23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I disputed with the creditor directly ( see attachments ), in XXXX, XXXX. Received letter dated XXXX XXXX, XXXX, in regards to dispute. Letter states account is being reported correctly. Account was " updated '' within credit reports, yet the information reporting is now more " incorrect '', than before. 
I contacted creditor on XXXX XXXX, XXXX, in regards to paying off my account. I was informed the account was already closed. This is when I decided to pay the account in full. Account became late, due to divorce proceedings. Creditor waived late fees, as well as interest accrued. Account was closed by credit grantor, not by consumer, as being reported. Also, the opening date of account varies. Date of status is incorrect, as final payment was received XXXX, XXXX. Recent payment is no longer reflected in report, and is reporting paid and closed. Also, in original letter to creditor, I emphasized any and all contact to be conducted by postal mail. Creditor is asking for me to contact via telephone, after the fact of notification.
Product: Credit reporting or other personal consumer reports

TransUnion has violated my rights as a consumer per The Privacy Act of 1974 by viewing my credit profile without my written consent. I have not provided this organization with written or verbal consent to view my credit profile.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit card or prepaid card

On XX/XX/XXXX, I charged {$190.00} on my Discover card for XXXX XXXX XXXX via online ad. On XX/XX/XXXX I changed my mind after reading numerous complaints against this company on XXXX site. I emailed company ( XXXX ) to cancel order. On XX/XX/XXXX, " XXXX ( Support ) emailed that my order was successfully cancelled and shipment stopped. Full refund would be returned to my card " within 5-10 business days. '' I waited and waited. No refund. Therefore, I filed a dispute on XX/XX/XXXX with Discover to get my money back. They issued a temporary credit. Some entity called " XXXX! '' sent Discover fraudulent and misleading papers with a shipping date and a XXXX Tracking #. However, I never received any packages from that company. When I checked with XXXX about the Tracking #, they said they never received the package. It was cancelled by XXXX back on XX/XX/XXXX! It was never shipped. Evidently, the Tracking # was generated when I ordered, but it was never shipped. On XX/XX/XXXX, Discover decided the charge was valid. Wrong! This complaint is echoed by several other consumers who protest as I am doing, that Discover does not protect their cardholders in disputes. One other XXXX like me ( XXXX ) comments Discover seems to be trained to side with the scammers! No longer an honest company. I have already sent Discover documents : 1. the email from XXXX cancelling order and authorizing refund ; 2. XXXX doc stating no package with that tracking # was in their possession. When I called XXXX XXXX and reiterated issue, they said Customer Service would contact me within 48 hours. Of course, that did not happen. Discover told me to ask the company exactly what card was involved, etc, as if I am the investigator! This company ( XXXX. ) is a SCAM. Liars. Discover has essentially stolen {$200.00} from me : protecting scammers.
Product: Debt collection

I happened to look over my credit report, and received a report from each credit bureaus stating I owe One Main Financial services. Acct # XXXX. It states the account was charge off, but I never received a 1099c from One Main Financial services. I been trying to get a 1099c from them to insure the account they accusing me of is charge off.
Product: Debt collection

On XX/XX/XXXX I sent a letter to Midland funding disputing a XXXX account that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in XXXX days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. On XX/XX/XXXX I received the attached letter from XXXX stating that they have opened an investigation requesting appropriate documents and I have heard nothing from them since. 

This account has been deleted from my credit report XXXX times since then and placed back on my report, affecting my credit score each time. Based on the FCRA and FDCPA once an account has been removed, I should be notified 5 days prior to the account being placed back on my credit reports. 

In addition, Midland Funding has not provided me with proof of documents bearing my signature in the requested 30 days. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

My belief is that they were not able to validate the debt and decided to remove the debt from my reports. They would not be able to validate the debt, because it does not belong to me. 

I believe that my rights have been violated and I would like immediate action taken. 

In addition to this CFPB complaint, I will be filing a small claims XXXX XXXX Midland Funding as I was recently denied credit because this account appeared back on my credit report and dropped my credit score XXXX points.
Product: Credit card or prepaid card

my credit card is frozen after i paid my bill not once twice. the company holding my payment and i cant used the card for any purchases. i set up a minimum of XXXX instead of taking XXXX they took out XXXX from my bank account. my bank stop the payment and the funds was returned. I made another payment for XXXX and my account is still frozen. i called the goldman sachs to find ot a solution and i got no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$1700.00} XXXX XXXX {$54.00} XXXX   XXXX {$98.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$210.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1400.00} XXXX XXXX {$450.00} XXXX  XXXX {$710.00} XXXX XXXXXXXX {$120.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} DEPTEDXXXX   XXXX {$5500.00}
Product: Mortgage

Wells Fargo Home Mortgage in there reply on XX/XX/18 about the California All purpose Certificate as there response I sign the document is not my signature as claim by Wells Fargo Home Mortgage Power of attorney is not my signature nor my printed signing. Futher more Wells Fargo Home Mortgage has yet to produce the proof of my signature to that document nor does Wells Fargo Home Mortgage been able to justify my signature. The document was sign by the Notary. I did not sign nor give consent to the Notary and was not ever giving or mail any copy of no California All purpose document. Wells fargo Home Mortgage wants to blame the media in which has nothing to do with my signature or documents forge by there notary as there agent. wells fargo home mortgage acted wreckless and has yey to prove by any legal means that is my signature in any way. all wells fargo home mortgage does is reply back with some lam excuse or blame game on some one else.
Product: Credit card

I have decided to close relationship of XXXX years with Amex because of unscrupulous lending behavior. In XXXX years I have a XXXX credit limit! I have a platinum card with XXXX credit limit. My counterparts with the same credit score or less were afforded the rights to be offered XXXX these amounts. Only in XXXX does this happen! 2024 and giants like American Express are able to perform with such bold unscrupulous behavior in plain sight. Dont write me and talk about future credit! My score is a XXXX! Dont write and tell me I had a returned payment and apply in XXXX months! Just remove these XXXX accounts off my credit report! I dont have a relationship with American Express and I dont want to continue to be reminded of the disrespect and the violation of my fair credit rights! 
Remove wrong balance Remove wrong status Remove your history Stop reminding of your blatant disrespect and take this ugly and bias history off my consumer credit report! 
Enough is Enough!
Product: Credit reporting or other personal consumer reports

I have tried, over the course of a year, to gain some sort of access to my credit information with Transunion Credit Bureau. I have called several times to try and resolve this issue, to no avail. I can login to their website, but as soon as I try to request my credit report, i receive an error that I am unable to access the report online, and that I should call them to obtain a copy of my report. 

I have called them, and I have been subjected to the same rote boilerplate troubleshooting procedures, i've been cut off, i was told I was being transferred to the proper department, only to find myself right back at where I started in the main cm, alling queue all over again. 

I have chatted with them, I have tried to use their new text messaging service, only to have the message abandoned in mid conversation by what I suspect was an AI responding, rather than an actual person. 

It is ridiculous that I have no ability to see or dispute or verify my own credit file. Both XXXX and XXXX are no problem. This whole ordeal is such a nightmare and it's my right to access my credit file... yet I still can not.
Product: Credit reporting or other personal consumer reports

Thank you for responding. However can you clarify my concern regarding account XXXX  The charge-off balance of {$320.00} KIKOFF stated The balance was simply charged off due to non-payment, and NO THIRD- PARTY recovery or insurance reimbursement was involved. Please enlighten me but my understanding of A write-off is a business accounting expense reported to account for unreceived payments or losses. A write-off reduces taxable income on the income statement. So that I have a clear understanding KIKOFF is stating this is not a practice used by the company for recovery/tax credits since KIKOFF did respond stating no third-party recovery was involved. Was the IRS also an oversight when third-party was referenced? And thank you I am aware of the payment history, open and closed dates when account charged off and the amount written off as profit and loss as KIKOFF is reporting information. And for any reason this is not the method used by KIKOFF as referenced above please disclose KIKOFF unique charge off- write off method so I may follow up.
Product: Checking or savings account

I deposited a cashier 's check of {$3300.00} into my new account with Capital One 's XXXX checking accounts on XX/XX/XXXX. My funds have not been available for withdrawal and any attempts to touch my balance is denied. 

I have been calling their financial security department for two weeks and have experienced high wait times, over an hour waiting, with no assistance with this issue. Their customer service department can not assist retrieving my funds and I receive no callbacks from their security department. 

