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

XXXX XXXX XXXX.Account XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

****I DEMAND THE PROCESS AND PROOF OF YOUR INVESTIGATION****
Product: Credit card or prepaid card

This is an update to complaint that was filed against Discover XXXX - 1. This complaint/issue should be referred to the appropriate regulatory agency for review.

2. The last that I heard from Discover representative was an email dated XXXX which will be attached. 

3. As of today, XXXX, I have been billed in the amount of the dispute, {$400.00}. This is still in dispute and I should not be billed for items not delivered. 

4. Also, I noticed that my credit score has taken a hit as shown in the attached, on the Discover website. How can this be on a disputed item?

5. For clarification, the original complaint should be updated to show there were to be 3 pairs of shoes that were purchased instead of two. 

To be clear, I have never received any shoes from XXXX XXXX that were to be sent to my second address at XXXX XXXX XXXX XXXX GA XXXX. I have now tried in good faith to resolve this with XXXX XXXX and Discover. Discover is acting in bad faith by prolonging this process and ignoring Federal law. Not sure why Discover would treat a long term customer this way.
Product: Debt collection

in XXXX filed bankruptcy. fifth third was one of the debtors we had to pay. we paid this every bi weekly thru my check auto pay. paid bankruptcy off in XXXX discharged paid in full. that being said tried to refinance thru XXXX XXXX  and they found lien from fith third on us still. called and found out our bankruptcy attorney forgot to file lien strip to have this finalized/dropped. it was too long of period of time for attorney to do anything, and fifth third wont cooperate we have papers of discharge paid in full and they wont close this. saying we owe this godly amount over XXXX now. they never ever tried to contact us or anything. we found out thru refinancing attempt. Thats pretty much short story. we want fifth third to close this and remove lien. we cant refinance or sell. please help.
Product: Credit card or prepaid card

XX/XX/2021 : Employee was misleading and dishonest when setting me up with my credit account for this. He didn't explain terms or anything like that and didn't give me any information until after the transaction was made and I asked for it. I didn't even realize it would be a credit card ( and not just a store credit account ) until the transaction was complete. He also said I could pay off the balance right away online or by phone but I haven't been able to do that yet since Synchrony is still setting up my account. 

I felt like he was trying to pressure me to sign up without fully disclosing the terms or costs. 

I sent an email to them on XX/XX/2021 expressing my dissatisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed.
Product: Credit reporting or other personal consumer reports

The following Accounts, US Department of Education US Department of Education, US Department has violated my rights pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, states validation is requested. Pursuant to 1006.34 Notice for validation of debts. A debt collector must provide a consumer with the validation information required by paragraph ( C ) ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. Pursuant to 685.215 Discharge for false certification of student eligibility or unauthorized payment. If the borrower 's name is on the loan application or promissory note without the borrower 's authorization ; this action qualifies for a discharge of false certification. Unauthorized payment. The Secretary discharges a borrower 's ( and any endorser 's ) obligation to repay a XXXX XXXX if the school, without the borrower 's authorization, endorsed the borrower 's loan check or signed the borrower 's authorization for electronic funds transfer, unless the proceeds of the loan were delivered to the student or applied to charges owed by the student to the school.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account. 

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX Balance {$0.00} I never opened this account 4. American Express Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Product: Money transfer, virtual currency, or money service

Google ( 1 ) suspended my payments account without explanation, ( 2 ) cancelled my phone service because they would not accept my payment, and later ( 3 ) took my money in violation of their own suspension rules ( and refused to give it back because of their suspension rules ). 

( 1 ) In XX/XX/2018 Google suspended my Google Pay account with changing justification and no details. Between XXXX and XXXX, they first claimed that I might be a victim of suspicious activity, then they implied I was suspended for potentially '' performing suspicious activity, and then they claimed that my account was going to stay closed due to a violation of their Terms of Service. They requested evidence of my IDs and credit cards to verify my identity ( with changing instructions each time they were requested ), and I provided photos of my drivers license, passport, and both active cards on my account, multiple times. Tangentially the Google Store approved financing for me to purchase a new phone, which they subsequently refused to accept as payment. They have repeatedly communicated that they will not reopen my account, and that they have no obligation to justify their actions nor provide any details nor provide a route to resolution. 

( 2 ) Within two days of my Google Pay account suspension, Google Fi ( was then called XXXX  XXXX  ) notified me of a failure to pay my bill ( due to their inability to accept any payment method except Google Pay ). Despite a monthly billing cycle, my phone service was disconnected in less than a week, with no route to resolution. 

( 3 ) In XXXX, Google Fi charged my credit card in violation of their own policies. Over the next month and another dozen support interactions passed between three teams, one support member acknowledged Google Fis violation of their own Google Pay suspension, but still failed to refund the payment due to that very suspension. No internal accountability to Googles own policies was acknowledged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   2017 I pulled my credit report and noticed discrepancies on my report that do not belong to me and are inaccurate and incomplete information. I have disputed these accounts with the credit bureau ( s ). Since then I have received an updated copy of my report (  XXXX  2017 ) stating it has been updated on my report. Experian has over and repeatedly failed to provide me the method and verification in which they are using to report inaccurate information on my credit report I have submitted written and certified requests for the past 5 months for accounts :   XXXX   and  XXXX . The investigation and re-investigation came back as updated and verified, when I sent the letter certified on   XXXX    XXXX  2017 and completed re-investigation was completed in less than 30 days from that date. How is this possible when I have received nothing stating their claims inquiring of the way they investigate, re-investigate and verify ; proof of verification showing ( investigators summary, application, signatures ). I have also contacted them via phone and the rep said Oh this information has been updated and they are not required to show proof? -- -really this is what a trained representative said. However, they continue to report and send me the same information and avoid sending me the information and requirements permitted by the FCRA under section 611 ( 5 ) ( A ). These accounts must be removed and deleted as this information is outdated, inaccurate and incomplete. Attached is a copy of Experian response from the date submitted to the time of their response less than 30 days of inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account with ID # XXXX opened on XX/XX/XXXX and a balance of {$1200.00} please block this accounts and delete is fraud. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX account with ID # XXXX opened on XX/XX/XXXX and a balance of {$1100.00} please block this accounts and delete is fraud. 
I am a victim of identity theft and I never opened this account. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report Inquiry from XXXXXXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX, XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry
Product: Credit reporting or other personal consumer reports

