23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I opened a XXXX XXXX account on XX/XX/XXXX. I fell behind in XXXX. The total amount was {$2500.00}. On XX/XX/XXXX I contacted XXXX XXXX on account # *****************.We entered a settlement agreement for {$2000.00} which was paid in two installments of {$340.00} and {$1700.00} on XX/XX/XXXX. XXXX XXXX now wants an additional {$880.00}. The new agreement supercedes the previous agreement. The balance is XXXX. Paid. I would like the credit bureas to delete the record. No payments have been reported by XXXX XXXX. I have forwarded the cancelled checks and the letter that the account is settled to no avail. Advise.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION accounts XXXX XXXX  XXXX XXXX {$3800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX ] [ XXXX ] XXXX : [ XXXX ] [ XXXX ] Transunion : [ XXXX ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

I have called cash app several times ..... I have tried to make a new account with a different email like they said to do. It and now because I've done that this device my cellular device will not allow me to log into cash app through the app I have to do it on XXXX ..... I would like this phone number that I just received this year Well I'm sorry last year in I want to say it was XXXX .... And I was just XXXX XXXX XXXX in XXXX ..... I haven't been on cash app since 2022 .... When I got XXXX XXXX my cash app work just fine. I use cash app on a regular basis I would like it back.
Product: Debt collection

I am a victim of identity theft due to a XXXX  credit beech. On XX/XX/2020 I submitted required identity theft documentation to Portfolio recovery associates account # XXXX. They continue to report this fraudulent account .Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit card or prepaid card

We've had the American Express card since XXXX, have never fallen behind making payments, now comes Corvid-19 and the XXXX  is not making hardly any money to pay all the bills, while all the other credit cards has kept us in the Corvid-19 payment deferment, when I tried to reach out XXXX to American Express via chat and spoke to one of their account specialist he told us that they were not able to extend anymore help with the Corvid-19 that they already gave us 2 or 3 months that we had to pay the past due bill by XX/XX/XXXX otherwise it will assess late fees and interest, I find this so unfair that every other credit card is working with us but they won't, the only thing that he said we were eligible for was a short term financial relief program offering up to 12 months of support with an APR of 5.99 % and the payments would be XXXX per month, and we must paid the first month up front to be eligible for this program, really? how? we are hardly making it as it is, they are making it very hard on us, so so disappointed to find out how inconsiderate they are, we didn't ask for this, is going to be slow for the business to pick up, people have no money at this time. How can they not give us more time, this pandemic is a slow process people has just recently gone back to work and that's not everyone. I don't understand why if all the banks out there are still helping out the consumer with the Corvid-19 deferment that American Express won't do the same. We need more time for the XXXX  to pick up. Is not fair to want to offer us a short term financial relief program when we dont have that kind of money to pay right now and on top of that charging us interest? really! It seems that with American Express is all about money they dont care what kind of situation the consumer is in.
Product: Credit card

Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. Discover Card Account XXXX, XXXX Account XXXX and XXXX XXXX XXXX Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of Virginia and I have never lived outside of the state of Iowa in the XXXX years of my existence. When calling Discover the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over XXXX years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in XXXX months shortly after their father passed away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a policy report that deals with indentity theft, which relates to a number of issues concerning identity theft at the time. Upon retiring from XXXX XXXX XXXX, management, during the month of XXXX, 2018 I noticed suspicious activity, that included someone hacking into my identity, filing for unemployment I never requested, likely using up some of my old credit cards for higher balances being increased as reported on the credit reports, such as XXXX by original creditor, XXXX XXXX XXXX XXXX ( a XXXX XXXX XXXX ). The purpose of this request is that I highly question the suspicious activity to this particular account being reported here. I'm asking the Creditor or anyone who has access to the specific details concerning all transactions to this account from it's origination to it's closing of account to fully furnish the details of all transactions involved for this balance to exist. Could this account have a full furnished detail of itemized transactions of dates and maybe of times of those transactions? I believe this account was originally not owed anything, prior to these ring ups in transactions, and if no response is achieved within 15 days of this request, would you be able to have all credit reporting bureaus, Transunion, XXXX, XXXX erase this account balance to a XXXX balance if we don't get response in time for reporting to be update on what those transactions are that caused this balance to become {$5100.00} in the first place. thank you
Product: Debt collection

This collection company continues to call me but they have never sent me any paperwork, no notices and no explanation on what the debt is for. After doing some research I found out that they are not licensed to do collections in the state of Colorado.
Product: Credit card or prepaid card

This complaint is a follow up on a complaint. Unfortunately when I complained about not getting my points I put the wrong amount in the complaint. Ethically Capital One should have awarded the correct amount per the terms of the contract anyway, so this is very misleading on their part again. I stated on my last complaint I should have received XXXX for spending {$3000.00} in 90 days when the correct amount should have been XXXX. I tried to once again settle this matter over the phone with Capital One to get my extra XXXX and they have ignored the request to fix the issue. I was told basically the same lingo as last time and that a XXXX would review it and award the extra XXXX in about 5 days. No such luck which is why I am writing this. Attached is screen print of the different award options Capital One offers. My XXXX card is the XXXX level when {$3000.00} is spent in 90 days. They know that so I'm not sure why they are wasting everyone 's time and not awarding the correct points.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I closed my account back last year because Marcus would not transfer my money back to my original bank account. On XX/XX/2023, I called Marcus to change my address and send my 1099-int form to my corrected address. However, they still sent to my old address. On XXXX, I called again and the same thing happened to me again. I had to update my address again and so forth. The terrible thing is I called Marcus back in XXXX, XXXX, XXXX, respectively. They never updated my address and I would not be able to get my 1099 int at all. The same process happens, they say they had updated tmy address, then they mail to the old address again, I had to call to confirm, and update my address five times now, the mail still goes to the old address. There was no way to update my address and get my 1099.

I called in to unllock my closed account in order to assess my 1099 form. They will transfer me to a specialist, and confirm my phone number ( three phone numbers ) and the specialist said that they would not unlock my account. Then they transfer me to another person who can help me get my 1099. That person had to transfer me again to a specialist who can unlock my account. The specialist will not be able to unlock my account. In the end, the issue never resolves.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our home on XX/XX/XXXX and had a mortgage with XXXX XXXX We were currently on the XXXX XXXX Forbearance program which we believe we were approved for in XXXX of XXXX. We have moved into a temporary rental home with hopes to purchase our next home soon. 

We had just applied for a new mortgage approval as there is a few homes we are looking to make offers on, only to find out that XXXX has us reported as being 120 days past due even though the report also states the loan was paid off. This reporting, is now preventing us to be approved for a new mortgage. 

We have notified XXXX and was told that the forbearance program was not started until XX/XX/XXXX so worst case scenario we would have only been 30 days late. At the time we applied and was given the approval for the forbearance we were told this would not affect our credit. They had agreed that there was a mistake with the 120 day part and would try to have that fixed but could not guarantee they can fix the 30 day part. 

We have been faithful mortgage payers since XXXX and have never missed a payment or have been late on any mortgage payment ever on all our mortgage accounts. If we knew that we would have been affected, we would have borrowed money to make the last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Paypal account which I was using and paid on time and never reported to 3 credit bureau. It was like secured all of a sudden from no where it showing on my credit report and score was effect too! I contacted the Paypal I was told when synchrony bank take over it started reporting on credit report without customer informed or knowledge they know about it but can not help so my complain is why they playing with consumer life without letting them know and their score are on jeopardy. So my prayer is that it should remove from the credit report so that consumer can be stress free and they can get back there score up!
Product: Credit card or prepaid card

I set up automatic payments on XXXX and the payment was not allocated as promised. I got a late payment, which was not my fault, because their payment product failed. It was a known issue at the time, but they never fixed it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to the company requesting that these inquiries were initiated by me. These unverified inquiries violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. These inquiries are showing up on both my XXXX and XXXX reports.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed hard some accounts that is reporting incorrectly.
Product: Credit reporting or other personal consumer reports

I recently came across an XXXX XXXX closed/charged off account that was disputed back in XX/XX/XXXX to company directly and the account was later removed from only my XXXX credit profile on XX/XX/XXXX, but it is still reporting on my XXXX XXXX as a open account which inaccurate and also on my Experian credit profile as a negative account, this is a violation of my consumer rights, this inaccuracy has been harming my credit worthiness and I would like this account removed from both my XXXX XXXX and Experian credit profile immediately because all 3 credit bureaus needs to reporting the same accurate information. 

Account Name : XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

So Wisconsin uses epic card as a means of child support deposits in XXXX there was a fraudulent charge and I had did a lost or stolen card so no more money would be taken out. 
By doing this calling back to try to dispute the charges it would not allow me to do so until a new card arrived which took 2 weeks. 
When I received the new card I immediately called to dispute the charges and to try to retain my money back I was transferred several times each time being an hour on the phone so far to this point I've spent over seven and a half hours trying to receive my child support money back. 
I was sent paperwork to fill out and the representative said if I fax it that I should get a reply within 5 days. I faxed the paperwork via XXXX I paid {$5.00} to do so I got a confirmation that it was sent on XX/XX/XXXX. 
The company is website policy states that if a decision is not made within 10 days that you will get your provisional credit back as they still continue the investigation. 
Yesterday I spent 2 hours on the phone and was told that no one has actually looked at my paperwork and although their website States after 10 days I would get my provisional credit back they refuse to give me my money back. 
Their website also lists their policy as if fraudulent charges look to be happening they would call you I explained to them this is partly their fault for not doing their job as there were charges multiple very suspicious being through one second at a time all were denied and I was charged point of sale denial fees for each time this was done. 
I have never in my life had such a hard time trying to regain fraudulent charges especially on a card that is for child support this year alone they've charged me over {$60.00} in fees for charges some of them I don't even know of it's not the first time my card has been hacked I never got my money back for that and I was once again charged multiple point of sale fees. 
This company is beyond despicable and I don't know how they are able to get away with taking money not following their policies and having me spend seven and a half hours on the phone trying to receive my money back. 
Many times they hung up on me and all I want is for them to follow through with their policies listed under their terms and conditions.
Product: Checking or savings account

I sent a XXXX payment on XX/XX/23 through my bank ( PNC ). PNC notified me that the payment failed and the recipient did not receive the funds. The notice stated it would take 3 days to receive my money back. 3 days later I called and was told 6 days. I waited 10 days and called back and customer service put in a dispute. The dispute was denied. I contacted the person I sent to the money to and she checked with her bank and there is no transaction history of the failed payment. I opened another dispute through PNC and have escalated to a supervisor. I have spent XXXX hours on the phone and have called PNC and XXXX for help and nobody has been able to get my money back. It has been 2 weeks since the payment failed and I am still out {$400.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax I am writing to formally dispute inaccurate information that appears on my credit report, which I believe is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and I am requesting a thorough investigation into these inaccuracies in accordance with federal law. 

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX for failing to properly investigate consumer disputes, citing sham investigations and other unlawful practices. According to the CFPB, these practices include : Conducting inadequate investigations that fail to properly address consumer disputes. 
Re-inserting previously disputed and inaccurate information without providing proper notification or explanation. 
Failing to notify consumers effectively about the results of investigations. 

These allegations raise serious concerns about the integrity of the dispute resolution process. I am deeply concerned that my dispute could be mishandled in a similar manner, and I am requesting that you ensure full compliance with FCRA requirements during your investigation. 

Please review the following inaccurate information currently being reported : [ Insert specific details of the inaccurate information, including account names, numbers, dates, and a brief explanation of why the information is incorrect. ] I have attached copies of relevant documentation to support my claim. Please conduct a comprehensive investigation and provide written confirmation of the results. If the disputed information is found to be inaccurate, I request that it be corrected or removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response, as required by law. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with carmax auto finance. I am current with my payments now and they have shown improvement in my report with XXXX but I was under the impression they remove negative credit report when reason no longer applies.