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

I submitted a dispute to Experian, XXXX, and XXXX on XX/XX/XXXX and now again on XX/XX/XXXX. The bankruptcy information came back as verified or accurate and this is not correct.I informed them that the public records information should be removed due the laws below. 
15USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to any of these bureaus to obtain this information.

Also, 15USC1681 ( q ) states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. without written consent of this information makes obtaining this information under false pretenses from the agency or its furnishers.

18USC1028a ( 1 ) states that ( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

The courts have informed me that this information was not reported to the credit bureaus and therefore this information can not be updated or accurate if the source is not furnishing this information. without written consent of me the consumer this information is not lawfully furnished on my credit report. which is a violation of my rights. I request that this information be removed immediately. 

U.S. Bankruptcy Court Type : Chapter XXXX Bankruptcy Status : XXXX Reference # : XXXX Asset Amount : {$0.00} Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX Liability : {$0.00} Exempt Amount : {$0.00}
Product: Debt collection

I had an account with XXXX XXXX XXXX XXXX for several years. They offered me a new phone. I agreed to their offer. 
They told me they would ship the phone to me within a week. After a week I had not received the phone. I called them and they told me they showed the phone as delivered to me. I told them I did not receive the phone. They said, " When the phone shows up, we will reimburse you for it. '' I told them I was not going to pay for a phone I did not receive. 
They told me I had to. I refused, and told them to cancel my account. They told me they would submit the transaction to my credit report. I have tried to have it removed from my credit report with XXXX and XXXX. They claim it is a valid bill.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block.inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2023, I reported my capital one quicksilver card as lost and requested a new card to be issued. 

Capital one responded to the request immediately and stated they would issue a new card. 

Accordingly, in the capital one application, I use to manage the cards, I saw the new card. As I receive a small cash back for using the card, I linked the new card to my XXXX pay account in order to continue using it as I have in the past. 

When I tried to use the card it did not work. Instead, I had to use my platinum capital one credit card to make the same exact purchase. I called capital one to figure out the issue and they alleged fraudulent activity. They asked me for the front and back of a picture id in order to verify my identification. 

I informed them that I would not send them anything of the sort, as they did not have any of that information on file at the time I applied for my platinum capital one account or my XXXX capital one account. After speaking to a customer service representative and supervisor, they both refused to verify my account via my birthdate, social security number, and/or the last XXXX transactions on the account. 

On XX/XX/2023, I called back and went through the same process. This time when I spoke to the manager, I asked him to access my platinum account and asked him specifically whether they have my photo identification anywhere in their system. He responded no. I asked him whether they have my date of birth and my social security number. He responded yes. I asked if generally could they verify me via my date of birth and/or my social security number. He stated yes, generally they do. However, in this situation, they needed photo identification. I then asked where in the Terms of Service agreement did I agree to provide photo identification. He could not tell me other than stating generally they could ask me to verify my identity. I informed him I could provide my date of birth, my social security number, and the last XXXX transactions. I could also offer transactions on specific dates if they needed it. 

At every turn, I was rebuffed and told they needed my photo identification. I told them I believe they are engaging in illegal data collection by now asking for photo identification to be uploaded, emailed, or mailed to them when they did not require it when I opened the account. 

They refuse to unlock my account unless I give them my photo identification for them to store when the initial terms of our agreement required no such photo identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some issues with addresses on my file that are not accurate. My XXXX XXXX. XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/1963, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Mortgage

We closed a home loan refinance with Mr. Cooper ( Nationstar Mortgage XXXX, XXXX Mr . Cooper. ) on XX/XX/2020, when their notary came to our home for us to sign the loan documents. From that moment, I asked the lender to send us a copy of the signed documents. Their first response was " Oh yes we dont give the signed copies '', after I insisted that I wanted a copy for my records, their response on XX/XX/2020, was " I can request a signed copy be sent to you via XXXX but please allow some time to receive this thank you ''. 
I emailed again on XX/XX/XXXX asking for an update on the signed loan documents, never heard back. Called their main number on XX/XX/XXXX, spent 40 mins on the phone from one person to the next without a solid answer. 

We are not asking much, just a copy of the signed loan documents for our records, as it is the only way we have to defend ourselves from any unilateral changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated my rights to privacy as a consumer. Resulting in cause to my reputation as a consumer. According to 15 usc 1681a ( 2 ) a consumer report does not include any information solely as to transactions or experiences between the consumer and the person making the report. Furnishing lateness is reporting transactions or experiences between the consumer and the furnisher of the information. Experian is violating my privacy as well as causing damage to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft because I have been XXXX for the last 10 years and it is no way I am opening accounts and leaving them delinquent if I am in XXXX. Someone is taking advantage of my situation and I would like all negative/fraudulent accounts listed be removed from my consumer report per 15 US Code 1681c-2 Block of information resulting from identity theft. Also according to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " 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. '' They have not been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.
Product: Checking or savings account

I had set up a transfer of funds from my account at XXXX XXXX XXXX XXXX into my checking account at USAA Bank. The transfer was done through XXXX on XXXX XX/XX/2019 via electronic Check Transfer in the amount of {$220.00}. The money was in fact sent by XXXX XXXX XXXX XXXX and received by USAA Bank on XXXX XX/XX/2019 with the Check Clearing and the funds debited from my XXXX   account on the XXXX of XXXX. ( See Canceled Check ). My USAA account was never credited with the transferred funds. I called USAA Bank 4 times. XX/XX/XXXX, XXXX, XXXX and XXXX. They first claimed the check never arrived. I had previously received and uploaded a copy of the cancelled check to the USAA Web site. USAA told me they couldn't see the uploaded Check. The 2nd time I called they claimed the transaction was rejected and they check was never cashed. I Emailed XXXX XXXX XXXX XXXX that night who responded and verified the bill pay transaction. XXXX confirmed to me the check was sent/transferred and cashed by USAA. The 3rd time I called USAA once again were back telling me they never received the check transfer on the XXXX of XXXX. The 4th and last time I called I had previously asked for and received assistance from XXXX XXXX XXXX XXXX and XXXX. I was actually on the Phone with a representative from XXXX XXXX XXXX XXXX and XXXX XXXX when I called USAA Bank. The USAA Customer Service Supervisor said they were able to see the check but could not validate it was cashed. Argued with the XXXX XXXX representative on the Phone and refused / would not credit my USAA Checking account. USAA stated they would have to call me back within 3 business Days while they further looked into the matter. USAA never contacted me by mail nor called me nor have they credited my checking account as of today, XXXX XXXX, a full 30 days after the check transfer was received and cashed.
Product: Student loan

XXXX payment made through advantage payment portal with my information. 
XXXX reversed. 
XX/XX/XXXX payment made XXXX, ( emails state payment was reversed ) XX/XX/XXXX payment made. Email states payment was reversed ( advantage states it has not been reversed yet ) XX/XX/XXXX bank account information deleted and reentered. New payment made. Still processing Advantage customer service states the payments werent reversed but the emails state they were AND my account is delinquent by two payments
Product: Debt collection

I get repeated calls from Capital Accounts regarding collections for a medical debt of ~ {$50.00} ( from XXXX XXXX XXXX XXXX XXXX in XXXX ). I have formally disputed the charge, as I do not agree that XXXX XXXX    XXXX should have sent any bill at all. I have always paid all my bills, and of much larger amounts.I keep getting calls, and I have repeatedly requested agents from Capital Accounts to stop calling me. However, they keep calling, and are rude, and it seems their only goal is to harass me. Here is a brief summary : 1. I have a child with XXXX XXXX, and it takes specialized experience in dealing with such children to be able to Consult and treat them 2. When I took my daughter ( my son 's sister ) for her annual exam, I inquired at the office, and they informed me that their doctors have experience and will be able to examine my son 3. When I visited them with my son, the doctor was unable to do any exam on my  son and finally gave up saying he needs to be examined under XXXX. 
4. They handed me a 'treatment plan ' that required me to pay thousands of dollars. 
5. Subsequently, they sent me a bill saying that since they were not able to do a comprehensive exam ( which is covered by insurance ), they called it a limited exam. My point was that the doctor never really examined the child at all - and the doctor clearly had no experience dealing with Children with XXXX XXXX. Something the office made me believe to set me up for the appointment. 

In light of the above, the charges on this bill are fraudulent, and I should not owe them.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX DOB : XXXX Experian National Consumer Asst. Center XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX- this account date of last active is out dated & wanted removed & BANK FURNISHED STATEMENTS NEEDED IF NOT REMOVED XXXX XXXX- THIS ACCOUNT IS OUTDATED & over 7 years please delete due to inaccurate information & date last active is incorrect out dated over 3 months. REPORTING OUTDATED INFORMATION XXXX XXXX THIS ACCOUNT IS OVER 7 YEARS OLD NEED REMOVED DUE TO OUTDATED VIOLATION. REPORTING OUTDATED INFORMATION Please remove this items due to inaccurate information hurting me I am awaiting your response and an updated copy of my credit report within thirty days as required by the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I would like a full investigation on Equifax. I have asked for documentation to support the delinquencies and late reporting on my credit report. My score has not been updated nor my credit reporting. The only way to get his resolved is to remove my false late reporting, delinquencies and account balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have my name address and number and dob all wrong in credit runs
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed inaccurate and inconsistent reporting practices on my credit reports across the XXXX major credit bureaus from Regional Acceptance Co.. The account in question is presenting discrepancies in several key areas, which I believe require your immediate attention. 

Specifically, the high credit amount for this account is not being reported at all, which is a crucial data point missing from my credit history. Furthermore, the date of last activity and the last reported date are inaccurately reflected across each of the XXXX credit bureaus. For instance, the date of last activity is reported as occurring in XXXX on one credit bureau and in XXXX on another bureau. This inconsistency is causing significant harm to my credit report and overall financial standing. 

The account type and account status is reporting different on each bureau. 
The duration of loan term on this account is not reported on 2 credit bureau. 
The date of last payment is not even report on none of the credit bureaus. 

These discrepancies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and constitute defamation of character. I request that this account be immediately removed from my credit report to prevent further damage to my reputation and financial health. 

Please see the attached screenshots that provide evidence of the inaccuracies across my credit reports. I urge you to act swiftly to rectify this matter by removing the account from my credit report as soon as possible.
Product: Debt collection

I never received a bill for the collection that I am having issues for. It is for XX/XX/2018 due to a car accident at the fault of another person. The bill was for {$2000.00}. XXXX ( XXXX XXXX at XXXX ) said she has attempted to get an itemized bill from the original biller and this collection agency so that she could pay it and never received it. Assetcare collection agency has been contacted numerous times since XXXX by me and XXXX ( my car insurance ). I had never received a bill for this with the multiple request. I called again yesterday to see if they could fax an itemized bill to my insurance company so that they could pay it and they said they had never been requested for an itemized bill. She stated she could see where I have called numerous times but didn't see anything about the itemized bill being requested. They also stated that they could not send an itemized bill to XXXX. I stated I would still like one sent to me so that I could fax it to her. This has been going on since XXXX. It has been sent to my credit report even though this account has been attempted to be paid by XXXX, however, no itemized bill has been sent. I never received a bill for this and three years later it is being sent to collections. XXXX has not sent an itemized bill after multiple request.
Product: Credit reporting or other personal consumer reports

Unable to retrieve my credit score through Equifax after mailing in my documents to verify my identity.
Product: Credit card

I have been trying to pay down credit cards. I have automatic payments set up. I looked at my Chase account app and it says my account is closed. I called to find out what happened and was told that they mailed me something, but I have not received anything. They wont give me the information over the phone and said that they will mail me another letter. I live in XXXX XXXX, XXXX  and the mail is unreliable.
Product: Debt collection

my identity was stolen and I have debt collectors calling me & harassing me. I tried explaining I don't know the Company but they think I'm lying which upsets me
Product: Debt collection

Original creditor, XXXX XXXX XXXX XXXX is paid in full, Credit Control Corporation, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX, is fraudulently stating an in-accurate amount owed, and account status.
Product: Debt collection

My previous complaint : XXXX SUBMITTED ON XX/XX/2020 PRODUCT Debt collection ISSUE Written notification about debt. 

I have received another letter regarding LVNV Funding as current creditor, but from a different company. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX, XXXX. 

The letter is dated XX/XX/2020. It is alleging I owe {$530.00}. As I stated in my previous response letters and in the previous complaint ; 1 ) I am disputing that I owe them any debt.

2 ) The dates provided of the alleged debt are past the statute of limitations. and 3 ) I want the letters to cease and 4 ) I want all collection activities as it relates to this alleged debt to cease.

5 ) Finally, I would appreciate a direct response to my request and complaint. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My purse was taken during a community event in 2018. I was advised by law enforcement to monitor all of my accounts in the future. I contacted the credit bureaus and advised them of what had taken place. I recently pulled a copy of my credit report and noticed a account and inquiries that I have no knowledge or affiliation with. These accounts and inquiries have been authorized due to someone having access to my personal information. 

I have the right to privacy, furnishing accounts to my profile without my written consent is in violation of 15 USC 1681B.

After researching this accounts, this account is being furnished due to identity theft. Furnishing any account to my profile in direct relation to identity theft is in violation with 15 USC 1681 c-2
Product: Checking or savings account

Account : High yields savings account Company : Marcus by Goldman Sachs Length of account : Opened XX/XX/year> On XX/XX/year> at XXXXXXXX XXXX, I received an email regarding my statement preferences being changed. I did not make a change in my statement preferences, and when I tried logging into my account, I was temporarily locked out. I called the XXXX line, and I was told that it might have been a glitch ( in regards to the email ) and I had to return the next day during normal business hours for further clarification on my account. 

Around XXXX XXXX on XX/XX/year>, I called again and was told my account was being forced closed. I asked for the reason why my account was being forced closed, and they told me that they could not provide me with the exact reasoning. I have {$2000.00} in the account that I can not access. I have been told it will be mailed to me, but when I called again, they told me that they would send it back to the originating account.

Marcus by GS will not give me any clarification on a timeline or when will I receive my money back.
Product: Mortgage

Sometime last year in XXXX we made a house payment like normal to XXXX XXXX mortgage which is now named XXXX XXXX XXXX, and then we got XXXX bank fees because the company tried to take the payment out a second time. When we called to tell them what was going on they said our account was on auto pay so its trying to take it out again. The lady on the phone told us that in their system it said the payment was processed twice and we didnt owe until the next two months cause we paid twice. We told her that doesnt make sense cause it was only taken once from our bank. And she said no Im her system it shows two payments. So we asked her to fix it and she ended up refunding us back our money from the original payment. Then we got a letter in the mail saying we were 30 days late because she somehow messed it up more. We called and asked why we were refunded when only one payment came out. We didnt ask to be refunded we asked her to fix it on the system cause we did not pay twice. But by now it was telling us to pay double so we were stuck for months trying to pay double. After we fixed that months later we were in the next year. We left the account on auto pay and there was a time it didnt process. It was the month of XX/XX/XXXX. Usually a payment would start processing a few days before the first and itll come out exactly on the first. It was already the 6th and no payment came out automatically so we called and asked what happened. The representative said somehow we were taken off auto pay. So we went ahead and paid it over the phone and she put it back on auto pay.

The very next day another payment came out again. So we paid the mortgage twice nexuses she screwed it up. Not everyone has two mortgage payments laying around to be playing with like that. So we called and a different representative has a major attitude and said of it was a weekend autopay wont process till after that. It still didnt make sense cause it was almost a week later. But either way the representative from before said it was off air pay c
ompletely. At this point we are frustrated and told them we need that second payment back cause we still have to pay bills. They said the will issue a refund through check and itll be here in 5-7 businesses days. We are in XXXX now with no check and another payment is being taken out again for XXXX when they still have our other payment from XXXX. We called many times through XXXX asking where our refund is and the manager said she would just overnight it. Still no check in the mail and we are being charged yet again and it says we owe for XXXX when we still dont even have our refund back. We called today XX/XX/XXXX and they said it was sent last Friday but theres no tracking information. This mortgage company has screwed us over many times and no ones has ever tried to really help us and they think money grows on trees and they are rude and Ive seen they had horrible reviews. I would sue this place if I could.