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

The following accounts have been unverified properly but yet still reporting on my credit file, as a general rule the 3 major credit bureaus can not and should not use electronic Verification as fact. In fact and by law electronic Verification can not be accepted as proof therefore either you / the 3 major credit reporting agencies send me physical documentation to verify these accounts or these following accounts shall be removed and blocked immediately from falsely reporting on my credit file. Please remove these unknown and unauthorized accounts, 1 ) XXXX {$670.00} 2 )  XXXX {$820.00} 3 ) XXXX XXXX {$120.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a new bed from XXXX. The order total was {$400.00}. I was moving into a new apartment on XX/XX/XXXX and had discarded my old bed. I received an order confirmation email from XXXX stating the estimated delivery date would be XX/XX/XXXX - XXXX. On XX/XX/XXXX I received another email from XXXX stating the bed would be delivered on XX/XX/XXXX. Instead, the bed was delivered on XX/XX/XXXX and no effort was made by the shipper or the shipment company that the bed had been delivered two days early. Since I had not moved into the new apartment yet, I drove over to the building to retrieve my package and it was not there. Since signature delivery was not requested by XXXX, XXXX was empowered to leave the package unattended in an apartment building that I was not yet living in. I contacted the merchant, XXXX, who asked me to " wait for 3 days for the package to turn up '' which is unreasonable because XXXX packages don't just disappear and " turn up. '' I contacted my credit card company and filed a dispute, then I ordered the same exact bed from the same company. I had to sleep on the floor until my new bed arrived. I made my bank aware of all this, and submitted a signed letter along with 14 pages of documentation proving negligence on both the part of the merchant and the shipping company. I provided proof that XXXX ignored the signs in the building and left the package in the wrong location, I provided proof that XXXX advised me of one delivery date and actually delivered on a different date, and I provided proof that the same bed was purchased twice. Capital One has taken none of this evidence into consideration and has sided with the merchant twice, stating that XXXX reported the package as delivered. Whether or not the package was delivered to the requested address is not the issue, the issue is it was delivered two days early and stolen. I should not be held liable for a package that I didn't receive and I should not have had to pay for the same bed twice. They have reversed the credit on my account, despite the fact that the " investigation is still ongoing. '' They have also contacted the merchant and advised them that I would not be receiving a refund because " the bank has ruled the dispute as invalid, '' which contradicts what they told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identify theft I have reported the problem already with local police, FTC AND CFPB I did notice some incorrect addresses and employer information that needs to be removed as soon as possible because it is incorrect. I have reach out to the companies already and got no help I have attached my XXXX  drivers lice sec which has my correct address. The employer information is incorrect as well and needs to be removed I am monitoring my credit daily sense my ex boyfriend use my information to obtain fraud accounts in my name.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks : DATE COMPANY ADDRESS XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX DATE COMPANY ADDRESS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I have a reference number is XXXX at : IdentityTheft.gov. I was a victim of identity theft a few months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again Trans Union has allowed the placement of a hard inquiry this time from XXXX XXXX Just FYI Trans Union I have my service with XXXX XXXX XXXX for the last three decades and I don't plan on changing anytime soon, I guess you've never herd of Identity theft which is exactly what this is but since you're so out of tough with the public you wouldn't know that, but I can assure you that after I'm done informing the attorney general in my state and yours, and the FTC for starters, you will know.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX ACCOUNT # XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX-XXXX and I have filed multiple complaints with XXXX, Equifax and XXXX regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX I called Central Credit Services LLC to negotiate a debt settlement. The representative and I reached an agreement, of {$1200.00} dollars, and I would pay {$30.00} on XXXX XXXX, pay {$600.00} on XXXX XXXX and {$630.00} on XXXX XXXX. On XXXX XXXX my mother threw me out of the house for reasons that are still unclear, but could be related to XXXX. I notified Central Credit Services LLC, specifically XXXX XXXX of my situation and that I could no longer fulfill the terms of the agreement because of the need to find a residence. XXXX XXXX called me on XXXX XXXX and I called her back to confirm my cancellation and the money would n't be pulled from my account. I wanted to talk to a manager to confirm, then the manager did n't give his name, and harassed me in several ways. 
He said to me that " it sounds like I have the money but I do n't want to pay ''. I do n't have an apartment, and I am sleeping on the couch and sometimes the floor, of a relative, an apartment needs to be the first priority. Why this was a means to a conflict is the XXXX. I told him that I was willing to pay, but that I needed a month to get back on my feet, so cancel the payment in XX/XX/XXXX and move it to XX/XX/XXXX. He was unwilling to do this and told me if I did n't pay I would owe {$1800.00} which is the wrong amount because of the {$30.00} dollar payment. Also he said that he would report me, as refusing to pay. I am not unwilling to pay, but I need a grace period all of my clothes are in my trunk, I am sleeping on the couch or the floor of relatives, I need to secure an apartment. He also cited XXXX legal advice that states my mother ca n't through me out because she did n't give me 30 days notice, I do n't own the property nor do I share it, nor was I paying rent, and I am not a minor, so yes she can. He completely throughout the conversation dismissed my circumstance as trivial.
Product: Student loan

On XX/XX/2018 at XXXX, I spoke to a Sallie Mae employee ( who, at some point, decided to brag about how his cosigner was " dead '' and that his loans were " taken care of '' ) to inquire about my loans. This employee went on to lie to me and tell me that I could fill out a " volunteer deferment form '' ( which, in name, does not exist ) or an " in-school deferment form '' ( which does not exist for medical leave students ) in order to have my loan payments deferred before I go back to school this fall. 

I received call ( s ) every single day which did not help my XXXX at all given that I would often be on hold for over 40 minutes. At some point I even uploaded my medical leave confirmation papers and two agents told me both document files ( all 17 + 1 = 18 pages ) were never received which was also probably a lie. 

Since that phone call I have had at least 4 other Sallie Mae employees ( including my supposed " case manager '' in Delaware ) be dishonest with me about what Sallie Mae could possibly offer me regarding temporary assistance in deferment.  Additionally, they would often remark about how soon they could take legal action against me and ruin my credit score even further for up to 7 years. All the while, my credit score /has/ plummeted 250+ points with no recourse because of Sallie Mae. 

I have probably spent over 7 hours on the phone with agents from Sallie Mae in  order to resolve this issue and out of it I have received nothing but abysmal credit reports and snark for trying to advocate for it.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested.
Product: Checking or savings account

Several fraudulent charges on both my checking account and credit card with chase bank. I had lost the cards and reported it to chase. They issued new cards and reversed some of the charges. Now they've reversed them again. This has happened before with chase fraud department. They are fraudulent. Now my bank account is negative. They caused me so much grief by suspending my accounts multiple times but still let the fraudulent charges stay. What can I do to get my money back?
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 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 the did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

Company has refused to run investigations on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX even while reporting information clearly shoes fraud and is addressed to a location that is not on credit report. When asked to investigate issue company has stated meets FCRA requirements this is false as the address states XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not present on any reporting agencies and was clearly never in past or future. 
Company has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable And should be held liable for all errors they continue to report
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The person who stole my identity is XXXX XXXX and she goes by other aliases. https : XXXX XXXX XXXX XXXX XXXX best friend / roommate / business partner stole my information before she moved out to live with this woman. They drained my bank account over $ XXXX. XXXX gave me a credit then reversed it and has refused to help me recover the funds. This woman also opened credit cards in my name. After everything was disputed I closed the account. One month later chase reversed the debt and wants me to pay over XXXX. The debt is now on my credit as XXXX, XXXX, XXXX, XXXX, and over 120 days late. I have called many times to dispute, they are no help. I submitted a dispute form. XXXX lost it. I submitted another dispute form and it magically disappeared again ( my guess was XXXX wanted to buy time to charge me interest and make my account more late ) I again for the third time submitted another dispute form and chase lost it again! An electronic dispute form. They informed me I needed to go in person to the bank even though I explained I was living on a mountain not near any banks. One month later I was able to go into a bank in person to submit a paper dispute form with the help of a teller. XXXX LOST THIS DISPUTE FORM. I had a picture and the employees name and they refused to accept it and insisted I needed to go in person to submit another paper dispute form. I go in person to submit my 5th dispute form over the course of several months. XXXX lost it again. When I finally submitted my 6th dispute form in person they rejected my dispute without reason. I requested for them to reopen the case and they refused and said I needed to pay the debt and they could not help me recover the funds. I provided my police report also ( the police refused to help because identity theft is a nonviolent crime ) I requested proof the debt was me and an itemized list of debt per section XXXX over the phone on two different occasions and XXXX refused to provide me the information and says they are not bound by section XXXX. I am trying to find a lawyer I dont know how to fight this big corporation to get my money back- I feel so helpless.
Product: Debt collection

I don't know amounts. I don't get that far with the company. They ask that I verify my dob and I don't feel comfortable doing that without knowing the nature of the call. The have pulled information from XXXX XXXX and have every person and phone number assisted with me. They have been asked to not call my daughter but refuse to stop.
Product: Credit card or prepaid card

Hi I opened a Apple Card with Goldman Sachs around XX/XX/2021 I then made a purchase for approximately {$1100.00} and they gave me XXXX XXXX as a reward I then returned the purchase and they didnt retrieve the XXXX XXXX but instead charged my account but its not visible on my balance and now they are claiming Im past due 30 days on the {$11.00} and reported it to the credit bureau. When I call XXXX XXXX they say they will investigate but nothing has been done and my credit score dropped almost XXXX points iv not been late on any payments in the last 5 years on all of my accounts and this is really setting me back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have told XXXX, Transunion, and XXXX to investigate these accounts : XXXX XXXX : XXXX and XXXX XXXX. However, they stated everything was complete and accurate. That can not be correct, because the date opened, delinquent payments, and remaining balance are inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 802 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states that a reporting agency can not furnish an 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 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 reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.

Also they aren't in compliance with metro 2 credit report. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts listed below. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A

ccordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report. I noticed that these credit agencies were falsely reporting on my credit profile. 
I tried contacting Experian, XXXX XXXX XXXX consumer solutions. But didnt receive an answer. I sent out letters on XX/XX/XXXX & still havent received anything back. On my credit report, I see that my XXXX XXXX has a past due 30 days late on XX/XX/XXXX. I have never paid my account late and I asked them to update the account to paid as agreed. According to 15 U.S. Code & 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Anything thats Not being reported correctly must be adjusted to the correct status. Please help me with this convenience.
Product: Checking or savings account

I've been having issues since I signed up for PNC checking account. I never received my debit card. Then, it took an hour for the XXXX branch to print a card. The banker was more interested in trying to get me to sign up for XXXX accounts instead of the XXXX. The ATM is always out of order. I can not add XXXX XXXX. It keeps saying it can not be verified. I was told someone would follow up. PNC assigned me to XXXX XXXX who has been out of the office on vacation for over a week! I responded to her email as soon as she sent it! When I reached back out again, I was told someone else would reach out. That never happened. I've posted multiple times on social media asking for help. 

Yesterday, I spoke with an agent named XXXX who refused to let me speak with a supervisor or even another agent. He sat on the chat for almost XXXX hours. At one point, he told me I needed to " be careful '' in XXXX. I have a screenshot of the conversation. After this, my account was suspended and I can not access it or my funds. I informed PNC of this already. No one has followed up still.
Product: Checking or savings account

For months, my bank, Simple, has notified its customers that they were closing and we would be automatically transitioned to BBVA. Yesterday was the transition date and now every Simple customer has lost access to their money for two days now. BBVA has done nothing to remedy the situation aside from a few incorrect tweets. There was clearly no testing done on this important transition and the response clearly shows a lack of care on the part of BBVA.
Product: Mortgage

I made several payments on my HELOC totaling XXXX in XXXX. All the payments were then deleted with my bank statement stating there was a misapplication reversal but the money was not moved back into my checking account and is simply gone. I have been calling for two weeks and am only being told they are working on it but my line account still shows the payments were not applied and the money is missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached on in the month of XX/XX/2023 to have some accounts that were reporting inaccurately on my credit report removed. I am very familiar with the laws in which governs these credit reporting agencies to report facutal data when it comes to my name. 

The list of accounts which they are knowingly reporting inaccurately are the following below : 1. XXXX XXXX = Inaccurate ( HIGH CREDIT, DATE LAST ACTIVE, DATER OF LAST PAYMENT, DATE LAST ACTIVE. 

2. XXXX XXXX= Inaccurate ( DATE LAST ACTIVE ) 3. XXXX XXXX XXXX  = Inaccurate ( CREDIT LIMIT, DATE LAST ACTIVE, DATE LAST PAYMENT. 

4. XXXXXXXX XXXX  = Inaccurate ( BALANCE, PAYMENT STATUS, DATE OF LAST ACTIVITY. 

5.XXXX  XXXX = Inaccurate ( PAST DUE, DATE OF LAST ACTIVITY, DATE OPENED 6. XXXX XXXX = Inaccurate ( BALANCE, DATE OF LAST PAYMENT, DATE OPENED, NUMBER OF MONTHS " TERM ''. 

7. XXXXXXXX XXXX = Inaccurate ( MONTHLY PAYMENTS, BALANCE, PAYMENT STATUS. 

8. XXXXXXXX XXXX = Inaccurate ( ACCOUNT INFO ) XXXX AND XXXX REMOVED THE ACCOUNT BUT SOME HOW EXPERIAN IS STILL LISTING ERRONEOUS ACCOUNT )
Product: Debt collection

XXXX, received a call from Amcol Systems ( caller ID ) asking for my wife to discuss a business manner. I said she was at work and I was her husband. She started to fish for info ( after identifying herself as a collection agency rep ). I said wife was at work and XXXX gave me a number to call ( XXXX ). 

After speaking with my wife, I called the number back and asked for XXXX. She said call was being recorded. 

When asked for written verification of the debt, Amcol Systems rep. XXXX said their protocol did not provide for written verification of debt. I reminded XXXX that this was part of the Fair Debt Collection Practices Act. Instead, she gave me a list of amounts ranging from {$10.00} - {$200.00} and dates filed by XXXX XXXX. No other info was available except for XXXX phone number to call. 

She could not identify what the debts were for, just date and amount. WE were to call XXXX XXXX if we needed any more info. 

Thank You, XXXX