23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Date is XX/XX/XXXX? XXXX. Amount : {$750.00}.. I have deputed this information and I have not received the information which I am requesting. This leaves me with greater Concerns from XXXX at XXXX and your company is reporting on sharing my identity and information that is NOT correct which is reflecting on my credit Report with in-accurate information that is affecting my life which has hurt my ability to obtain credit. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by Federal Law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on the credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ).

FCRA also according to 15 US Code 1681 ( s ) 2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must removed the account ( XXXX ) from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- credit inquiry unauthorized XXXX XXXX- unauthorized inquiry more than once. 

XXXX-unauthorized inquiry XXXX XXXX unauthorized inquiry more than once. 

XXXX unauthorized inquiry XXXX XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry I have contacted each creditor they all have told me to contact transunion and transunion keeps telling me to contact the creditor.
Product: Credit reporting or other personal consumer reports

Several companies such as 1st progress Michigan XXXX XXXX XXXX and XXXX XXXX are reporting inaccurate addresses on my credit report.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX of the office of the CEO called customer regarding my previous complaint on XX/XX/22 and XX/XX/22. On both calls XXXX eluded to the customer being responsible for not completing transactions on the account. XXXX XXXX further refused to provide company policy or documentation to support her assertation that I was required to have an additional XXXX on file with the Bank. XXXX XXXX was unable to verbalize why the bank was not in possession of documentation completed when the account was opened in the branch in XXXX Texas, or any subsequent e-documents completed through their portal. XXXX XXXX was able to state that there was a known glitch with blocking access to the account but that it was not stopping transactions. She however failed to acknowledge that you must be able to access the account in order to perform transactions within it online or within the XXXX, which was blocked from access and therefor blocked from performing any transactions. XXXX XXXX was adamite about providing information that any debit cards continued to work no matter what was going on online. Had XXXX XXXX researched the customer 's account she would have know that the debit card and bank are not utilized with USAA in this manner. 

It is therefore asserted that XXXX XXXX intentionally blamed the consumer for all faults of the bank and intentionally attempted to mislead and deflect from the stated issues in order not to address them. When asked to speak to her XXXX XXXX XXXX told the customer that there was no one higher to speak with that would address her issues. 

XXXX XXXX has a XXXX named XXXX XXXX. 

XXXX XXXX ended her conversation on XX/XX/22 stating that the customer could read her report and conclusion from the CFPB. 

The CEO 's office was called and notified of the XXXX XXXX 's actions on XX/XX/22 representative XXXX XXXX took the information during the call.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Square Account Services deactivated my account after advising they were not able to support my business needs. In an email on XX/XX/XXXX, Account Services advised that any funds currently in my account balance will be held for a period of 90 days and released to my on XX/XX/XXXX and that the funds will be available in my bank account within 2 business days. They indicated that the release date and amount available for release are subject to change if they received additional chargebacks. However, there have been no additional chargebacks since the account was closed and unable to process transactions subject to chargeback. I have emailed over a dozen times and they continue to push the date back. Without notice, I am now told I must wait an additional 90 days. Square continues to withhold funds acquired by my business 120 days ago and are legitimate and valid charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I originally lost my information in a wallet and i wasn't aware of motoring my credit. So, in XXXX when I checked my credit report. I seen so these accounts that did not belong to me. I requested to have 3 Credit agencies freeze my credit file and added fraud alert. Then started disputing the accounts that didn't belong to me and the only one that has not deleted the remaining credit cards accounts is XXXX. The other 2 comply with my request back in XXXX. It will be 8 months and counting that no changes were made with these store credit cards accounts that do not belong to me. I sent Equifax copies of the FTC ID theft report copies and still no deletions were made. I can't allow to use the excuse of COVID due to delays when is my personal information is at jeopardy. I demand these accounts be deleted immediately or i will file ligation due to the distress XXXX caused me.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry from XXXX XXXX  for XXXX XXXX but I didnt apply
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of XXXX and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting me.
Product: Prepaid card

I purchased a {$500.00} XXXX prepaid card issued by ITC Financial. The card was destroyed and I have requested a refund or replacement. I have been told that such request is not possible. I do not find this acceptable as I have the number for the card, the original purchase receipt and can confirm that as I know for a fact it was destroyed it has not been otherwise used or claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Debt collection

On XX/XX/XXXX, I received notification from XXXX of my credit score decreasing by XXXX points due to a debt collection of {$100.00} for XXXX by debt collector, Penn Credit Corporation XXXX An attempt to collect a debt I had no knowledge about. 

