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

On my credit report show i have closed accounts in collections for student loans which i reported as fraudulent i explain that i notice this on my credit few months ago at the moment when i had knowledge about this i was not in a good state of mind i was going thru some hard difficulties so when i became better i thought that since i didnt report it when i knew about this that i Had to pay so i got of hold of a representative and i believe i even gave a payment but i only just had given one payment but as i got more information about fraudulent and identity theft it didn't seem fair i had to pay for something that i didnt do i have gone thru every process to adem my mistake for my ignorance i lock my credit reports i have put a fraudulent alert and i also report it i dont have no documents of the information anout this loans i only know what ive had seen on my report ive ask many times to please remove this accounts that is affecting me my life has also ive ask to remove incorrect information from my report but i feel hopless not receving no help ive been living and moving around alot in the past ive lost many personal things of mine but i asure u i never my self have ever apply for no loan or interessted in continuing school i didnt know much about what steps i needed to take true be told im learning my rights and the best of my knowlege I have not apply for no loans i have many times dispute and contact all 3 credit berues and send letters to the accounts of the collecters please feel free to contact me if have any questions or if i didnt explain my self right im disable of one hand so its some what dificult when right handed and only have 4 fingers well thank you for youre attention and hope this finally gets resolve and remove because i will take this where ever is nessery to speak my thruths and be heard that this is not right that i got my identity stolen and my life now that Im just starting try to live. Once again thank you and please remove those accounts. Have a safe blessing day.. 
2016 XXXX XXXX my sister pass away That how much of guarantee assure i did not apply for no loan me and my family have gone thru some difficult critical situations i do apologize for any incorrect spelling or any confussion or if i dont know how to explain my self.
Product: Credit reporting

I have called and sent certified letters in regards to the fraudulent inquiries.I have received the same general response for all inquiries. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that nay information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information for it 's files. One can assume that there was no investigation into the matter since I keep getting the same general response. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I also have a fraud alert on my account since XX/XX/XXXX to prevent things like this from happening and it 's still happening. I demand that these inquiries are removed or I will take this further. 

Describe what happened so we can understand the issue ... 

I have submitted disputes to remove these inquiries that do not belong to me. I have not received an application or information on how these inquiries that I did not apply for credit on are on my credit. I need help clearing this up. The list of inquiries are below. 
These inquiries are fraudulent. They are not mine. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've been dealing with alot when it comes to my credit report. I do have a XXXX, and it's been hard trying to understand all this. So I don't have exact dates but on my experian credit report my social security number gone. And there are 2 other number of social on my report. I did call them, and they said it's what I reported... Wait I didn't report nothing of that.. There address that are not mine my name is wrong about 4 times or so. There are disputes that I've been denied I have a credit card that's not mine I've been disputing since XXXX. My social right on my XXXX and XXXX there messed up too.
Product: Debt collection

I've known I've owed Federal Student Loans for some time. I took it upon myself to contact GC Services to set up payments. I've sent ALL REQUIRED PAPERWORK, which I have PHYSICAL COPIES of and they have been collecting payments for 4 months then all of a sudden they STOPPED. I get my paycheck and 15 % HAS BEEN GARNISHED! this was alarming and a tough pill to swallow all in all I felt GC Services ripped me off I filed all paperwork even made all my payments on time and, for what!? They couldn't even send and, email to inform me.of these changes! I'm a single mother just trying my best to be an, amazing mom and, keep me and, my daughters head above water next month is her Birthday I doubt I'll even be able to afford a party. All the rep that I spoke to could say is its unfortunate and, it must be a paper jam error wowww.
Product: Checking or savings account

XXXX XXXX Pursuant to NY XXXX XXXX NY XXXX XXXX Capital One failed to honor XXXX Complaint Report XXXX South Grand Larceny Case XXXX XXXX XXXX ; further failed to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/2023. 

Capital Ones legal representation called XXXX XXXX, XX/XX/2023 at XXXX XXXX stating he had 1-Hour to agree to whatever settlement amount they offered. I am pleading the CFPB order provisional payment over {$10000.00} for their negligence to prevent XXXX XXXX , from banking while leaving the bank account # XXXX open, failure to file and failure to respond to CFPB complaint XXXX requesting litigation in XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, 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. 

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 XXXXas 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 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 card or prepaid card

I connected an external banking account to pay my bills. I have moved and added a new bank, but Barclays will not remove the original account after I have requested it for 4 weeks. They get an error in their system and ask me to call back, but after 4 weeks and hours of my time, they have not. 

Keeping my external banking, when I have requested it be deleted is a violation of privacy and it is wrong. Spending
Product: Checking or savings account

Good afternoon greetings. My bank account at Bank of America was blocked on XX/XX/XXXX and in XX/XX/XXXX they informed me that they closed my account, I was the victim of a scam, two bank accounts made a transfer as a result of a sale and purchase of Bitcoins, these transactions were successfully executed, but these people called the bank and indicated that their accounts were being hacked, as a result of which the bank decides to block my bank account, I proceeded to send proof that these people received the bitcoins in a satisfactory manner, these tests were sent three Sometimes, the bank arbitrarily decided to close my bank account and debit the amount claimed by those people. I received a letter from Bank of America informing the closure of my account and that the remaining money {$6400.00} would be sent by check to my home address. Eight months have passed since they blocked the account and they still do not return the money, every time I call the bank to ask what happened to my money, they divert the calls, they lie to me, they even told me that they had returned the money to the company I work for, which is not true, and on repeated occasions they hang up on me. I appreciate you can give me a solution to this problem with my money.
Product: Debt collection

The debt was submitted to National Enterprise System Inc. I did not have an agreement with this collection agency. 
Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.
Product: Credit card or prepaid card

I have been trying for 2 Months to catch up my PayPal credit account - THEY WILL NOT LET ME LOG IN AND SIMPLY PAY ONLINE I have called everyday for the last 3 weeks and I keep getting stuck in a roundabout about I need to call this other # and it just dumps me after I enter my info
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. 
I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : ACCOUNTS RECEIVABLE MANA : Balances {$6900.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX : Balances {$1300.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors. 
Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above. 
During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher. 
Promptly update my consumer report with the correct and accurate information. 
Provide me with a written statement of the investigation results and any changes made to my consumer report. 
Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. 
As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action.

I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. 
I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Product: Credit reporting, credit repair services, or other personal consumer reports

early warning credit systems or ealry warning is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its XXXX they must purge my account or legal action may take place
Product: Checking or savings account

Dear XXXX, I am filing a complaint against Chase Bank 's decision of the refusal to our chargeback against XXXX XXXX who lured us to make a deposit to their oversea bank in the amount of {$15000.00} on XXXX XXXX, XXXX. Half year later, XXXX XXXX closed our trading account and refused us to make a withdrawal. By the XXXX XXXX, we still had over {$70000.00} in that account but can not access to it. 

I told Chase Bank XXXX XXXX employee XXXX that XXXX was doing illegal financial activities in XXXX and they failed to deliver their promised service to their customer. Chase just ignored the fact and even did n't take a investigation. They just simply told me that the time frame to file a chargeback was 120 days and I have passed the valid time frame. I told them I was filing my claim for a refund under the XXXX XXXX XXXX which allow us have 540 days from the date we sent the money when was XXXX XXXX. But XXXX just ignored this Scheme and repeatedly told me I passed 120 days time frame. They even did n't know what XXXX XXXX XXXX is. I suggest them study the XXXX XXXX XXXX and take a close investigation at my case. Otherwise, it 's unfair to me due to Chase Bank 's ignorance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Debt collection

This account does not belong to me and I would like for it to removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX which they closed for no reason. I was paying it off monthly. I have been working hard to get all my debts paid and make sure my credit report was accurate because I am trying to buy a house. I made my last months payment and due to an error in THEIR system it drafted from my old account so my payment was returned. They were calling me XXXX times a day but the number doesnt come up, it says spam and they were calling while I was at work. Once I realized the error I immediately paid and the payment cleared BUT they had updated on my credit reports that the account was past due and that I owed {$240.00}. I owe {$140.00} and this balance will be paid off with my next payment. Also, it says I have a past due amount which I have a screen shot of saying I do not. I couldnt get in touch with XXXX XXXXXXXX because I no longer have this card and when you call you need an account number or they hang up on you. So I cant even dispute this with them on my own. As a result of this situation my credit score dropped XXXX points with experian in one day. And it dropped XXXX points with XXXX. All of the work Ive done with my credit in the past year is completely invalidated. The credit reporting agencies are very quick to report one error but will not report/update the inaccurate information. Its very frustrating and unfair.
Product: Credit card or prepaid card

I wanted to pay off my Auto loan so I called XXXX and the Agent from XXXX asked me to use my credit card to pay the partial payment thru the Capital one Credit card so I asked the agent about the charges and other stuff and Agent told me that if you pay your credit card right away once the transection posted in your statement then you will not be charged any extra so I used my credit card. After call with XXXX, I called the Capital one just to make sure they don't charge any thing extra and they I knew that they charge 3 % transection fees. So I told them please stop the transection but they told me that they cant do that. so I called the XXXX they also told me the same thing. Then I again called the Capital one and asked for help so they told me don't worry for now, wait because if didn't go through it then you didn't need to worry. meanwhile I found that my cash advance limit is only {$150.00} so I thought that it will go through. but after 3 days it wend through and Capital one charged me {$120.00} ( XX/XX/2019 ). So I called again and explained everything about the situation and also explained about my cash advance limit ( {$150.00} ) and asked the agent how that is possible to give me {$4200.00} ( XX/XX/2019 ) cash advance even my limit is only {$150.00}. he said I cant do anything. I wasted almost 2 to 3 days behind that but nothing worked out. I feel being cheated as it shows clearly in my account that my cash advance limit is {$150.00}. please help me as they don't care much about their customer even I was with capital one with last 5 years. I felt helpless & so writing here about it. please help me. I would appreciate your help. thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to TranUnion disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 ) provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

On XX/XX/XXXX I reviewed my TransUnion credit report and the Bankruptcy Remains.

On XX/XX/XXXX I received a letter from U.S. Bankruptcy Court, Eastern District of Wisconsin stating that the court does not report any information to any credit agency.

On XX/XX/XXXX I sent a certified letter to TransUnion again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report.

TransUnion received my letter on XX/XX/XXXX On XX/XX/XXXX I again reviewed my credit report verifying that XXXX has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX  department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXXXXXX XXXX is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.