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

In 2016, my account with Discover Card was closed for default. Rather than sending the account to collections, Discover chose to forgive the debt and I was sent a XXXX As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, Discover continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to dispute our mortgage payment with Experian. I subscribe and pay for a monitoring service, which is supposed to enable me to have access to my credit report as well as an easy method to lodge a dispute. Neither is happening. 

I can not dispute my credit report through the online portal of my subscription service. Furthermore, I am unable to go to their dispute website to dispute the account because it claims I do not have a current copy of my credit report. I do have one - I am paying for their service and I have a current copy. 

I am attempting to dispute our mortgage payment which was marked 30 days late as of XXXX XXXX. They are not allowing me to dispute this account. The account was not paid late.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX was sold. I called them and was told this debt is no longer valid and that it should not be on my credit report as of XX/XX/year>. OVER 7 years later later and it is still on my report. THIS XXXX XXXX XXXX  XXXX  NO LONGER EXITS. I HAVE DEMANDED FOR THIS INACCURATE DEBT THAT I DO NOT OWE COMENITY GN SMILE needs to be removed immediately. This is fraudulent activity on Experian and XXXX. I am going to sue these credit bureaus if they continue to fail to do their job. Remove this from account. There is a zero balance charge off since XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX {$16000.00}
Product: Debt collection

To : CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk State Bar ; About XXXX XXXX XXXX XXXX  months ago, I received a phone call asking me if I was XXXX XXXX. They hung up. Then a large collection account was added to my credit profile. I filed a dispute via all three major credit reporting agencies. I requested proof and evidence. The only proof and evidence that was provided to me was a computer-generated signature. A couple of weeks ago, I made another attempt of getting this removed from my credit reports by emailing this law firm and XXXX themselves and requested some holiday compassion to forgive this debt due to permanent XXXX I am a 100 % XXXX XXXX XXXX XXXX  Law firm Vance and Huffman llc has NOT responded. Today, XXXX did reply via email. They stated they could not help because the debt now belongs to XXXX XXXX XXXX. This is the first time I have heard XXXX XXXX XXXX. Vance and Huffman LLC has NEVER mentioned they are representing XXXX XXXX XXXX or any other collection agency. After speaking with XXXX on the phone, they informed me this is a XXXX ( XXXX ) year old debt that I DENY. On the credit report notes, Vance and Huffman llc states this is a XXXX ( XXXX ) month old debt. That is incorrect. Vance and Huffman llc has intentionally behaved unethical, irresponsible and committed FRAUD by intentionally providing false information to the credit reporting agencies regarding the amount and the original date of this alleged collection. FDCPA violations.
Product: Credit card

I was involved in identity theft and several credit cards were opened or tried to be opened in my name. Several I was denied, and letters came to my house for denials. These were opened in my name, and I have been sent bills to pay that I was never aware of having these cards opened or using them.

I have not paid any of these, I want them cancelled, my name removed from them, and any derogatory marks removed from my credit score. 
Citibank I had a card with them that was paid off to close that account, a second card was opened fraudulently in my name that I never requested. I contacted them after receiving a bill on XX/XX/XXXX for {$830.00}. I do not remember what date I contacted them. I received a letter on XX/XX/XXXX stating they were investigating the bill. I called them around that time and talked to a fraud department supervisor and she realized the second account was fraud. She assured me the account would be zeroed out and closed. I have received a couple of letters stating it was XXXX balance and one saying they were not taking balance off and I am liable. So I do not know if it was properly taken care of, as I tried to call again early XXXX and I was never able to get through to anybody as I do not have enough information on that card. They put me in collections. I would like this card cancelled and removed from my credit report as well. 

I have been told not to pay any of these fraudulent accounts by federal agencies, as I am not liable. This is why they are in collections. I pay all of my legitimate bills on time and before all of this happened to me, my credit score was XXXX.
Product: Credit card or prepaid card

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I want to put a complaint because my card is blocked and the customer service is abusive. I just got approved for unemployment insurance and I can't even enjoy the benefits of having this card and having access online, which defeat the purpose of Bank of America offering this service. 

On Monday XX/XX/2020 I receive a couple of emails and text messages indicating cash was loaded. Tried to log in but I couldn't remember my credential, tried to reset the password and retrieve my username but the system kicked me out and I left it as it was because it was to late and went to sleep. 

On Tuesday XX/XX/2020 I went to a Bank of America branch to withdrawal XXXX out of the card and didn't do anything else. 

