23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Provided is a receipt of payment to CHASE, in branch, to clear the unpaid balance and up to X/X/2017,  Chase has yet to clear the issue with XXXX  XXXX who is inaccurately reporting a debt that has been paid and was promised to be cleared. In XXXX 2017, I went to apply for a checking/savings account with XXXX XXXX in XXXX, FL. They denied my application for a checking stating that CHASE bank reported a balance of delinquency. After sending proof of payment to CHASE to XXXX XXXX, XXXX XXXX, on XXXX, stated a balance was still showing to CHASE. WHO IS GOING TO FIX THIS INACCURATE AND UNFAIR, PREJUDICED REPORTING. I have been discriminated and the banks are communicating inaccurate information as is reporting on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the XXXX equifax and XXXX regarding this and i was told to get an FTC report.
Product: Credit reporting or other personal consumer reports

I have received notice that one of my credit cards has been closed on the bases of a report provided by the company in question. I have sent a certified mail request for such report more than a month ago ; haven't received any response
Product: Credit reporting or other personal consumer reports

I keep noticing that my credit report contains incorrect personal information, which has led to accounts appearing that I have no connection with. I am a victim of identity theft, and my personal information was used fraudulently, resulting in these unauthorized accounts being added to my report. Following the proper steps, I filed a report with the FTC as advised by Equifax and submitted all necessary documentation. Yet, despite my efforts, these fraudulent accounts are still on my report. This is extremely frustrating and is negatively affecting my financial standing. These accounts and data are already deleted by both XXXX and XXXX for being erroneous, unauthorized and fraudulent yet you keep reporting it on my credit, this is a blatant violation of my rights as a consumer.
Product: Debt collection

I had a XXXX XXXX XXXX credit card charge off with the last activity date ofXX/XX/XXXX. Portfolio Recovery Associates, a junk debt collection company purchased this charge off in XXXX and have reaged it to reflect XXXX and XX/XX/XXXX instead ofXX/XX/XXXX. The following is listed on my credit reports : XXXX - Date Assigned (XX/XX/XXXX ) XXXX - Date Assigned (XX/XX/XXXX ) Portfolio attempted to sue me and I got an attorney and the lawsuit was dismissed, however, they continue to list the XXXX reaged account on my credit reports and respond to the credit bureaus that the dispute has been resolved. 

I am requesting that this XXXX reaged Portfolio Recovery Associates collection account that has been reporting on my XXXX and XXXX credit reports since XXXX to be removed/deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Checking or savings account

Capital one has not deposited my money for two days. They arent letting people know when this will be fixed. I have bills due and a child with the XXXX XXXX XXXX. I need my money.
Product: Credit reporting or other personal consumer reports

