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

Please be advised this is my second attempt to file a complaint. The first complaint experian didn't even read and just put up a standard templete telling me contact them directly and dispute with them. PLEASE BE ADVISED I HAVE DISPUTED DIRECTLY ATTACHED YOU WILL FIND THE LETTERS SENT DIRECTLY TO THEM. FURTHERMORE, I did provide copy of license social security card and copy of a bill. This response has to be illegal by them not even reading my response and just putting anything done to close this case. I demand justice my rights are being violated they should not be allowed to operate this way. I have provided experian copies showing them proof this bureaus collection should not be on my credit. I have contacted the vendor directly and themselves can not validate the collection. I have sent Experian proof of these letters that the vendor can not validate the collection, their response was that vendor came them my name address and social security so it must be true. This way of doing business is illegal they did not obtain any proof other that the vendor giving them my name address and social security. I asked for proof copy of a signed contract and neither experian or the vendor can provide a contract signed by me. Therefore, I am demanding the Experian remove this inaccurate and verifiable collection off my credit. I value my credit and Experian is allowing anyone without verifying to list what ever they want, this is totally illegal and violating rights. I hope this time Experian will take the time to read this complaint and instead of a standard templete telling me to dispute directly. This is illegal I thought this site was for me to file and complaint and actually have it investigated with a proper response from the corportation. We can not allow corporation to do what they want and not follow the proper procedure. Why even have this site to complaint if they can get away without even reading your complaint. I demand justice and have my complaint actually reviewed. I demand this collection bureaus to deleted.
Product: Credit reporting or other personal consumer reports

In accordance with fair reporting act XXXX XXXX XXXX has violated my rights.

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Checking or savings account

I have not had access to my paycheck for about 2 days now because of issues with Capital One. I am very outraged by this because I can not afford to pay any of my bills causing my phone bill, insurance and other things to not get paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously states, I am a victim of identity theft
Product: Credit card or prepaid card

I made a purchase with XXXX an online flight booking system. 

They failed to provide the service as the flight was canceled on their end. Capital One sided with XXXX stating " The merchant info shows there was no error. '' The information I provided is publicly available so there is no way the merchant can show they provided the service I paid for. 

Below is the text I sent to Capital One as justification for the refund. 

-- -- -- -- - Reference number : XXXX As you may understand, standard airline policy disallows the customer to cancel a plane reservation for a refund. This is not the situation here. This situation is that the AIRLINE canceled the flight and failed to provide the service agreed upon via the transaction. Attached you will find the following 5 items : 1 - Your trip confirmation and receipt - this is from XXXX and outlines my itinerary and the reservation dates with flight numbers and dates of travel. The next 4 documents will show that the two flight trip to XXXX was never operated and the flight return from XX/XX/XXXX wasn't either. The final XXXX to Washington flight appears to have operated. 

( Also please reference their note of : " Please note : Your credit card may be billed in multiple charges totaling the final price. All prices are in USD. '' Which explains the {$100.00} discrepancy in the charge. ) Flights were : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX Flight Status_XX/XX/XXXX XXXX Washington XXXX to XXXX XXXX XXXX - XXXX Flight StatusXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flight StatusXXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX Flight Status_ XXXX XXXX XXXX XXXX to Washington XXXX You may confirm the flight history yourself from any website with the public historic flight data yourself. I chose to use : XXXX : XXXX Please consider this as hard evidence that XXXX failed to provide the service that was paid for and that I should receive a full refund as I did not cancel my reservation. 

Thank you for taking the time to review this additional information.
Product: Credit reporting or other personal consumer reports

About XX/XX/ XXXX  shortly after having a loan with XXXX XXXX and XXXX XXXX XXXX I had issues with my payments being applied to my account and credit reporting 30 days late payment status, date opened, date of last activity, and date of last payment which are inaccurate with all 3 credit bureaus. 
Attached it shows how Transunion, XXXX, and XXXX are inconsistent with reported information among each other. I have never been late, and it should read Paid As Agreed/ Never late.
Product: Bank account or service

Back around XXXX, Bank of America ( BOA ) offered " Free For Life Business Checking Accounts '', which I signed up for XXXX for XXXX XXXX XXXX. I have to call BOA every year to get my bank service charge waived for another year. This year when I got charged {$14.00} XX/XX/XXXX, I called BOA as I always do, to get a credit for the {$14.00}. I received a voice message from my local BOA rep that they have waived the {$14.00} for this month only and I will not be able to get this fee waived any longer. What happened to " Free for Life ''??
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my student loans from XXXX were reported again as if they were taken out. This directly caused a significant decrease in my credit score out of the blue. I work so hard to keep a good score and play by the book but these companies make it almost impossible to. I decided to pay my graduate studies out of pocket and not go the loan route but now it is as if it was for nothing since they are reported twice on my accounts. 
- XXXX - XXXX - TransUnion
Product: Consumer Loan

Earlier this month ( XX/XX/XXXX ) I contacted the consumer financial bureau regarding false reporting by drive time to credit bureaus. I stated that I voluntary repoed my vehicle XX/XX/XXXX. I also stated that the company consistently falsely reported this information on certain months. I have not had an account with drive time since XX/XX/XXXX and just this month they just reported a repossession XX/XX/XXXX. this is a violation of federal law as well as the fair credit reporting act.
Product: Money transfer, virtual currency, or money service

I have sent to XXXX XXXX XXXX XXXX XXXXUSD that should have arrived at XXXX XXXX. XXXX Branch, Beneficiary account number XXXX on XX/XX/XXXX, but the money never arrived at the destination. The Trace id of my transfer is XXXX. 
Could you, please, inform me of the whereabouts of my transfer? 
Please mail me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX XXXX : Act # XXXX XXXX XXXX  and XXXX  Act # XXXX XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX XXXX XXXXXXXX XXXX  ( Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX  ) aCT # XXXX 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy 15 U.S.C 1681 SECTION 604 A. 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 conviction 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 reporting agency if person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had an account with XXXX XXXX so when I found out I called them to let them know and to close the account. Now every once in a while I recieve another random inquiry from capital bank so I had to dispute and lock my credit report. However, even though I told them this wasnt my account when I called to have it closed. They are still reporting a balance on a CLOSED AND INCORRECT ACCOUNT It had been over 120 days and I have been constantly sending letters with no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX {$5400.00} XXXX XXXX {$1200.00} XXXX XXXX {$72.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00}
Product: Money transfer, virtual currency, or money service

I received a cashier 's check from the bank lobby of XXXX XXXX on Tuesday, XX/XX/XXXX and deposited it in a lobby ATM at the closest Wells Fargo lobby to my house. The subsequent deposit confirmation said the money would be available the next day on Thursday, XX/XX/XXXX. On Thursday, I received another E-mail from Wells Fargo stating there is a hold on my check and the funds would not be available until Friday, XX/XX/XXXX. Cashier 's checks don't take XXXX calendar days to clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that does not belong to me. this account is identity theft. the account was opened on XX/XX/2022 for the amount of {$2300.00}.
Product: Credit card or prepaid card

2 accounts showed up on my credit report for XXXX XXXX. They opened 2 accounts totaling around {$6000.00} total There were also over 10 hard inquiries because of this. I want them removed ASAP.
Product: Payday loan, title loan, or personal loan

I had set up to buy some furniture. I decided i did not need that anymore and to cancel my order. I was told it was cancel. XXXX XXXX went to pick up the stuff i called and cancel out. I feel she acted as me to get the things i cancel. If they check id. There wouldnt have been a problem but they gave the stuff to the wrong person. After i called and cancel. Someone on there end did not do the job right and reported it to the right people to get this remove for my order. I had called and complain. They allow someone else to use my information to get things from the store. After i cancel out my order. XXXX XXXX had called them and picked up the stuff. She did not have my permission or the store did not have my permission to give anything away i had cancel out. They fail to check id. I never wanted this account open anymore.
Product: Money transfer, virtual currency, or money service

I can not link my account with XXXX. I have been trying for six months.
Product: Payday loan, title loan, personal loan, or advance loan

A company, XXXX  XXXX XXXX, said they would help settle some IRS debt and told me it would start day 1. They told me to use their business partner UCFS- United Consumer Financial Services . I did. This is who this complaint is against. A year later literally nothing done. Always had an excuse as to why. They strung me along to get every monthly payment they could. Yes, XXXX may have received the full amount from the loan I took out with their referred partner, with UCFS -United Consumer Financial Services . I dont know. These 2 companies clearly do this often. I have XXXX paid into them so far. If I dont pay they kill my credit. Which has already begun, dropping my score by over XXXX points already for 1 missed payment. I cant reach either company. They don't respond. They want me to take all the loss and accept it. XXXX XXXX XXXX has gone dark and does not call me back. UCFS same deal. They got paid. My credit is now compromised. I feel XXXX is enough money for services I did not receive. Am I supposed to keep paying for services I did not receive? I lost XXXX regardless and I get a bonus of my credit going from nearly XXXX to under XXXX so far. This is the ultimate scam and they use the credit bureaus to do their dirty work as well. I am really sorry I fell for it. Doesn't seem as though there is any justice here because they have literally perfected their fraud, Or Scam. 
***Both UCFS and XXXX XXXX XXXX should be investigated. They don't blink an eye about XXXX. They accept it as part of their business model to have complaints. They are taking advantage of a very vulnerable population that has no recourse as they are typically are without funds to do anything.
Product: Debt collection

