23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Late this past week, a credit alert website that I use to monitor my credit accounts and usage, flagged that I had a new account that was already being taken to a credit collection company for a fraudulent account. It had never appeared before and here are the details as they appeared on my credit report : Account Name : CREDENCE RESOURCE MANAGEMENT Account Number : XXXX Balance : $ XXXX Monthly Payment : -- - Account Information Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX Date Updated : XX/XX/XXXX High Balance : {$910.00} Original Creditor : XXXX XXXX Past Due : {$910.00} Pay Status : XXXX Estimated month and year this item will be removed : XX/XX/XXXX Remarks : >PLACED FOR COLLECTION< Satisfactory Accounts The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note : Accounts are reported as " Current ; Paid or paying as agreed '' if paid within 30 days of the due date.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I did not authorize these accounts. On XX/XX/year> I sent my FTC Report to Experian, XXXX, XXXX. I am following to process of reporting identity theft. I will be making a police report. Also I am willing to file a civil suit for reporting inaccurate information on my consumer report.
Product: Payday loan, title loan, or personal loan

I called and spoke with a representative about a {$460.00} loan that with interest currently is over {$800.00}. I asked if i pay {$500.00} can they forgive the rest. They replied No, they weren't ready to make a settlement offer. The next day they called that afternoon twice. On the second time i asked them not to call again. They responded by they will continue to call because i owe them. All calls should be recorded.
Product: Money transfer, virtual currency, or money service

Cashapp was hacked and hacker got my information 6 times stole out of accounts stole from XXXX XXXX  and XXXX XXXX XXXXXXXX i have sent multiple emails to cash app and they refuse to refund my money XXXX XXXX XXXX XXXX XXXX i am so XXXX off i bust my XXXX  for my paycheck.
Product: Credit card or prepaid card

i call the netspend debit card company. To ask why my debit cards were and accounts were closed. They basically told me that i couldn't get service though them anymore. They said it was do to fraud activity. Or they couldn't identify property something like that. But after asking a a series of questions at i asked at XXXX pm cst. The customer service representative lead me to believe that it may be do to discrimination reasons.
Product: Credit card

On XX/XX/year> there were 9 fraudulent charges on our Synchrony Bank Sams Card ( XXXX ). 
Authorized User ( XXXX XXXX ) immediately called Synchrony Bank to report the fraudulent charges. T-Mobile call log of the authorized user is attached. 
Immediately afterward Authorized user ( XXXX XXXX ) called and reported the fraudulent chargesXXXX XXXX call log of XXXX XXXX XXXX is attached. 
During conversations with Customer Service, we learnt that not only fraudulent charges were made but also the credit limit was increased that facilitated the large fraud. Neither Primary Card Holder nor Authorized user had requested a credit limit increase We filed a police report for the fraud. Incident report is attached. 
We have tried to resolve the issue with Synchrony Bank over last 12 months. However, bank has continued to deny the credit saying, XXXX. The purchased items were shipped to our address. We have not received any item at our address. Find attached letter. 
XXXX. Charges were authorized. But no explanation on how they were authorized as they seem to be overseas charges. We were in USA. Find attached letter. 
Synchrony bank has not yet answered our question on how the credit limit was increased that facilitated the excessive fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) and its obligations under federal law. Specifically, Experian has violated the following provisions : 15 USC 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in my credit report.

15 USC 1681s-2 : Failure to properly investigate disputes and correct inaccurate or incomplete information provided by data furnishers.

15 USC 1681i ( 5 ) : Failure to delete or correct information after conducting reinvestigations, as well as improper reinsertion of inaccurate information.

15 USC 1681c ( c ) : Retaining obsolete information that should have been excluded from my credit report. 

I have sent multiple dispute letters to Experian regarding inaccurate and incomplete information on my credit report. These disputes included inaccuracies in reported balances, erroneous late payments, and outdated collection accounts. Despite providing detailed documentation and requesting corrections, Experian has failed to conduct proper investigations, respond adequately to my disputes, or make the necessary corrections to ensure the accuracy of my report. 

Additionally, I recently became aware of the CFPBs lawsuit against Experian for its inadequate handling of consumer disputes. The allegations outlined in the CFPBs complaint, including sham investigations and the reinsertion of errors without proper notice, directly mirror my own experience. Experians failure to address these issues has caused significant harm to me, including but not limited to : Denial of credit opportunities, including being denied for a car loan in XX/XX/XXXX due to inaccurate credit reporting. 

Negative impact on my ability to secure housing, as I was rejected from a rental application in XXXX. 

Potential harm to my employment prospects, as my credit report was reviewed for a job application in XXXX. 

These issues have caused unnecessary stress, financial strain, and damage to my reputation.
Product: Debt collection

I have no record of these accounts and tried to get debt validation, Never received would like items remove from credit report.
Product: Credit reporting 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.

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 any 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 reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EXPERIAN has violated my rights. 

