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

Upon reviewing my credit reports from your bureau and other agencies, I have noticed significant discrepancies regarding this account. TransUnion reports the account as " Late 120 Days '' as of XX/XX/year>, while XXXX has classified the same account as " Derogatory '' and flagged it as a " Collection/Charge-off '' with differing dates. 
These inconsistencies clearly indicate that the information being reported is incorrect and may violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit information be accurate, complete, and verifiable. 
I request the following actions from your bureau : XXXX. Validation : Provide verification and documentation supporting the accuracy of this account 's information as reported by XXXX XXXX. 
XXXX. Correction or Deletion : If you are unable to validate the reported information within the legally mandated period, I demand the immediate deletion of this account from my credit report. 
Please complete your investigation within 30 days of receipt of this letter, as required by federal law, and provide written confirmation of your findings and any actions taken. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my file has been updated appropriately. 

Creditor : XXXX XXXX Account Number : Ending in XXXX Attached : XXXX, Passport, proof of address
Product: Vehicle loan or lease

I lease car XXXX XXXX signature model XXXX  after3 years I was in XXXX & my registration is above to expire. I went to dealer which XXXX XXXX gave massage I went there they didnt help I told them take whatever your charges for documentation and I can take refinance on buying a car but they didnt do it. I had approved loan from XXXX  XXXX XXXX but I was in rush because my registration is going to expire so finally I called XXXX XXXX XXXX XXXX told them I am buying car send me documents then I did from my account bank certified check send them overnight courier. After sending check I told them please send me car Title as soon as possible I am providing you my FedEx account number please do overnight t they promised me we will do it but they didnt do it and in 15 day I was keep calling them more then hour hold time on phone in 15 days may be I talk to them 75 hours on talking time on phone even supervisor also said you will receive by XXXX from our account etc some supervisor even say we will do tomorrow morning like that kind of promise they didnt do it they dont have information or not I dont know I told please check bill of sale is showing separate NY Tax make sure because I paid them they ya we check all is good and then they did it by regular mail which they did wrong and bill of sale didnt saw separate tax I called them I had XXXX appointment I said I need now they said it take XXXX minutes and we dont do it by E mail give me Fax number I gave my office fax number they did it after I left from office because I had appointments to XXXX Then only supervisor help me XXXX even she called me when XXXX was in XXXX XXXX me by E mail but I had to spend more time XXXX for XXXX to XXXX hour XXXX wanted to verify Documents in this process we had gone through a lot my head was paining when I explain situation to all XXXX employees I Thought what kind of Company this I Will Never buy XXXX again if I talk on XXXX explain so many other things
Product: Debt collection

Resurgent Capital Services LP is violating my right to privacy and is in violation of the Fair Debt Collection Practices Act 15 U.S. Code 1692e - False or Misleading Representations in Communications. Please see attachments.
Product: Checking or savings account

On XX/XX/2024, a charge was made from XXXX in the amount of {$920.00} via my US Bank Debit Card. This payment was made without my authorization and was ran automatically without my consent. On XX/XX/2024, I contacted XXXX to set up an extension on payments and the payment to run on XX/XX/2024, the amount was for {$400.00}. When the charge for {$920.00} happened on XX/XX/2024 I immediately called my bank " US Bank '' to dispute the charge. I was advised it needed to be processed as a fraud transaction, they cancelled my existing card, and provided a provisional credit 1 week later. The provisional credit is temporary until they complete their investigation. During this time I was also disputing it with XXXX, they even refunded me my overdraft fees because they knew my payment should not have ran. On XX/XX/2024 I receive a letter from US Bank stating they declined my dispute, but did not provide me with any kind of proof of why the declined it. And on XX/XX/2024 I was charged XXXX back to my account again, sending it into a negative balance. This should have been very cut and dry, I did not authorize a charge, I asked for a refund and they refused. At that point my card was charged without my permission because we had an agreement that the payment would run XX/XX/2024 and for XXXX not XXXX
Product: Credit reporting

There is a XXXX here of $ XXXX.I called XXXX XXXX They said it was sent to the wrong address My Insurance will pay the entire bill. I have no idea how it was sent to the wrong address.This was for a mammogram I had last year, I have never had to pay for one
Product: Checking or savings account