I need to address a serious concern regarding my credit scores, which are being negatively affected by inaccuracies in my credit report. These errors are significantly lowering my scores and making it nearly impossible for me to access credit or loans when I need them. This situation is causing me a great deal of stress and hardship, and its impacting my overall well-being.
Product: Debt collection

i just received my credit report and noticed unauthorized items that shouldn't be reporting to my credit profile. Thishas been a rough time during this pandemic era
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was accessed to obtain credit cards and inquiries I did not authorize these charges I would like the fraudulent information and accounts to be removed from my credit file
Product: Credit card or prepaid card

XXXX XXXX Credit Card says no interest until after the promotional period ( usually 18 months ) which leads most people to believe that if you have a balance after 18 months, they will charge interest on the remaining balance. BUT, THIS IS NOT HOW IT WORKS. If you have even a small balance left after the promotional period ends, they charge interest on the original balance ( not just the remaining balance ), even if most of the original balance has been paid. In my case, I paid down a balance of {$2800.00} to {$750.00} when my promotional period ended. Instead of charging me interest on the remaining {$750.00}, they charged me interest on the original balance, even though most of it ( i.e., {$2100.00} XXXX had been paid off. The interest charged was {$830.00}. Yes, you read that right, a single interest charge of {$830.00} on a remaining balance of {$750.00}. So my balance has gone from {$750.00} to {$1500.00} in only XXXX month, just because of an interest charge. I called customer service twice today, but they were of no help, saying it was my fault I did not read the fine print of the contract I was signing. I asked for a copy of the contract, and they refused to provide it to me! I have card statements to prove what I'm saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continually reports my information regarding XXXX XXXX wrong.  I did a dispute on the balance of my credit card.  They fixed that then completely wiped away all records of me having a car loan with the credit union. They do not report the information correctly on the car loan, they let months go by without updating it, but to completely wipe all records of me having a car loan is unacceptable.  I have had this loan with the CU for one year the XXXX of this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX have violated my right under 15 U.S.C 1681 ( A ) reads The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report i would like all accounts removed which include XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX i would like all accounts Deleted immediately
Product: Credit card

I went to LOwes to use my card and the account was closed by Synchrony Bank when the account has always been current for years ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX credit inquiry on XXXX, XXXX and XXXX. I want these to be removed from my XXXX  due to I never signed any documents. 

Also Credco/XXXX  XXXX I want these to be removed from my XXXX  due to I never signed any documents. 

Under FCRA I want this to be validated with my signature that I authorized.
Product: Credit reporting or other personal consumer reports

I am formally disputing the reporting of a charge-off on my account ( Regions Bank, Account Number : XXXX ) under the Fair Credit Reporting Act ( FCRA ). I request that Regions Bank provide evidence of the charge-off status, including internal records or documentation that substantiate the claim. Please provide me with a detailed account of your investigation process, including any evidence or documentation supporting the charge-off status of the account.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 ) ( a ) 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 request delete the not authorized hard inquiries below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX M XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, Experian and XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$370000.00}.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I found these inquires I did not authorize. These are fraud and should be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been a capital one card member for some time now. My card had expired and was never sent a new one ( or it was lost ). I requested a new card which was handled promptly with no issues. I received the card in the mail in a few days and I went online into my account and activated it. The very first time we went to use it was declined. We called and was assured everything was fine to run it again. We tried a second time and it was declined. Each time we had to call we had to go thru the host of questions. After not being able to help frustration set in and I was sent to a manager who made me take a photo of the front and back of my license and a live selfie while I was on the phone. I was told this was sufficient and it will be opened back up. I let it sit for a few days and when I went to use it it was denied. I called them again and was told that they will now send me a email with a link to follow. This link asked me for a copy of my license and some proof of idenity. I sent my license along with a jury duty letter and a copy of a tax bill along with a copy of my current " Capital One '' statement. Guess what not sufficient. Now they wanted a copy of my bank statement. So yes I sent this with my account # blocked except for the last 4-digits, which when compared to my payments you can see they match. Still not enough. I don't feel I should have to provide so much personal info when I was already a customer. I don't know were this info goes and who sees what.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. 
Account name : # XXXX. 
Account name : # XXXX. 
Account name : # XXXX. 






However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

On XX/XX/2024 someone hacked into my account and transferred all money from my savings account to my checkings account tried to XXXX themselves but it bounced back and they went another route which was load the money on to my cash app which is linked to my bank account and took all my money XXXX The 1st transaction was for XXXX Then they went back 2nd transaction was for XXXX And the 3rd transaction for for XXXX and the 4th was for another XXXX which in total came out to XXXX I dont know who these people are i dont know who would have access to my account my phone was stole and all of my information was in the phone Ive filed a complaint to Captial one XXXX  time they have denied my claim and just have given me the run around on these XXXX occasions this is the XXXX time this has happen to me with banking with capital one Ive went XXXX the bank Ive spoke with people over the phone this has been going on for 4 weeks now.