23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I paid off my synchrony bank XXXX account in XX/XX/XXXX but they have not updated reflecting my account balance is {$0.00} and that I cancelled this account. 

Each time I review my account it shows open with a balance as if XX/XX/XXXX. If I was late paying on my account they don't hesitate to make that update. 

I have for 5 weeks trying to get them to show I owe them nothing. 

I spoken to customer service representative and managers to supervisors. 

Clearly admits I don't owe but they have not updated this information when they share with others.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have requested my credit reports from Experian, XXXX and XXXX and after careful review and investigation I have found XXXX negative items and XXXX unauthorized inquries on my credit profile. I have contacted the consumer reporting agencies and disputed and notified them all of unlawfully reporting of unauthorized inquiries on my credit profile of an account that was opened on XX/XX/XXXX. I have not given them any permission to access my credit profile and have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identity Theft and Defamation Of Character pursuant to 18 U.S.C. 1028A. They have Knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liabilty.

Pursuant to 15 U.S.C. 1681n ( a ), " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both '' By willfully violating the FCRA, I am willing to settle their civil liabilty damages I have suffered because of their violations for {$3000.00} from ( Experian, XXXX and XXXX ) pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should they fail or refuse to settle the demand, I will seek actual damages which are greater than {$3000.00}
Product: Money transfer, virtual currency, or money service

I sent an invoice to a customer for payment, which he paid. The customer later went and disputed " unauthorized '' transactions with his bank for charges and admitted via email to me that he did not mean to include my charges with his dispute. I sent the email thread to Paypal where it showed the customer requesting me to RESEND the invoice for the same amount. I resent the invoice and the customer paid it. Paypal then responds saying " the customer did not agree to pay '' and then charged me a {$20.00} chargeback fee. 

As a consumer I am mortified that a company would simply ignore my proof and then charge me for an error that is not mine. I have tried to call and have not gotten thru to anyone.
Product: Credit card

Website will not let me dispute certain charges and when I have contacted customer service also I am not being assisted with the request. 
Have an employee contact me to dispute the charges to my cell XXXX XXXX XXXX Besides that the issue in regards to the bonus promo has not been issue. So resolve that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERION has no way to contact a person ; I have spent 3 hours trying to contact someone to find out if a death notice has been placed on my deceased husband 's credit file, but none of the numerous numbers I have tried have yielded a way to talk to an actual person, and none of the automated system 's choices apply.

If a company is sucking up information on consumers without our permission and making money selling it to others, the least they can do is provide a way to contact a live person to discuss issues.

XXXX  and XXXX  make it difficult to talk to a person, but with persistence you can accomplish that end. Not EXPERION. This is just wrong.

I'm quite sure no one cares, but it makes me feel better filling out this form. 

XXXX XXXX
Product: Checking or savings account

Since XXXX XXXX I have been calling XXXX XXXX  to dispute incorrect bad XXXX ACH transactions, have been in contact at least 5 times and still unable to get my money back!! 
I have been selling clothing items on XXXX and the USPS postage labels are charged and printed by XXXX. During the busy XXXX sales something went haywire with either XXXX or XXXX and received postage labels with wrong or unverified, corrected addresses and my packages COULD NOT HAVE BEEN DELIVERED ON THE INFO PROVIDED. My packages were going up and down from the west coast to east coast and asking for new addresses or new delivery data by USPS. I have lost {$300.00} to {$400.00} valuable merchandise and USPS still do not have the info WHERE THE PACKAGES ARE!!!
Product: Money transfer, virtual currency, or money service

I have had problems with this company taking my money as it comes on Im not sure of the dattes
Product: Payday loan, title loan, or personal loan

KIKOFF whom which is a credit building online resource that help consumers BUILD credit has violated my rights of shared personal information to the major credit reporting agencies, this company has reported a late payment in which deteriorated my credit score by over XXXX points. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please remove this tradeline from occurring on my consumer report ( XXXX ) as I have not received proper correspondence.
Product: Credit reporting or other personal consumer reports

My husband injured himself and went out of pay status at work and all the bills and responsibilities fell on me. We had no money saved for a situation like this, so we were literally living pay check to pay check. I was left to pay the rent {$2300.00}, car insurance {$250.00}, car note {$660.00}, light bill $ XXXX and other bills and groceries. Making sure my XXXX little ones get the necessities they need. In accordance with the fair credit reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft and fraud to XXXXXXXX XXXX that they are reporting to credit bureaus and the account is not my account. I requested XXXXXXXX XXXX  remove the fraud from my name and from the credit bureaus and they refuse to remove the fraud. I am suffering loss and harm as a result of their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX XXXX  ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX  : ACCOUNT # XXXX DEPTEDXXXX : ACCOUNT # XXXX DEPTEDXXXX XXXX  ACCOUNT # XXXX DEPTEDXXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, TransUnion, and XXXX  are reporting a negative public record item? Your assistance is greatly appreciated.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that KEYBRIDGE MEDICAL REVIEW MGMT has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from KEYBRIDGE MEDICAL REVIEW MGMT but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the XXXX law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to KEYBRIDGE MEDICAL REVIEW MGMT to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than KEYBRIDGE MEDICAL REVIEW MGMT is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and XXXX authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be perceived as a XXXX compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX XXXX ( this has been paid through health insurance )
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. I also request that an immediate block be placed on all these fraudulent accounts and blocked from any future reporting i have provided my ftc affidavit for your review. 

2. 1. Validation of the debt-that is the actual accounting. 
3. 
4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Below is the items that need to be blocked from current and future reporting and deleted immediately. 

XXXX XXXX XXXX accnt num XXXX  XXXX XXXX XXXX  balance XXXX XXXX all other fraud inquiries that are on the report.
Product: Debt collection

I contacted XXXX XXXX XXXX to validate a debt that showed on my credit report as a collection. The company responded with a bill from XXXX dated XX/XX/2007. This is not proper validation as per the FCRA and the debt is beyond the statue of limitations and should not be listed on my credit report as per the FCRA. Furthermore, I have never done any business, of any kind with XXXX. I was never contacted by anyone prior to this debt being listed on my credit report. I respectfully request that this collection be removed from my credit reports until proper validation is presented that is within statue of limitations. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account listed in 2016 was paid for and closed, the agreement would be the accord reflect as paid in full and closed. It currently continues to show as in " collections '' on my consumer file which is false and inaccurate and is grounds for Federal Legal action immediately. 
Captial One was contact more than a month ago regarding this showing on my credit as in another status, " charged off. '' This too was false and is still grounds for Federal legal action.

Captial Once states they would contact me within 30 days and ha e failed to do so. They have my phone number and ha e never called, left a message, no email, nothing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

XX/XX/XXXX received voicemail from XXXX that said unless I called back I would be served with a summons. They stated to call XXXX to resolve. When I called that number they stated I could pay XXXX over the phone or wait for the summons Monday and pay over 1000, the rep said the company name was XXXX XXXX. Called the bank they referenced and the bank stated my account was closed in XX/XX/XXXX in good standing.
Product: Debt collection

Portfolio Recovery Associates is suing me for this debt that I did not open. They sent a notice to me in XX/XX/XXXX, that they are suing me in court for which i attended a civil case today in my county and the judge has made a " postponement '' in this case because PRA claim they have no idea this was a Identity Theft case, which is XXXX  cause I disputed it through all three Credit Bureaus!!!! So now I am in a wait and see game for 60 days with the court system in my county!! My XXXX  ex-boyfriend that i evicted in XXXX opened the card in XXXX as revenge against me for kicking him to the curb. Can you stop this bill collector from suing me for under XXXX IT IS INSANITY!!! the statue of limitations in TEXAS is 4 years and per my credit report this account was closed in XXXX and PRA just bought this " Paper '' in XXXX of XXXX. HOW CAN THEY GET AWAY WITH THIS AFTER THE STATUE OF LIMITATIONS HAS PASSED ON A DEBT I DID NOT EVEN OPEN. They have No original contract with my signature either!! This card never even had payments made on it!! What the heck is wrong with these people. Bill collectors are horrible people and need to stop preying on people!!
Product: Money transfer, virtual currency, or money service

Received msg on computer that it was infected contact info from a supposed XXXX support team identified himself as XXXX XXXX and a badge ( ( XXXX ), case # XXXX tele # XXXX directed how to view programs on my PC and delete invective program. All a mistake on my part. 
Later I received a calll from XXXX who identified herself as XXXX, an employee in the fraud department of my bank, alleging that employees were distributing customer 's info. She also claimed that someone had hacked my account. She to my chagrin convinced me to have my bank do an international wire to a bank in XXXX XXXX which help trap the hacker. Foolishly I did. on a Saturday afternoon after XXXX, which meant the international wire transfer wouldn't transmit until Monday. I contacted the fraud department at my bank ( Chase ) at XXXX on Monday to cancel the transfer and also filed for cancellation at my branch but the transfer was completed.
Product: Credit card or prepaid card

Two fraudulent charges were made to my credit card. Both charges were for the amount of {$480.00} and were paid to XXXX. The first charge was made on XX/XX/XXXX and posted on XX/XX/XXXX, the second charge was made on XX/XX/XXXX and posted on XX/XX/XXXX. I reported the fraud to the card issuer and they got back to me in writing stating the fraud was suspected and issued a credit to my account for {$480.00} for the first charge, the XX/XX/XXXX activity. When I did not get a disposition on the latter fraudulent charge a called and asked them to reopen the case to include the second fraudulent charge. They said they would but it has been 2 months and I have not gotten a refund for the charge nor an explanation. I have called customer service at least 8 times and they see the problem, but can't resolve the issue. I spoke with a supervisor 10 days ago and she assured me she would take care of the fraudulent charge yet it still is on my statement as a legitimate charge, in fact, they are charging me interest on a bad charge.
Product: Credit reporting or other personal consumer reports

identified inaccuracies on my credit report regarding 15 USC 16c-2. The inquiries listed were unauthorized and are lowering my credit score. Kindly remove all unauthorized inquiries. Thank you!
Product: Credit card or prepaid card

I opened a secured card with Capital One. When I downloaded their app and made a password and username, my ex girlfriends account was on the app as a payer, who was not authorized. A representative for them said it was a computer error, because we had joint accounts in the past. As of today, I 'm being charged interest and late fees, contrary to what I was told. My attorney advised me to try to work something out, to no avail. My credit report is getting worse because of them.
Product: Mortgage

I signed a closing disclosure with Regions Bank but have yet to close. I have been told by XXXX XXXX on XXXX 2020. The date I was suppose to close that the closing was held up because the bond company wanted me to sign the back and front on all the closing estimates documents in the Bank although I had electronically signed them before, and he acknowledged that I had already signed them. I did that and later I learned that this was not something the bond company would request. I also learned noticed there was no signature required on the hard copy so I was told to sign them anywhere on the documents. this may be a way to copy paste my signature on other documents. XXXX XXXX sent out an email stating Regions have never done a XXXX loan and they are having difficulty creating the documents for closing on XX/XX/2020. The closing has been extended several times. I also learned that the home that I have under contract may have been sold by another agent in the same company on XX/XX/XXXX. even though I am still under contract and my loan has been approved. I have documentation of that also. I have yet to close or even given a closing date. This has been going on since. XXXX. I want someone to investigate this ASAP.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested a credit limit increase on my account portal with XXXX. Nowhere on those pages does it state this will result in a hard credit inquiry/hard pull. My credit report was immediately dinged for a hard credit inquiry on same day. ( Their website was not working well either that day, as it kept shutting down, so I closed out of the window, thinking I'll come back another day ). 

I immediately called XXXX customer service on XXXX XXXX ( and wrote to them in my account messaging portal ) to ask to have this inquiry changed to a soft pull. Hard credit checks are done for new loan applications, not existing accounts. 

Since then, I have called, then was told to write to their special customer service department ( XXXX faxes sent to them over the past XXXX weeks alone ) and written in their portal. I emailed them again on XXXX XXXX after receiving another letter asking me for the same information I sent a month prior. I faxed all that on XXXX XXXX and was told to call them. I called today, XXXX XXXX, and was told I have to request the credit bureau to remove! I know for a fact this is not true. I called credit bureaus before for fraud, and they told me I have to deal with the bank/company making the inquiry. 

I have exhausted all my options and patience. This has been going on since XXXX XXXX and it is now XXXX XXXX. 

I am only asking that they correct the type of credit inquiry they did, from a hard ( unauthorized ) pull to the soft pull which does not ding my credit. 

Thank you, XXXX XXXX