I sent money to my son & that morning account was closed. I called Cashapp & wasn't able to get any info. Was told to read terms & conditions which is 9 pages long. 
They said that I was gambling & my transactions don't reflect that. 
I have filed 3 appeals & haven't gotten anywhere.
Product: Credit card

This is with PayPal SYNCB/PAYP ending in XXXX. PayPal credit Ive had this account for years and this may be the 3rd time using it. I made a purchase with QVC to be billed on my Pay Pal account to be paid within 6 months. I also had some makeup on that same account. 
XXXX XXXX {$790.00} QVC XXXX. XXXX. 
Total PayPal. XXXX ( Should have been XXXX ) XX/XX/XXXX Paid {$260.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX QVC XXXX XXXX XXXX XX/XX/XXXX Paid XXXX conf # XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$120.00} At this point I called customer service to ask what my balance was, XXXX told me O balance. I questioned her and she told me that was correct. I called a week later another rep told me {$33.00}. I knew that wasnt right so I called again a few days later, that rep told me {$150.00}. I tried speaking to a supervisor to no avail. They would put you on hold for 10-15 minutes then it would drop the call.

I called QVC they told me I was paid in full and owed them nothing. Can you see how this got out of hand? I was more than willing to pay my bill but it seemed so deceptive that no one at PayPal had the same answer it felt smarmy. To this day I have no idea and they're just adding interest to my bill but have no real interest in solving the issue.

The other issue with PayPal is on their credit letter to me they say you have 6 months to pay but when speaking to XXXX they say NO its only 5 months. These credit card companies think the consumer is so XXXX. I had to end it there because no XXXX, XXXX or XXXX answers at PayPal were the same. 
Of course they are now acting like Im delinquent and hurting my credit score. Ive been at XXXX for most of my adulthood, now XXXX down to XXXX.
Product: Student loan

Navient continues to harass me day and night. I tried to explain to them that I lost my job in XXXX and could not pay right now, but they call numerous times per day. So far, today along, XX/XX/18, they have called me 7 times and it's only XXXX. They harass me and my ex-husband who co-signed. I am not getting anywhere with them and they have also over the years never told me that when you did a deferment or forebarance that the interest would stack up. This goes for my private and public loans. My total loans started out at around 80,000 and are now just under 150,000. I even called XXXX XXXX XXXX at one time because the harassment wouldn't stop. I don't know what to do with them anymore.
Product: Student loan

I have been dealing with Navient for many years now. Since the beginning I have had trouble getting in touch with them and was given wrong information. My loan has went up {$3000.00} since I consolidated with Navient. I have not even made a dent on paying any of it off. The interest rate has gone up as well. I have been trying to use the plan where it is based off of what you make, but even when using that, the principal has not lowered at all and it has been at least 3 years. I feel like I am never going to pay off my loans.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX Has been submitted for review by mail. Upon reviewing the report today XX/XX/23 the account is showing as normal but I have not received any status update. This same account has undergone an investigation with all 3 bureau and was found not valid with XXXX. I am requesting a follow suit for it does not show accuracy across the 3 reports. I am asking that this account be removed from my credit report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were removed due to disputing them and then put back on my report without my knowledge.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 XXXX XXXX Account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Money transfer, virtual currency, or money service

Cash app closed my account for violation they said and I can not access my money and no one can help me. They keep saying how to withdrawal money not acknowledging the fact that I cant access the account to do so.
Product: Debt collection

