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

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 
ONce again I do not know this account
Product: Credit card or prepaid card

I had a fraudulent charge on my Capitol One credit card on XX/XX/XXXX from a merchant XXXX charge # XXXX for {$29.00}, I called Capital one and they cancelled my card and issued me a replacement card at which was fraudulently charged again my merchant XXXX charge # XXXX for {$29.00} on XX/XX/XXXX. I called both Capitol One and XXXX to inform of this fraudulent charge and Capitol One cancelled the card and reissued me a new one on  XX/XX/XXXX, at this point I lock the card in the Capitol One app. The Capitol One rep stated that MasterCard was probably releasing my updated card info to XXXX to be charged and stated that I should contact them. I contacted MasterCard and they stated Capitol One would be the entity that needed to handle my compromised info. I contacted XXXX merchant to advise my card was being charged fraudulently by their company by a user at which the XXXX rep stated they shut down the users account and marked it as fraud. On XX/XX/XXXX I receive an email notification that a {$29.00} XXXX charge # XXXX was attempted on my newly issued card Capitol One had issued me on XX/XX/XXXX that I had not yet received by the mail however the charge did not go through because I had locked the card. I called Capitol One and they stated they would complete a form to " block '' charges from the company XXXX from charging my card and it could take 5 business days. They did not cancel my card not that it would do any good since somehow someone is still obtaining my card info to charge. The Capitol one rep stated that the person fraudulently using my card possibly has my routing and account number for my Credit Card so no matter how many times I change my card number they still have access to my account. This is absurd, I have since had another email notification that this person whoever it may be has attempted to charge my card on XX/XX/XXXX in the amount of {$29.00} XXXX Charge # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ve been dealing with this matter since 2015 to present. Its a run around with XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX its reporting inaccurate information to credit agencys As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and 2 is pending to transfer the loans to another claim office, and then the inaccuracy reporting that shows on my credit reports as well. Meanwhile as to reviewing my credit report, again its shows 2 open student loan accounts, and as a result its lowering my credit score added. However, I ve tried several times to track down the various loan holders and its always a dead end. Nonetheless, XXXX XXXX XXXX does claims they ve tried to retrieve my last two loans from both XXXX XXXX XXXX and XXXX XXXX XXXX, yet this process will take from 30-150 days and when the debt companies do fail to reply, then they will resubmit the same process again. Nevertheless, theyre given the run around and its effecting my credit reporting overall. However, below is an ongoing Value Chain process with my current student loans activity : The XXXX XXXX XXXX sold my loan to a XXXX XXXX XXXX, then wholesaled to another debt company called, XXXX XXXX XXXX XXXX then resold to XXXX XXXX, and finally the loan should ve came to XXXX and XXXX Disability Agency that would ve closed all accounts, yet were never received.
Product: Student loan

I have continued to make uninterrupted payments since 2015, even through the pandemic deferment. My balances never go down and even continue to accrue interest. I've called about this and have just been sent applications ( x 2 ) that never go anywhere.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violate 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 reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Debt collection

Midland and XXXX XXXX are the companies I have issues with. They reported old credit cards debts ( XXXX ) as loans to the credit bureau as if they were recently done. I never received any cash, checks or electronic payments from the old credit cards or these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have  got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Account charged off in XXXX XXXX 2024 and reported as a loss yet I am still being contacted to pay off debt that was previously paid.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX Born XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX I live for the past XXXX XXXX recently move to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, mare been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing regarding an installment payday loan account from XXXX XXXX XXXX XXXX that was sold to your company, I emailed the original creditor and attempted to speak with a manager at Real Time Resolutions. I took the loan out in XXXX of XXXX to help with additional funding for a vehicle, I paid some payments when I had financial stability, I lost several jobs over the years along with multiple deaths of people I know, being disowned/cutoff by people I know due to personal reasons and continuous financial problems as I was a burden on them. I am currently homeless without a vehicle, income of any sort, no financial assistance from anyone, I have stated MULTIPLE TIMES THAT I AM NOT IN A FINANCIAL POSITION TO PAY ANYTHING AND THAT I DO NOT EVEN HAVE {$1.00} IN MY ACCOUNT. I WANT THIS DEBT FORGIVEN ALONG WITH ANY MONEY THAT HAS BEEN PAID TOWARDS THE ACCOUNT ALONG WITH {$170000.00} IN LOST WAGES BY CERTIFIED CHECK OR DIRECT DEPOSIT BY XX/XX/XXXX, EST OR I WILL SUE FOR {$300000.00} WHICH INCLUDES LEGAL FEES!!! THIS ACCOUNT IS PAST THE STATE LIMITATIONS WHICH IS SIX YEARS AND NO LONGER COLLECTIBLE BY LAW IN WHICH THEY SEEM NOT TO CARE ABOUT AT ALL!!!
Product: Checking or savings account