I applied for a car loan with my XXXX XXXX who pulls a credit report from XXXX. They said they could not pull anything and that it said I have match fraud ID. I contacted XXXX and they said they could not verify my identity. They told me to send my documents and I did. I received a letter from them XX/XX/XXXX saying they could not locate a credit file. I have a credit report with the other credit bureaus. I contacted Wells Fargos credit bureau dispute resolution branch and sent more of my information. so received mail from them XX/XX/XXXX saying one or more of the consumer reporting agencies have determined that there may be a discrepancy on your credit report. XXXX refuses to get me in contact with a supervisor and says it is my banks problem.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally file a complaint against NCB Collections regarding a deeply concerning and distressing matter related to a debt that is fraudulent. I have taken every necessary step to resolve this issue with NCB Collections directly but have faced considerable difficulties in achieving a resolution. I am now turning to your esteemed organization for assistance in addressing this matter promptly. The nature of my complaint revolves around a debt that NCB Collections has been attempting to collect from me. However, this debt is illegitimate and constitutes a case of fraud. I would like to provide a detailed account of the events that have transpired in this regard. Unauthorized Transfer to XXXX XXXX XXXX : To my great surprise and dismay, NCB Collections transferred my debt to XXXX XXXX XXXX without notifying me. This sudden transfer caused confusion and disrupted the process of addressing the issue. Communication with Radius Global Solutions : Following the transfer, I attempted to communicate with XXXX XXXX XXXX in an effort to resolve the matter. However, after extensive communication with XXXX XXXX XXXX I was inexplicably sent back to NCB Collections. This back-and-forth exchange only added to the confusion and frustration. Documentation of Fraudulent Activity : I have taken proactive steps to demonstrate the fraudulent nature of this debt. I filed an affidavit and provided a police report that clearly indicates the fraudulent activity associated with the debt. The car company in question has also been subjected to federal action due to their unethical practices of putting vehicles in individuals ' names without their consent or knowledge. The documents I submitted substantiate these claims, including a signature that is not mine and a lack of my identification on file. Submission of Required Documentation : I have diligently complied with NCB Collections ' requests for documentation, including the affidavit and police report, in an effort to prove the illegitimacy of this debt. However, NCB Collections has failed to take appropriate action and continues to pursue me for a debt that I am not responsible for. I am deeply troubled by NCB Collections ' relentless attempts to coerce me into paying for a debt that is undeniably fraudulent. I have cooperated fully by providing all necessary documentation to substantiate my claims, and it is disheartening that NCB Collections has not acted in accordance with the law and ethical standards. In light of the above circumstances, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against NCB Collections. It is imperative that this fraudulent debt is promptly removed from my credit profile, as it is adversely affecting my financial standing and causing undue stress and hardship. I would like to thank you in advance for your attention to this matter. Your intervention and assistance in resolving this issue will be greatly appreciated. I am open to providing any additional information or documentation that may be required to expedite the resolution process
Product: Checking or savings account

My accounts are held with Suncoast federal credit union. One of my personal accounts has been charged off and because of this have a restricted my XXXX accounts. I can't gain access to my funds either by debit cards withdrawals at the teller and or transfer in or out. This is against regulations to restrict my XXXX. They are treating them as though they are just regular accounts and they are not. Per regulations they are not allowed to offset from my trust nor restrict it due to personal account that has been charged off. I have called, emailed and went inside the branch numerous time and not one person understand what a trust is. I am seeking help to get my accounts un restricted so that I can use them. I am only speaking to have my XXXX  accounts not restricted and this includes my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs to provide proof of validation on cfpb website. Eye do not want the Financial institutions to send me letters in the mail addressed to an all capital name which isnt me but a person which is a corporation. Since XXXX replies on this website they should provide proof on this website of how a fictitious debt was verified especially when XXXX along with Equifax and XXXX had no permission to allow frivolous and fictitious created debts to be reported using the Corporation which means employees of child support agencies and the financial institutions once again compelled the use of the social security, card, name and account number with out written permission, consent or authorization by the holder in due course to do so. Every letter that these financial institutions send in the mail will be used as evidence of identity theft in court and the acting Commissioner and/or the director for Social Security Administration will have to be present. Provide proof that XXXX and XXXX XXXX XXXX which is Child Support Services filled out a Ssa form to compelled the authorized use of the social security number and where the express agreement contract where We all agreed that these employees of private corporations could alter and sell the social security number for profit? If none of these items can be provided than theres mo verification and Eye would like the names of whos committing perjury!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as such, I request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account with XXXX XXXX XXXX XXXX. They said theyre going to repost account settled in full, remove balance, and delete the account from my report. Can someone correct this issue. The account has been settled
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX, there was an option that you could select per each payment plan to turn off auto pay ... .once you did that, you could make a manual payment on the due date. In XX/XX/XXXX, I noticed that the option to turn off auto pay no longer existed. I reached out to customer service on XX/XX/XXXX. The chat is attached in the file section of this complaint, but I will restate the sum of the conversation here. 

I requested to turn off auto pay through customer service since there wasn't a consumer facing option to do so. The representative whose name is XXXX XXXX, gave me XXXX step directions to do so, however, there still was not an option to turn off auto pay despite customer service directions, so I continued to ask for help. 

First, the representative claimed that I couldn't turn it off because I had an upcoming payment ( that doesn't make sense, you should always be able to turn off auto pay unless the payment is already processing which in case it was not. I contacted them before the due date of my payment so there was no payment processing ). 