I started getting calls from a company called, 'ideal collections ' ( in XX/XX/XXXX ) out of XXXX , Florida . They call at all hours of the night. Sometimes even at XXXX XXXX. They claim to represent our former residence, 'XXXX XXXX. ' We currently have a new lease with a new condo ( for the last 8 months ). We moved here due to the outstanding rental history and recommendation from XXXX XXXX. Now, a new company has bought XXXX XXXX and is demanding more than {$6000.00}. To this day, I still have no idea as to what it is for. I have asked ideal collections and XXXX  for any type of documentation. They have both refused. Ideal collections fraudulently submitted information to several credit agencies. Thankfully, all of them have recognized this as fraud and have removed it from my almost perfect credit report. XXXX  has refused to remove it. I'm not sure why. I have a credit score well over 700 with everyone else, except for XXXX. I've been on the phone with XXXX  numerous times asking them to please remove it. They have since stated that they will re-investigate this obvious fraud. Ideal collections refuses to identify themselves ; location, company identification number, or any type of documentation. This situation has also happened to several other tenants that have left XXXX XXXX. It's the same company ( ideal collections ), and the same amount. I have also been in contact with my lawyer, the state attoreney 's office, the XXXX, and of course, the CFPB. Please help me to have this removed from my XXXX credit report. This has gone past the point of harassment. We are also considering taking this issue to law enforcement. For the record, I actually went to XXXX XXXX  in person asking for documentation and as to what this was all about. I was told to leave the property or that they would call the police. Again, I have no idea as to what this is all about. We honored our lease, gave 4 months notice and have lived quietly for the last 8 months at our new place that requires perfect rental history as well as a positive recommendation from our former residence. The same individual from ideal collections has made it clear that he is upset that all other credit agencies have recognized their fraud. He claims that he is going to continue to submit it to XXXX once a week until I wire him ( the amount has since changed ) {$7000.00}. He has recently resubmitted fraudulent information as of XX/XX/XXXX. Again, I would like this removed from my report ( XXXX  ). All of the other credit agencies have been more than willing to help when it comes to these scammers. I have also asked them to stop calling me, yet they continue to do so. I've been told by the CFPB that there are currently more than 1,1000 complaints against ideal collections. This does not surprise me. In closing, I find it odd that my wife has not been impacted by this ; she hasn't received any threats, calls, nor has her credit report been effected even though she was also on the lease as an equal renter at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting by Experian To Whom It May Concern, I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by failing to ensure the maximum possible accuracy of the information they report about me. 
I have attached evidence demonstrating that Experian continues to report inaccurate information regarding my XXXX XXXX credit account. Specifically : Balance Inaccuracy : XXXX shows my account balance as {$0.00} as of XX/XX/XXXX. 
Experian inaccurately reports a balance of {$17.00} as of XX/XX/XXXX. 
Payment History Discrepancy : XXXX records confirm that my last payment of {$17.00} was made on XX/XX/XXXX. 
Experian reports the last payment date as XX/XX/XXXX, which is incorrect. 
This misreporting violates FCRA Section 607 ( b ), which mandates credit reporting agencies to follow reasonable procedures to assure the maximum possible accuracy of consumer information. Furthermore, FCRA Section 604 ( f ) prohibits using or furnishing consumer reports for unauthorized purposes. 
Despite submitting supporting documentation directly to Experian, they have failed to correct the inaccurate information. This negligence has caused unnecessary harm to my credit profile. 
I am requesting that the CFPB take immediate action to investigate Experians failure to comply with the FCRA. Additionally, I ask for a resolution to ensure Experian corrects the errors and follows proper procedures to prevent future inaccuracies. 
Attached are the following documents for your reference : Screenshot from XXXX confirming accurate balance and payment details. 
Experian credit report highlighting the inaccurate reporting. 
Thank you for addressing this matter promptly. I look forward to your response. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX 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 XXXX 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

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$320.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX  XXXX {$2200.00}
Product: Credit reporting or other personal consumer reports

XXXX put my account in the negatives by {$1000.00}, the bill was then put on my credit saying I need to pay. It was already paid and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did, stating that everything was accurate. 

I did a research myself and found improper inaccuracies on my credit report even after they did a careful research.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is starting to get very upsetting. XXXX XXXX XXXX has erroneously stated that an account from XX/XX/XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XX/XX/XXXX before I ever even HAD a XXXX XXXX account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports immediately
Product: Debt collection

I received two letters in the mail attempting to collect {$35.00} each for XXXX XXXX XXXX. I do not owe these amounts. 

XXXX XXXX attempted to invoice approximately {$350.00} in XXXX 2017. Due to medical malpractice ( the bills were the results of inappropriate prescriptions, a XXXX XXXX XXXX XXXX by mistake causing XXXX, resulting in ER visits, invalid diagnosis from physicians of an XXXX when I had 2 XXXX ). I contacted XXXX XXXX  's billing department, who agreed to remove all charges instead of facing me in court for malpractice. XXXX XXXX XXXX legal attorney 's ( the XXXX XXXX in Kentucky ) were informed of the situation.
Product: Credit reporting or other personal consumer reports

CORRECT NAME : XXXX XXXX CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THERE IS INCORRECT AND FRAUDULENT INFORMATION ON MY CREDIT REPORT SUCH AS NAME ( XXXX ) AND ADDRESS ( ES ) THAT CREDIT BUREAUS MUST REMOVE FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX