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

This account was opened at an address previously owned by me ( XXXX-XXXX  ) and sold 10 years prior to the account being opened ( XX/XX/2016 ). The issuing company stated that all mail was sent there, however, because I had sold the property 10 years prior to, I would have had no idea that someone opened an account fraudulently in my name. In addition to this, this account was opened around the same time that I was notified that I was a victim of the mass security breach within XXXX  credit services. By comparing my credit history with all other accounts that I have opened, it is clear that this is not the type of history that I have built. Why would I spend as little as {$300.00}, not pay it off and let this linger on my account for 7 years and negatively affect my credit rating for such a small amount of money, when all other accounts have been paid satisfactorily over this time? I have requested an investigation by JPMCB, but their only response is that " because the statements were not returned to them, they deemed the account valid. '' They did not compare dates of the address that the account information was sent to or acknowledge that the statements were sent to a property I hadn't lived at in 10 years. I have been unable to get them to respond to any further information regarding the account. I have filed disputes with all three credit reporting agencies, but unable to get any response, other than a statement that the issuing bank has deemed this creditable.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Account number : XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card

My wife and I have received credit cards and statements from credit card companies addressed to someone else to our address. We have lived in our new home for 3 years this XXXX. No one else has lived at this address. This is a new address/new home in a new subdivision.
Product: Credit card or prepaid card

XX/XX/XXXX while sitting in my office in XXXX MI Capital One called me and stated that there were 6 charges being made right now at a XXXX store in XXXX XXXX MI. Total amount {$3000.00} The total was done as follows : {$500.00} {$500.00} {$530.00} {$500.00} {$500.00} {$500.00} Of course it was fraud I said shut it down. They removed the charges only to put them back on because when a Capital One representative and myself spoke to a XXXX fraud representative he argued the credit card had a chip so the charges could not be fraud. An actual card was used. That means nothing. Cards can be made and are not checked against ID at this retailer. Since XXXX I have had this on my statement. They refuse to remove charges permanently. I have talked to both XXXX and Capital One without resolution and without the removal from my statement and credit.
Product: Debt collection

This is not a know debt collection company to me and has been reported as fraudulent online. 

They have contacted me from multiple different phone numbers 5-10 times a day until XXXX. They are harassing me at this point and I have no clue who they are or what personal information they have. 

I have blocked 3 of the phone numbers to stop the repeated calls but they keep calling from different numbers that all say CBE group. 

This is now the 4th number they are calling from and will call once an hour.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

Dear CFPB, I am writing to dispute the erroneous reporting of an account by Experian that I believe are in violation of the Fair Credit Reporting Act ( FCRA ) as mandated by Congress.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccuracies in my credit report. The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX established that consumers have the ability to challenge the legitimacy of debt account that is not accurately reported. In my situation, the charge-off listed on my report does not accurately represent my current obligations. 

Additionally, according to the Fair Credit Reporting Act ( FCRA ), information that is inaccurate, incomplete, or can not be verified must be removed from consumer reports. 


The account in question are : 1. Police and XXXX XXXX XXXX XXXX, account ending in XXXX The account is listed as charged off and in collections on my credit report, which is INACCURATE and misleading. 

According to 26 CFR 1.6050P-1, any applicable entity that discharges an indebtedness must file an information return on Form 1099-C with the Internal Revenue Service when certain criteria are met. Specifically, I have enclosed copies of Form 1099-C that were issued to me by the creditor, indicating that the debt associated with this account have been canceled or forgiven.

The issuance of a Form 1099-C is considered prima facie evidence that the debt has been discharged or CANCELLED by the creditor, as established in case law such as 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 It would be inequitable to allow the creditor to then subsequently attempt to enforce the same debt after receiving the tax benefit of the " charge-off. '' Despite the issuance of the Form 1099-C, Experian continues to report these accounts as charged off, which is inaccurate and misleading. This reporting is in direct violation of the FCRA, which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 U.S. Code 1681e ( b ).

I hereby request that Experian promptly update its records to reflect that these accounts have been paid in full and have a balance of {$0.00}, in accordance with the evidence provided by the Form 1099-C. Failure to do so would constitute a violation of the FCRA.

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Checking or savings account

Two unauthorized debits from money market account in two consecutive months by " Shop Your Way MC ''. 
( 1 ) XX/XX/2020 = {$20.00} # XXXX ( 2 ) XXXX XXXX, 2020 = {$22.00} # XXXX We tried to call " Shop Your Way '' but needed to give them our MC # ( We do not have a MC with them ) or our SSN ( No thanks ) Our bank is handling this problem but we want others to be warned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXX XXXX  XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.
Product: Money transfer, virtual currency, or money service