As of today XX/XX/XXXX, Capital One is holding over {$3300.00} of my money hostage in their system. They have no interest in releasing my funds, and have cost me late payments and a credit card fee for a denied payment.
Product: Credit reporting or other personal consumer reports

Hello, I was checking my XXXX, XXXX, and XXXX and the company XXXX XXXX XXXX, Nissan acceptance. CXXXX XXXX has report was updated to all three credit reports with different amounts, and currently still charging the account that was updates XX/XX/year>. Nissan acceptance says paid off but also still updating information to potentially in the negative which is causing the score to be low.
Product: Student loan

Navient my student loan servicer. Navient has been reporting student loans in deferment lowering my XXXX XXXX of over XXXX points in the process. A recent change in my credit report shows exactly how much they have been hurting my credit report. I have student loans for a very long time. Also, my income is low. As a result of low income I am forced into deferment because I can not afford the $ 1700+ monthly payments. I can not obtain credit due to Navient being a major factor in lowering my score. I would like to finish my XXXX XXXX XXXX. However, I can not get a loan
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

These questions are not related to me, and I have no connection with the creditors mentioned.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX Department XXXX XXXX XXXX XXXX, XXXXA XXXX Subject : FORMAL DEMAND FOR DELETION OF ILLEGALLY REINSERTED COLLECTION ACCOUNT VIOLATIONS OF FCRA, XXXX XXXX XXXX XXXX, AND CFPB CONSENT ORDER To Whom It May Concern : I, XXXX XXXX, demand the immediate and permanent deletion of the fraudulent collection account ( details below ) from my credit file. Equifax has repeatedly reinserted this account after disputes without providing legally required notice, violating federal and Texas law. This constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ) and the Texas Debt Collection Act ( Finance Code 392 ). 

Account Information Account Number : [ XXXX  or other identifier ] Date Opened : XX/XX/XXXX ( fraudulent, as Date Last Active is XX/XX/XXXX ) Status : Collection/Chargeoff and Late 120 Days ( conflicting labels ) Past Due : {$650.00} ( inaccurately reported for a future date : XX/XX/XXXX ) Violations FCRA XXXX ( c ) : This account was deleted on [ insert prior deletion date ] but reinserted without written notice. 

Texas Finance Code 392.304 ( a ) ( 8 ) : Reporting inaccurate information ( e.g., dates, payment status ). 

CFPB Consent OrdeXXXX ( XXXX ) : Equifaxs systemic failure to investigate disputes. 

Demands Delete the account permanently within XXXX business days. 

Send written confirmation of deletion and a revised credit report. 

Cease all unlawful reinsertions of this account. 

Failure to Comply Will Result In : CFPB Complaint : Highlighting Equifaxs violation of federal consent orders. 

Texas Attorney General Complaint : Under Texas Finance Code 392 ( deceptive debt collection ).

Lawsuit in Texas Court : Seeking statutory damages under : FCRA 616 : Up to {$3500.00} + attorney fees. 

Texas DTPA : Up to {XXXX  for deceptive practices. 

Enclosed Evidence [ Credit report excerpt showing the account ] [ Prior dispute confirmation ( if available ) ] Legal References FCRA 611 ( c ) : Reinsertion requires written notice.

Texas Finance Code 392.304 ( a ) ( 8 ) : Prohibits misrepresenting the character, extent, or amount of a debt. 

CFPB v. Equifax ( XXXX ) : Consent order mandating accurate reporting. 

This account is harming my ability to secure housing and employment in Texas. Resolve this immediately or face legal action.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXXL XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried reaching out to this bureau several times about account that do not belong to me! this info is fraudulent and i want it investigated and removed from my credit report please!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ( a ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Creditor did not provide options to opt-out of reporting. 

Obvious violations
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a buyer from XXXX purchased a digital game account from me for {$300.00}. Since I didnt have PayPal , the buyer suggested I create one, which I did. He transferred the payment, and after seeing the money in my PayPal account, I delivered the product to him. However, PayPal held the funds for 20 days due to account restrictions for new users.

I informed the buyer that PayPal was holding the money, and he agreed to wait. On XX/XX/XXXX, XXXX released the funds, and I transferred them to my bank account. Shortly after, I received an email from PayPal stating the buyer had requested a refund, falsely claiming he never received the product. I contacted the buyer, and he claimed that PayPal had flagged his account and forced him to request the refund, which was not true according to PayPal.

I reported this to PayPal, providing proof that the buyer had already received the account. I requested PayPal to block the refund, as the buyer was attempting to scam me. PayPal assured me they would investigate. However, after a few days, they closed the case and refunded the buyer despite the evidence I provided.

Now, my PayPal account is blocked with a negative balance, as PayPal refunded the money to the scammer. I had already transferred the funds to my bank, and now PayPal demands that I repay the refunded amount. They have escalated the issue to collections ( XXXX ) XXXX which is unfair as I acted in good faith, provided evidence, and PayPal mishandled the situation by siding with the scammer from XXXX. I believe PayPals negligence caused this problem, and they should suspend the scammers account instead of demanding payment from me.