Debt collector refusing to provide account validation information. Debt does not belong to me and collection agency refuses to provide validation info.
Product: Debt collection

I have tried to dispute p [ roviding police report and they keep selling same debt to different collection agencies perpetuating their error and refusing to correct
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX - This is a complaint against the timeshare XXXX. The account mentioned, has appeared in my report multiple times but has already been deleted before but it re-appeared with the same account number, & is reporting negative. I spoke with their people ( I remember XXXX XXXX XXXX who were introduced as representatives of XXXX rather than a salesperson. I was told I am making good financial investment, because the resale value would go up & that I can actually make money from it by renting it out to people thus earning me rental income or once I finished paying them, I could resell it to a higher price. They also said it has some tax benefits. They offered me gifts like a certificate to use for 2 years instead of using credits, which I never got to used because I never got them as promised. I felt pressured and rushed when they told me it's my last chance at the lowest price. I felt I am being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant me the price being offered. They opened a credit card for me, they are the ones who did the entire process, signing the application, they did everything for me without me realizing it. I never even received a copy of the application nor was I informed of the fees. They didn't even allow me to read and fully understand the contract and they never gave me an original copy of the contract or any deed from other contracts. Everything felt rushed, I was even threatened that I only had that day to decide. One more problem was that I wasn't made aware of the cancellation process, They didn't even proactively educated me as to how many days to cancel. XXXX XXXX told me to call her if I wanted to cancel, I've made phone calls to her requesting to cancel, I've left messages but I never got any replies. I was XXXX XXXX XXXX when I dealt with them, and now I am at XXXX, I already have some medical conditions, & having this timeshare just doesn't help someone as old as me, I have limited income because I'm retired, so I'm having financial difficulties meeting my bills, I even lose sleep over the stress caused by this timeshare. This timeshare has been very stressful for me and to make it worse, they're constantly calling me for payments everyday. I've had the worst experience with this timeshare, the pressure used by their representatives, the amount of time it takes, the false promises they told me but most of all the constant manipulation used to control you to force you to buy the timeshare. They won't listen or care about what one is saying to them, will make you feel guilty if you say no or don't sign. I was defrauded and lied to but surely I was taken advantage of due to my age.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested debt validation for account listed on report, I noticed that it's not 100 percent accurate regarding pay history, under the fcra sec 623 all data reporting must be accurate, complete and verifiable. The creditor and Experian have not provided verifiable proof on file used to validate the accuracy of all data reporting which is required by law upon request.
Product: Checking or savings account

This happened XX/XX/scrub>XXXX  agiain someone changed my, phone number, passwords, and pin on my netspend account. On XX/XX/year> someone stolen {$800.00} out of my account and netspend the next day put the money back in becaiuse of someone did that to me which i have a police report on that matter but it is still on going being we need to find out who did that but this might be the same person who on XX/XX/year> changed information on my account incuding my phone number but no money was taken out. They changed the address but netspend would not give me that address so i could give that to the police. Netspend cloed all my accoutn and opened a new one that is heavly securty on it, i was able to get to change my derect depostio for my XXXX  with the new account number. but i still need to find out who is doing this and get this person arrested. I left a meesage to the officer to contact me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights. This account is a complete violation of the no surprise act XXXX Delete immediately. My privacy is protected under HIPPA laws. If you fail to remove litigation will follow. I have a medical bill that an out of network provider is charging me without my prior authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to address the fraudulent accounts that the Credit Bureaus have inaccurately reported on my credit file. In my efforts to rectify this situation, I have researched the necessary steps to remove these false accounts from my credit report. It came to my attention that I must contact the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov to file a report. Additionally, as per the FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate and block any accounts that are listed in an identity theft report I have attached the relevant documents to facilitate the process of rectifying this erroneous information that has been posted on my credit report. Enclosed, you will find the list of accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to promptly block any information in the consumer 's file that the consumer identifies as stemming from fraudulent activity, within four business days of receipt of such information.
Product: Debt collection

savit XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX ( XXXX ) XXXX Claims of non payment but bill was paid under XXXX and XXXX XXXX XXXX XXXX NJ Charity Care Program.