2 months ago, I sold my crypto currency on Coinbase for USD. I am unable to add my bank account to transfer my funds. I receive the error message you are unable to add a bank account at this time, please contact customer service I have spoke to countless customer service representatives about this issue, provided all documentation they are requesting, selfies, answered every single question theyve asked, etc. only to be continually given the run around from every single rep that they are addressing the issue and will get back to me within 3-5 days. They simply do not follow up. I then reach out to another representative and this ridiculous cycle starts all over again. This is absolutely criminal and predatory on Coinbase. They are intentionally and purposefully withholding my money under the guise that they need additional documentation on my part which is false as Ive provided everything and have been more then compliant.
Product: Credit reporting or other personal consumer reports

These accounts are recorded in an inappropriate way in my history, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have texted the representatives that call through personal numbers as well as advised them of financial issues I'm having. I will be making payments as soon as I get back on track. Yet I get at least 2 calls a day Monday- Saturday and text messages. And just today XX/XX/year> a women came to mu home and gave information rudely to my XXXX yr old daughter about them trying to get a hold of me. Let me a voicemail threatening to send a collector to my house.
Product: Credit reporting

tax lien on my credit report that is not mine. 
so please remove from all XXXX credit reports. 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I had made payment arrangements with the company credit acceptance for my car payment. 
The payment arrangements were considered as to breaking initial payment arrangement which was initial car payment regardless of the on time in full payments that were made due to the payment arrangements created the company has shown late or no payment for almost 2 years and has resulted in damaging my credit and ruining any possibility of me moving ahead. 
The company overcharged me on the XXXX to begin with extremely high interest and one of the few companies that took no regard to the pandemic and in a time or parallel left people with no options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.
Product: Debt collection

A medical bill was transferred to this company after the doctors office filed it incorrectly. I started making payments in good faith while I fought with the insurance company over the payment of the bill. Upon the successful discussion with the insurance company, I was notified that the insurance company paid the bill in full. On XX/XX/2017 I spoke with Transworld and it was requested that I send the notification ( EOB ) from the insurance by fax. I sent it at XXXX that day. I called back on XX/XX/2017 and was told the faxed document had been received and I would be contacted on XX/XX/2017 and told the status of my refund of the payments that I had made up to this time. I never received a call back. I called again the morning of XX/XX/2017 and was told that they had no record of me or my account. I called back again and was told the fax had not been transferred to the needed department and they asked if they could call me back in a couple of days.
Product: Debt collection

As of XXXX of XXXX my lease end at a {$0.00} balance and was paid by government agency through XXXX XXXX  when I reach out to XXXX XXXX XXXX XXXX  they acknowledge I do not have a balance with them and they dont have no acknowledgment of the reported balance and this was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. 
Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
They're not accurate not even close. Please delete/remove the following : 1.XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXX XXXX # XXXX Never done Business with this company please delete/remove. XXXX & XXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.
Product: Credit card or prepaid card

I closed one of 3 Citibank CCs. Subsequently, Citi sent me an offer to open a new card promising XXXX XXXX miles if I used the card to pay {$3000.00} in bills in 3 months. 

I opened the account, used the card to pay {$3000.00} in bills -- far more than that -- and never received the miles. 

After raising the issue Citi claimed that I should have noticed the small print stating that I would not receive the points if I had closed a card or opened a card within 2 years. Of course, they knew that I had done that before they made the offer. They have my contact information but made the offer anyway. 

Legally, this is fraud in the inducement. The elements are 1 ) a promise is made, 2 ) the plaintiff acts to his detriment on reliance on the promise and 3 ) the plaintiff is damaged. 

If they had been truthful I would have use the Citibank XXXX card and received benefits. 

I lost the promised benefit of XXXX miles and also lost the benefit of using the XXXX card instead. 

They owe me XXXX miles.
Product: Student loan

A payment was made to my student loan account through XXXX XXXX ( a payment vendor for XXXX XXXX XXXX ) on XX/XX/year> in the amount of {$100.00}. EdFinancial never applied this specific payment to my account. I notified EdFinancial on XX/XX/year>2024 that there is a payment missing from my account, and I have provided the payment transaction details to them several times through the online portal per the steps provided by the EdFinancial customer service representative. This payment is still missing and has not been credited to my account.
Product: Debt collection

