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

In XXXXXXXX XXXX XXXX unemployment has released funds of {$7200.00} into my fathers account with Bank of America which i wasnt a secondary holder of, After the funds were deposited the bank supposed it was fraud actions being done only because i wasnt under the account i was only a beneficiary so they then closed the account and told me the XXXX XXXX XXXXXXXX XXXX department has to come forth for the funds. So i took action by providing documents to the bank and reaching out to XXXX XXXX department for a letter from unemployment stating that the funds were intended to be there. Ive reached out to both companies many times looking for a resolution over the years and calling lawyers to help solve the problem. Unemployment has continuously stated that they can not go forth for the funds if already deposited and the bank stands on only releasing the funds if XXXX XXXX Department comes forth
Product: Credit reporting or other personal consumer reports

Called several time regarding these accounts. They were removed and closed but reappeared on my credit profile. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Prepaid card

I received a prepaid debit card as part of the Equifax settlement in the amount of {$7.00}. I have followed the directions they sent me but am unable to use the card. I tried to use it on XXXX ( since their is no name on the card this did not work ), add to my XXXX XXXX, as well as use in XXXX XXXX XXXX XXXX The phone number they gave me for customer service has a recorded message which does not address my issue and then it disconnects.
Product: Credit card or prepaid card

On XX/XX/2020 we mailed XXXX XXXX a cancellation letter for the contract signed on XX/XX/2020. We were not able to certify the letter due to COVID lock- down. We even spoke to their representative - XXXX at ( XXXX ) XXXX to notify him of the cancellation. To this day, both XXXX XXXX and its representative deny receiving the notice of cancellation. The contract was process and Comenity Bank paid XXXX XXXX {$12000.00} dollars for the timeshare. Which now results in a credit card debt with Comenity Bank. We have attempted to resolve this by emailing XXXX XXXX and Comenity Bank both say we owe. We tried to give XXXX XXXX our paid in full timeshare through XXXX XXXX in XXXX, MO ( which XXXX XXXX now owns and we paid {$10000.00} ) and XXXX XXXX said they would not accept it to paid back Comenity Bank and close our accounts with them both. We have not paid anything towards this debt with Comenity Bank because XXXX XXXX fraudulently processed the contract after being notified of the cancellation. We have enlisted the help of the XXXX  Attorney General office and nothing has been done to resolve this issue. XXXX XXXX has received monies fraudulently on our behalf and refuses to correct the issue by simply canceling the contract and refund the funds back to Comenity Bank. We have not taken a vacation since this issue. This could have been a simple fix, but XXXX XXXX refuses to do the right thing. No monies have been paid on this debt with Comenity Bank. This debt continues to draw interest and have a negative effect on our credit. Please help us to resolve this issue with XXXX XXXX vacation and Comenity Bank.
Product: Credit card

Please remove my authorized account from ny report as I am no longer authorized to use it and not responsible of the account. XXXX XXXX XXXX STARTING IN XXXXDATE OPENED XX/XX/year>2020. 
THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy XX/XX/XXXX. My mortgage was not included and has been and is still being paid on time every month. My credit report states I filed bankruptcy on my mortgage and does not show payment history or balance since the filing of my bankruptcy. I am in good standing with my mortgage and it should be used to increase my XXXX XXXX but instead there is no info. I had problems with them already holding my payments and not posting them and reported them to the irs for not posting my XXXX and XXXX payments that were taken out of my account in XX/XX/XXXX and they put in a holding account and didnt post until XX/XX/XXXX so they didnt include on my mortgage interest statement. I provided documents to IRS and they told me I was correct and to claim it and they are investigating them now. They keep holding my payment in a holding account making it look like its late on my statement when it arrives and it clearly states XXXX thank you for payment ( in holding account ) when I call they tell me not to worry about it but they are obviously scamming me. And experian did nothing about it. Obviously if I had submitted my house in bankruptcy I wouldnt be paying it and it would have been taken from me. I pay on time every month!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable, I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute lettet ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXXXXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XXXX XXXX Balance : {$4500.00}, XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX has violated my rights to privacy according to CFPB laws by allowing XXXX XXXX to attack my report with a fraudulent account that I am not responsible for. I refuse to pay or contact them to give them information that they dont have. Here is my correct ID and SS card for proof of ID AND Residence for more than XXXX please dont share this with anyone. I never signed a contract with XXXX XXXX nor XXXX FOR ANY DEBT.
Product: Credit reporting or other personal consumer reports

After receiving my XX/XX/year> Experian consumer report I noticed inaccurate personal information.
Product: Debt collection

Hello, I received a letter from Jefferson Capital stating I owed {$340.00} from XXXX XXXX. I was very suspicious as I only used XXXX once, not for that amount or near it. 
I contacted chat support and they confirmed that this was not mine, I had no debt and that they do not even use this company. I am not sure if the company is at fault ( Jefferson Capital ) because there was no way to get in touch with them other than postal mail, and that is not easily tracked, and their phone system was not working ( my account number was not working ) though when I did put my account number ( from them ) in their system online, it did show up with my personal information! That being said, I could not contact them that way either - only to pay the alleged bill. 
So, I have proof ( screenshot ) that I do not have a debt nor ever did with XXXX. 
This is identity theft and I need it addressed and not to be on my credit. 
Date of letter XX/XX/XXXX though I received it on XX/XX/XXXX Amount : XXXX Debt Description : XXXX XXXX XXXX confirmed this is not mine at all* They gave me the option to dispute but I can only use postal mail or phone, both of which are impossible for me to properly track in a timely manner. 

Help! 
XXXX XXXX
Product: Credit reporting

I have payed my ( on time ) mortgage for my home since XXXX, XXXX XXXX, I payed off my car in a year ( at my credit Union ) and payed down my credit card with a VA refinance loan. I applied for a XXXX XXXX Loan at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.
Product: Debt collection

I C systems has reported a medical debt from the same event as XXXX multiple occurrences listed as derogatory marks on my credit report. This debt should have been paid by my secondary insurance at the time was not aware of any balances would arise.
Product: Money transfer, virtual currency, or money service

I started a account with cash app years ago and then for some reason it would allow me I to my account says can not identify and then it says start a new account and. Chat with support so I would and then I would get back into my account and then it would happen again and again and now it's. Been years and I have so many accounts with cash app not because I want to but cash app won't allow me into my accounts and I have hundreds of dollars in these accounts that I can not get to I even had the bank identifier and location and all the stuff I needed and still they said the could not find my funds and I could not get into my account but I did tell them I felt like my cash apps were getting hacked by someone because I would login and the. I would get. A message saying new device login which it shouldn't say but I have been trying for yeas and years and I just want my money they shouldn't have a company that is able to steal people 's. Money without being held responsible for there company lack to help the people that keep them in business
Product: Credit card

On XX/XX/scrub>/2024, I received an email ( see attached ) from Comenity regarding the expiration of my 0 % promotional financing offer through XXXX & XXXX XXXX, which required the promotional balance of {$7600.00} to be paid in full by XX/XX/scrub> 2024 to avoid interest. This was in line with the most recent statement that I received prior to the end of the promotional offer which explicitly stated those same requirements ( see attached ). 
In full compliance with those requirements, I scheduled and made XXXX payments as follows : {$270.00} on XX/XX/year>2024 to cover the monthly minimum payment required on XX/XX/year>2024. {$7400.00} on XX/XX/year>2024 to satisfy the remaining promotional balance. Following these payments, I verified that the promotional balance was {$0.00} ( after the interest fees were applied to my account I then took a screenshot that shows my account had a {$0.00} balance on the promotional offer, it also looked the same way after my XXXX payment. That screenshot is attached ). 
However, despite my adherence to the terms, my account was charged full interest on the promotional balance. When I contacted their customer service team, I was initially told that this would be easy to resolve ( after explaining what happened she said " it's your lucky day, I'll be able to fix this for you '' ). Then after a brief hold she came back and said that in fact she would not be able to resolve the issue and did not provide any reason as to why ( I would guess the company has a recording of this call ( I think it was on XX/XX/scrub>/2024 ). I sent a formal dispute letter to the company along with the documents that I have also attached here. They first responded with a letter that stated my account and finance charges would be suspended during the investigation, and later received a letter that said they did not accept the dispute and did not provide a reason as to why. They have now submitted XXXX " delinquent account '' notices to XXXX and XXXX and continued to assess late fees despite the dispute and in spite of the fact that all balances were paid in full on time. I am begging for help to resolve this situation with this predatory creditor.
Product: Credit reporting or other personal consumer reports

I discovered an unknown Discover Card account on my credit report, which I have no knowledge of. I have never applied for or opened this account. I have contacted Discover multiple times requesting proof of this account, but they have not responded or provided any verification. I also filed disputes with all three credit bureaus to investigate and remove this account if it can not be verified, but the account remains on my credit report, negatively affecting my credit score. I am requesting assistance to have this account properly investigated and removed if it is not valid. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX customer service would not help and take care of the negative inquiries reporting on my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  XX/XX/XXXX
Product: Credit card

The dispute was opened twice and its been 6 months and they keep just adding balance and not resolving it {$160.00} on XX/XX/year> I sent proof of XXXX  and proof of item in box yet they still wont help me and am left with balance New number is XXXX
Product: Money transfer, virtual currency, or money service

Starting on XX/XX/2023, a series of withdraws from my XXXX XXXX XXXX XXXX Account. ( there was a failed attempt on 3/4 to make a withdraw of {$1000.00} from an old inactive XXXX account as well ) NONE of these withdraws were authorized my me.There were a total of 7 successful transactions on the following dates. 
Twice on XX/XX/2023 {$1000.00} each Twice on XX/XX/2023 {$1900.00} each Twice on XX/XX/2023 {$1900.00} each Once on XX/XX/2023 {$1900.00} There were also 4 failed attempts to withdraw funds ( including the above mentioned XXXX account ) XX/XX/2023 ( XXXX account ) for {$1900.00} XX/XX/2023 ( XXXX  account ) {$1900.00} XX/XX/2023 ( XXXX ) {$1900.00} XX/XX/2023 ( XXXX ) {$1900.00} I have the transaction ID 's for all of these transactions Sometime before XXXXXXXX XXXX, a bank account ( not sure if it is checking or savings ) was opened in my name at the XXXX XXXX XXXXXXXX XXXX in XXXX XXXX annount ending in XXXX. I did not aurthorize or have knowledge of this account. This account was then linked to MY paypal account and was used to with draw funds from my bank via paypal then deposit then in to the XXXX XXXX XXXX XXXX account. This happpened on the following dated for the following amounts ( see attached documents with transaction Id numbers ) Transfer Initiated XX/XX/2023 Completed on XX/XX/2023 Amount {$2000.00} Transfer Initiated XX/XX/2023 Completed on XX/XX/2023 Amount {$3900.00} Transfer Initiated XX/XX/2023 Completed on XX/XX/2023 Amount {$3900.00} Total {$9900.00} Paypal has refunded all but {$1900.00} I did report this to paypal on XX/XX/XXXX. Later that evening a series of 18 transactions of {$990.00} each were deposited to my paypal account from a XXXX XXXX. Paypal is claiming that these funds were deposited in to my bank account and should have been in there onXX/XX/2023 There was no deposit and nothing pending into MY account. Paypal is claiming I owe them as of XX/XX/2023 {$5900.00} ( I have no idea where or how they figured this number ) I attempted to call XXXX XXXX XXXX Bank 3 separate times on XX/XX/2023. They were the most unprofessional sounding people I have ever spoken to on the phone. One hung up on me. Another said if I don't have the account number they cant help ( if I didn't authorize this account how would I have the number?? ) the third sent me to the " fraud dept '' I was given the email address of XXXX and told to send over anything I had. I emailed them today and the email was returned as Blocked. ( screen shot attached ) Since doing some research I have found SEVERAL VERY SIMILAR complaints about this bank. Money being taken from Payal to fraudualent accounts. ( See attached Screen shots ) I have also located a copy of a Cease and Desist order issued my the XXXX XXXX XXXX XXXX XXXX ( attached ) I have disputed all of this with pay pal several times since XX/XX/XXXX. 
In addition to this complaint I have filed complaints with the FTC, and FBI as well as disputes with paypal. I will also be filing with the XXXX XXXX XXXX, NY State Deparatment of Banking, Pa Dept of Banking and the US Deparatment of Banking
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021, exercising my rights under FCRA 611 ( a ) ( 15 U.S.C.1681i ) I challenged the accuracy, compliance and report-ability of these accounts below 1. XXXX XXXX : Account number : XXXX, How did you verify this account. 

2. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

3. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

4. XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. 

5. XXXX : Account number : XXXX, How did you verify this account. 

6. XXXX XXXX XXXX : Account number : XXXX, Please remove this account from my credit report. This account is showing several late payments, and I am for certain that I was not late during these months. 

7. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

8. XXXX  XXXX : Account number : XXXX, How did you verify this account. 

9. XXXX  XXXX : Account number : XXXX, How did you verify this account.
Product: Credit card

In XXXX 2015, Sears Master Card Services was contacted to eliminate the balance and shut down the account. After a long negotiation two payments of {$110.00} and {$110.00} were to be deducted from my banking account in XX/XX/XXXX and XXXX 2015. As per the representative, these were going to eliminate the balance and close the account. I keep receiving phone calls and bills. I contacted Sears credit cards services again, and they said that back then a balance of {$34.00} was kept on the account. I askd for recording and notes to be investigated. A balance of {$100.00} is still being charged. I have only payed late fees, I used this credit card once. I was promised to be done with this balance and credit card after XX/XX/XXXX and I was lied to by the representative.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, a letter from advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).
Product: Student loan

I attended the XXXX XXXX XXXX XXXX. This school along with all sister schools have closed and were found to have misrepresented themselves I was part of the XXXX XXXX approved federal forgiveness, and wish to seek release of my private loans due to school misconduct.
Product: Credit reporting or other personal consumer reports

CFPB Complaints I am filing a report against Experian for the failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that was disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

company is reporting account as open when it is a closed account.
Product: Debt collection

Im complaining about time barred debt medical debt the company today is Wakefield and associates. This company has placed a collection on my report without verifying the age in legality of this collection. ive disputed before in the past with XXXX and XXXX and its been removed only to be sold by a new agency and place as a new collection time and time again. Even after disputing with the new law, banning medical debt on collection reports they still updated as a new my complaint is with XXXX and Wakefield and associates and XXXX XXXX XXXX XXXX. If you go read XXXX XXXX XXXX XXXX reviews numerous reviews about how this company is destroying peoples credit and how they are fraudulently reporting
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX MS XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Dear Sir/Madam, I am writing to report a serious issue of identity theft and fraudulent activity on my credit report. An ID Fraud Victim Alert was recorded on my credit report on XX/XX/XXXX, stating that fraudulent applications may have been submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. 

I want to clarify that I did not authorize this alert, nor have I been a victim of identity theft to my knowledge. The phone number associated with the alert ( XXXX ) is not mine. My actual phone number is XXXX. 

I kindly request that this alert be removed from my credit report as it is inaccurate and misleading. I am willing to provide any additional information or documentation needed to resolve this issue. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX