And as such, I implore for all body of governments, and all entities of consumer watch dog groups to reward XXXX XXXX XXXX XXXX XXXX, and it 's acting affiliates with stiff penalties of justices at all major levels in general etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( acct : XXXX ) is NOT supposed to report ANY late payments on my account ONCE the acct has been DISCHARGED from a BK.
Product: Checking or savings account

Approximately one month ago, I established a checking and savings account through PNC. I did this after moving from North Carolina, where I currently have a XXXX XXXX XXXX XXXX account. I successfully transferred money from this account ( {$2000.00} ) and from another account ( {$1000.00} ), but when I tried to transfer another amount of {$2000.00} to my PNC account, it was rejected. NC XXXX was not notified that this amount was rejected, and sent the money anyway. For two weeks, {$2000.00} was missing from my accounts. After calling both banks, NC XXXX was finally able to help me by talking through the dispute process, and they were able to locate the {$2000.00}. 

During this time, I was unable to make my requirement of depositing {$2000.00} in my checking account through PNC, and a fee was taken. When I went to attempt the deposit again, I discovered my online banking access was revoked for PNC. After calling several times and visiting multiple branches, I have continually been told that I will be called back in 1-3 business days by higher-ups. PNC has NEVER called me back, and I have always had to call them to ask about my issue, having to re-explain this problem to several officials. I now do not have access to {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify CFPB and Credit bureaus my rights as a private woman and consumer is being violated. Upon reviewing credit reports I see Account name : XXXX XXXX ACCOUNT # XXXX under 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) The Credit Bureaus and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is breaking the law furnishing to my credit reports without my consent the law clearly states - I the consumer must be granted the opportunity to deny any information being communicated on my consumer report '' AND any and all claims MUST be verified with proof before placed on my credit profile- There exist no verified proof nor consent by me, authorizing XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit reports ; they must be deleted. **** I HAVE a RIGHT TO PRIVACY AND 100 % ACCURACY on my credit reports. Additionally, All mentioned parties do not have correct information furnished on my credit report pertaining to my legal name and resident address. I really believe this may be a case of mistaken identity and or identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 : also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXX/XX/XXXX - XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XX/XX/XXXXInquiry XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XX/XX/XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX IN - XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

It was with cash app and this all happened in XXXX with my account under my old email XXXX and I opened another one in XXXX XXXX  XXXX XXXX they both were completely taken over I sent the emails I was getting and with the first email I mentioned XXXX was taken and I was completely locked out and was given no answers and that account was used by only XXXX knows who and for what and my other one was shut down and I was unable to retrieve my money still to this day I cant even access them and havent been able to as soon as I complained the second email which I opened one in XXXX and the other one in XXXX the XXXX account they said I broke the rules and said I gambled with cashapp even though I sent them the transactions in question before my money was taken
Product: Checking or savings account

My employer-issued direct deposit has not been made by Capital One due to a technical issue on their end. I have bills due that I can not pay.
Product: Student loan

I applied to switch from one income-based repayment plan to another ( IBR to REPAYE ). I applied to switch to REPAYE as soon as it was made available in XXXX XXXX. My application was not processed for months. It took 6 months for my application to be approved. FedLoan Servicing said there was a backlog because many other customers applied for the new REPAYE program. However, the representatives noted that my wait time for processing was excessive. I have been in Administrative Forbearance during this time, while my interest is accruing on my loans. I have had to make over 20 phone calls to FedLoan Servicing from XXXX XXXX to XXXX XXXX to get switched over to the new REPAYE repayment plan.
Product: Credit card or prepaid card

I went to use my Amazon Chase Credit card for an online purchase on XX/XX/XXXX, and my purchase was declined. I tried to make the purchase again using my XXXX Chase credit card and it was again declined. I called Customer Service and was told that the reason my purchase was declined was because my cards had been closed as a bank decision. When I asked why, I was told that it was due to payments being returned on my Southwest card earlier in XX/XX/XXXX. I explained to the customer service rep that I had mistakenly entered the wrong account number and the wrong routing number, as I was paying out of a new checking account. I had called in XXXX to let Chase know that I had made a mistake, and I was told that everything was fine and not to worry about it. I was told that I could even call in and have any fees waived for these returned payments. I however did not have those fees waived, and paid them in full. My payment went through once I corrected my error, and my card was paid in full. I continued to use my card and make payments without a problem. I was also confused because there was not a single problem on my Amazon Chase card, but that one was closed as well. The customer service rep told me there was nothing she could do, and told me that there was not a single supervisor on duty due to COVID-19. I then wrote an email to the executive office on XX/XX/XXXX asking for someone to look into this and to reach out to me. Someone from the executive office did reach out to me on XX/XX/XXXX, and told me they were reviewing my account and would get back to me. It is now XX/XX/XXXX, and I still have not heard a single thing from Chase Bank. They closed my two largest credit cards in the middle of a pandemic, with no regard to how this could be affecting me and my credit. I would like to hear from someone to get this resolved.
Product: Credit reporting or other personal consumer reports

In reference to an account of XXXXXXXX XXXX : XX/XX/XXXX - I sent a letter letting Experian know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXX - I sent a letter to Experian informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXX - I sent a letter to Experian explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XX/XX/2023, I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 
In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX , Account Name : XXXX XXXX XXXX Account Number : XXXX, Collection Account : XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 A : States I have a right to privacy. 
15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very tired at this point dealing with Experian. Ive contacted this company multiple times to rectify my affairs and they willfully non comply each and every time. They have alienated me as a consumer so now Im going to file a dispute against them in small claims court.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry from Chase Bank on XX/XX/2018 and I didnt request anything from them so this must be incorrect.
Product: Credit reporting or other personal consumer reports

I just checked again my TransUnion, XXXX and XXXX credit reports and I can see accounts reporting inaccurately. Please see attached file below
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Credit card or prepaid card

Cashapp withdrawal on XXXX XXXX XXXX XXXX? sats Cashapp withdrawal on XXXX XXXX XXXX XXXX sats I was told that these were bitcoin transaction withdrawals. I dont even know how to do bitcoin. Secondly the withdrawal on my account how where I have NO Knowledge of. Cashapp closed the investigation stating that I Authorized the withdrawal! Im at a loss but I authorized the withdrawal! That doesnt make sense! When I click the transaction its NOT giving information about whom it may have went to or where. I said this may be some type of FRAUD or SCAMS. Has to be. I didnt Authorize these withdrawals. And to stop investigating without giving the client information is preposterous! You playing with people livelihoods. I dont have money to just disappear and I not know where it went. Usually I get a NOTIFICATION of anything on the account. I wasnt notified about the withdrawals. Went to pay my bills and my money wasnt there!
Product: Credit card

My Chase Sapphire Reserve credit card has been on good standing for more than 6 years. Chase abruptly closed my account while I'm traveling outside of the US ( they sent a paper mail to my address that I do not have access to at the time ) and offered no recourse to reopen my account by a rude and unprofessional customer service representative on the phone, with the only reason given being suspected money laundering activity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX BANK : # XXXX, has violated my rights. 


After reviewing my credit report recently on XX/XX/year> I noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED BOTH PARTIES INVOLVED AND HAVE NOT GOTTEN ANY RESOLUTION as i only applied one time but its showing up twice on my credit report.