23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Express Recovery Services is reporting and attempting to collect on a debt that is n't mine. They sent something that showed my signature forged. I 've never done business with this company and I need them to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX. I paid it off in XXXX of 2019 and closed it. After I closed it, XXXX XXXX added a residual charge to it and then recorded delinquency for 30 days late and ultimately 60 days late on a minute balance. 

I disputed this with all three credit bureaus and they left it on the file. 1 ) the FCRA mandates that XXXX XXXX was required to send a notice of delinquency to me prior to putting the lates on my bureaus. They did not. 

2 ) Since I closed this account and had paid it in full, I was NOT LIABLE for additional fees from the subsequent months.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Company erroneously closed my online account without cause or explanation. Company refuses to allow communication with the department which made the decision. During a phone conversation with a XXXX customer service agent on XX/XX/2018 only confirmed that XXXX will never allow me to use the online feature of their money transfer service. Agent told me : " Sir, all I can tell you is that you are never going to be allowed to use XXXX online and there is nothing you can do about it. '' It was at this moment that I asked to be transferred to the " security department '' that apparently made the decision to close my account. Agent told me : " No, and I'm telling you that no matter who you talk to, no one is going to listen to you beg about getting your account back. You are welcome to go in person to a XXXX. '' I asked : " Can I speak to your supervisor please? '' Agent responded : " He or she is just gon na tell you the same thing I just told you. You are NEVER getting your online account back and there is NOTHING you or anyone can do. '' The agent immediately hung up on me.
Product: Credit reporting or other personal consumer reports

XXXX cell phone bill I was a victim of XXXX data breach and information sold on Dark Web.
Product: Credit reporting or other personal consumer reports

There should only be one name and one address on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, Experian Date : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX GA XXXX I am disputing the following account in my credit report. I have been living in XXXX since XXXX and the Account information that you have on record for the following accounts needs to be removed because these account do not belong to me. These accounts are identity theft XXXX XXXXXXXX XXXX  : Reason- this account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Neither Account is mine XXXX XXXX XXXX XXXX of these accounts are mine The Public Records section of my credit report needs to be cleaned up as well. Please remove the following addresses on my Credit Profile XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX, OK XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX NY XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeApartment complex XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeSingle family My date XXXX XXXX XXXX XXXX Thank XXXX XXXX
Product: Credit card or prepaid card

Im the victim of fraud. I contacted Capital One multiple times over multiple months and worked with their internal fraud department to resolve this issue. I provided them charge information that was inaccurate and dates. As well as emails showing my account was hacked and paymetns had been made on my behalf. 

They informed me that there was nothing else they could do.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

The Capital One representatives claim they gave me {$560.00} to cover my debits and to make sure I had access to the full amount of {$1400.00}. stimulus on XX/XX/2021. That is incorrect. Capital One has never given any credit to make any of my deposits whole. According to the manager XXXX XXXX ( who refused to give his last name ) the false claim of credit Will be debited from my account on XX/XX/2021. The statement, letter and the description given to me by the initial representative XXXX and the manager XXXX is false, unproven,,,, negligent and predatory and incorrect. I need assistance to stoo this action and the predatory behavior by this national financial institution.
Product: Debt collection

Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Intervention and Issuance of Form 1099-C by LVNV Funding LLC Dear CFPB, I am writing to lodge a formal complaint against LVNV Funding LLC for their ongoing failure to provide a 1099-C for a charged-off debt and for not adhering to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Account Details : Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Charge-Off Amount : {$6300.00} Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Current Status : Collection/Charge-off Background : Despite my diligent efforts to resolve this matter lawfully, LVNV Funding has consistently failed to provide the necessary documentation or proof of debt as requested. This includes their inability to supply a 1099-C form for the charged-off debt, which is essential for proper financial documentation and tax reporting. The absence of this form not only complicates my financial obligations but also raises concerns about their adherence to legal and ethical debt collection and reporting standards. 

Issues Encountered : Failure to Provide 1099-C : LVNV Funding has not issued a 1099-C for the charged-off debt, complicating my ability to accurately file taxes and manage my financial responsibilities. 

Inaccurate Reporting : The account continues to be reported on my credit files without proper validation and with significant discrepancies in payment history and monthly reporting. 

Lack of Compliance with FDCPA : Repeated requests for debt validation have been ignored or inadequately responded to, in direct violation of the FDCPA. 

Potential Fraudulent Reporting : The persistence of LVNV Funding in not providing necessary documentation upon request suggests a disregard for legal obligations, potentially qualifying as a fraudulent activity under federal law. 

Conclusion : This complaint serves as a formal request for the CFPB 's immediate intervention to ensure that my consumer rights are not continuously infringed upon. Failure to address these concerns satisfactorily will compel me to seek further legal advice and possibly initiate legal action for damages incurred due to these violations, including slander, defamation, mental anguish, and stress. 

I am prepared to take all necessary steps to defend my rights and ensure compliance with federal regulations, and I urge the CFPB to assist in resolving this matter expediently. 

Thank you for your attention to this urgent matter.
Product: Debt collection

It appears that XXXX XXXX, XXXX is still at the same tactics once again. This whole issue all starts from a disgruntled employee. XXXX never paid me for the work I provided back in XX/XX/XXXX. I stopped working for XXXX in XX/XX/XXXX when the settlement payment was inaccurate. As stated with plenty of XXXX XXXX  that they needed to get this issue fix in a timely matter to continue driving for this company. 

They didn't get it fixed and sent me a bill in XX/XX/XXXX for attending a XXXX XXXX I never attended a XXXX  school for a XXXX. I had a XXXX since XXXX, which XXXX. After numerous complaints and issues, they said the situation was handled. Now I have a collection bill from XXXX, I am assuming from XX/XX/XXXX in the amount of XXXX in which I never received a notice. Again, I do not owe XXXX XXXX any money for anything. I know for a fact they didn't pay for my services and owe me over {$2500.00}, including hotel reimbursements, fuel, and training students. 

What XXXX XXXX does, is bait and switch. The pay rate and fuel surcharge is quoted as one thing. When you get the settlement statement, they split the total amount of miles, instead and calculated the total revenue rate of 70 %. But they make sure they have all there expenses calculated included the XXXX  training fee with the accurate miles. 

I want to see a reoncilation statement of me oweing this amount when I didn't even work for this company. Most likely again due to this company unethical behavior they are probably associated with me with another driver. 

I want this collection report removed from my credit reports as well as to be compensated for this issue. If they want money from me and to add this to a collection account. Then they need to pay me for the amount of money that I never received in XX/XX/XXXX. 

In addition, how is this even on my personal credit report when the contract and is associated with my business name and business EIN,  nothing should be attached to my personal credit report per the XXXX Contract agreement as I am XXXX XXXX XXXX  under XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope you straight XXXX XXXX to let you know I dispute this debt under the Fair Debt Collection Practices Act Dont need no extra proof or paperwork just wan na make sure you know I dont agree with it If you need to reach me do it by email only Monday to Friday XXXX to XXXX east coast time Any other way like callin leavin voicemails or sendin mail through XXXX XXXX or XXXX is a hassle for me Thanks for understandin
Product: Credit reporting or other personal consumer reports

The following inaccuracies on my credit report are incorrect and must be removed as they do not belong to me and may cause confusion or misrepresentation of my personal information. Inaccurate name variation, XXXX XXXX. The incorrect address variation, XXXX XXXX XXXX XXXX XXXX NJ XXXX. My current employer is XXXX XXXX XXXX XXXX, remove other variation of my employer. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c, consumer reporting agencies are required to ensure the accuracy of the information in their reports. Failure to correct inaccurate information is a violation of federal law. I request that my credit report be updated to include only accurate and verified information. Lastly, I encourage a review of my credit report for any other inaccuracies to ensure its accuracy and integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXXs account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, Dept of EducationXXXX account number XXXX and XXXX, XXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX and XXXX, and XXXX XXXXXXXX account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Synchrony Bank administers Belk Store Credit Cards. Their online payment site and all of their statements claim the due date is the XXXX of the month. I had sometimes paid on the XXXX or the XXXX of the month which resulted in receiving a late payment fee, even though the date I paid was on or before the stated due date. When I raised this issue with the XXXX, I recived a condescending letter stating that I should always make my payment 2 days before the due date to avoid late payment charges. 
This seems misleading and abusive. If the bank wants to move its due date for payment earlier in the month, it should be transparent about it and send out a notice. 
XXXX recently " aligned '' its billing across company divisions which resulted in the due date for my phone bill coming 5 days earlier in the month. If a large company like that can successfully communicate such a change to their customers, why would a regional retail store refuse to acknowledge that they wish to have payment 2 days earlier each month? Of course, if they continue to charge any customer who fails to authorize payment ( bank draft ) more than 2 days before the stated due date, a late fee, they can increase their income. This is an unfair and abusive practice that is likely to affect many of Belk store 's customers. 
If possible I would like a refund of all late fees for payments made on or before the stated due date ( XXXX of the month ) but failed to clear to the satisfaction of the bank. 
It seems to me that any consumer should be able to plan and rely on the stated due dates in making payments. It is not fair to create a due date that does not reflect the actual date by which the payment must be " received '' or " cleared '' to avoid late fees. 
If a customer presents a check at a point of sale, it may take several days to clear their bank. Would it make sense to dun such a customer for a late fee because of the time it takes the banking system to complete a transaction? 
My accounting training is clear that transactions are recorded on the date they are completed. Revenue is recognized on the date of the transaction, not the actual date the bank releases funds. In the same way Invoices are handled based on the date they were issued not some later date on which the invoice happens to arrive at the customer 's A/P department.
Product: Other financial service

I spoke with XXXX at Lexington Law, I asked for a refund because the work was not completed. I paid before any work was done. I also was not told that I can do this work on my own and dispute on my own.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Bank account or service

Dear CFPB officer, I found out on XXXX/XXXX/2016 that my Citibnk account was closed before receiving any notification. I called Citibank customer service and they can not give any specific reason of closure of the account except for stating my account is not in compliance with their policies. 

I have all my daily online banking and payment activities set up through this account and it is really a big shock to me that Citibank can stop their service like that. I was informed that my account was closed on XXXX/XXXX/2016 and the remaining balance of XXXX+ dollars will be mail to me as check format in 4-7 business days, which I would think is illegal possession of my fund. More ironically, I was charged a XXXX service fee and my account balance as of XXXX/XXXX/2016 is -XXXX and I need to go to the local brunches to make the payment. 

Even though, as per Citibank 's customer service, they have the right of terminating their services based on their policy, I would not believe they can just pull the plug like that. It feels like pushed out of a restaurant whille eating and pushed out of a hospital while treating. 

At least, I would want to know the specific reason of Citibank closing my account. I need them to waive the XXXX dollar servicing fee as of XX/XX/XXXX and pay me additional interest for possessing my fund from the time my account was closed to the time I receive the refund check. 

Thank you very much and your help is highly appreciated. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hold a XXXX XXXX XXXX On my employment history, XXXX XXXX keeps showing up but Ive never worked for XXXX. 
Also. XXXX XXXX XXXX XXXX XXXX, has sent me an email stating my XXXX school info/XXXXproof is missing. I attended school in XXXX. I have my XXXX But HireRight is not listing this information on my report. 
HireRight is posting incorrect information on my XXXX XXXX. Thus causing me to miss great opportunities for work.
Product: Debt collection

Portfolio Recovery Associates has been pulling my credit report every 2 days for the past year and a half. I have never given them permission to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date- XX/XX/2016I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.