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

On XXXX I mailed an Identity Report stating I have been a victim of Identity Thief. They reply back as if I was filing a dispute and did not fellow the rules that apply when reporting Identity Thief. And did nothing about it.
Product: Checking or savings account

Capital one has been holding my ppp loan funds frozen for 7 months. I previously filed 2 complaints regarding the same issue but capital one never did what they said in their last 2 responses. In the last response they said they would be returning the funds to XXXX the lender i received the loans from, before XX/XX/2021 BUT NEVER DID. Actually they closed my account but the funds in the account of the XXXX loans total of approximately {$70000.00} were never sent back to XXXX nor they given me the funds. So Capital closed my account and {$70000.00} disappeared illegally. So capital one Closed my account with a {$70000.00} balance, withdrew the funds and kept the them. They also claim they cant tell me where did the money go. I contacted XXXX who sent capital one an indemnity form after Capital one requested that, including all information for the return of the funds BUT CAPITAL STILL HOLDS And UTILIZE MY FUNDS TO THEIR OWN UNETHICAL GAIN AND BENEFIT. So i would like to know where are my funds and why they weren't sent BACK already?
Product: Debt collection

Good evening CFPB team ; Today Im complaining about this creditor : Eastern Account System XXXX XXXX XXXX XXXX 
XXXX, CT XXXX Phone : XXXX I wasnt aware of the debt until it was reported in my credit report few months ago. 

I quickly write a letter to apologize and returned equipments to the original creditor. 

Then I made an offer of {$200.00} to settle for the debt l was expecting them to return the check in case they didnt agree with the amount of settlement but they ended up cashing out the check and then keep reporting the remaining balance in my credit report. 

Plus they keep reporting different addresses to contact them we are dealing with two addresses and I dont which is correct. 

Here is the other address : XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Bank account or service

I opened a custodial account at Chase in 2010. The account is for the benefit of my adult son who receives Veterans Administration and Social Security Benefits payments. My son is a XXXX of the United State XXXX XXXX. I am by written agreement the VA Federal XXXX and I am the XXXX Representative Payee. I have had use of the Debit card associated with the custodial account since the account opened. THE PROBLEM IS THAT : Chase terminated the debit card, effectively restricting access to the beneficiaries funds. I can not pay his cell phone online. His gym membership, which is paid through the debit card will not be paid. I now only have access to pay his bills by paper check, money order, cashiers check, ACH or cash. I can not use cash as the paper trail is lost. In today 's world checks are not adequate to pay online transactions or accepted at many institutions. Therefore many areas of commerce are not available for me to utilize to provide for my son 's financial needs. I have approached Chase up through their Executive Office and I have been denied the debit card. Again this is the debit card that I have been using for four years. I am the authorized user of this custodial account, my son has no access to the custodial account. I transact the financial business for my son. Chase holds his funds and by denying the debit card Chase is denying access to my son 's funds that are necessary to take care of his financial needs.
Product: Credit card or prepaid card

I opened up a dispute with this company and they sent you a letter back for me and I called the fraud dept and spoke with a nice lady and she transferred me over to a very rude not helpful man who refused to help me and told me that even though they have me in the system under a different address and other different information, they can not help me because the address is not the address they have on file. I explained to him that the letter ( attached on this complaint ) has my real address and I have NEVER lived anywhere else besides XXXX XXXX XXXX for the last 11 years and before that I lived at XXXX XXXX XXXX and he still refused to assist me. I asked for a signature stating that I authorized this credit card. I am totally confused and feel totally disrespected. The point is it is totally takiing a toll on my life and credit. I am XXXX XXXX XXXX and want to move into a retirement home and I promise I have never been late for anything or not paid on a bill that is truly mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed an from XXXX XXXX   BAL {$1800.00}, XXXX XXXX {$54.00}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. They failed to do there job, which is causing severe damage to my character and my life. Ive sent them multiples of letters and they failed to do their investigation. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Product: Credit card or prepaid card

