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

Dealing with debt collection companies, by law, I am allowed to request a copy of an agreement for specific companies, that I signed agreeing for these accounts that the debt collectors have in their possession, a copy of payments I made to the specific account, and previous information regarding myself dealing with the account.

Im allowed to give them 30 days after providing them a letter with my request for them to provide me this information. I have sent a letter to all debt collectors on my credit, and they have not responded within 30 days. 

I have expressed this to Trans Union, and XXXX as well, and the collectors are still on my credit. I have provided the letters that I sent the collectors and proof that I have sent them. The investigation was not done correctly because theres something on my report that I have never seen before. I made disputes to all. 

Companies on report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There are accounts from student loans on my credit report that is stopping me from getting credit or housing. I have contacted each credit reporting agency and requested that the accounts be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX  has failed to provide me with information to verify debt XXXX have no knowledge of this account .This account is in direct violation of my rights. Per FCRA : 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. I demand the permanent deletion of this account from all consumer credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled my free Experian credit report from XXXX today ( XX/XX/XXXX ) and there is a foreclosure on my credit report that is NOT mine. 
XXXX XXXX reported this foreclosure XX/XX/XXXX. 
The XXXX account number showing on my report is XXXX with a balance of {$140000.00} and date opened XX/XX/XXXX. 
The Experian Credit Report is saying this foreclosure will be on record until XX/XX/XXXX. 
I really need some help with this. Please advise.
Product: Debt collection

I have disputed an account with Cavalry Portfolio Service asking them to validated the account and asked them for their purchase agreement concerning the account. I didn't get a response with a validation or purchase agreement request. The reason for asking for the purchase agreement is I had also disputed this account with XXXX. The results of the dispute with credit bureaus stated ( Meets requirement of the fair credit reporting Act ) The credit report states date opened XX/XX/2021 which looks like when the collection company acquired the collection there is no original date open, no schedule payments made or not made, no date when the account was originally open. They do state that the original creditor was XXXX. I contact XXXX which didn't show anything information in there records and told me to contact the collection agency.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. If this problem is not resolved, and these accounts are not removed from my credit report, please know that my next step will be court.
Product: Credit card or prepaid card

Macy 's continue to bate and switch with my rewards, false advertising, and I am a platinum member whom spend about XXXX a month and has never been late or behind and I always pay more than the minimum the overseas counter part never gets the info correct and also now my card is tied up with an order that was canceled and if the XXXX order was canceled then i should be at a XXXX balance I had XXXX rewards points when the double point and the triple point was on so now not only did I get the things for my house warming party but they have ruined the decor in my new home and my family as well as myself is considering not shopping with Macy 's and I am also considering closing my card even though I love shopping at Macy 's. Their Lack of communication is horrible The old system is difficult to deal with, no alert not notices until a day later. I need someone with authority to call me my discount that was given to me was used on an order which was cancel and then when I went to replace and use the code no good I also shopped during the double/triple points I have over XXXX point pending and now they are gone I want points and my items I needed for the party and house warming that they ruined. they have cancelled several orders this is not the first time.
Product: Debt collection

I had an account with XXXX that went unpaid and into collections On XX/XX/year> i reached out to the collection agency ( XXXX XXXX  ) and settled on a payment and was told the debt was paid. Ever since i have been fighting with the credit bureaus to get it removed but have had no luck. So i called XXXX directly and was transferred a million times and sent over to a collections agency ( credit control ) not related to the one i initially paid and they had no record of payment and were trying to collect the same amount. I am not going to pay another collection when i already paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX. I recently was at home doing a routine credit check for myself. As i'm going down the list of items on my report I noticed somethings that i'm certain are not mine. I was advised to contact this agency.. I also contacted my local police and FTC. These items are not mine and need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/year>24 My Social Security check was deposited into my Chime account. XXXX XXXX hours before I knew that the deposit was made my money was withdrawn from my account in XXXX separate transactions and deposited into a XXXX XXXX 's XXXX XXXX  account. Without my knowledge or consent. I filed a dispute and with in XXXX hours my dispute was canceled and I was told that I called and canceled the dispute which I did not do. I reopened it and was told my money would be refunded to my account on or before XX/XX/XXXX. Then when I called to see why my money had not been refunded, I was told that no fault was found and that my dispute was canceled. I have reopened itagain. 
Then on XX/XX/XXXX I wasn't a register at XXXX to with draw my Fire Department retirement check so I could close my Account with Chime. As I was making the withdrawal and I had my open Chime app I saw my money beTransfered from my credit builder account my checking account. I immediately transferred it back. Then it was was transferred back to my checking account, and this went back and forth 3 to 4 times and then I was kicked out of the app and my {$800.00} was used to purchase Bitcoins. I immediately called Chime and explained the situation and the agent could see the back and forth transfers and said he blocked the transaction for the bitcoins. And that my money would be refunded in 3 to 4 hours maximum. As of today and numerous phone calls to Chime I still have not received my refund yo my account. It seems as though someone in Chime has access to customer accounts and knows when direct deposits are due and is stealing customers money. I get nothing but excuse after excuse and nothing is getting done to help me get my money back. I have lost over, {$3000.00} in XXXX alone.
Product: Credit card