On Wednesday XX/XX/2020 I was finally able to reset the password and go online. When tried to add my bank information the system didn't let me saying it was invalid. Second time said my card was blocked. And third time that is was closed. Right now I'm trying to connect with customer service, so far I talked to the first 2 ladies but I didn't take their names ( Supposedly the first one transferred me to the second one because I needed to be handle by fraud department ) The lady on fraud department started asking me tricky questions like everybody else and I don't have a pet, and if I put that as a security question for myself they shouldn't know or ask about it, she ended up hanging up on me. I called again and XXXX got the call this time, she transferred me again to XXXX with fraud department and this last one said he was not able to handle the call because it was a risk situation. I said don't transfer me again, I want to talk to your supervisor. He declined at first and said he could file a complaint for me to be contacted. I said no a complaint is what I'm writing right now and is different from what I'm asking you to do. XXXX pretended to be looking for a supervisor and came back to the phone just to say the same and sound like a broken record, I said no again and he went looking for a supervisor again. XXXX ( manager ) finally came to the phones and said she will warm transfer my call not to get hanged up again, but she still transfer my call without talking to someone in Risk before. I have been in the phones for over 2 hours. I want to file a complaint against XXXX, XXXX, XXXX and their managers too. 

I filed for my unemployment on XX/XX/2020 and had to wait almost 5 months just to be treated like this, like a fraudster. I can't use online services like adding my bank information or card because I'll be blocked immediately. I still don't know why Bank of America is offering this services if I'm not able to use it.
Product: Debt collection

I file this complaint today on Innovative Recovery Inc. On  behalf of XXXX XXXX XXXX. I have been denied for certain promotional move in prices on apartments due to a balance being reported that was paid prior to being sent to collections. Despite my efforts to get this removed the collection has remained leaving a negative impact on my credit score that could never completely be repaired.
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 USB XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 an 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.
Product: Credit card or prepaid card

On XX/XX/XXXX my SSI check in the amount of {$840.00} and on XX/XX/XXXX for {$750.00} was deposited in a NetSpend account. When I tried to access my funds I was denied. Since XX/XX/XXXX I have been told the following versions of why I can't access my funds. First the request was for a copy of my SS card and my funds would be released. Once they received it they then wanted proof of address. Having been XXXX  I asked if a benefit letter from the DS Administration would suffice and was told yes. I received the letter XXXX weeks later, sent it in digitally and it was rejected as unacceptable. ( NetSpend sent my card to the same address ). I asked what would be acceptable since I had no bills being XXXX. I was told a letter from my XXXX XXXX XXXX would work. I provided a letter sent by XXXX on XX/XX/XXXX. I was told this morning that isn't acceptable. I have requested access, requested a check, and requested them to return the funds to the SS Administration and was told without additional proof of address they can't. They strung me along all month till my next benefit payment was also sent to my account totalling now just over {$1600.00}. I have filed a complaint with the FTC and the Florida Attorney General 's office which provides me this link. Attempts to contact NetSpend now result in disconnection every time and I need help. I have no money for even the basic hygiene products. I read online that the FTC took NetSpend to court in XXXX for the same reasons. They were ordered to pay out {$10.00} XXXX dollars.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHEMENTS - I JUST CHECKED MY CREDIT FOR THE FIRST TIME AND REALIZED I HAVE BEEN A VICTIM OF THEFT AND DATA BREACH THERE ARE INQUIRIES THAT ARE NOT MINE NEVER APPLIED AND FILLED ALSO AN IDENTITY THEFT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX PLEASE HELP ME THIS IS WRONG
Product: Debt collection

SYNCB/ JC Penney account is from XX/XX/2011 payments were made for a while and then account was closed and charged off I contacted the company and it was suppose to be removed disputed on XXXX  a few years ago.
Product: Checking or savings account

Wells Fargo is the worst bank ever, there verification department released funds off of a check in which was available and then reversed it. This bank has numerous complaints. They need to be give fines for these type of actions.
Product: Checking or savings account

Regarding my claim XXXX filed with capital one on XX/XX/year> : I sent in supporting documents immediately to show my transactions were paid by other means ( with a different card from another bank ) to the email provided by representative XXXX : XXXX XXXX ] The representative who assisted me also confirmed a credit would be applied to my account once documents are received ( with XXXX hour time frame ). 

This complaint is being submitted to confirm Capital One follows banking regulations and applies credit to my account within XXXX business days. I will also need this bank to reach out to me first if anything additional is needed, before closing out the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by means the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Account # XXXX account was paid XX/XX/2020 and was advised it would be deleted off credit report.
Product: Credit reporting

Transunion continues to post a report of a duplicate negative report from XXXX XXXX XXXX Transunion # XXXX despite my continued complaint that this account is in Arizona, and not XXXX account. I have no account with XXXX XXXX, and I owe NO money to XXXX XXXX. Arizona is the originator of the account, and should be the only XXXX reporting to the credit bureau. See attached XXXX credit report showing the reporting of the account which was also reporting twice the same account. This was recently cleared up. I was just turned down for a credit card with XXXX on XX/XX/2016 due to my credit. See attached. This incorrect posting of this account can affect my job prospects as well. The facts are that I have overpaid my Arizona child support by {$8000.00} plus dollars, but that 's another story. Please take into account my XXXX years of military service of this country, and how I must feel being unfairly punished by this misreporting, and seemly impersonal process by Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : You are reporting and publishing inaccurate information ( tradeline ) AND ( inquires ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities. 

The following account you are publishing about me is inaccurate because under 15 USC 1692 you are in violation of my consumer rights. 


CHOICE RECOVERY XXXX I request that you delete the above-listed tradeline, inquires and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification under 15 USC 1692g. 

For identification purposes, my social security # is XXXX and my date of birth is XX/XX/XXXX. I am enclosing a copy of my identification as proof of identity and mailing address. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 

Your prompt attention to this important matter is requested in compliance with federal law. Everything stated above is under the penalty of perjury and the other specific language that accompanies this letter. 

Regards, XXXX XXXX XXXX --
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my right

s, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sterling Infosystems has a pattern of putting derogatory information which may belong to one individual onto other family member files. That they have a pattern of failing to timely investigate matters and purge derogatory information on a timely fashion. 

On XX/XX/18 I was provide a copy of a background report provided to XXXX  On XX/XX/18 I submitted a certified letter disputing the information and requested it be investigated and as of XX/XX/18 Sterling Infosystems has not responded
Product: Checking or savings account

XXXX XXXX XXXX, so I filed a dispute against XXXX XXXX on XX/XX/XXXX. I filed the dispute because I received the wrong order of groceries, and XXXX acknowledges that I received the wrong groceries!! They tell me to go dispute the transaction and so I did. The dispute number is XXXX. Okay, so I contacted chime to day, and I received a interesting email 9 days into the dispute! Chime tells me the dispute is closed and denied!! Im checking and the dispute is still open, but its denied! I contacted chime thru phone and they its open, but Im told the dispute is denied. As a chime customer this is saddening, and frustrating because I dont know if theyre actually trying to help me get my money back!! Im not in the wrong here, XXXX made a mistake, and I go to chime, and it seems theyre not willing to fight this charge and get my money back!! This is an unappreciated and discouraging experience!! I expected better from the bank I put my money and my trust into!! Ultimately, I need chime to get my money back!! I dont need to be screwed over!
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent over information inregards to inquiries that are n't mine. Not only did I mail them I faxed the same information over to them. I also disputed a few accounts and spoke with someone in the US handling department inregards to this same matter with the inquiries. I also have a bankruptcy that keeps coming back verified. I contacted XXXX XXXX  which I am not located in their systems. I have contacts transunion several times with these issues and nothing has yet to be done. I have also asked transunion for written proof of verification and was told they do n't have any. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquires Transunion XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX  XX/XX/2016   XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a Federal Civil Court Complaint and Subpoena for XXXX, XXXX, and Experian to produce all information and documentation used to perform the requested investigation and reinvestigation of the XXXX XXXX XXXX XXXX credit card account that is reporting to my consumer credit report. I am not disputing the existence of this account but who it belongs to. According to the Fair Credit Reporting Act, a trust is NOT a consumer and if the trustee who opened the account for the trust was in the capacity of a business, that is not a consumer either. None of the agencies have provided any documentation to support the investigation to validate this dispute. They are violating USC Title 15 section 1681 ( please see attached Complaint for a Civil Case ).

Please see attached active Civil Complaint, letters, Subponea, proof of mailing for dates and proof of actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XXXX, XXXX. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner.
Product: Money transfer, virtual currency, or money service

XXXX suspends my google pay fa no reason abd i have money in account its a error on they end when u fill out fourms u get a email message from google pay support and automsted message saying u fiiled out wrong form no matter wht whit proves they system is automated and has no real people trying fo fix simple issie i uploaded identification and payment proof plus yall hold my money which is not legally yalls ground for a big law suit
Product: Credit reporting or other personal consumer reports

I filed a XXXX XXXX XXXX petition on XX/XX/2023. The XXXX account is part of my XXXX XXXX XXXX. This company keeps reporting inaccurate information of late payments to my XXXX credit bureau from XXXX, XXXX. The XXXX was XXXX in XX/XX/2023. I have produced the XXXX  XXXX information and Recission document which shows XXXX is included in the XXXX. The late payments should be removed, and it showed show on my end XXXX  XXXX. The XXXX rep said he could see from his end that the file does indicate a XXXX XXXX XXXX for this account. However, when I pull the report it shows with past due payments from XXXX until current with a balance owing. I have tried several attempts in speaking with XXXX collections and XXXX  department with no success. The other XXXX reports are updated according at XXXX and XXXX.
Product: Debt collection

I had insurance. And I reported the debt to this company and the company charged me XXXX!! They charged me XXXX more dollars to my credit now they are saying I owe them XXXX and its overdue. I dont owe them nothing and they cant charge me XXXX firstall. What is going on with this company. Why are they charging me AGAIN! I have insurance so why isnt my insurance covering it. This is HORRIBLE! PLEASE HELP ME.