I looked at my transunion XXXX Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 reporting, credit repair services, or other personal consumer reports

I NOTICED CAPIO PARTNERS HAS BEEN FURNISHING INCORRECT UNSUBSTANCIATED INFORMATION TO OTHER CONSUMER CREDIT REPORTING AGENCIES. I HAVE NEVER ENTERED INTO A CONSUMER RELATIONSHIP WITH CAPIO PARTNERS. THIS CONSUMER/NATURAL PERSON SENT CAPIO PARTNERS A CEASE AND DESIST ALONG WITH A VALIDATION OF THE ALLEGED DEBT ON XX/XX/2022. CAPIO PARTNERS HAS NOT RESPONDED, CAPIO PARTNERS HAS NOT ADHERED TO THE FCRA LAWS. CAPIO PARTNERS FAILED TO SUPPLY ME PROPED VALIDATION. CAPIO PARTNERS CONTUNUED FURNISHING THIS ALLEGED DEBT DURING THE INVESTIGATION PERIOD NOR HAS CAPIO PARTNERS PROVIDED ME WITH THE INVESTIGATION EFFORTS. I NEVER GAVE CAPIO PARTNERS PERMISSION TO FURNISH ANY XXXX INFORMATION I DO NOT KNOW WHO THIS COMPANY IS AFFILIATED IS THIS NOT IDENTITY THEFT?
Product: Credit reporting or other personal consumer reports

I am writing to formally address your failure to maintain fair and accurate credit reporting, as required under the Fair Credit Reporting Act ( FCRA ). According to FCRA 602, consumer reporting agencies are expected to uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. However, despite my repeated dispute letters over the past months, you continue to report inaccurate information on my credit file without providing any proof of your verification methods. This is both unacceptable and a direct violation of FCRA guidelines. 

Upon reviewing my previous dispute responses, I have confirmed that XXXX has already removed these negative accounts from my credit report following their investigation. Given this, I question why you have failed to take the same corrective action. If XXXX determined these accounts to be inaccurate or unverified and deleted them accordingly, your refusal to do so raises serious concerns regarding the adequacy of your investigation and your compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, DE XXXX 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
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I made an international transfer ( {$91.00} ) to someone in XXXX XXXX using WorldRemit. When the processing took awhile to go through, I made the same transfer again ( {$91.00} ). After awhile, I canceled both transactions since the recipient had not received the money and I found an alternative route for sending the money. I then requested for a refund for both transfers. I have not received the refunds back although WorldRemit receipts show that I cancelled and would receive refund within 7 days. I have tried numerous times to contact WorldRemit but their direct number does not work, and they don't have any email address on file.
Product: Money transfer, virtual currency, or money service

I received an email Saturday XX/XX/XXXX from Cash App stating that my email address had been linked to my cash app account. 

I have never opened a Cash App account and have in fact never even heard of them. I have called the company on two different occasions to report the fraud and try to get them to close this account that I have not opened and do not want. Both times they refused to do so, and they promised me to send emails that they never did.
Product: Credit reporting or other personal consumer reports

I am requesting that the account status of XXXX XXXXXXXX XXXX XXXX XXXXXXXX be changed to CLOSED. This account is closed. The information is inaccurate on my credit reports.
Product: Checking or savings account

The weekend of XX/XX/XXXX, I opened up a fraud claim on unauthorized charges to my account from XXXX. XXXX refunded me 3 of the 10 charges, leaving me to start a claim with Citizens for remainder 7 charges, totalling {$750.00}. 

AFTER the initial claim, XXXX refunded {$320.00} ( XXXX, XXXX, XXXX ). Please make note {$310.00} was refunded to my account from XXXX BEFORE I made a claim- this was not part of my claim created with Citizen. 

After the investigation, Citizens concluded that I received my refund from XXXX and Citizens withdrew the claim amount back out of my account. A claim rep and I figured there must have been confusion with the first refunds XXXX made that were not part of the claim. 

Once again, a claim rep and I opened the claim once more but adjusting the amount based on the {$320.00} that was credited by XXXX after the claim was created. The amount was now {$420.00} ( {$100.00} x XXXX ). 

I received the money from Citizens to yet again have it withdrawn again later. 

I called Citizens and they said I just have to reopen the claim. I told them I need to actually speak to someone because this claim is not being processed or investigated properly. Its been months and no resolution The reps on the phone said they are unable to do anything other than open a claim. So I went into my local branch, went line by line to check the amount and have it verified that the claim amount is correct. And opened a claim for the THIRD time. 

I have requested for a call back twice from claims department, and I have never received one call. 

I am now overdrawn in my account and being assessed more fees because of the money pulled back out of my account on 9/22. I had pending payments and automatic all coming through this past week.

I called citizens to see if I can have those fees removed and I was told they were unable to help me and I have to wait for claims, which can take up to 10-15 days. 

I have lost money to fees for this money not appropriately being credited and debited from my account multiple times. 
. I need my money back and my fees reversed. This is not right under the Truth and Lending Act.
Product: Credit card or prepaid card

Dear CFPB, It has come to my attention that there is information 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 it my request to block being made on the basis of material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of notice. I look forward to your response. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I try applying for credit and they told me my score does n't show and I been getting deny. So how can I build up my credit if n o one g ive me a opportunity. Where to star. And the  XXXX  credit bureaus got to update my score
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have tried Numerous of times to dispute XXXX XXXX XXXX accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX fXXXXXXXXl state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being XXXX I have then healed and gotten well and Im just trying to better my situation.
Product: Mortgage

This will be the 3rd or 4th complaint from me towards US Bank. This matter is still not resolved ... .I have had it. I have continued to maintain the property for two years, they have had a valid offer for over a year and they still have not made a decision. I am not going to continue keeping up this property. When I stop, this house will rot. It is in a bad area. They are so fortunate they even received an offer and that the buyer has hung on this long and now they will lose this buyer. I really do n't even know what to say anymore. Absolutely ridiculous.
Product: Credit reporting

FILE COMPLAINT ON EQUIFAX CASE #  XXXX  NO NO YOU DO NOT GET TO INVESTIGATE AGAIN YOU FAILED TO COMPLETE THE INVESTIGATION TH E 1ST TI ME WITH IN THE FCRA 30 DAYS THAT YOU HAD TO INVESTIGATE I 'M GOING TO NEED YOU TO DELETE THIS ASAP Dear  XXXX , Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online.   To accept receipt of the results of your investigation online, please click on this hyperlink :   XXXX   XXXX   XXXX     XXXX  Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion.     We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery.     To allow us to protect your privacy and deliver prompt service, please visit our website. If there are items you believe to be incorrect, yo u may be able to initiate an investigation request via the Internet 24 hours  a day, 7 days a week at :   XXXX   XXXX   XXXX   Using the Internet to initiate an online investigation request will expedite the resolution of your concerns.     Unsubscribe : If you do not want to receive these emails, please click on this hyperlink to unsubscribe :  XXXX  :  XXXX ?  XXXX  Please DO NOT REPLY to this email as this is a system generated email and will not be read.     Thank you for giving us the opportunity to serve you,   XXXX   XXXX   XXXX   XXXX
Product: Credit card or prepaid card

I made 2 purchases on my Direct Express account on XX/XX/2020 & never received the merchandise. Three weeks ago I mailed in the dispute forms & was told 3 days ago they were received but no action was taken. I've been calling Direct Express for 3 days & have been put on 1.5 hour hold times. This is exceptionally frustrating that Direct Express is operating in this manner.
Product: Vehicle loan or lease

I picked a car in XX/XX/2015 financed by Santander Consumer USA. The price of the car was {$11000.00}. After the processing, they had created a loan of {$13000.00} including fees and other charges. The monthly instalment was {$340.00} for a period of 5 years. After a time of 6 years, {$24000.00} has been paid back and still a balance of {$7600.00} has to be paid, which is a disaster.
Product: Student loan

I attempted several times to get ahold of a representative in order to better understand what l needed to do in regards to the one time payment count adjustment.l needed to understand if l needed to consolidate all of my loans into one direct consolidation loan to potentially receive credit for loan forgiveness or to possibly get my loans cancelled. The rules were extremely confusing. I attempted to call studentaid.gov and an automated machine stated, '' we're sorry, we're experiencing very heavy call volume, please call back. ". Then it disconnected. Next l attempted to contact Mohela, my loan service provider and was on hold for several hours and never got through. I work full time and therefore don't have a great deal of time to wait on hold several hours for several days of the week. I attempted to call studentaid.gov and mohela before XX/XX/year>, which was the deadline for the opportunity to cancel student loan debt. I was never able to get a representative for assistance. Very frustrating and a disservice to folks like myself that have these loans to pay off.
Product: Credit reporting or other personal consumer reports

Hello CFPB, I'm submitting a complaint on the credit reporting bureaus XXXX, Equifax, and XXXX on my consumer reports. I requested a verification and removal of a XXXX XXXX XXXX from the consumer report, Verification of Creditor accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  due to Charge offs, Late payments, Evictions 15 USC 1681a 2. Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information. I requested that the bankruptcy be verified, since its showing on my credit report/consumer report. They came back saying it was verified on XX/XX/23. How could they have verified a bankruptcy? Who did they contact in the court to verify the information? I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. A charge off on my consumer report is a violation of my consumer rights. A late payment 15 usc 1681a is a transaction and should not have been added to my consumer report/ credit report.

I've requested by phone that my name and address information be updated and all information not current be removed. It's still showing on my reports.

I've requested all inquiries be removed off credit report Will you please check into this and have this bankruptcy removed and all transactions removed from my consumer reports/ credit report.