23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX  credit card through Synchrony bank and the credit card never arrived. I called Synchrony and they said they'll send a new card. Now it looks like Synchrony has opened a second account, without my permission, which has damaged my credit score instead of just issuing the credit card from the first account that they failed to deliver me my credit card.
Product: Debt collection

A complaint was filed by me against  Eastern Management Group  on  XXXX / XXXX /  XXXX  , which was received by the company, investigated, substantiated, and resolution is noted by the company. The employee had been terminated as part of resolution, and a cease and desist was in place as of  XXXX / XXXX /  XXXX  , per "  XXXX  '' at  Eastern Management Group o n  XXXX / XXXX /  XXXX  , as I had to call them after they contacted my mother about this matter, see the documents provided, on  XXXX / XXXX /  XXXX   around noon AFTER a cease and desist had been noted on the file on  XXXX / XXXX /  XXXX  . The employee at  XXXX   XXXX   XXXX  validated for me, on a recorded line, that this should NOT have happened, and all contact should have ceased on  XXXX / XXXX /  XXXX  .
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated 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, credit repair services, or other personal consumer reports

Two capital one accounts are reporting fraudulently to my credit reports. This is due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has an address associated with my account the I dont live and has never lived. 
XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I filed a complaint with the CFPB against Experian for failure to comply with the FCRA which they claim they follow to protect consumers ' information. The claim I filed was for fraud for an account the XXXX XXXX was reporting that was mine. I sent in all of the necessary documents to show proof that I did everything required to get this information suppressed, but there was a failure on Experian because they never suppressed the information like they were supposed to. 

In accordance with the FCRA 605B ( 15 USC 1681 c-2 ) Block of information resulting from Identity Theft. Within 4 days of receipt of this information, they were supposed to block the reporting of the information and do a thorough investigation which was not done. I received feedback from Experian that they contacted the data furnisher and asked if the information was accurate without investigating all of the documents I provided. Because they did not do this it was an immediate violation of the FCRA.

Their failure resulted in them not following FCRA 616 ( 15 USC 1681n ) Civil liability for willful noncompliance. Under this law, I am to receive any monetary payment for actual damages that occurred because of this. 

It was their failure that resulted in my family not being able to purchase a home because the account from XXXX ( Acct # XXXX ) which should have been removed from my Experian report was the prime cause of me not being able to purchase a home and the result was I had to accept a rental instead which cost more than my schedule mortgage payment was going to be.
Product: Money transfer, virtual currency, or money service

I reopened my PayPal account because that is the only way XXXX allows you to redeem your cash back rewards from your XXXX account. Then XXXX sent an email that the cash reward had been transferred to PayPal but it was not showing in my PayPal account!! It is {$3.00}. I then reached out to PayPal by phone and no one would take my call and kept sending me to automated lines that did not help!! I called them five times and also tried to reach them through email and on my website and got no response or help!! I then requested they delete my account and they did this within two minutes!! They have committed fraud and stolen my {$3.00} cash rewards and are probably doing this to millions of others too!!! I want my money!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX 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

I am writing to inform you that I have been a victim of identity theft. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), you are required to remove any information from my credit report that is a result of this identity theft. Under the FCRA, you are required to block the reporting of the identified fraudulent items from my credit report within four business days of receiving this information. Please send me written confirmation of the actions you have taken to remove the fraudulent information. Additionally, please inform me if there are any further steps I need to take to ensure the erroneous information is completely removed from my credit report. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX/XXXX/201 a XXXX male left a note on my door stating that his name was XXXX and that i needed to contact him about legal documents from XXXX County Court in XXXX TX. I was present at home when this man knocked on my door my security camera sits in my window facing my front door. I was looking through my peep hole of the front door this man had no visible badge or I.D nor was dress attire for XXXX County Court. He noticed the camera and stepped back out of view of it. He left and i called the number provided on the paper and he asked my name and address i answered the question asked him about the notice left. He replied " i have some documents from Persolve legal Group to give you about a collection i for sue. I responded that i haven't received anything via mail from or phone call from XXXX County about Persolve Legal Group suing me. He proceeded to tell me that i need to get the papers from him in a upset manner. I asked him if he was a Officer of the court for XXXX County in XXXX Tx he replied " Yes, The judge sent me to give you these papers '' i asked for his full name, Badge number and what court he worked out of he laughed and said " Thats None Of Your Business " I then told him if he cant properly identify him self as a Officer for XXXX County Courts to not contact me or come to my home and he replied " ill be back ''. I then Contacted XXXX XXXX County Information number told them about the situation. The Clerk transferred to a the XXXX Sheriffs Department and i spoke with a deputy who told me that The Officers Must Identify themselves when asked by a civilian and display a badge or id is worn visibly on any court officer of XXXX County they do not send out Officers to issue documents regarding Debt Collections. He took my name address and phone number and told me that if it happens again to call and to not engage in any further contact with the person and was noted in the system for future reference. This made me weary and is a major concern for my safety. The note on my door didn't bear any XXXX XXXX County Court Trademarks, court number, address, or legal identification. I will upload the note that was attached to my door. I believe this is in regards to a Auto Debt Collection being perused by Persolve , LLC XXXX XXXX XXXX # XXXX XXXX, CA XXXX http : //persolve.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted several disputes about unverified accounts on my credit report theyve sent no proof that the accounts were mine. Ive sent several disputes to XXXX on these accounts and theyve never sent me any proof they were mine. There are also unverified late payments on an account that theyve sent no proof of me ever being late. Theyre in violation of the FCRA. Accounts in question : XXXX XXXX XXXX  ( there are three of them ) Late payments : XXXX XXXX XXXX XXXX. You guys recently said that this dispute was fraudulent so Im providing my photo ID to prevent any further confusion. I will expect a thorough investigation into these matters as there hasnt been a fair process beforehand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. The account is not mine! 
XXXXXXXX XXXX XXXX XXXX  XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number 64510 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 XXXX not furnish an account with my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 my rent in the amount of {$1500.00} was sent to the wrong person using Chase QuickPay in the mobile application. I contacted Chase to cancel the payment which was sent to a XXXX XXXX when it was intended for my landlord, XXXX XXXX. Chase representatives refused to cancel the payment and stated that they could instead file a courtesy claim but that there was no guarantee my money would be returned to me. I informed them that I attempted to contact the person the money was incorrectly sent to ( through text, email, and calls ) but that the person was not responding and will not respond. The person was someone I previously took to court and has been avoiding me since. As a result the incorrect person has my rent for the month, putting my housing at risk and Chase refuses to help retrieve my money.
Product: Debt collection

On XX/XX/2023 I sent a certified letter to Cornerstone Credit Services to validate a debt they claim I have with them. As of today XX/XX/2023 I have not heard anything back from them by mail, phone or email. 
They claim I owe for an internet bill with XXXX in the amount of XXXX. 
This debt has been listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX based out of XXXX, MO pulled my credit report without my authorization. My husband had been working with them on a pre-qualification. I was not involved in any of their previous discussions. 

I did not authorize them to pull my credit report. When I called on XX/XX/XXXX to inquire as to why they did pull my credit several people were conveniently " unavailable '' to talk with me. On XX/XX/XXXX a person named " XXXX '' from the " Production Management Team '' returned a call to discuss inquiry from XX/XX/XXXX. When I was able to speak with XXXX he informed me that my husband had filled out the online application and had given them permission to work toward a pre-qualification. When I contested his authority and my husband 's authority to grant permission to accessing my financial information his response was, " Your husband is allowed to grant us permission because you are legally married and he has that authority. '' Last time I check, this was not XX/XX/XXXX and I have my own rights independent of my husband and I am the only person who can grant anyone else access to my personal, identifiable information such as social security, HIPPA, etc. This includes access to my credit report. 

XXXX XXXX XXXX XXXX XXXX infringed upon my personal rights by accessing my financial information without MY express consent. The fact that I am married has no relevance in them not seeking my permission. I was not in contact with them during any point of my husband 's attempt to pre-qualify for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with Westlake. Someone at the XXXX XXXX store stole my identity and processed a application for credit without my consent. I have never done business with XXXX XXXX nor did I apply for credit on XXXX. In accordance with the law Westlake has a legal obligation to remove this once they were notified that this transaction was fraud. You have copy of the police report verifying that my identity was stolen. Moving forward I am giving Westlake 7 days to remove all inquiries from my credit report or I will file a lawsuit against Westlake. Once you were notified that my credit was being used without my permission you had a legal obligation to remove it. Remove it now or I will see you in court.Your company is violation FCRA and I will not stop until this is handled correctly.
Product: Student loan

My son has both private and Federal Student loans. He did get behind and I ( XXXX XXXX Father ) have been catching him up. Actually I have always made the payments. He was going to take them over and lost his job, so I took them over and will be caught up next month or by first of XXXX 2016. The private loan was cosigned by his Grandmother. She recently passed away. The Grandfather got XXXX and died in XXXX home on Medicaid several months earlier. The feds of course took his pension and Medicare to cover medical bills. They left her with just enough just to live on. Navient is handling the student loans. The private loan is current. Navient has sent a letter to the cosigners son demanding a cosigner or they would request the loan be paid off immediately as if there was a huge estate left. The loan is current and not in default. This is harassing the family and Navient who I just spoke to said they wanted someone else on the loan to ensure loan is paid. The way the payments are distributed the private must get their portion first. Regardless the private loan is current and they are harassing the family and need to be stopped for everyones sake that has a private loan being handled by Navient. Navient stated they sending loan to a " XXXX XXXX XXXX " who ever they are for collection. The loan is current as the documents show! Stop them from harassing the family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Midland Credit ManagementXXXX XXXX  Account XXXX XXXX, 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 an account without my written instructions.
Product: Credit reporting

I got an alert today from XXXX guard about a collections account. 
I logged on to XXXX XXXX to get the information. The company name is XXXX for XXXX Illinois. Address PO Box XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a request for feedback and I was unable to sign in to provide that feedback. In my opinion the Complaints that I have filed with CFPB are being sent to the reporting agencies and the agencies spins the Complaint are offer incorrect information without the proper investigation and provide the same erroneous responses. Again, I request an indept investigation into the issues surrounding my Complaints. Also under the Freedom Of Information Acts I be provided a copy of all the Records and communications that are in my Credit History File. If the CFPB is not genuinely willing to assist with getting to the bottom of the improper behavior by these reporting agencies please provide me with the government agencies who would have oversight of this type of issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unresolved accounts on my credit report with Experian, XXXX, and XXXX. Despite my efforts to resolve these issues, the accounts remain inaccurately reported, and investigations have not been properly conducted. 

On multiple occasions, I contacted the companies associated with these accounts to verify their status. Each company confirmed that the accounts were paid in full and, in some cases, agreed to remove the accounts from my credit report as per their policies. However, despite submitting proof of payment and corresponding directly with these companies, the accounts remain on my credit report, and the bureaus have failed to update or remove them. 

# # # Specific Concerns : 1. **Experian Investigation Issue : ** Experian completed its investigation in less than 24 hours, claiming the accounts were verified, despite the fact that I contacted each creditor directly, and none reported receiving verification requests from Experian. 
- I request that these accounts be reviewed again and removed as they were not properly verified. 

