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

This issue involves XXXX XXXX XXXX XXXX XXXX. There is an account for {$840.00} XXXX XXXX started reporting, then XXXX XXXX is reporting the same account as a collection. 

I never heard of either company until I checked my credit. It's stopping me from buying a digital label printer. In my line of work I need to upgrade my printer, it costs {$13000.00} and I want to finance it. But these accounts are costing me business. 

I wrote both XXXX XXXX & XXXX XXXX to let them know they are reporting this information on the wrong person and please delete from my credit report. I have no middle name and this individual appears to have one. Plus, there are 2 different addresses on my credit report that I have never lived, nor do I know the occupants at those addresses. 

XXXX XXXX sent a letter and said, " We are in receipt of your recent correspondence regarding an account with XXXX XXXX XXXX. Please be advised that we were unable to locate an account with the information that was provided. '' The information I provided XXXX XXXX regarding this issue, is what XXXX XXXX reported on my credit ... Yet they have no information on what was provided. 

How does that happen? 

XXXX XXXX replied and provided a statement for {$840.00}. The statement is addressed to a place I've never lived. The only reason they have my address is because I wrote to state my address to quickly resolve this matter. Where I receive mail, I have been doing so, since the age of XXXX. 

How does that happen? 

I wrote XXXX XXXX back explaining they are reporting on the wrong person. That letter was dated XX/XX/XXXX and I have yet to hear anything from him relating to this subject. Furthermore, I included two invoices showing my legal address back in XX/XX/XXXX & XX/XX/XXXX. 

I don't know what else to do ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Debt collection

on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.
Product: Debt collection

I placed an order from XXXX on XXXX for XXXX items in the amount of XXXX and utilized Affirm Inc services to pay for said order over a XXXX payment period. After XXXX missed their delivery time period and I contacted XXXX via their application to cancel the order witch they did promptly since the order was last located in XXXX GA at the time of cancelation. They should have informed Affirm that the order was cancelled and returned to the XXXX warehouse as undelivered and canceled by customer. Affirm proceeds to continually ask for payment on merchandise that was not received by me. On XXXX Affirm decided to charge off the account and sold the account to XXXX XXXX for collection purposes. I informed XXXX XXXX that XXXX cancelled the order and returned the order at my request since they did not deliver the order to me within the time frame specified by them. On XXXX I received their letter response and resuming collection efforts. I should not have to pay for merchandise that I didn't receive and canceled. Please intervene.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 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

I was called by a XXXX XXXX from Main resolution group saying they are to retrieve a statement about a complaint filed by their client. This was on XX/XX/2023 at XXXX XXXX and that I only have 48 hours to respond with a formal statement. He gave me a different number then the one he called me on and I was informed that he also called and bothered my parents. I have not received any written notice or anything like that about the debt they are supposedly trying to get. He called from XXXX but wanted me to call XXXX extension XXXX. I tried emailing the company and never received a response as I dont get good reception where I live.
Product: Debt collection

In my youth I made some poor decisions and found myself XXXX in the Arizona XXXX XXXX I am embarrassed of this and it is difficult for me to actually need to use that XXXX as proof I did not obtain the debt I am accused of owing. The debt was obtained at XXXX XXXX I don't know if it was a loan or credit card. In XXXX, a judgment was made against me. I was never served any documents and had no idea I was being pursued for this debt and to this day, it has not appeared on my credit report which tells me they didn't have my correct SS number. In XXXX, the judgement was renewed. My wages were garnished out of my final paycheck with my previous employer. At that time, I contacted an attorney. I paid him to present the facts and proof I could not have obtained the debt while I was incarcerated. It is my belief my brother and sister-in-law used my info and obtained this debt. They have {$80000.00} in judgements and collections against them. I have no negative credit and pay all my debts on time. XXXX XXXX was my attorney and filed with the court a motion to dismiss due to the fact I was never served. The judge denied the motion and accepted the service statement that they served my father with whom I was not living with. I was never served, my father signed an affidavit swearing under oath he was never served either. The attorney said he couldn't file anything else which I could not understand. XXXX XXXX spoke to the attorney at XXXX XXXX XXXX and provided the proof I could not obtain the debt and was told, " Too bad, we have a judgement, he has to pay it ''. I filed a request with the court to allow me to show the proof and dismiss this judgement and was denied. I was not going to pay a debt that has been so over inflated as well and was not my debt. Originally it was for {$2000.00}, and now they are garnishing my wages for {$10000.00}. I am employed with XXXX XXXX  XXXX and as of XX/XX/XXXX, they are garnishing over {$600.00} a month from my check and charging 24 % interest on a debt I never obtained. I have asked XXXX XXXX XXXX for all the original loan documentation, application and signatures and was told it has been destroyed by the original creditor and they don't have any of it. They refuse to give it to me. How do they obtain judgments without proof of the initial debt. I don't know where to turn from here. I have done everything in my power since I was released in XXXX to live on the straight and narrow. I have distanced myself from family and friends who were negative figures in my life. I haven't had so much as a speeding ticket. Please help me.
Product: Credit card or prepaid card

Transaction date : XX/XX/2022 Amount : {$830.00} Merchant : XXXX Credit Card : Visa by Capital One Disputed shortly after receiving the goods, which were faulty and damaged in transit. The goods were clearly not packaged correctly. 
Willing to show proof by photo and video. Claim got declined and was told to resolve with vendor. 