I signed up for a Capital One 360 Savings account thinking I'd be getting the high yield interest rate. But after several years of having money in the account, I never really saw much of an interest benefit. Then I found out Capital One is being sued for intentionally misleading myself and others by not informing us that there was a second high yield savings account separate than the one I thought was the high yield savings account called : Capital One 360 PERFORMANCE Savings.

I understand there is currently a lawsuit happening. I would like to be compensated for the interest rate that I lost during the time I initially signed up with the 360 Savings account : XX/XX/scrub> 2006.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX XXXX  Inquired on XX/XX/2022, XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022, XXXX Inquired on XX/XX/2022.
Product: Debt collection

I ask for specific information never received, and I've been flooded with repeated phone calls from this company at all times of day and night including Sunday nights starting at XXXX XXXX  until XXXX XXXX  which is in violation of the 15 USC 1692 G and the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is on XXXX while as other bureaus had removed due to paying full as it supposed to fall off once received partial payment. 

Kohls & Capital is on XXXX and XXXX but not the other bureau, both had received partial and to be removed from credit report
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 violate the Cosumer 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 reporting, credit repair services, or other personal consumer reports

In reviewing my report from Experian, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Experian automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Account XXXX XXXX XXXX XXXX XXXXXXXX - please remove inaccurate late payments and update to paid as agreed ; Collection Account - XXXX  XXXX XXXX, Account XXXX XXXX XXXX please delete. not my account. I do not know who this information belongs, but it is not mine.
Product: Debt collection

I was told over the phone that I owed a debt that I was never made aware of. The calls continue in the early morning, but no abusive language is used. I never received a notification for it. If I had been aware of it, I would have paid promptly. I always pay my bills on time and in full.
Product: Money transfer, virtual currency, or money service

Suntrust merger with BB & T.. XXXX cards dont work mobile deposits delayed resulting in over draft. customer service is not available! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show inaccuarte accounts listed to my report. I also filed an FTC report with XXXX  and information was deleted and/or blocked and I show that creditors information was reinserted back to my report inaccuratly and or direct viloation for 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Due to non-compliance from creditors and non-reciept of written notice which is beyond 5 business due to the reinsertion. I request to have all account listed attahced to FTC report deleted or blocked permanetly.
Product: Checking or savings account

I have been attempting to address this issue with PNC for over 15 years and feel I am struggling to get through their business practices are unethical. They are also violating Overdraft Protection Act of 2021. 

I have requested they automatically decline transactions if it puts my account under {$0.00}. I have made numerous attempts to close this account with no solution in sight. 

Fees are amassing in excess of {$200.00} in past month. I have been charged enormous amount of fees since I started with bank.
Product: Debt collection

XXXX against me in XXXX. Filed bankruptcy in XXXX all debt was discharged. My employer received an income garnishment request last week. My attorney informed the collection company and my employer of discharge and the company is refusing or not communicating that the garnishment by law has to be released but has instead threatened to make My employer liable if they do not collect the money previously owed.
Product: Debt collection

ATTENTION TO XXXX XXXX XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$8300.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said I was never. I have never been late
Product: Credit card or prepaid card

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference complaint XXXX as the investigation requested in that complaint have no been completed in the proper timeframe and Equifax is clearly trying to avoid investigating. The received 3 forms of ID with address and utility bill with credit report print out. They are asking for the same documentation over again please see all attachments to the referenced companies. All must be deleted immediately the law only allows for 30 days and it has been more than 50 days.
Product: Mortgage

My ex husband and myself had a mobile home ( Home Mortgage ) with XXXX XXXX back in XX/XX/XXXX. I went through a horrible divorce as my husband was using drugs and failing to pay the bills which led to my having to divorce him. The Mortgage was in both of our names. We only had the Mortgage for one year and they got the trailer bc of being unable to pay debt. I was not working at the time as I had just given birth to my first child in XX/XX/XXXX ( she is now XXXX of age ) as this happened years ago. 

Now after 21 years, XXXX XXXX XXXX XXXX  filled a XXXX XXXX to the IRS and the IRS alerted me which caused me an adverse affect on my IRS taxes. 
I received a l letter from the IRS XX/XX/XXXX which stated that due to DITECH Mortgage sending a XXXX with taxable income of {$17000.00}, this could cause me to have to owe the IRS {$2900.00}. IRS Told me to contact DITECH Financial to dispute this and request that DITECH Mortgage rescind the XXXX in order ( so it is not XXXX, XXXX taxable income ). 

I contacted DITECH at XXXX spoke with a " XXXX '' and I TOLD HER THAT I did not want to be recorded but she did it anyways. 
I told her that I never settled on an amount of XXXX  XXXX of a debt from a mortgage that I had back in XX/XX/XXXX with DITECH nor did I ever receive a XXXX from them. I asked them to rescind the XXXX ( taxable income of {$17000.00} ) as this is a debt from " 20 Years ago '' in which I should not be taxed for taxable income of XXXX, XXXX on a debt from 20 years ago. However, XXXX refused to rescind ( reverse ) the XXXX. 
NOTE, I have suffered with my credit from this debt for over ten years and it was removed from my debt bc it has been over the 7 to 10 year period that the debt is lawfully removed from my credit. They can't go back 20 years later AND IN XX/XX/XXXX send the IRS and myself a XXXX form to tax me {$17000.00} for a debt from over 20 years ago that WAS charged off my credit report back in the year XX/XX/XXXX!!! this is very unfair and not allowed. 
ALSO< I disputing the fact that they kept putting this on and off my credit for over 20 years now and it has negatively affected my credit for way over the 7 year period. 
POINT BEING< IF THEY HAD PLANS OF TAXING ME AT {$17000.00} then they should have taxed me 20 yrs ago ( BEFORE THE 7 TO 10 YEAR PERIOD PASSED WHICH IS NOW WAY OVER ). If they were going to send a XXXX taxable income, they should have done this YEARS AGO NOT IN XX/XX/XXXX. I AM REQUESTING A COMPLAINT SUBMITTED AS THEY HAVE UNFAIRLY AFFECTED MY CREDIT PAST THE 20 YEAR PERIOD AND IT IS VIOLATING MY RIGHTS TO BE TAXED FOR SOMETHING IN XX/XX/XXXX ON A DEBT FROM THE YEAR XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound concern and dissatisfaction regarding the handling of this attempt to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. 

The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the effectiveness of the measures in place to prevent such occurrences. 

Therefore, I urge you to conduct a thorough review of the XXXX attempt to remove fraudulent items and identify the shortcomings that contributed to its failure. It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. The following items thare are fraud should be remove right away : XXXX, XXXX, XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$610.00} ; XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX : {$230.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX {$230.00} ; PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Multiple debt on medical bills the debt collector can not tell me dates or service or for whom
Product: Credit reporting or other personal consumer reports

I was stunned to discover inaccurate accounts on my credit report this morning, and I have no explanation for how they got there. I check my report regularly, and this is the first time Ive seen such discrepancies. Even after refreshing my browser, hoping it was a glitch, the accounts remained. Im pleading for a detailed review of the documents Ive submitted so that this issue can be resolved permanently.
Product: Debt collection

Someone got a hold of my personal information a few years back and used it to open fraudulent utility accounts. I've already reported this account on Identitytheft.gov and to law enforcement. Original creditor is XXXX XXXX XXXX for the amount of {$560.00}, the itemization date is XX/XX/year>.