23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting inaccurate information to Experian, XXXX and XXXX. All of my attempts to correct the reporting with XXXX and all 3 credit reporting agencies has failed. XXXX  has not responded at all and the 3 agencies just send me an general response saying the information has been verified without giving me the proper proof. 

Letter written to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. They have yet to respond. 
XXXX XXXX sent to XXXX XXXX on XX/XX/XXXX requesting for validation pursuant to the FDCPA and the FCRA along with the corresponding local state laws. 

Dispute letters sent to XXXX in regards to the above XXXX  account reported on the following XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX. My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof. 

Dispute with XXXX and Experian sent in regards to the above XXXX  account on XX/XX/XXXX, XXXX and XX/XX/XXXX notifying them that My name, dates, amount owed and last payment dates are wrong and constantly change on their report. XXXX continuously reports that the account is verified without any proof.
Product: Debt collection

I was a customer of XXXX but in XX/XX/XXXX my service was turned off. I owed a balance of {$310.00} ; which they forwarded my information to a collection agency Southwest Credit on XXXX XX/XX/XXXX and they sent my information over to another collection agency also XXXX XXXX XXXX  on XXXX XX/XX/XXXX. I have been receiving calls non stop from both companies even after explaining to them that I have spoken with XXXX about them placing me with 2 different collection agencies for this 1 bill and that I need to know who actually suppose to hold the account. I have told them that they need to contact XXXX also and they reply in an aggressive manner with " They are the original holder and XXXX has entrusted them to collect on the debt in the amount of {$310.00}, and I will pay the amount that is owed or further action will be taken. 
I feel like I am being strong armed by both companies for a total of {$620.00} ; which is more than what I originally owed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXXXXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Citibank unilaterally changed the terms of my home equity loan. The bank stated that I could not use the line of credit to withdraw any money for the last several years. I believe this to be a breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Product: Credit card

The creditor failed to issue a Form 1099-C as required by IRS regulations for canceled or discharged debts over {$600.00}. This raises concerns regarding the accuracy and validity of the reported charge-off
Product: Debt collection

Received a debt notice after being reassured by my insurance company that no debt was owed. 

The debt collector is : BC Services XXXX XXXX XXXX XXXX 
XXXX, CO XXXX
Product: Credit card or prepaid card

In XXXX I have called Synchrony credit card and requested the closue of all the Amazon cards. They never did. On XX/XX/XXXX I have received a statement from Amazon.com ( Synchrony credit card ) for a charge made on XX/XX/XXXX Amazon Digital Seattle Prime Instant Video Membership XXXX {$9.00} that I have never opened or used. This does not even show into my Amazon account so I can't cancel from my account. I have called the credit card, requested an investigation, asked for the account and membership to be closed since I was not getting anywhere with Amazon. I talked to XXXX XXXX ( ID : XXXX ) who has informed me the charges would be reversed and then connected me with the Fraud department, reference XXXX. The Fraud department, instead of assisting me to address the issue at hand and close all cards opened under my name were trying to convince me to keep a service that I have no idea what it is and never have used. They asked me if I think this is identity theft. Obviously someone is using my card that I have never used and opened an account with Amazon that is not linked to my account. After one hour of back and forth they assured me the account will be closed and charges reversed. Synchrony never reversed the charges or closed this fraudulent subscription. In contrary, they have opened another account on my behalf, without my consent or authority and a new card was sent to me. Today I have received another statement for the same service charged on XX/XX/XXXX Amazon Digital Seattle Prime Instant Video Membership XXXX. I have called Synchrony bank and talked to XXXX who refused to provide me with her ID. She transferred me to the Fraud department, which is obviously located in another country, and I talked to XXXX XXXX ID XXXX ). She refused to file a dispute or close my account. She stated that the Fraud investigation didn't think it was a an identity fraud since I have opened this account in XXXX. Yes, I did open this account in XXXX, requested to be closed in XXXX ( which they did not ) and there is a fraudulent charge in my card that needs to be investigated. The Fraud department didn't investigate the charges and let them continue. I have requested to talk to a manager and after 20 min  hold I talked to XXXX ( IDXXXX ). After back and forth he agreed to close my account. However, he stated he can't open a dispute against the charges, though he is in the Fraud department. Strange. He told me to call tomorrow the Fraud Investigation. This is what I did last time and nothing happened. Obviously Synchrony is hand in hand with Amazon and scams people and they refuse to close the accounts. I am appalled by this scheme and require an investigation and the closure of this fraudulent account. The only thing I saw Amazon added on my behalf on XX/XX/XXXX and I closed immediately was Amazon music settings and even though I have cancelled ( see evidence attached ), they still add it each month to my account.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to EASY ACCEPT about the reported fraudulent account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Im frustrated BECAUSE NO PROPER ACTIONS ARE BEING TAKEN! 
I have submitted a claim concerning identity theft, and despite providing a sworn Federal Trade Commission affidavit, Experian has failed to remove the fraudulent inquiries as required by law. 

The specific inquiries in question are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian is not fulfilling its legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of the information on my credit report. Your continued inaction constitutes a clear violation of consumer rights and negligence in your duties. 

As a victim of identity theft, I am entitled to have these fraudulent inquiries removed immediately. If Experian does not take prompt and effective action to resolve this matter, I will be forced to pursue legal remedies to enforce my rights.
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. XXXX XXXX XXXX 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 Section2 : 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 reachable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The inquires below are not mines and are ID Theft. Please review and delete. I have added a ID theft alert to report. 

XXXX : Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Our XXXX year-old son applied for a Marcus online savings account. He was denied. I recommended he call them to see why. Apparently, Marcus told my son they did not know why he was denied. After reading the CFPB website information this morning ( XXXX ), I called Marcus ( with whom I have an account ) and asked if their practice was to provide to someone denied an account the name of the third-party reporting agency Marcus used that resulted in the denied application. The Marcus supervisor told me that, for security reasons, they can not provide the third-party reporting agency to said person. I asked the supervisor how someone could remedy the situation if they can not contact the third-party reporting agency to verify report information. The supervisor could not help me. So, my question is, " Does Marcus by Goldman Sachs provide third-party reporting agency information to individuals denied an online savings account? '' Thank you so much.
Product: Mortgage

I went on on XX/XX/22 about XXXX to make my mortgage payment for XXXX, as I do every month. Unfortunately I have made my payment at the end of every month for over two years now its just the way it is and how it happened with a Pay schedule change a while ago. I have never been late on any payment on my Mortgage. Credit reporting is extremely important me and I am not late. When I went to try to go on to make the payment the site was down I then tried to call and the phone system was down and I was unable to make any type of payment as the whole system was down. I consistently tried to go on for hours with no luck. I got error messages indicating the system was down and was going to go down, and at XXXX Eastern time it notified me of the errors. I am in California therefore I should have had more than enough time to make my payment timely without getting a 30 day late on my credit. Again I have done this for years with no issues. I immediately emailed new Rez the error I was receiving and the minute I was able to make a payment a payment was made. Unfortunately it was taken out early on XX/XX/22, which made a 30 day late on my credit. I called and advise this was not my fault and it was a system error and they have asked me to email them over what happened along with snapshots I have of the error messages I received and today they have not fixed my credit reporting. 
I also have XXXX showing that my account was showing in active and was not allowing me to pay on an active account until the following day the whole system was messed up I have asked them to remove the 30 day late and report my account as current as it was not my fault that the payment was made late. I kindly ask that you request new rest to remove the 30 daily as it was their fault their system was down and I was unaware of the system being down until I try to make my payment again this is not a one time thing that I forgot to make it till the end of the month it is very normal for me to do this unfortunately but it has been consistently done this way for years with new razz with no issues I am now 30 days late on my credit report which dropped my credit score and I am devastated because it was not my fault and I am not late on payments
Product: Credit reporting or other personal consumer reports

I am not sure who this company is I never signed any loan and pay agreements with this company. I never even received anything in the mail prior to this account being put on my credit report and a debt or a charge off. XXXX has violated my rights by not sending proper documentation via mail not giving me an opportunity to dispute debt. I never received written notification of debt via mail. And this is a Fair Credit Report violation. 1006.34 Notice for validation of debts. This company never mailed or sent me anything. I will be contacting an attorney in regards ti this company. Nothing only did this company damage my credit rating this company did not follow the guidelines of the Fair Credit reporting Act. XXXX is at fault as well for allowing this company to report false inaccurate information. I will be filing a complaint with the state of California and the state of Georgia. You will be hearing from my attorney. I am going to sue you for several Fait Credit reporting violations. Each violation is worth {$1500.00} and you committed at least three ( 3 )
Product: Checking or savings account

I made a purchase for furniture on XX/XX/XXXX. I was due to receive the furniture and was advised I would be getting an email when the item shipped. On XX/XX/XXXX I waited for an email from the company, I never receive it and by the XXXX of XX/XX/XXXX I started to worry. I reached out to Cash App support because after that purchase there was an attempt made XX/XX/XXXX when someone else tried to charge my card for {$100.00} this was fraud and I have not had any fraud activity until I made the original purchase XX/XX/XXXX. I also had another fraudulent charge of XXXX on XX/XX/XXXX. I have reached out to Cash App on multiple occasions in the regards. I did make this purchase I am not denying that. I have tried to reach out to someone where I made the purchase and have been unsuccessful in my attempts. The email XXXX they provide on the website directs you to an entirely different company. That company did reach out to me and stated that they did not sell furniture, the email was the only one provided on the website https : XXXX where I made the purchase and they do not have a good phone number XXXX. I have attempted multiple times to dispute this through Cash App and have provided the documentation showing it was fraud. This has cause unsurmountable stress and anxiety as it has been going on for almost two months. I have put over ten hours of my time into getting this resolved to no avail. I believe that Cash App is supporting these fraudsters by allowing them to keep my money. I have provided all the necessary documentation. They have denied my claim more than five times! I never received the goods. I did attempt to contact the company which I believe is fraud. I will continue until this is resolved.
Product: Money transfers

Attempted to send money to someone. Had to cancel the transfer. Received the cancellation notification and it indicated I would have the money back in 3-10 business days. It has been 12 business days and I have not received the money. 

When I contacted MoneyGram concerning this, they stated I needed to check with my bank after giving me conflicting information that I had to wait another 3-10 business days since it was not processed properly the first time. After contacting the bank, additional calls to MoneyGram indicated they have no good method of tracking the money on cancellations and are just quoting the date that I cancelled the transfer. 

When I requested to esculate this internally, I was hung up on repeatedly and was still unable to get a straight answer or my money back from them. 

I actually have cancelled XXXX transfers that were {$200.00} each on the same day and have not received back money from either one of the cancelled transfers..
Product: Credit reporting

I have been a victim of identity theft, made multiple calls to the bureau explaining to them the situation and for them to removes the accounts that do not belong to me. No actions have been taken upon my request even with proven documents. I have sent more than 5 time all the documents they have requested like ; a notarized affidavit, id, social, bank statement, and police report. Those accounts do not belong to me, If you can please remove the accounts i would really appreciated. 

ACCOUNTS NOT BELONGING TO ME ARE THE FOLLOWING ; XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Capital One Bank USA, XXXX, XXXX, and XXXX have engaged in alleged unlawful acts involving identity theft and the fraudulent furnishing of inaccurate information on consumer credit reports. Capital One allegedly allowed an unauthorized charge of {$370.00} to appear under a consumer 's account, linked to their XXXX XXXX XXXX, Utah, office. XXXX, XXXX, and XXXX are accused of inaccurately reporting this transaction on the consumers credit profile, despite the consumer disputing its validity. The inaccurate reporting is causing substantial financial harm, emotional distress, and defamation of character for the consumer by misrepresenting their creditworthiness. 

As well as FALSE REPRESENTATION of INACCURATE Inquiries such as ( XXXX. XXXX XXXX- XXXX. CAPITAL ONE BANK USA and XXXX. XXXX XXXX.
Product: Debt collection

I continuously have to call all XXXX credit bureaus to get dispute remark removed from this account. I DO NOT want this account disputed. I am trying to buy a house and can not get approved because Hunter Warfield continues to add dispute remarks to my report. I want the remarks removed. I repeat I DO NOT WANT THIS ACCOUNT DISPUTED. *It forced me to select communication tactics and frequent or repeated calls. This is not an issue they are in compliance when it comes to communication. I just want the dispute remarks removed.
Product: Credit reporting or other personal consumer reports

Kindly be aware that the details on my credit report are inaccurate. The listed addresses, employers, and inquiries are not associated with me. I urgently request the removal of this fraudulent information. As my attempts to address this with the responsible institutions have not yielded results, I am now seeking assistance from a higher authority. Your prompt attention to this matter is greatly appreciated.