FIRST SOURCE ADVANTAGE LLC IS A DEBT COLLECTOR UNDER THE JURISDICTION OF THE FDCPA. FIRST SOURCE HAS GATHERED MY PERSONAL IDENTIFYING INFORMATION LIKE NAME, ADDRESS, SOCIAL SECURITY AND BANKING INFORMATION WITHOUT AUTHORIZED USE. FIRST SOURCE HAS ENTERED INTO A FOWARD FLOW AGREEMENT WITH XXXX  XXXXAND HAS ATTEMPTED TO COERCE PAYMENT FROM ME ON AN ALLEGED DEBT THROUGH OBSCENE MATTERS BY AN EXTORTIONATE EXTENSION OF CREDIT. FIRST SOURCE WAS DEMANDED UNDER 15 USC 1692g TO VALIDATE THE ALLEGED DEBT AND HAS FAILED TO DO SO AND HAS EVEN RETURNED THE PURCHASED ACCOUNT BACK TO XXXX  XXXX. FIRST SOURCE HAS COMMITTED VIOLATIONS UNDER THE FDCPA AND HAS CAUSED MY FINANCIAL DISTRESS, XXXX, XXXX XXXX AND XXXX. I FEEL UNSAFE KNOWING FIRST SOURCE HAS GATHERED MY INFORMATION WITHOUT MY CONSENT COMITTING IDENTITY THEFT AGAISNT MY RIGHT TO PRIVACY UNDER THE PRIVACY ACT OF 1974 ALSO VIOLATING 18 USC 1028A AND HAS ATTEMPTED TO CEORCE PAYMENT FROM ME IN COMMERCE ON A UNVALIDATED UNLAWFUL DEBT. MULTIPLE ATTEMPTS TO SETTLE THE MATTER IN GOOD FAITH BETWEEN I AND FIRST SOURCE TO WHICH THEY WILLFULLY DISHONORED. I AM TIRED OF DEALING WITH THIS MATTER AND AM SEEKING FOR A SOLUTION.
Product: Prepaid card

XX/XX/2023 I tried for the first time too transfer {$50.00} from my cash card to my Citizens Bank checking account which I thought I had properly linked my Cash Card to. When I called my bank I was told no money had been received. I realized that the bank I sent the money to was not a part of my bank so I immediately requested a refund stating that I had made a mistake and requested my money back. I made that request over 10 times throughout the weekend. I received notification that my requests had been denied without an explanation as too why. Each of my requests I stated that my money was accidentally sent to the wrong Citizens Bank, the bank I sent my funds to was Citizens Bank XXXX. I could find no address or phone number, the Cash Card company told me I would have to directly contact the bank I accidentally sent my money to in order too recover my money. This was a mistake on my part I admit but for my money not to be returned I can't understand with no explanation as too why, each request I sent was posted DENIED on my Cash Card Account.
Product: Debt collection

I sent a debt validation to this company for 2 accounts listed on my credit report on XX/XX/2001. it is well past 30 days and I have not heard anything back.
Product: Credit card

I was accepted for a XXXX XXXX  with UMB Card Services the beginning of XXXX. They sent me a brochure stating that all purchases made at the XXXX XXXX XXXX, ( a nationwide retailer of farm goods since XXXX ) would be entitled to 5 % cash back beginning XXXX XXXX. 

I have not received the rewards from the credit card company, or XXXX XXXX. I have spent thousands of dollars at the store since XXXX. I have contacted both companies ; the retailer and credit card servicer, twice regarding this matter. Each one tells me I have to talk to the other which I did to no avail. 

I have to imagine that other consumers have run into the same situation as mine.
Product: Credit reporting

I have contacted Equifax multiple times regards to incorrect or paid accounts. I have submitted supporting documents to these accounts and still have not been able to have them disputed. I believe this investigation results are going against my rights as a consumer.
Product: Credit card or prepaid card

To whom it may concern, I am very upset at the treatment and information I 've been given in the last few days. Around XX/XX/XXXX I had someone contact me regarding a late payment. I agreed to pay the late payment at their request. I currently have two accounts with your company due on the same day. I called on XX/XX/XXXX to determine which account the payment would take care of. An agent explained there was no communication with me, there was NO PAYMENT SCHEDULED TO COME OUT. I called again, the next agent told me the same thing. I made a XXXX payment online since there was NO RECORD OF ANOTHER PAYMENT. Two days later my account was charged a second XXXX. This is extremely upsetting and sounds illegal. I spoke with a supervisor who said she could refund me within 3 weeks! This is unacceptable. She suggested I stop the payment with my bank and they should n't charge me. This was again, inaccurate information. XXXX charges a 30 stop payment fee. I chose to dispute the charges. I called your company AGAIN to ensure they would n't try to push the payment threw again. I was ensured by an agant it wouldnt. This was another LIE. My account was charged another XXXX dollar payment as well as overdraft fees and I am livid. I called back very upset. I spoke with supervisor XXXX, she was very unempathetic and repeatedly said I authorized both payments. I am at a loss of words for the lack of accurate information, customer service, and empathy I 've experienced in the last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I repeatedly disputed this account. The account was open XX/XX/XXXX. It recently closed XX/XX/XXXX but still have a remaining balance and also shows on my credit report which is Hindering me from moving forward. I would like this account to be removed as its out of statue of limitations. Remained negative balance is XXXX. They got their vehicle back and still wants me to pay. I have sent dispute laters trying to resolve for years
Product: Credit card or prepaid card

CapitalOne is blocking customers ( including myself ) from enabling external applications to monitor accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with XXXX XXXX and Equifax and the item has not been removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report this month XX/XX/XXXX and noticed XXXX XXXX XXXX XXXX XXXX XXXX on my report since XX/XX/XXXX. I have never had these services, nor applied for them in the past