US Bank has been reporting my account as 30-days late XX/XX/2015. However, this is factually inaccurate. I have made several attempts by contacting them by phone, speaking to numerous representatives in several departments, including supervisors, but have been unable to resolve this. I have irrefutable proof, confirming a payment was not due on XXXX XXXX, 2015, ( attached ) and copies of my credit report, showing it has been reporting as XXXX late. I have written letters to XXXX, XXXX and XXXX disputing the 30 day late reporting for XXXX, 2015 However, and somewhat incredibly US Bank continues to verify that as accurate. I have an urgent need to update my report accurately as I am in the process of securing a large, XXXX XXXX dollar construction loan and as a result of the ( 30-day ) late account my interest will be increased costing me an additional {$17000.00} thousands dollars over the course of the loan. 
Additionally, US BANK 's website was continually down in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015, not allowing me to make on line payments, and calling always had ureasonable long holds of over 10-15 minutes. Further, if you look at the XX/XX/2015 statement I have attached, it displays a balance of over {$5000.00} and the amount due as the same. This was a direct violation of the contract I had with US Bank.
Product: Debt collection

I have paid off the debt to XXXX and it was sent to collections to XXXX which was paid off in full. I called XXXX myself the balance is at a XXXX balance. I checked My credit report and noticed a collection agancy names ic systems had the same amount and debt I paid off already last year. I have not revived any comminicstion from them at all. And seen it on my XXXX credit report
Product: Credit card

Opened my accounts XX/XX/XXXX they ran my credit which gave me a ding on my credit report they approved me for 2 credit cards and checking accounts. They sent me a letter that I just got dared XX/XX/XXXX that they closed all of my accounts.
Product: Debt collection

This collection was paid I disputed the balance on my credit report. The original creditor could not validate the debt so the collection was deleted from my credit report. On XX/XX/20 I pulled my credit report and the account was updated by Enhanced Recovery Collections on XX/XX/20. I never received written notice or phone call about this collection.
Product: Credit reporting or other personal consumer reports

I am writing to you for the third time. I have tried to contact the creditors and the credit bureaus and I have not gotten a response from you. I need you to please help me eliminate the following late payment : XXXX : account number : XXXX date : XX/XX/XXXX late pyment : XXXX : account XXXX date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX What the bureaus are doing is a total mistake. I really need your help. It is affecting me in obtaining a house for my children
Product: Debt collection

The company against which I am complaining, Wakefield & Associates, has failed to send me any kind of debt validation notice with respect to three different accounts which have been assigned to it for collection. I have never received such a notice ; rather, the three items simply appeared on my credit report as adverse collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the XXXX  and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/ an automatic payment went through on a personal loan I had with Amex. Not realizing I had automatic payments set up I made a loan payment as well on this date. Realizing I had made duplicate payments I contacted Amex on XXXX XXXX requesting a refund of the duplicate payment. Was told it wouldnt air 7-10 business days. Did not receive any documentation of this request in writing, despite receiving documentation in the mail or email every time I make a payment or update my information. I contacted Amex again on XXXX XXXX XXXX XXXX XXXX XXXX and was told it was escalated and would be refunded the next week, at the latest on Wednesday, XXXX XXXX I contacted Amex again on the XXXX and was told it was escalated but they had no date for resolution. Was told several times there was no superior person for me to speak to. Was told several times there was no documentation of my request they could send me in writing. Was told several times I would get a call back from a supervisor and I didnt receive one. On XX/XX/XXXX was given an email per my numerous requests for documentation notifying me my request had been escalated, but it did not include the nature of the request or the amount of the refund or the original date the request was made. As of XX/XX/XXXX, funds have not been returned. Next payment date is XX/XX/XXXX.
Product: Prepaid card

