23daVinci/CFPB_Complaints huggingface dataset:
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 & confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX Dofed # XXXX, XXXX # XXXX has violated my rights. 
15USC 1681 section 602 A. States I have rights to privacy 15USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years.

15USC 1681s-z ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a Problem with XXXX  there is a 30 day late that's reporting on my credit report from XXXX XXXX for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report. XXXX is not Reporting a 30 day late payments on my credit report
Product: Debt collection

Upon examining my credit report, I noticed several accounts that I did not approve. I request their immediate removal and blocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my XXXX and XXXX credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries have appeared on my report by these creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I've been trying to make a mortgage payment online with my new servicer since XX/XX/XXXX. The first payment was reversed on XX/XX/XXXX. I just received notice of that on XX/XX/XXXX by mail. On XX/XX/XXXX I tried to make another attempt. At four days since the 2nd attempt on XX/XX/XXXX, the 1st agent told me to wait 48 hours after it still hadn't been withdrawn from my bank account. After 48 hours I contacted them again because still no withdraw. The second agent told me to contact my bank. So I did. They haven't so much as received anything from my servicer on their end. The third agent confirmed the account number and routing number are correct and told me to email this email address XXXX. That was today XX/XX/XXXX. I have received payment confirmation by email for each payment attempt. I would also like to note that they have no discernible way for me to contact them by phone. I've been given multiple different phone numbers each putting me in a infinite loop with their call menu bot. Every interaction I've had with them has been thru their live chat on their website. I do not even want to risk sending them a check in the mail because they have provided 3 different addresses so far and so I am very hesitant to try and send them anything. It has been beyond frustrating and now I'm actually worried that I will end up losing the house because of their negligence, lack of communication, and inability to resolve this matter in a timely fashion.
Product: Credit card or prepaid card

Back in XXXX of 2016 I purchased some furniture from Bassett furniture, and decided to use the wellsfargo card they offered and utilize the promotion they had. It was deferred interest for a year I made three sepetate purchases. One was for a large amount the other two were smaller amounts. Throughout the course of the year I made payments toward my balance with the understanding from them that all the money I was paying was going toward the main first promotional balance. I am close to the end of my first promotion and was going over numbers and realized that the money I was paying all this time was indeed not going to my main promotion. When I called them to ask what was going on, I was informed that I did not have a credit card but a loan. I began to explain to him I did n't take out a loan I had have a credit card, a XXXX card, and that every month I get a credit card statement. He decided to continue to belittle my intelligence and offer no help, rather pass me off to a supervisor. I spoke briefly to the supervisor and he said that I should of known this was how they operated, that he would get back with me, but never spoke about how out of the twenty times I called over the course of the year the employees should n't of lied to me. I would of not made any purchases with them had I know this, much less numerous ones. PLEASE do not for any reason use wellsfargo bank card service for any reason. They do not operate like any other card companies at all, they make sure you are undable to pay off any of your balance on time, and will lie and twist the truth to get you to use them. I have used many promotions and neve have I been scamed like this.
Product: Credit reporting or other personal consumer reports

I was trying to finance a vehicle and was told that my Equifax account was locked due to security reasons, this has inconvenienced me in a major way, I have a family and we rely on my car for all of our transportation needs. If I was made aware of this a long time ago ( which I wasn't sent a letter an email or nothing ) I would've gotten this taken care of so that I didn't run into problems like this. it is goin on 1 week with no vehicle and I am afraid I may lose my job due unreliable transportation.
Product: Credit reporting

I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do 10 disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : The date " XXXX/XXXX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : You MUST have the city and the state listed There 's no liability amount listed You must accurately and completely list " bankruptcy '' and you have it abbreviated
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit file for {$380.00} from a XXXX XXXX XXXX. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.
Product: Debt collection

