23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt was paid in full in XX/XX/2017, for about {$220.00}. I verbally asked over the phone before settling this debt that in exchange for my payment, they delete this account which was ( and still is ) negatively reporting on my credit. I held up my end of the agreement and paid, but they did not hold up their end of the agreement. They are still reporting negatively on my credit report under collections, as account settled. This is NOT what was agreed upon and they are holding me back from the benefits of having good credit. I have repeatedly contacted them via phone afterwards to dispute this, but after stating what my problem is each time I call, they then transfer me to another line, then the phone coincidentally gets disconnected. I paid this account and in return this was supposed to be deleted. They lied.
Product: Debt collection

The bill was paid and the equipment was turned in but then I saw that it was on my credit and I called and they said the equipment was not returned and I finally spoke with someone and they confirmed that it indeed was returned and that it would be handled but it wasnt and it is still on my credit and every time I call someone says something different.
Product: Credit reporting or other personal consumer reports

XXXX I noticed XXXX XXXX  reported I had a credit card balance with capitol one. I submitted a dispute through XXXX XXXX and called XXXX XXXX. XXXX XXXX said I had open a credit card in California, I explained I lived in XXXX  Idaho and had no knowledge of this account. The representative starting rambling off all charges made on this account, so I ask if I could get a copy of signatures because I know its not mine. He said no because none of the purchases required a signature. So I asked for proof of payment again I was told no. Ive filed complaints XXXX times and nothing has come out of any. This is not my account and Im receiving no assistance having it remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

New and updated information. I XXXX XXXX am submitting this complaint without any influence of a third party. Experian is knowingly and willfully illegally furnishing accounts on my consumer report without my consent. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) a consumer reporting agency may furnish to a consumer report in accordance with written instructions from the consumer. I did not give Experian consent to furnish anything to my consumer report. No consent is Identity Theft. An FTC report was sent to Experian on XX/XX/2022 and Experian stated that they are unable to honor the request because they did not receive identification. However, they removed 3 inquiries that was listed on the report. They did in fact receive identification and are not complying with federal law. Pursuant to 15 U.S.C 1681c-2 a consumer reporting agency has 4 days to block the information listed on the FTC report . Unless Experian can provide written documentation that I gave them consent to furnish to my consumer report they are fraudulently acting on my behalf. Please see attached documents as it contains my full complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You have are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.
Product: Credit card or prepaid card

On XX/XX/2018 I went on XXXX to make my payment. I set my payment to come out on XX/XX/2018 in the amount of XXXX. I go back on the site today to pre-arrange my payment for XXXX and the site says I am past due. The site didn't save my payment. So now I am delinquent with late fees etc ... 

So I started a chat session with an agent. Keep in mind I am logged in. The virtual assistant keeps asking me to log in to my account. I keep saying I am and eventually get to a live chat agent. The system asks me a second time for my account info input the info. The chat agent still says I am not in but on my end I see my account, my name, amount owed, all my details. So she sends me a text and I have to give a code so now we are up to the fourth time logging in due to their system. So that is a red flag with their website. I explain my situation and tell them exactly what I did last month with the payment. I asked for them to waive the late fee. The agent tells me to hold for five minutes comes back and say they can't waive the fee. 

I ask to be connected to someone else they won't. I ask for a name they won't give me one. They tell me that my info and request will be forwarded to management. That if something changes I will see it ... Which is horrible service so I ask a second time for a contact name to follow up they throw me a generic phone number with no name I just need for their website to work and this late fee to be waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian have been and are in constant violation of the United States Codes that cover " Accuracy and Fairness of Credit Reporting. '' For my current and open account XXXX XXXX Account, Experian has violated my right to privacy, reporting my private information regarding my open accounts payments. This is not a closed account. Yet According to 15 U.S. Code 1681 it states " 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I do not consent in any way for my private status of my open and current account ( s ) under this account to be reported to Experian, XXXX, or XXXX Credit Bureaus. According to this United States Code, my right to privacy has been and is continuously being violated, with reporting my late payments in my credit report, which have not only affected my ability to qualify for proper mortgage loans while serving in XXXX XXXX military status currently, but being able to properly qualifying for appropriate car loans, with a fair reporting credit score due to deficiencies reported like such. 

As for the XXXX XXXX XXXX account listed as a closed account on my XXXX Credit Report, XXXX Credit Report, and my Experian Credit Report, I am demanding that this account be removed from all credit bureaus including but not limited to XXXX, Experian, and XXXX, as it violates my right to privacy posting late payments within this account, and also posts the account as a charge off. A charged off account, can not be considered a " late payment. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX XXXX Balance : {$15000.00} ; XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called US Bank, for my XXXX mastercard, to try and get a credit line increase on XX/XX/XXXX ( to raise my credit score - as im soon to be refinancing my house ). They stated there may be a hard inquiry on my credit score, to which I responded " I do not authorize that '', and which the customer service representative replied " ok ''. 3 days later ( on XX/XX/XXXX ), a hard inquiry showed up on my report. I called to ask them to remove it, as I did not authorize it, and they claimed I did the request online, and that I did authorize it, even though the conversation was recorded. I explicitly said that I did not authorize it. I would like this hard inquiry removed please.
Product: Credit card or prepaid card

XX/XX/18- Recieved in the mail HSBC Mastercard credit cards for my wife and myself that we never applied for nor want. I spent 25 minutes on the phone getting these cards canceled and want to be sure that they are never activated.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are being reported Fraudulently FTC REPORT ATTACHED WITH ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have paid all of my payments on time and this is not me someone is using my information and causing me debt please remove this immediately
Product: Vehicle loan or lease

I created a dispute XX/XX/2017, under the assumption that the account was older than 7 years from the date opened. However, after the dispute, I learned that it's the date from the first delinquency which is XX/XX/2017. 

After completion of the dispute. United Auto Credit purposely supplied incorrect information, in the form of an update. United Auto Credit falsely reported update as the first date of delinquency being XX/XX/2017 ; whereas before it was documented as XX/XX/2017-which is also wrong. 

Also, United Auto Credit removed charge off status and updated it as open. The account has been closed since XX/XX/2017 ; aside from verbal confirmation, I also have emails confirming date of XX/XX/2017. 


I called and spoke with a supervisor by the name of XXXX, who advised was not United Auto Credits ' fault, and that it was XXXX fault. XXXX mentioned a Metro 2 file? and its accuracy, and that it is totally XXXX fault. 

I called XXXX, who advised was not inputted wrong ; and was actually the response from the creditor. It was the creditor who supplied the incorrect information. 

United Auto Credit understands that I do not possess the funds to pay them ; and reported the information to negatively impact me ; in hopes of coercing a settlement. 
When I called XXXX he stated since there was nothing I can do if I would like to settle for deletion of {$1200.00} ; then sent a form that stated settle to update the account as paid. 

When I advised of the error, he advised unable to delete-and offer was no longer on the table ; he also refused to send copy of payment history or copy of the contract ; after a couple of calls he finally sent documents. 

XXXX stated he would send to credit dispute department, but would not provide a date investigation would be complete ; and would not supply a contact number to check on status of the investigation.

I have placed multiple calls requesting confirmation of the investigation, and have not received any help. 

Also to add they have been reporting the wrong balance per payment ledger, the ending balance is {$4100.00} I am scared to dispute the account again, as they may report more erroneous information that will negatively impact my score.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to TransUnion on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX-Account number XXXX XXXX XXXX, XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i*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 1681 eb they are supposed to ensure this b ) Accuracy of report 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. and according to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors 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. 


( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii ) the information is, in fact, inaccurate. 


TransUnion really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Checking or savings account

XXXX reported an inquiry on my credit report by Citizens One Bank on XX/XX/2021. 

On XX/XX/2021, XXXX notified me that I had purchased 2 XXXX units and charged my Cizens One Bank credit card for those purchases totaling almost {$1000.00}. 

I called XXXX and they canceled the orders. 

I called Citizens One Bank and the fraud department said they opened a fraud case # XXXX and gave me the fraud department phone number XXXX. I've called them 4 times, and it says to leave a message, but no one calls back. 

I received an email from Citizens One Bank welcoming me to my Mastercard account # XXXX, and asked me to set up my account, which I didn't. 

I reported this fraud to XXXX and they put an alert on the 3 credit reporting sites. 

The address they noted was my previous address.
Product: Credit reporting or other personal consumer reports

The inquiries were not initiated by me and I have significant concerns about their legitimacy. I urge you to conduct a thorough investigation and swiftly delete them from my 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 violates 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 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 of these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed credit reports through annual site to obtain all 3 reports. Attempted to submit disputes for incorrect name spelling and dispute a social security number that is not mines. Called into Experian number that was listed on report to call. 1st customer service rep came on I explained what I was trying to do and she advised she would transfer me to dispute center. I heard music while waiting, line opened up and no one is saying anything the line is just opened and it has been for 35mins. I called back into the Experian number on another phone and proceeded to tell rep what the issue is and that my other call is still open on my other phone and no one is saying anything. The rep has the line open but is not saying anything. In order to correct issues on my credit report I expect to be able to talk with the dispute center. If the dispute department is taking calls then they should be actually taking the calls and resolving them not pretending to be on a call.
Product: Credit card or prepaid card

In 2020, upon receiving a points incentive XXXX XXXX points XXXX to renew my American Express Platinum card for a {$550.00} annual fee, I agreed to renew my card for another year. 

This year, I tried to cancel the card but American Express told me I would have to return the points given last year if I cancelled it. The reason given is that the condition of receiving the points was that if I were to cancel before the year was up, I had to return the points - the representative calculated that because I agreed to renew the card on XX/XX/XXXX, I had to cancel my card on XX/XX/XXXX in order to not have to return the points. HOWEVER, I was told that I have to cancel my card PRIOR to XX/XX/XXXX, i.e. by XX/XX/XXXX, in order NOT to be charged the {$550.00} annual fee, as that was the deadline I had to cancel the card and not be charged for the annual fee. So this difference of ONE DAY, due to some kind of technicality in calculating the days, is making me unable to cancel my card without the penalty of having to return the XXXX points I was given for renewal ( and I've already spent the points ) and I think this is unconscionable and a way of forcing card holders to keep renewing a card that they no longer wish to renew.
Product: Credit reporting

Equifax has multiple accounts showing on my credit report that have been included in bankruptcy. These accounts show to have been included in bankruptcy but still show balances, past due dates and negative pay history. They have refused to fix this mistake even though I have asked them to twice now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Stellar RECOVERY a dispute to the listed address in my credit file on XX/XX/XXXX which was delivered and picked up on XX/XX/XXXX. 
They put the account in dispute but failed to send me any competent evidence bearing my signature, showing that I have or ever had some contractual obligations to pay them. 
Stellar Recovery Refuses to ACKNOWLEDGE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX. 
XXXX XXXX are still reporting incomplete, and inaccurate information. 
FOR STARTERS, they are reporting an high balance {$230.00} that is inaccurate with the balance of {$230.00} because no payment was ever made to them in order to establish the price deduction. 
They 're reporting an inaccurate Date open, and TERMS because there is no CONTRACTUAL agreement that was ever established. 
INCOMPLETE ACCOUNT number and payment history On XXXX No high balance, NO missing monthly payments, NO estimated REMOVAL date ...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, JEFFERSON CAPITAL SYSTEM & has violated my rights. 
I looked at my XXXX credit report on XX/XX/2024 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 general, 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 ( i ) 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: Debt collection

The credit bureaus refused to provide you their MOV ( Method of Verification ) for the Credit Card listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account
Product: Checking or savings account

I am filing this complaint against BMO Harris Bank. 
This bank stopped my debit card and will not send a replacement card and hence I have no access to my money. 
I have contacted their customer service numerous times and they will not send me a replacement card nor close my account and send me my money. As a result they are keeing my money and preventing me from accessing it.