Vendor postponed several times and finally declined to help. 

Went back to the credit card company and once again got declined.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I ordered {$2000.00}. from my debit card to be picked up in XXXX XXXX from my Moneygram account. I received a conformation but on the top it said " After careful review, your profile is closed and transaction declined ''. It had the authorization no. XXXX saying pick up cash in minutes. I went on Chat with the company and they would not tell me why my account was closed. To go to the local office in XXXX XXXX. I called their XXXX number and again they would not tell me why my account was closed. She said it was for my protection. Both the chat and the call told me to go into the local office and place the order. I went to the local office in XXXX XXXX XXXX XXXX and was told I could not place an order for money from the XXXX to XXXX XXXX, but could only send money out of XXXX XXXX. The office called moneygram and handed the phone to me. The first person I talked to said so sorry go to the local office, after I had told her I was at the local office. I asked for a supervisor and after some time the supervisor came on the line. I explained the situation again. She would not tell me why they closed my account or help me at all. I told her that I had been told 4 times by different people to go to the local office to place the order for the money and I was at the local office and they said they can not do it. No help at all. Now I had to pay a taxi both ways and now have to pay even more money to transfer directly from my bank or get from my credit cards. Moneygram is a very bad company with people who don't know what they are doing. And do not help resolve the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$510.00} XXXX XXXXXXXX Balance : {$34.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX : {$1000.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a concerning discrepancy in the information being reported on my credit report by LexisNexis regarding XXXX bankruptcy. Upon reviewing my credit report, I noticed that LexisNexis is inaccurately reporting information related to bankruptcy proceedings. 

In an attempt to rectify this issue, I contacted LexisNexis to request verification and validation of the reported information. I was informed by LexisNexis that the information they provided was sourced from XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). However, upon further investigation, I reached out to XXXX directly via mail, and I received a response from a point of contact named XXXX. In her email, XXXX explicitly stated that XXXX is not affiliated with LexisNexis and does not engage in contacting consumer reporting or credit reporting agencies. XXXX simply provides access to federal court records. 

This revelation raises significant concerns regarding the accuracy and reliability of the information being reported by LexisNexis. It appears that there has been a misunderstanding or misrepresentation of the source of the information provided by LexisNexis, which has resulted in erroneous data being included in my credit report. 

I am reaching out to the Consumer Financial Protection Bureau to request assistance in resolving this matter and ensuring that the information on my credit report is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). I kindly request that an investigation be conducted into the practices of LexisNexis in sourcing and reporting credit information, specifically regarding bankruptcy proceedings. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me at XXXX or via email at XXXX if you require any further information or clarification. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I dont know my credit score and and information and Apple XXXX application and Apple Pay
Product: Credit card

I received an email notice from PNC that it had declined a payment request from XXXX XXXX XXXX in the amount of {$20.00}. This is a utility merchant with whom I had established a automatic payment. When I called PNC Visa, they informed me that new credit card info via a " XXXX Account updater '' had been given to XXXX. At this time, I, the cardholder did not yet have the updated card to activate. They blamed XXXX and transferred the call to it. XXXX blames PNC and said that it issued the new information to merchant even before I had the card. I called XXXX XXXX and verified that a new expiration date had automatically been given to them. I had to give them my current card info so they could charge the account. Now, I have to call XXXX back when I receive the " new card '' so I can reactivate automatic billing. There is something wrong with the PNC VISA process when Merchants have information before I receive and activate a card. I have no clue what other of my automatic charges may have this same issue before I receive the new card to activate. This is an unnecessary and time consuming issue. None of the customer service reps at XXXX or PNC had any way to solve the issue. 
Please help so other consumers do n't get caught up in this same unnecessary problem. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls continues to report my account and the information is so old and should have been removed.
Product: Credit reporting

I have a so called " Personal Service Loan '' with XXXX. It was opened in XX/XX/XXXX. In XX/XX/XXXX, my relationship with XXXX was terminated and my accounts, including this loan, were closed. For the first few months after account closure, I was not receiving statements. I do now receive statements, but often times weeks after the date the statements indicate they were mailed. 

At that time, XXXX was incorrectly listing my account as a revolving credit line. Sometime around XX/XX/XXXX, I disputed it with Equifax. Equifax completed the dispute and reclassified it as an installment loan ( see attached credit report dated XX/XX/XXXX ). Up until today, XX/XX/XXXX, this account was always classified as a CLOSED installment account. When I checked my report today, much to my surprise this account is now listed as an OPENED revolving account with a XXXX late notation. Not only is this account misclassified, something that was initially changed through dispute procedure has been changed without informing me of this change, a violation of FCRA. 

In addition, this account has never been XXXX+ days past due. The minimum payment due on this CLOSED account is {$550.00}. On XX/XX/XXXX, there was a payment made in the amount of {$600.00} -- {$45.00} more than required. In order for that payment to have been deemed late, it would have had to be received after XX/XX/XXXX. 

On XX/XX/XXXX, I made a payment of {$500.00}. Together with the overpayment from XX/XX/XXXX, the total payment made was {$540.00}, which is more than the {$520.00} that was due for that period. However, XXXX is now indicating that my account is {$20.00} past due more than XXXX days. That is not the case. I would never allow a negative entry to be made on my credit report over such a miniscule amount like {$20.00}. Also, I would point out that the payment key on the account indicates as current status.
Product: Money transfer, virtual currency, or money service

Went on cash app after having someone send me money for a motel room since my car and belongings were stolen the night before. Bought, {$70.00} in bitcoin and all of a sudden my cash app was locked and I couldn't even transfer the bitcoin to my cash balance to get it out. They want me to vefiey with my id card but it was in my wallet in my car when it was stolen, they refuse to offer any other alternatives. That's all the money I have right now I need it. I have verified my identity several times already with my id it should be on file.
Product: Credit reporting or other personal consumer reports

I have inquiries on my report that I didn't do on my transunion report I have XXXX  XXXX  on XX/XX/XXXX I have XXXX XXXX on XX/XX/XXXX I have XXXX  XXXX on XX/XX/XXXX I have XXXX XX/XX/XXXX I have XXXX XXXX XXXX XXXX  XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i havent given credit reporting agency permission to report anything on me. this account does not belong to me and it need to be removed now. i dont know why they are reporting without me having knowledge. i dont even know if these people are legal to carry this debt in texas XXXX who are these people.i demand that these people cease and desist reporting this and even communicating with me in any way. this is totally illegal.
Product: Credit reporting

Information was provided to Equifax and XXXX without my authorization or consent. XXXX inquiries without my permission.
Product: Money transfer, virtual currency, or money service

I had a venmo account and a ex boyfriend who did some shady transactions- he sent me money and asked me to send back to him. When I realized that he was doing something probably illegal, I contacted Venmo to report him and provided his name and contact information. Venmo responded by deactivating my account. I have tried to find out why but they will not respond and have told me to not contact them again.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2023 Amount : {$470.00} There was a transaction that I did not authorize sent to this person, I contacted the person and they refused to sent it back. 
I went ahead to get support from a cash app customer service but there was no one to help me, no hotline, no customer support, it was extremely disappointing how I couldnt get my own money back or get help from this issue. I had no one to go to for this issue.
Product: Debt collection

PDQ SERVICES Contact info for debt collector- XXXX XXXX CT XXXX GA Phone Number ( XXXX ) XXXX Attempting to collect debt for XXXX  XXXX XXXX XXXX Where i lived for 3 years and never late also left on good terms. Used unethical tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is ruined my life and Is affecting my family I am not able to buy e home from long time because of this issue
Product: Debt collection

I rented a unit at XXXX XXXX. While installing cabinets in the unit above me. They put a screw into a pipe that leaked down into my unit ruining the carpet. They never replaced the carpet When moving out, they tried to charge me for the carpet, and I refuse to pay. 
I emailed you all the evidence and action was taken removing the bill submitted by XXXX XXXX XXXX Now the exact same bill is up again under a different name XXXX XXXX  After all my work and spending XXXX dollars to make copies and email everything to you what good does it do if these people resubmit under a different name
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit card or prepaid card

This account has had a hold for over 3 years. I have sent over documents requested to Capital One for verification to remove this hold. I have just recently resolved the annual fee being charged to me for the past 2 years and it was credited back to the account. However this is useless because I have no card to use this account, therefore a credit is useless unless I can use the card. I have called and left voicemail to the representative handling the last complaint, with no call back or card replacement. My last correspondence to Capital One was a fax with all my verification documents almost 3 months ago. Still no card or response.
Product: Money transfer, virtual currency, or money service

I was hacked sometime and XXXX and couldnt get back into my cashapp account and got 2 unauthorized charges that were sent to XXXX XXXX for XXXX on XX/XX/XXXX and XXXX. I communicated with cash app multiple times and they kept denying the dispute without further explanation. I have read this is valid reason for lawsuit due to failure of process and am considering this as my next step if cash app doesnt respond to the cfpb complaint. The charges are fraudulent, unauthorized, and a result of the hacking of my account. I have the proof also where it says someone unauthorized logged into my account in XXXX.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a National Data Breach. Reviewing my credit reports, I noticed some accounts that I'm unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided due to my information being exposed. I have submitted an FTC complaint reporting the information I'm not familiar with. 

Please find attached a copy of my ID, The FTC complaint, A copy of the XXXX XXXX XXXX  report showing my information being exposed in a national data base, a 605b letter, and an Equifax Affidavit explaining why further action should be taken.