I 'm supposed to receive XXXX visa cards of {$12.00} each as a mail-in rebate for my purchase at Kohl 's during thanks giving last year. However I received only XXXX and i have been following up with Kohl 's customer support multiple times ( in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Every time I call them, I 'm told that the XXXX card has been dispatched again and I will have to wait for another 20days to receive it, which I never received. They dont give me a choice to speak to someone senior in the department to resolve this issue. I have screen shots of all chat conversations with the support
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am filing a formal complaint regarding the inaccurate reporting of an account on my credit report, which I am requesting be removed entirely. The account in question is a XXXX  account, where I was listed as an authorized user. Below are the account details : Account Name : XXXX  Account Number : [ If available, you can include the last XXXX digits of the account number here ] Reported Balance : {$5200.00} Last Reported Date : XX/XX/XXXX Credit Limit : {$2100.00} Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX The issue at hand is that this account was reported as closed with a balance of {$5200.00} on XX/XX/XXXX, despite my role as an authorized user and not the primary account holder. Furthermore, the dispute resolved status showing " subscriber disagrees '' is entirely inaccurate. As an authorized user, I do not hold responsibility for the balance, and the statement is misleading. 

I request the immediate removal of this account from my credit report. The account has been inaccurately reported, and its inclusion is harmful to my XXXX XXXX and financial well-being. 

Legal Basis for Request : Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ), furnishers of credit information are required to provide accurate and complete information to credit reporting agencies. The current reporting of this account violates the FCRA in the following ways : Inaccurate Reporting : The account was reported as a closed account with an outstanding balance. As an authorized user, I have no legal responsibility for the balance, and this should be reflected in the reporting. 

Dispute Status : The " subscriber disagrees '' status is inaccurate and misleading. This indicates a dispute that I did not initiate or resolve, which is a violation of the FCRA 's requirement for accurate information. 

Failure to Correct Information : The FCRA mandates that credit reporting agencies and furnishers correct any inaccuracies in a timely manner. The failure to accurately report the account as authorized user status rather than primary account holder is a violation of this obligation. 

Due to these violations, I am requesting that this entire account be removed from my credit report. The incorrect reporting of this account has caused significant harm to my credit and financial standing. 

Potential Legal Action : Should this matter not be resolved in a timely manner, I will consider pursuing legal action for damages under the Fair Credit Reporting Act ( FCRA ), as I have suffered harm due to inaccurate reporting. Under the FCRA, I am entitled to seek compensatory damages, including actual damages, statutory damages, and punitive damages for the failure to accurately report my credit information. 

I will also explore the option of engaging an attorney who specializes in consumer protection law and credit reporting disputes. A law firm such as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which specializes in credit report disputes, FCRA violations, and consumer protection, can assist with this matter and pursue appropriate legal remedies if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on XXXX  and TransUnion and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently
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. 

Account name : XXXX  XXXX Account, Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX Account name : XXXX 'S XXXX Account # : XXXX, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the 3 credit reporting agencies multiple times, Experian, XXXX XXXX to please correct the personal information on my account. The have not corrected the inaccurate information they are reporting. 

I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information. 

I called on XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I have on my credit report XXXX XXXX  accounts. I am listed as an authorized user on XXXX. But I was removed from that account on XX/XX/year>. The company told me that by XX/XX/year> they would remove it from my credit report. As of today I still have it on my credit report.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX ) XXXX $ XXXX XX/XX/year> Cash App Support Team Block , Inc . 

Subject : Appeal for Account Reinstatement and Recovery of Funds Dear Cash App Support Team, I am writing to formally appeal the closure of my Cash App account, which was recently deactivated with a remaining balance of {$100.00}. Upon checking, I noticed that my account is now showing a negative balance of - {$38.00}, and I am seeking clarification and resolution regarding this issue. 

I have been a loyal user of Cash App and have always strived to follow the platforms terms of service. However, I was not provided with specific details regarding the reason for my account closure or why my balance has changed. I kindly request a review of my case and, if possible, the reinstatement of my account. If reinstatement is not an option, I would appreciate guidance on how to recover my remaining funds and open my account back in good standing. 

Please let me know if any further information or documentation is required to assist in resolving this matter. I appreciate your time and assistance and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, TBOM/MILSTNE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) .And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

i disputed this item as fraud multiple times and presented a offical police report and they still refuse to erase it from my credit because it was wrongfully disputed not in a manner that they could erase it
Product: Credit reporting, credit repair services, or other personal consumer reports

I got robbed and they took my wallet with my social security card and credit card now they are using it