On XX/XX/2020 I went to XXXX XXXX XXXX which is located in XXXX  XXXX, Indiana and use the atm to withdraw {$200.00} out. I must have not taken my money out fast enough and the atm retracted the money back inside. I got lost prevention to check on the atm which they all insisted i didnt receive my cash and to consult with my bank and the charge would in fact be reimbursed to my account. I then proceeded to use another atm while they watched this time as i was able to finally withdraw {$200.00}. Each time i used the atm my account was deducted from my balance. American Express Serve is my bank. On XX/XX/2020 I disputed the transaction and was denied my claim.I was charged a total of {$400.00} and only received {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017  at  XXXX    XXXX   XXXX   central time, I sent a multiple inquiry removal letter via fa x to Trans Union to  dispute information,  XXXX  hard inquiries, that was being reported on my report. TransUnion received the letter  XXXX   XXXX     2017  and they completed the request  XXXX   XXXX ,  2  017, ONE DAY LATER! I submitted a request to investigate   XXXX   hard inquiries that were n't factual and I received the same response for all   XXXX   Inquiries, which was, " inquiries are a factual record of file access. If you believe it 's unauthorized contact the creditor. '' According to the FCRA Rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE investigated and if you do n't investigate and respond the credit reporting agency, which is TransUnion, must remove the disputed information from it 's files. The fact that TransUnion made a decision A DAY LATER, one can assume that their was no investigation! I will upload the letter that I received from TransUnion, which will show the date they completed the so called investigation, and my dispute letter, cover letter, and the transmission verification report with the fax date.
Product: Credit reporting

Original Complaint - was dismissed through this portal, and no action was taken. 
It is being repeated because, the account is inaccurate. 

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. 

The XXXX XXXX Tradeline 's XXXX XXXX Should be " Closed ''. It currently has XXXX - even though there is a published Close date, The Comments on this account are inaccurate. 
The High Credit, is inaccurate - You display XXXX, and the report shows XXXX. The comment say, XXXX - which is wholly inaccurate. 

Please look at both screen shots from your product. 

XXXX XXXX would have communicated that this account is CLOSED, as it published a Closed date and at the Consumers Request - in the comments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Experian, XXXX had fail to verify accurate information on my credit report I was told today by a supervisor shayeer Decy that XXXX XXXX dont investigate accurate information the Information given to them by the person is actually their truth without thoroughly investigating as a vital role in assembling and evaluating. which is a violation to my right to privacy. I never consent for anything to be reported to my credit profile not to the credit agency or the creditor. You must respect my right to privacy. When does company policy ever trump federal law. Because no consent equal to identity theft. 


Under 15 USC 1682a, you are required to conduct a reasonable investigation within 30 days of receiving a dispute from a consumer. I expect a prompt response and resolution to this matter in accordance with the law.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Checking or savings account

New customer Closed my acct with XXXX and attempted to deposit check at local branch atm Deposit was accepted and I received email receipt ( attached ). 

Two hours later ( after branch is closed for the weekend ) - I received email stating deposit not accepted I call customer service and am told, deposit was accepted and pending. There wont be a hold and funds will post XXXX XX/XX/year>. 

I ask about email I received and then representative states, oh yes it wasnt accepted ut youll need to call XXXX  at XXXXam to learn why. 

So now Im without the $ XXXX, the atm kept the check, and I dont even know what took place??
Product: Debt collection

I have {$3000.00} in that for what exactly I don't know I would like for this to be removed out of my credit report has been affecting me and it's been here since XX/XX/2021 this has been going on for already months and brave month and it's affecting my credit like I said before
Product: Debt collection

I have repeatedly received collections against my credit from these collectors. I always have to contact the credit bureaus and get them to clear out the collection. I have no knowledge of this collection. I would like to stop being harassed by these collectors about something that is not mine. I do n't have any bills from them and I have no information about this. They repeatedly add collections to my account even though I have told them to stop many times. They must stop trying to collect debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Monterey collection services has reported a debt they claim i owe as " new '' to the credit bureau. According to them, the debt I allegedly owe is from XXXX. However Monterey collections is reporting it as delinquent recently as of XXXX, most likely this is when they bought the illegitimate debt. By reporting it to the credit bureaus as " new '' they are violating reporting laws. The statute of limitations is nearly exhausted and it would be dropped from my credit report shortly thereafter. This should be corrected with the credit bureau. This company is already being investigated by agencies who have evidence that their practices are less than legitimate and lawful. I know this to be a fact as the agents have reached out to me directly to take my statement regarding Monterey collections and their unlawful practices. Monterey collections you can't just make up a date you like and report that to the credit bureaus. You must report accurate information by law. This collection agency knows this debt is illigimate therefore they report it as " new '' to buy them time to try to make a person believe they owe it. Not happening Monterey collections. At least report the date of delinquency accurately which according to you is XXXX not XXXX. I will continue to report Monterey collections and call them out until they report accurate information under the law to the credit bureaus. In the meantime I will continue the investigation to gather the evidence that this debt is illigimate to start with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit report they closed this account as faud but have not deleted from credit reports
Product: Credit reporting or other personal consumer reports

Here is inquiries XXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX, address not mind XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX remove is items immediately
Product: Money transfer, virtual currency, or money service

XX/XX/24 XXXX was transferred into my paypal account. I reported it as an unauthorized transaction which opened a case on XX/XX/24. Since then the funds have been held and can not be moved anywhere. The website said I needed to respond to this dispute yet there was no place to respond or upload documents like the email stated i should do. They said I had until XX/XX/24 to respond to the dispute which i never did because there was no way to. I called 2 times on XX/XX/24 and their answering service hung up on me twice. I tried messaging the company through their website but anytime you do that it says they have no one online to talk to, so customer assistance is lacking. I spoke to someone today. I was on the phone for 45 minutes, on hold for at least 35 of those minutes and each time i was told they would look into it further only to tell me that the funds will still be held until the XXXX of XXXX. At which time i will receive an email notifying me of their dispute decision. At which time they will tell me that they feel the transaction was authorized and if I want to return the funds myself they are going to charge me almost XXXX  dollars to send the money back. They did not need to hold this money for 3 weeks to tell me this. I am still unable to do anything with this money and neither is the other party involved.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within XXXX days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Goldman Sachs has provided me with a 1099-C evidencing the {$2700.00} that was cancelled ( attached ). Yet the debt is still reflected on my credit report and file. Since the last report on the XX/XX/XXXX, Goldman Sachs. They will have 3 business days to perform and communicate with all credit reporting companies and bureaus. 

Please be advised, by filing these 1099s, 1098, etc will be placing me ( a private party ) in a position of a public officer, therefore, in clear violation of 18. USC 912. Just know that I did not consent to this and it is legally impossible, furthermore you can not pursue any legal action in any state court because as a foreign entity, you have no jurisdiction.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure the accuracy and completeness of the information you report. The reported late payment is inaccurate and must be corrected immediately. The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) established that credit reporting agencies must take reasonable steps to ensure the accuracy of the information in consumer reports, including investigating disputes regarding incorrect data. I request that you conduct a thorough investigation into this matter, update my credit report to remove this incorrect information, and provide written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I expect a timely resolution in accordance with FCRA requirements. 

I HAVE BEEN SENDING DISPUTES TO THE CREDIT BUREAUS SINCE XX/XX/XXXX AND NOT ONE TIME HAVE, THEY RESPONDED. ALL THEY DO IS SEND THEM SYSTEM GENERATED LETTERS ABOUT A DISPUTE NOT BEING FROM YOU. WHAT DOES IT MATTER WHO SENT IT. JUST DO YOUR JOB.
Product: Credit reporting or other personal consumer reports

LVNV/RESURGENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear WSFS, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXX XXXXXXXX XXXX XXXX loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from Wilmington Savings Fund Society , FSB, D/B/A CHRISTIANA TRUST not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX. 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX