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

Discover issued me a Credit Card account with an initial {$8000.00} credit limit. 
I was the victim of Identity Theft resulting in unauthorized charges on my account. 
I cooperated with all members of the Fraud and Security Division of Discover, did everything I was told, received multiple letters from Discover, including their President and CEO XXXX XXXX that I had no role in the unauthorized charges, I was a cardholder in good standing and my account would continue. 

The sole call I have ever received from Discover was from a woman supervisor in the Fraud and Security Unit defaming me and she and two of her team members told me because of my religion, I am an observant XXXX, they would honor a charge of over {$3600.00} that is clearly fraudulent, and would take all steps they could to destroy my financial credit status as " XXXX People have to much success in accumulation of assets ''. 

I have contacted Discover and requested they informally correct this violation of the Constitution and State and Federal Law with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I settled this account has co signer with XXXX  XXXX with a payment amount of {$1000.00} as agreed by the bank a supervisor name XXXX and representative named XXXX at XXXX intheir headquarters location. 
I paid with my XXXX XXXX account and they stated XXXX and XXXX floor supervisors that all credit Bureaus will be updated within 30 days! 

They have been falsely lying since XX/XX/XXXX the date I paid stating the I still old money after I paid them and have receipts, confirmation number, and 100 % proof of payment! 
And keep XXXX my disputes with the three major credit bureaus. 

They lie, over charged me while making payments before I paid them Out and these wrong information corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, HI, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXX
Product: Checking or savings account

My account is blocked due to " unusual activity '', I called and went to bark but they didn't tell me the reason. Please explain the problem and let me know how to restore access
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted XXXX to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.
Product: Money transfer, virtual currency, or money service

XXXX I had XXXX transactions that someone scammed my account and took nearly XXXX and cash app did nothing about it.
Product: Credit card or prepaid card

I have been receiving points through an app called XXXX, which rewards me for making purchases with my Capital One VISA card at various retailers. Apparently, a couple of months ago Capital One began blocking the access to my credit card purchase information that I granted to XXXX, and XXXX 's servicing provider ( XXXX  ) can no longer retrieve this information. This is interfering with my ability to receive the points from XXXX, which I use to earn gift cards. I believe it is my right to provide access to my purchase history to whomever I wish ; therefore, Capital One needs to honor my decisions.
Product: Mortgage

I took a 6month covid relieve ending the forbearance in XX/XX/2020 at my request. I signed the necessary document for the repayment of the outstanding balance in XXXX wellsfargo withdrew that document saying they made an error and came up with another value that's higher than the previously signed document. I asked for the details of their calculation but they wouldn't give it to me. I've asked for document about my original payment schedule repeatedly and they've ignore them. Every time they call me or I call in they keep on saying they're investigating. Yet I'm reported as late. Before signing the last document i asked them to give me a breakdown as to what i'm signing but they said they will send it afterwards they made me sign a document with that any details. I was repeatedly told that once i sign the document i will be current only to be told i'm 1 month late after signing the document. how can i be late when i've paid every month since i ended the forbearance. 
I need help getting my original payment schedule from wellsfargo before the forbearance and how the forbearance affects my payment schedule going forward. I also need to know how much of the payments have been applied to the interest and principals to date. I really need to know where my payments going.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut XXXX XXXX down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on XXXX XXXX XXXXXXXX XXXX account number XXXX on XXXXXXXX XXXX XXXX XXXX, account number XXXX on XXXX XXXX XXXXXXXX XXXX account number XXXX on XXXXXXXX XXXX XXXX XXXX account number XXXX on transunion XXXXXXXX XXXX hard inquires on transunion dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

Transunion continues to report a collection agency and at this time it's XXXX XXXX. 
Prior to that, it was XXXX XXXX. I disputed it early in the year and it was removed by them but again just recently it popped back up on my credit report. I call them today and talked to a dispute specialist who said i can dispute it again ( really not comprehending the problem of different companies at different times placing this on my credit report with them ) which does no good. I'm tired of being hassled by some imaginary debt back in XXXX and them providing no assistance in understanding the true issue. Now, just yesterday I received a notice from another company called XXXX XXXX XXXX XXXX XXXX claiming I owe them and most likely report it to Transunion as well. The other two bureaus, XXXX and XXXX   don't report this random debt but Transunion doesn't care. I'm was in the middle of a refinance on my home when i was blindsided with this because it dropped my score by 8 points according to XXXX where I have a premium account to monitor such activity. 

Also, i pulled up and read the 2003 Fair Accurate Credit Transaction law and in section 611-15 section B, paragraph i-iii states that the credit bureau agency shall notify in the consumer of reinsertion not later than 5 business days after the reinsertion. I was never notified by Transunion, or XXXX XXXX, XXXX, XXXX, XXXX XXXX and everytime they make a report my credit score drops by 8-12 points. Please help so i don't have to get an attorney involved.
Product: Debt collection

They have placed the account with the credit bureau 's 3-4 times on each of my credit reports. I called and asked for verification of the account because of amount and they continue to put it on reports now as if its new accounts.
Product: Mortgage

I am very behind in my payments to my mortgage holder, Ditech Financial. Three weeks ago I spoke to my Account Representative who said she was sending me a  modification package. She added that I could always reach her by using her extension. I called the next day, and she no longer works in that capacity. Now I have a new Rep who, after calling and asking to speak to him, does n't return calls. And I have not received the modification package, though I 've called several times to demand it. Ditech sent me a Notice of Default and Intent to Accelerate on XXXX, and I believe they 're stalling so they can foreclose on my. I have gone to friends for a loan to cover the huge arrears ( {$33000.00} ) and I 'll have it by the end of XXXX. Ditech in any case would love to declare a foreclosure because then their lawyers, with the push of a button, charge several XXXX dollars to the paperwork, which is all boilerplate. Please help. I 'm attached everything I think you would need to approach them for a dispensation on the foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account : XXXX  XXXX Account # : 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 a account without my written instructions.
Product: Debt collection

I submitted a request to have the following information removed due to theft. 
The following accounts are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email stating that I had been removed as a sponsor on my minor child 's cashapp account and an email stating cashapp had blocked a payment to my son from a person we do not know. When I went to access his cashapp account, the balance that was well over {$250.00} that had been in his account was now gone. We used his cashapp card for a door dash delivery of {$19.00} and some change the previous day and that's all of the transactions that were made on our end the entire month and the account was closed. When I called cashapp support they keep insisting there's no way to recover the funds because I'm no longer a sponsor on this account and they can not access it either. They continue to send me emails with instructions on how to file a dispute but all those directions require the sponsor to log into the closed account. This is impossible for me to do since I was fraudulently removed as the sponsor and the account is now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX IN XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against cash app ( Block , Inc ) due to inadequate Customer Service and unfair practices which violate the consumer, financial protection act ( CFPB ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund, transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Money transfer, virtual currency, or money service

I am permanently banned from using PayPal and I am extremely dissatisfied with this decision. I have been a loyal customer for several years and have never had any issues with my account. I believe this ban is unjustified and I request a thorough investigation into the matter. Furthermore, I demand that my account be reinstated immediately, as this ban is causing significant financial harm to me and my business. I look forward to a swift resolution to this matter. 

My Paypal Email Address : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy that is appearing on my consumer report that is in direct violation of 15 USC 1681b ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 ). It is also is not associated with me. On XX/XX/2021, I received confirmation from United States Bankruptcy Court Eastern District New York, which I have attached to this complaint. It states that there was no bankruptcy found with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID XXXX I paid this debt that was wrongly sent to collections. Please see complaint above. The company corrected the amount owed and I paid it. Upon my payment of the debt the company, XXXX XXXX, was supposed to completely remove any trace of this incident off of my credit report since they were in the wrong and should not have sent to collections in the first place. The company has not removed the marks against my credit. There are in fact 2 marks from this one incident for the same bill. They split the bill in two and sent each part to collections separately. So two individual marks are still present on my credit report and this is the case with each of the three credit reporting bureaus. 

I have done nothing wrong in this entire situation, they have their money, they need to do what they said they would and have the marks completely removed, not just marked " paid '' but cleared of my report entirely. The company 's response below to my original complaint Note the company says they will update status to paid in full. This is not acceptable as my credit report should have not ever showed this bill. Marking paid in full will still show up and look like I had a problem paying a bill but once it sent to collections I paid it. IT SHOULD NEVER HAVE GONE TO COLLECTIONS- ALL RECORD OF THIS CHARGE SHOULD BE COMPLETELY REMOVED FROM MY CREDIT RECORD, THIS INCLUDES MY HUSBAND XXXX XXXX AS WELL. 

" STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response CCC has obtained account balance verification from the original creditor and today, provided the consumer with written validation of the subject debt via mail. Should the consumer pay the {$100.00} remaining balance due, CCC will instruct the Credit Reporting Agencies ( CRA 's ) to update the status of CCC-furnished trade lines to paid-in-full ; in keeping with our responsibilities as a data furnisher to the CRA 's. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I disputed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on all three credit reports. XXXX XXXX XXXX XXXX XXXX said they had verified my account properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not verify this account properly and they are still reporting it on my credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification  of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I have attached the type statement up sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted Experian since XXXX. Only to be led along an endless call prompt and never being able to speak with a live person. 

My uncle added me to his XXXX account as an authorized user. Since XXXX the account was never posted to my credit file. Since XXXX we have repeatedly contacted Experian and XXXX. Only to be told the issue is with the other party. 

My uncle filed an escalation with XXXX and after an investigation they mailed us a letter stating the account has been reported to Experian and the issue is with them. 

I have yet to speak with an English speaking supervisor or anyone at Experian who can understand and correct this issue. 

The authorized user account is reporting to Experian under my name, birthdate, and the primary card holders ( my uncle ) information. 

This is causing a second credit report under my name and information to be created.
Product: Checking or savings account

I have called for twice, the first one did not illustrate clearly whether my money can be returned. I have received XXXX unrecognized transaction from florida ( I am a XXXX XXXX. ) in XXXX. The transaction is large to XXXX dollars. Also, my card information is leaked from the bank or website, the Chase bank refused to take responsibility. The last call was a lady, who was kindly rude. Repeatedly told me the money can not get back even if they are pending. The bank suddenly stop the phone in a rude way. I feel so angry about Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen I check my credit report and seen were someone open credit cards and and line of credits in using my name the year XXXX my wallet was stolen out of car I'm a victim of identity theft it show the following were open using my identity ) XXXX XX/XX/XXXX. XXXX XXXX XXXX ) XXXX XX/XX/XXXX. XXXX XXXX XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX, XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX all accounts were open in my name by fraudulent