On XX/XX/XXXX, I received correspondence from Penn Credit stating an amount was owed to XXXX & XXXX in the amount of {$100.00}. In their letter, it stated to respond via email or mail. I immediately responded on XX/XX/XXXX and sent an email ( copy attached ) to Penn Credit requesting copies of utility statements from XXXX & XXXX for my review. To my knowledge, the account was paid in full upon closing the account with XXXX & XXXX back in XX/XX/XXXX. XXXX & XXXX is not my utility company, but it was back in XX/XX/XXXX for XXXX only while renting a townhome and waiting for my new home to be built. All my correspondence was sent to a XXXX XXXX while my home was being built which I kept until XX/XX/XXXX and do not understand why XXXX & XXXX waited until now to speak up of an amount owed. 

On XX/XX/XXXX, I received acknowledgement from Penn Credit with copies of XXXX XXXX XXXX 's XX/XX/XXXX final bill. Two days later, on XX/XX/XXXX, I received a notification from my XXXX that derogatory information was reported. 

Penn Credit Corporation did not provide me with necessary documents when first contacting via correspondence on XX/XX/XXXX. 

Penn Credit Corporation did not allow me enough time to review and respond prior to reporting negative/ derogatory information to the credit reporting bureaus. 

I have incredible credit status with no negative information reported, and now due to Penn Credit Corporation, there is a negative scar on my report. I would not foolishly jeopardize my credit rating for {$100.00}. 

I hope we can clear this matter up as soon as possible and Penn Credit Corporation is held accountable for false accusations against myself and my credit reporting status and not allowing me ample time to resolve this matter as under the CFPB laws for credit reporting, etc. 

Penn Credit Corporation is located at XXXX XXXX XXXX, XXXX, PA XXXX with phone number of ( XXXX ) XXXX and email address of : XXXX Thank you in advance for your time. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX MY SS# IS XXXX MY DOB IS XXXX I AM REQUESTING THE IMMEDIATE REMOVE OF A FRAUD ALERT FROM XX/XX/2018. I NEVER REQUESTED AN ALERT!!  I HAVE CALLED IN AND TRIED TO PUT MY INFORMATION IN ON THE experian.com/upload. IT WAS REJECTING SEVERAL TIME FOR UNKNOWN REASONS. I HAVE ATTACH A COPY OF MY ID AND SS# TO THIS CFPB COMPLAINT.  THIS HAS BEEN A ON GOING ISSUE. I AM TRYING TO CONDUCT BUSINESS AND IT KEEP GETTING STOPPED DUE TO THIS UNNECESSARY FRAUD ALERT THAT I NEVER REQUESTED!
Product: Checking or savings account

On XX/XX/XXXX I filed a fraudulent claim with Navy Federal Credit Union for a charge from XXXX XXXX for {$180.00} that was not supposed to happen. I spoke with customer service and she admitted this was an incorrect charge and XXXX  would refund me in three business days. That never happened. I submitted a fraud claim with Navy Federal Credit Union on XXXX XXXX  They immediately issued a temporary credit in that amount while investigating ( a process that could take up to 90 days ). 

On XXXX XXXX XXXX XXXX charged me a second time for a different amount of {$180.00} for the same transaction. I immediately called Navy Federal Credit Union and filed a dispute, letting them know it was the same transaction and to stop any future charges. The only way to do that was to close down my debit card ( a true hassle ) so I did. I went through the dispute process and did not receive a credit to my account. I was told it could take up to 10 business days. It has far passed that and still no credit. I called back on XXXX and was told they weren't sure why it wasn't there. The " system '' determines if a credit is issued. 

It takes a person to simply look into the fraudulent charge. To date, I am out {$180.00}. It is the holidays and I need this money. In addition, they are now having issues posting transactions. 

They used to be a great company to work with but they are not taking my account seriously. Can someone please help me recover my money and make sure this isn't happening to others?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped by 60 points and equifax can not explain why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
1.XXXX bal . {$120.00}
Product: Checking or savings account

I had a checking and savings account with chase, the relationship ended last year due to fraudulent activities. My debit card was stolen and someone tried to deposit a check into my account in another state that I dont live in. Chase notified me and I went to the branch immediately just for them to turn on me & close my account. I still have money in the account they were supposed to release the remaining funds in a form of a check that would be mail to my address. That was over 4months ago, I still have not received my money out of the account and no one has reached out to me. I call but they give me the run arounds and delay me once more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with a fair credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agencies can not furnished an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes
Product: Credit card or prepaid card

I have a master card with HSBC. A hold was put on my card around XX/XX/18 ; I believe because of increased activity due to holiday shopping. Since XX/XX/18, I have called customer service over 8 times. Each time I have been transferred multiple times and then placed on hold for up to 1.5 hours. I usually have to end call because after 1 to 2 hours I have work or other issues to attend to. I want to close the account because of this poor service but customer service says I can't until fraud department speaks to me. Even " direct number '' has resulted in these transfer loops and excessive hold times.
Product: Debt collection

Have me owing XXXX to an apartment complex where I never lived I never lived there or ever gave anyone permission to use my name to live there. Please provide me with information on this because I will file a police report against this company. And also sue them for putting false information on my credit report which is against the law.
Product: Credit card or prepaid card

Comenity bank and Sony both have XXXX  broken the terms of our credit card agreement and have failed to give the advertised points for purchases made. They also advertise features that have never worked and fail to address the issues I have filed multiple complaints about. I hold physical emails from a comenity employee who confirm that the rewards system does not work properly and that I have not been given the points as advertised, which constitutes broken terms of our credit agreement and makes the debt forfeit by law.
Product: Debt collection

I asked them to verify the debt and they sent me a printout of a paper showing the amount they are saying I owe to the credit bureaus. I asked them to provide information with my signature or something from the original creditor showing that they have the right and authority to collect on this account and they have not. They put the account on my file and then sent me a letter saying they have mad XXXX attempts to contact me. I was willing to pay the debt up until they did not provide the requested documentation and after XXXX contacted the original creditor and they informed me that no such account exists in their file.
Product: Checking or savings account

On XX/XX/24 I had my paycheck directly deposited into my online account with MoneyLion.. It was in the amount of {$1300.00}. On the morning of XX/XX/24 I woke up and was unable to access my account. I called the institution and was advised my account was place on hold for suspected fraudulent activity. I was advised that I would have to submit several documents including a valid state ID, proof of residency, a notarized letter from the third party authorizing the deposit made to my account and a copy of the third partys valid state ID. 
The third party is my employer and I do not have access to their state ID. 
I have submitted what I could ( my ID and proof of address ). 
I received a reply now requesting I send a picture of myself holding my valid state ID with todays date as well as a picture of the third party holding their state ID with todays date.

I dont understand how this is even legal for them to do.

I just want to access my funds, it is my money that they wont allow me access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not followed FCRA 15 U.S. Code 1681g -  Disclosures to consumers. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. XXXX XXXX are in violation under this section. This inaccurate information needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

XXXXXXXX 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: Money transfer, virtual currency, or money service

Certegy is not allowing stores to cash Verified XXXX XXXX XXXX XXXX Money orders by stopping said money orders from being cashed. 
Then when calling their number they want to do back ground check on caller and send reports free XXXX starts requesting ID, Social Security number etc of Caller plus receipt number for issue. 
They are a 3rd party ( phishing ) company posing as a verification processor servicing to many companies Idaho. 
I want them to cease and desist business of all reports against me and other individuals in Idaho. If money orders are good and person cashing is person money order is written to Verifible money Order should not be stopped from being cashed. 
This can cause illegal unnecessary lawsuits against XXXX XXXX which guaranteed XXXX Money Orders. 
For the pain & embarrassment I should receive {>= $1,000,000}. Per occurrence of Certegy action against legal cashing purposes.

Certegy is now formally asked to cease and desist all information gathering when it comes to me cease and desist all reports against my person or family
Product: Debt collection

I soon started to monitor my score and this account came to my attention. I have not used any of this medical services.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : -XXXX XXXXXXXX XXXX -XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit card

Regarding a Target store credit card : We had accidentally entered the wrong information for our bank account for the automatic bill pay function on our Target credit card. This caused two of our payments ( XXXX in XXXX, XXXX in XXXX ) to get returned. We corrected our bank information later in XXXX and paid off the card balance in full, but then after we paid the full balance, Target closed our credit card account without warning and will not reopen it. 
We spoke with a Target Redcard representative named XXXX on XX/XX/2023 between approximately XXXX - XXXX XXXX  ET regarding the issue. She told us Target can not reopen our card, and this will now unfairly affect our credit score due to lowering our total available credit and raising our utilization ratio. We also can not open another Target credit card without it negatively affecting our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling the company, Experian, and was unable to get a person. The automated system was rude, complicated and unhelpful. It froze my credit and hung up on me. I have no reference number. This is not what I was trying to do, and the automated system rapid fire rattled off a very long number which I could not write down and then hung up on me. I was unable to contact a person no matter how hard I tried. I filled a complaint here # XXXX. You sent me an email saying my problem was resolved. In the email, it detailed I could unfreeze my credit with my PIN number. I do not have a PIN number. It said I would receive a corrected credit report. I have not received a corrected credit report. None of the things Experian reported doing were accomplished and my situation has not been improved.
Product: Debt collection

The office of Charles G McCarthy collections agency representative XXXX XXXX has called on numerous occasions advising I owe a debt to XXXX XXXX. I sent a letter of cancellation 30 days notice by mail as advised by contract to the gym but he said if it was not signed for it is not legal. He has threaten me on several occasions with saying it was an attorney. He called my daughters phone and when she called the number back and said she was not me he call her a lair and she advised that she would called the police. I am going to send a certified letter to the company and advised them to stop contacting me. I have the voice mail and taped conversations where he tried to intimidate me on the phone. This I feel is unfair practices on the debt collections agency.