Then, I asked the representative to turn it off from their end, and I was informed that they could not turn it off either. 

Secondly, the representative claimed that it was a technical issue and suggested uninstalling and reinstalling the application on my mobile device and to wait XXXX hours. I had already tried that option before contacting customer service, so I continued to ask for another resolution. 

The representative told me that I would be able to turn off auto pay for later dated due dates, but the option is not available for any plan regardless of the due date. 

I reached out the next day to chat again with another representative, " XXXX '', who suggested removing the card, but even they were unable to do so without adding another card simultaneously. There was again no option to remove auto pay. I have attached those screenshots to the file as well. 

Both chats were disconnected even though I was still active in the chat. Klarna representatives have previously disconnected me from other chats discussing the same matter. 

The Electronic Fund Transfer Act ( EFTA ) enforced by the Consumer Financial Protection Bureau ( CFPB ) provides consumers the right to cancel automatic payments at any time by notifying the company. Additionally, it is illegal for companies to make it unreasonably difficult for you to cancel autopay or withdraw authorization for recurring payments. 

Klarna is violating this law by removing the option for consumers to cancel automatic payments AND by making it extremely difficult to receive help from a representative since they themselves are telling me they can not do anything. They removed the button next to payment plans, where you previously could have clicked to turn off autopay. Now, I have to chat with a representative in an attempt to get help. The wait times I experienced were over XXXX minutes and the response times were not immediate either.
Product: Credit reporting or other personal consumer reports

Called on XX/XX/year>. 
Unable to submit a dispute online related to identity theft and XXXX. 
I have had no business with XXXX XXXX for XXXX XXXX Several years ago identity theft was first notice and immediately remove a false collection by XXXX. An XXXX XXXX individual has been continuing to commit identity theft towards me and Experian wont allow me to submit a dispute online. When I attempt to resolve on phone I am repeatedly transfered. Experian has been allowing soft queries without my permission to an individual attempting to XXXX. Experian agent excused this and claimed the weird soft queries is the fraud department. 

Increased XXXX XXXX  occured when this collection started. The company keeps changing their name to commit identity theft towards me. The point that this company keeps changing their name should be a red flag for Experian. This company also sent me XXXX XXXX in the mail. My phone and computer were also hacked when identity theft occured. 
Please have Experian properly investigate remove this item and protect my privacy from XXXX. 
They also need to hire better staff the last person I spoke to called me " XXXX XXXX when I am a XXXX.
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX - XXXX late payments wrongly reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX late payment wrongly reported XXXXXXXX XXXX XXXX XXXXXXXX remove whole account or update every late payment XXXX XXXX  XXXX XXXX and XXXX of XX/XX/XXXXlate payments wrongly reported XXXX XXXX XXXX XXXX, XXXX of XX/XX/XXXXlate payment wrongly reported -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX  XXXX XXXX XXXX late payments wrongly reported XXXX XXXX  XXXX XXXX XXXX late payment wrongly reported XXXX XXXX  XXXX XXXX remove whole account XXXX XXXX XXXX XXXXXXXX XXXX XXXX remove whole account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( TRANSUNION ) XXXX XXXX XXXX late payments wrongly reported XXXX XXXX XXXX XXXX late payment wrongly reported XXXX XXXX  XXXX remove whole account or update all late payments 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Navient Student loan lender has applied late fees to loans while I was in school or while my loans were in forbearance. I have reached out to Navient to fix the loans that it applies to but they only gave me the run around. They have also added more interest then what they should have I had a {$3.00} or XXXX XXXX dollar loan that is now over {$10.00} XXXX dollars. The {$10.00} XXXX dollar amount shows that it was transferred to aidvantage on XX/XX/XXXX but was with Navient a few years back at {$3.00} or {$4.00} XXXX at the time. I asked about this and Navient could not explain either situation. Navient over the years has always added more then just interest and will not fix it. Also to note that {$10.00} XXXX dollar amount that started off lower than that was from XXXX and which is over the amount of time to collect. They put it as if it was a new debt and it is not. They have done several amounts like this that was well over the collection time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items do not belong to me and I am asking that they are removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX