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

I have submitted disputes on these 4 credit card charger-offs on 3 separate occasions and EXPERIAN, XXXX, and XXXX. They still have not resolved the issue. The credit card companies violated FCRA 605B by reporting my personal information to the credit bureaus without my consent. Thus, violating two consumer laws - 15.USC 6801 and 15.USC 6802.

The disputes are these listed below : Account info Account name XXXX XXXX  XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$590.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$250.00} Highest balance {$590.00} Terms - On record until XXXX XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$8000.00} Highest balance {$9700.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$4000.00} Highest balance {$4300.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$5500.00} Highest balance {$6900.00} Terms - On record until XX/XX/XXXX XXXX
Product: Credit card or prepaid card

The reason for my complaint is because a several chase credit cards were opened fraudulently in my name. I was a victim of identity theft and never authorized any cards to be opened in my name with chase bank. I do not have the account numbers but i can provide my SS so the accounts may be found XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card. This account was supposedly closed and charged off almost XXXX  years ago. They haven't reported anything in XXXX  years. It was disputed to have removed. Now since XXXX, XXXX, XXXX Equifax keeps dropping my credit score on numerous occasions XXXX points, and I disputed and it was corrected, then it was dropped another XXXX points again. And in between XXXX points here, XXXX points there, etc they keep telling me XXXX XXXX removed a remark that says account dispute resolved? I went through this with XXXX and XXXX and it's been fixed. But something with Equifax and XXXX XXXX is not right. No one 's score is going to keep dropping like this. I have no late payments and all XXXX of my scores with all XXXX credit beauras were in the XXXX all my cards are in good standings and never late.as stated this has been on my reports for almost 6 years and all of a sudden 6 years later this continues to happen dropping my score by insane numbers every XXXX weeks for no reason? Please help!
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email stating that I had a statement for my Avant card. Given that I had paid this acct in XXXX of XXXX I was not expecting to have a balance. Upon logging in I see that there is a charge for XXXX XXXX XXXX for the amount of XXXX made on XX/XX/XXXX. I immediately call customer service to report this. I was told that they would forward the information to the frauds department and issue a new card. On Tuesday XX/XX/XXXX I call just to check on the status as I have not seen any type of credit issued to acct to cover charge pending the conclusion of the investigation. I had to call multiple times as the agents would hang up on me. When I finally got ahold of someone they said I would need to make the minimum payment pending the investigation and that my acct would later be credited. But that makes no sense. If my acct would be at XXXX  how would they credit another XXXX dlls to it? I asked to speak to a supervisor. I was hung up again. When I called again I was told that I would need to be added to a wait list as the call waiting times were long. Next day I received an email where I was information that a supervisor tried to contact me. I immediately replied saying that no such thing had happened. Received another email stating I was placed again on the callback list. Today we are on XX/XX/XXXX XXXX central time and I have yet to receive any callback to find a resolution to this issue. This horrible company needs to be investigated.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX account number # XXXX. XXXX XXXX account number : XXXX XXXX  account number XXXX. XXXX XXXX XXXX XXXX  account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX, XXXX. account number # XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

i dont know who is capio partners llc is or have ever done business with them .... i do not know who they are and how they got my info
Product: Debt collection

Hi I paid this debt off over a year ago and they updated the balance as XXXX however they never removed the debt and they continue to report a XXXX bal debt
Product: Credit reporting

I have XXXX private loan with XXXX # XXXX accounts on my Equifax credit report that were written off and charged off and the statue of Limitation are coming up for these loans and I have requested for them to be removed however no action has been taking.
Product: Credit card

American Express customer service representatives failed to resolve a simple issue even after 6+ hours on the phone, and talking with 10 individuals. Each call lasted 1-1.5 hours with an average of 4 individuals, with each call claiming to have resolved the issue. They would place me on hold and leave me with a new customer service representative with no warning, transfer me to departments that were unrelated to the issue at hand, and would place me on hold for 20-30 mins without warning. I 'm not an angry person, I did not yell or otherwise get verbally short with the representatives ; rather, it was clear they did n't want to manage my request ( re-issuing a billing statement ). Not only was American Express difficult to reach, they were incapable of quickly and responsibly addressing my concerns. To date, it is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, PA XXXX PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else be o g to XXXX o we XXXX ope XXXX XXXX t out y pe ss o. 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 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 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 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 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 XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am filing this complaint on behalf of my client XXXX XXXX XXXX. On or around XXXX XXXX, 2013, I paid {$610000.00} to satisfy my client 's loan in a short sale. The funds were sent to Ocwen via a wire transfer on the same day. To date a mortgage satisfaction has not been recorded against the property and Ocwen continues to report the loan as being late. New York law requires that a satisfaction be submitted for recording within 30 days of the receipt of the payment. 

Upon discovering that this mortgage remained open, I contacted Ocwen. I spoke with a XXXX who advised that the satisfaction was sent to XXXX XXXX XXXX Florida for recording. Upon expressing my dismay upon learning that the document for a New York property was incorrectly sent to a Florida XXXX, I was transferred to XXXX ( id number XXXX ) who stated that he was an escalation manager. XXXX then proceeded to tell me that the document was indeed sent to the correct XXXX in New York for recording. 

Upon hearing this I requested a copy of the document and was told that it would take 24-48 business hours to send me a copy of the Satisfaction via email. This has not been the first time that Ocwen has failed to properly record and to properly report on a borrowers credit report. 

My client has been irreparable damaged as a result of their sloppy business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report from XXXX XXXX XXXX stating a checking account was opened in my name on XX/XX/2017 at XXXX XXXX XXXX  XXXX account number XXXX. Someone opened this account in my name, the account was open for one month before being closed by the bank for a fraudulent fund transfers and also listed the account was paid out to an address which is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX denied Deferment due to deferment time already being used in previous 3 years when applied. 

XXXX issued a letter to me stating " deferment denied '', reference Navient letter dated XX/XX/2019 # XXXX XXXX XXXX XXXX, which I posted to ALL three credit bureaus to requested they correct their documents for my credit report. 

XXXX also in parallel issued a deferment of accounts to all three credit bureaus, which resulted in a 53 point drop in my credit scores, while issuing a denial letter to me. 

To be clear, I do NOT have a deferment with XXXX, it was denied, but reported to the three credit bureaus, resulting in a 53 point drop in my credit scores. 

I requested to XXXX to correct their records between the credit bureaus and Navient, they refused. 

I requested Experian, XXXX  and XXXX   correct my credit with the denial letter from XXXX. 

Experian has refused to correct my credit score with the certified letter from XXXX stating that the deferment was denied, and notes my accounts as deferment granted, which is incorrect for the deferment was denied. 

XXXX has corrected my score with the XXXX   letter presented to them, and raised my score 53 points after incorrectly reducing my score as described above. 

XXXX  has not responded to date.
Product: Credit card

synchrony bank froze all of my accounts that I had with them and shut off access to the accounts causing late fees. When all was said and done they closed 12 accounts that I had been using and paying on without ever being late once. They say they sent a letter that I did receive stating I needed to sign a tax release form which I did and sent back. They then closed my accounts because they could not verify my identity or finances. I am a XXXX veteran and do not pay taxes as it is not required for me to do so. I sent them a statement from the VA stating how much I get paid a month and at rate of XXXX but this is n't good enough coming from the VA I guess. How can they close my accounts that I use for everything for the month then pay then back down and use again. Now they are charging fees and raising the payments causing my credit report to suffer. I have dropped over 80 points on my credit report since they closed my accounts and think they should have to pay for their stupidity.
Product: Credit card

I've never faltered in my commitment to timely payments. The impact of this error on my XXXX well-being is significant, affecting my XXXX and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Product: Debt collection

This below debt collector has this information on my credit report. XXXX contacted them and of course they will said what they have is accurate. But I never opened a XXXX XXXX account for {$5200.00} in 2018. I never had a Visa card from XXXX XXXX.

The debt collector wants a police report. All the information I have is what they put on my credit report. I do not have the full account number or when this started other than they have it was opened in 2018. I would not open a XXXX XXXX account with XXXX XXXX at my Michigan address. They ignore this information. I have a Master Card with XXXX XXXX only and it is not a Michigan address.

LVNV FUNDING LLC Account XXXX {$5200.00} late payment since 2018.
Product: Credit reporting or other personal consumer reports

LexisNexis claims the are unable to fulling authenticate my identity use of federal account number ending in XXXXas a personal indentifier to my detriment
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 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> 1

5 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 card or prepaid card

I contacted Macys customer service on XX/XX/XXXX when I attempted to place an order using my card but it was was declined. Customer Service advised the account was closed on XX/XX/XXXX per customer request. I advised I did not authorize the account closure. When my pay down check for $ XXXX + was mailed in XX/XX/2022 a letter accompanied the check. If I wanted the account closed, I would have needed to sign in a certain section of the letter to authorize the closure and I DID NOT SIGN therefore the account was to remain open and active. Customer Service stated I could reapply for a new account but I advised my account should not have been closed. Customer Service stated they could not view the letter and needed to open a case for review. It would take 10-days for a response. I have been a long time platinum customer and felt this review delay was ridiculous since Macys incorrectly closed my account in error without my signed authorization.
Product: Credit reporting or other personal consumer reports

I cancelled XXXX they didnt cancel it then they reported it late and after fighting with them I gave up and paid it off in XXXX of 2024 I challenged it and stated that. 
then they came back and said it was correct however other items not related to my dispute changed so I looked to see what changed and they then reported it as in collections in XXXX and XXXX of 2024. I am sick of dealing with experian from my experience they dont investigate and report XXXX that doesnt even make sense. 

Now it is hurting my credit stating its a new derogatory remark on my credit. 
I have had nothing but terrible experience with them from 15 minute investigations on a Saturday to fraudulent reporting that on the face is wrong
Product: Debt collection

Dear sir or madam, I just recently paid off a to the collection XXXX agency which is sold by XXXX XXXX creditor. We both agree that the once its paid off that this would be off my credit. XXXX agreeded and is off of my credit on Experian, but if XXXX has sold my debt to XXXX then they should be on my credit as well because its paid off and account is mark satisfied. I request that all the 3 credit beureaus delete XXXX from my credit file. 

Thank you
Product: Money transfer, virtual currency, or money service

Hi This complaint is about COINBASE who are holding {$2900.00} of my money and refusing to credit my account with amount. I have requested several times for its return through creating a new transaction to return it from whence it came, the only response being an automated negative rebuff, although it does state they have my transaction. 

On the XXXX20 I sent the money to coinbase AFTER THEY GAVE ME A TRANSACTION ADDRESS to receive the money. I have checked this address and it is correct. 

I have contacted organizations who specialise in these matters and are able to assist coinbase to create new transactions to return monies owed, but state that although coinbase are able to help they are refusing with feeble excuses. 
Coinbase are able to help as they hold the key address. 

I have checked on line and there are many complaints of the same problem and coinbase are holding hundreds and thousands of Dollars belonging to customers and refusing to return the money. 

If they do not want to deposit the money in customers accounts then they should automatically reject and return the funds. 

Many thanks Mr. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone from XXXX firm over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Product: Checking or savings account

On XX/XX/2020, I ended the day with an available balance of {$1000.00} in my checking account On XX/XX/2020, I made a payment of {$1000.00} to pay my credit card On XX/XX/2020, I was charged a Non-Sufficient Fund fee of {$38.00}. When I called in to inquire about this fee, I was told that a hold was put on my check deposit so even though the display balance was {$1000.00}, my actual balance was only {$500.00}. The agent offered to waive the fee and I accepted. I confirmed that this time my available balance was the full amount {$1000.00} On XX/XX/2020, I tried to re-make the same payment of {$1000.00} to my credit card. I double checked that both my available balance and my posted balance was {$1000.00}. After I made the payment, the balance dropped to XXXX On XX/XX/2020, I was again charged a Non-Sufficient Fund fee of {$38.00}. BBVA seems to engage in deceptive practices of charge NSF fee when not applicable, or purposely hides the true balance of an account so customer would incur NSF fee.