XXXX. XXXX XXXX XXXX XXXX : ** - I contacted XXXX XXXX on XX/XX/XXXX, regarding an account falsely reported as having a co-signer and an outstanding balance. 
- XXXX XXXX confirmed the account was fully paid off in XXXX or XXXX. Despite assurances from a supervisor that the account would be removed, the letter I received only stated the account was paid off, with no indication of removal. 
- This account is negatively impacting my ability to secure loans, and I ask that it be deleted from my report. 

3. **Other Paid Accounts : ** The following accounts were paid in full, with payment confirmations provided, yet they remain inaccurately reported : - XXXX XXXX XXXXXXXX XXXX XXXX, {$51.00}, paid XX/XX/XXXX ) - XXXX XXXX XXXX ( {$500.00} XXXX paid XX/XX/XXXX, Confirmation # XXXX ) - XXXX XXXX XXXX  ( XXXX  XXXX, {$480.00}, paid XX/XX/XXXX ) - XXXX XXXX {$150.00}, paid XX/XX/XXXX ) - XXXX XXXX XXXX ( {$1400.00}, paid XX/XX/XXXX ) - XXXX XXXXXXXX XXXX {$4700.00} balance, {$2500.00} paid XX/XX/XXXX ) - XXXX XXXX XXXX ( {$260.00}, paid XX/XX/XXXX ) - XXXX XXXX accounts, paid XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive tried to contact the following company to remove the below accounts from my credit report, which are reported in laccurately. These accounts are not mine though. Do I have any knowledge of these accounts.They have not responded and or provide approve that how old is that and based on15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies and furnishers of information must investigate disputed information within 30 days. 

These accounts are accounts reporting inaccurately to XXXX  XXXX XXXX XXXX  {$13000.00}, XXXX  XXXX, XXXX  {$840.00}. 

These accounts are reporting inaccurate Transunion XXXX XXXX XXXX  {$13000.00}, XXXX  XXXX, XXXX  {$840.00}, XXXX XXXX XXXX {$66.00}. 

These accounts are reporting innacurate to XXXX XXXX XXXX XXXX  {$13000.00}, XXXX  XXXX, XXXX  {$840.00}, XXXX XXXX XXXX {$66.00}. XXXX XXXX {$2900.00}, XXXX XXXX {$680.00}, XXXX XXXX {$240.00}
Product: Credit card

My previous bill due date was XX/XX/XXXX. I paid the XX/XX/XXXX bill on XX/XX/XXXX ; above the minimum. On XX/XX/XXXX, I paid the bill for the XX/XX/XXXX due date in the amount of {$550.00} ; above the minimum. I received notice that a minimum payment was due again on XX/XX/XXXX or late payment fee would be assessed. I contacted Capital One and spoke with two different customer service representatives, one spoke with a supervisor. Capital One said the payment that was made on XX/XX/XXXX posted to the previous bill that was due on XX/XX/XXXX and that is why I'm receiving notice of a payment due. They instructed that I need to pay at least the minimum payment or a fee would added for late payment. I asked if I made a payment 3 days after the due date would I still receive a late payment fee. They replied I would still receive a late payment fee. The did not disclose that any payment made after the due date would be applied to previous bill, nor would they allow the payment to be 3 days late without a fee. All of my payments have been early and above the minimum due, but I am being punished for paying early. I have since closed my account.
Product: Credit card or prepaid card

A prepaid MasterCard was purchased at a XXXX XXXX on XX/XX/2015 for {$25.00}. I have receipt from XXXX XXXX. It was accidentally not delivered. The card has no value now. I called the number on the card and they said that a dormancy fee of {$2.00} is charged for each month the card is not used. They also told me that US Bank was the issuer of the card but could not refer me to a person, an address for US Bank or a phone number. They said they had no information on US Bank. On internet search I found there are no branches of the bank and only ATMs in Massachusetts. 
On internet search I found that in this state, MA, dormancy fees may not be made for the first 7 years of a prepaid card. 
Can you help recover the value of this card? It belongs to XXXX  a non-profit orchestra which performs in XXXX MA where all concerts are free and open to the public.