Received multiple calls last week and each time I answered the phone, the person would hang up. I called back several more times and after getting the man on the phone, he told me there was a problem with the calling system. He finally told me who he was and that he was calling about a debt that occurred in XXXX for {$150.00} ( co-pay ). He became very hostile and said I needed to pay my XXXX bill. After asking to speak to a supervisor, he hung up on me. I called back three more times ( each time resulted in him hanging up on me ) until he finally put me on the phone with a supervisor ( she assured me he would be disciplined for his behavior ). I did make a payment arrangement for XXXX of the bill because I felt like it had already been paid but was told that my credit would be affected if I did not " handle my business like an adult ''. Since then, I received two more phone calls from XXXX different companiesXXXX claiming they are calling to recover the same {$150.00} for the same XXXX account. I called XXXX and asked to speak to the supervisor over billing. I was told that first of all, they did not know why a company would be trying to collect on a {$150.00} account from XXXX plus years ago and that they ( XXXX XXXX felt as if it was a scam. She advised me to call and cancel my transaction with Alliance Group and Associates because the only thing they showed in their archives was a {$50.00} co-pay that had been taken care of years ago. I did as they suggested and called Alliance, only to be spoken to by XXXX in a hostile and belittling manner. When I repeatedly told him I wanted the transaction cancelled and documentation showing the cancellation, he very rudely asked me did I want to, " handle things my way or the right way?!? '' and finally put me on the phone with his supervisor. She advised that the transaction would be cancelled but would not send me any supporting documentation, though I asked several times for something in writing. Alliance repeatedly called my elderly parents home, harassing them and even called my former in-laws, who I had not spoken to since XXXX, and left hostile messages on THEIR answering machine. This company is highly unprofessional, unethical and I feel almost criminal in how they do business. Even the hospital said they have no idea how, 15 plus years later, they got a hold of my account information. In closing, both XXXX and his supervisor, XXXX, threatened to have to, " call the original account holder that purchased my account and tell them I was uncooperative '', saying I was setting myself up for legal problems.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I recently opened a credit card with Capital One in XX/XX/2021. It is set up to autopay the full amount owed on the XXXX of every month. It's a XXXX Capital One card and I only use it for XXXX purchases because of the cash back reward. I used it for a few months without issue. I bought a TV with the card for XXXX, so my payment went from around $ XXXX to {$2000.00}. After that payment posted I repeatedly tried to use my card and was told the card had been declined and I had {$0.00} credit. The card has a {$3000.00} credit limit. The first time I called Capital One they told me there was a problem with the payment and they had sent a message to XXXX with no response. I called XXXX and they said, no, there was no communication and the funds had been debited by ACH and were in XXXX XXXX 's hands and immediately available. XXXX XXXX therefore lied to me. When I called again they said it was because the payment was higher than normal, and they did confirm that they had received and processed it, but that I wouldn't have access to my credit until the XXXX ( a week after payment had been made ). 
When I check my payment and credit accounts it shows the full payment has been debited from my Chase payment account to Capital One per the autopay settings, but when I call Capital One they said they put a " routine '' hold on the payment and won't release it for a few more days, due to the fact that my payment higher than normal. It shouldn't matter what the amount is, in my opinion. I've not exceeded my credit limit, the payment has been posted, Capital One has their cash. I'm almost XXXX XXXX XXXX, I've never had this happen before and have never heard of this, and my income is six figures, great credit score etc.. The funds are gone from my payment account, and Capital One acknowledges that they have received the funds, but they won't let me use credit. The attachments show the funds have been debited from my XXXX account and posted to the Capital One account.

What is going on here? This sounds like they are using the money for their own gains/use without letting me use credit. How is this legal? I have plenty of other credit to use but I find this extremely concerning. What if I were a lower income individual who needed the credit card to pay my bills? This could cause cascading injury to lower income people who rely on the credit card to survive and pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX aka XXXX fraudulently authorized a XXXX  phone and service using false information and fraudlent identification. I have told there collection agency this is fraud and needs to be removed from. All 3 credit buearus account was open XXXX XXXX XXXX in the amount of XXXX XXXX
Product: Credit card or prepaid card

Hi, I have applied for the Comenity Caesar 's Rewards Credit Card twice now, and it keeps getting denied because it states something along the lines of " unable to verify applicant authenticity, high chance of application by non-applicant '' meaning that their automated system thinks that I am not the one applying for the card. However unlike XXXX and other normal credit card companies, Comenity doesn't ask for proof that you were the one who applied. If they had, i'd be happy to provide my Driver 's License and other items, that prove beyond a reasonable doubt that I am indeed the applicant and that I applied for the card. To simply state that they are denying me because they can't verify my identity after conducting a hard pull on my credit, without asking me for proof of my identity is absolutely crazy. I go to Caesars  about once every couple of months, and the reward structure happens to match what I am looking for in one of my credit cards. If they'd like i can send them a copy of my most recent Caesars bill with my name on it, showing that I did indeed stay there.
Product: Credit reporting or other personal consumer reports

I can't believe it, but inaccurate accounts appeared on my credit report this afternoon for no apparent reason. I review my credit report regularly, and this time there were sudden discrepancies. I tried refreshing my browser to see if it was just a malfunction, but the errors persisted. I need the documents I've submitted to be checked in detail so I can stop stressing over this.
Product: Money transfer, virtual currency, or money service

I used Cash App for a period of time in the past few years and I believe that my data was breached. However, Cash App did not send me information about the data breach and how to get compensation for it. 

I have been unable to find my user info etc. and Cash App did not provide me with that information
Product: Student loan

I began paying back my loans at XXXX a month from XX/XX/XXXX to XX/XX/XXXX and in XXXX they said my loan payment changed to XXXX dollars ... which it should have been the whole time but a " mess up '' happened. So as a struggling XXXX I paid more than I had to and they made me begin paying back loans not even a month after graduation.
Product: Student loan

AES is incorrectly reporting XXXX student loan accounts as derogatory to XXXX and XXXX ( Claim Submitted with Government in XXXX XXXX for all XXXX ). I have attached credit reports from XXXX XXXX, XXXX and XXXX XXXX, XXXX. On XXXX XXXX, the XXXX accounts were included in Chapter XXXX Bankruptcy from XXXX XXXX. This reporting was correct, but I disputed it because the the reporting was scheduled to continue past XXXX XXXX, which was incorrect. On XXXX XXXX, the accounts were updated to read Claim Filed in Government in XXXX XXXX. This is grossly incorrect reporting.
Product: Payday loan, title loan, or personal loan

I'm a XXXX year old lady and XXXX year old husband that is XXXX and very sick and also a Veteran, and I have a thing on my credit report from a company. We live on nothing but social security and I have a part time job that buys us a little bit of grocery and now we have been notify from the people that we have been renting from for 23 years and found that the house can not be rented anymore because of the condition of the house, and I have been trying to find a place for my husband and I to live and I have this XXXX XXXX bill on my credit report and have no idea where it came from. I could really use your assistants on this as soon as possible.The account is closed
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a medical collections debt which is illegally reporting on my credit report. Please remove this collection as it is violating my privacy and HIPAA law. Please remove from my credit report or you are opening yourself up to litigation.
Product: Debt collection

I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been incarcerated for 10 years, which would be XXXX. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit XXXXporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX, a hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. These accounts and inquiries have resulted in several fraudulent charge-offs and late payments appearing on my consumer XXXX credit report. I've attached a list of the accounts and inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, charge-offs, inquiries as reported. The aforementioned accounts, charge-offs, inquiries and late-payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charge-offs, inquiries and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge-offs, inquiries and late-payments are the result of identity theft and fraud.
Product: Credit card or prepaid card

My boyfriend XXXX XXXX XXXX opened a Shell Credit card in XXXX. I met him in XXXX. In the fall of XXXX he added me to the card as a user. He has the owner card and I have a user card. In the last couple months XXXX XXXX went on line to make his payment and found he was not the owner of the card, they had changed the card into my name. With his social security number and the rest of his information. So when we started trying to correct this they told us that we did this. Now why would I want to be owner of a high balance card at the time. Then another time we tried to get this corrected they told us that this could not happen. I have explained to them that I would not take ownership of a high balance I would have opened my own account. I also explained that I did not know him at the time. Then I was informed that his name is not on the card at all. In another time I was trying to correct I gave them my social security number and by that afternoon they had taken his off and put mine on. I refuse to give them anymore personal information. They had me fax a copy of credit cards, his birth certificate, his driver 's license and his social security card, it cost me XXXX I faxed on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX they still have not received the information. They do not have an email address or a number to text to. You can not talk to the same person twice. Please advise me what to do. Since the bill has been paid off. And he don't want to cancel as he has bad credit. I am trying to find out from credit bureau if this effects my credit. Also they suggested I put him on as a user and he would be getting credit for it also. We can't even pull up the account on line because of their mixup. HELP
Product: Debt collection

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter-certified signature requests in XXXX. This debt is not valid and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.
Product: Credit reporting or other personal consumer reports

I have reviewed a copy of my credit report and noticed that there are fraudulent accounts on my report. Please remove these accounts from my report as they are affecting my ability to obtain credit.