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

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$190.00} XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They are a third party collection i am not obligated to pay this debt to this party. It is no contract with me and this party. According to the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX has 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
Product: Debt collection

COMMENITY BANK AND VICTORIAS SECRET ARE THE WORST. THEY SOLD MY DEBT TO XXXX XXXX XXXX AND WHEN I CALLED XXXX TO PAY IN FULL FOR DELETION, THEY DID NOTHING! XXXX DELETED THEIR NAME FROM THE COLLECTION INSTEAD OF DELETED THE ACCOUNT IN FULL. AS PROMISED, LIKE I HAVE IN WRITING FROM THEM. THE ENTIRE COLLECTION FROM COMMENITY BANK WAS SUPPOSED TO BE REMOVED FROM MY CREDIT REPORT. COMPLETELY ERASED. INSTEAD, XXXX TOOK MY MONEY AND GAVE THE ACCOUNT BACK TO VICTORIAS SECRET/COMMENITY BANK. I HAVE BEEN TRYING TO FIGHT THIS FOR 2 YEARS NOW!!!!! THIS IS RIDICULOUS!! XXXX SAYS IT IS OUT OF THEIR HANDS NOW AND COMMENITY BANK/VICTORIAS SECRET SAYS THEY CANT DO ANYTHING AND THAT THEY DONT HAVE ANYONE I CAN TALK TO ABOUT IT! THIS WHOLE THING HAS BEEN A NIGHTMARE!!!!!!!!!!!! I HAVE CONTACTED XXXX, VICTORIAS SECRET CUSTOMER SERVICE, COMMENITY BANK, AND EVEN DISPUTED THIS XXXX   XXXX  ACCOUNT FOR 2 YEARS AND STILL ONGOING!!!! THEY REFUSE TO DELETE THIS COLLECTION EVEN THOUGH I HAVE A LETTER DIRECTLY FROM THE DEBT COLLECTOR STATING IT WOULD BE A SETTLED PAYMENT IN FULL FOR DELETION!!!!!!!!! REMOVE THIS COLLECTION NOW!!!!!!!!! -XXXX   XXXX XXXX , IL OR XXXX , IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item 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 item and update them immediately in my report : XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2017 Balance : {$380000.00}
Product: Money transfer, virtual currency, or money service

So I bought a product on my bank debit card money network in the amount of {$1200.00} the gentleman I bought it from stop responding after XX/XX/XXXX on a product I bought in XXXX. I put a dispute in to my bank account money net work. After waiting 90 days they refused to dispute the charge and told me it was a civil matter and when I ask to speak to a manager they left me on hold I called back and told be that its denied and there noting they can do. Horrible bank who will not help me on something I never received. My name XXXX XXXX phone XXXX
Product: Checking or savings account

Date : XX/XX/XXXX - transferred XXXX out of checking to supposed to be for sons child support per decree Date : XXXX  - when I pulled up the person I always pay via XXXX- it populated online I sent the money Date : XX/XX/XXXX - 2 digits were incorrect on the phone - but it populated correct recipient name Date : XX/XX/XXXX - I am only human and made all honest effort to verify info before sending money Date : XX/XX/XXXX - XXXX was sent to XXXX XXXX ( someone I do not know ) Date : XX/XX/XXXX - I immediately called and spoke to a Cap one claim rep who opened a claim for me told me up to 10 days to process and happens all the time. He was in the Cap One XXXX XXXX call center. 

Date : XX/XX/XXXX - not 10 days yet - called XXXX on XX/XX/XXXX, Monday at XXXX XXXX XXXX Cap one VRU system transferred me to claims. " XXXX '' with Cap one claims verified me and stated my claim was " denied ''. I asked for a supervisor and he put me on an endless loop hold. 

I attempted to call XXXX - their system automatically states I have to have used the app exclusively and not through my bank account to even qualify to discuss anything with them. 

When you open up this case and investigate - you will see that I have clear, concise notes on the memo section which reflects my true intentions and there is no game-playing here. I have been with Cap One a very long time and they need to " do the right thing '' and credit my account for the XXXX that was intended for XXXX XXXX XXXX XXXX XXXX XXXX child support. Her cell is XXXX and in Capital One 's online banking system, the minute I put in the name, XXXX XXXX XXXX  cell populated ( I don't know this person ) and my son 's child support money was sent to him by accident. 

Can I be the only person this has happened to? Is this how banks and XXXX are going to handle this? 

How would you feel if this happened to you? 

Justice needs to be served. Fair is fair. I had only honest intentions of sending money to my son 's mother for support. Instead, large conglomerate Capital One could careless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX date open XX/XX/XXXX Date closed XX/XX/XXXX Account is to old to be reporting on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

what are these remarks by DISCOVER on my CREDIT REPORT XXXX  : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXX 's. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by Discover. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now Discover is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. Discover has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had Discover is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the XXXX XXXX REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX  the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?!
Product: Credit card

In XXXX multiple items of identity were stolen and I have experience identify theft since. After pulling my credit report in XXXX of this year I noticed there was a hard inquiry for a XXXX credit card on XX/XX/XXXX, a OneMain personal loan application on XX/XX/XXXX, and an additional OneMain personal loan application on XX/XX/XXXX. These accounts were not applied for by me nor did any one have my permission to open them. In addition there was fraudulent activity on a XXXX credit card starting in XXXX XXXX XXXXXXXX. I reported the activity to XXXX  and they put the card on hold and deferred payment until the issue was resolved and that it would not be reported as late to the credit bureaus. XXXX did not close the account or issue me a new account number, as they told me I had to pay the balance to get issued a new account number however the charges were fraud. There are a total of 14 late payments all of which are due to graduate activity and XXXX  telling me they would investigate the charges. XXXX finally issued me a new account number this year when I paid the balance of the card down to {$0.00} despite fraudulent charges.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TRANSUNION credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$5200.00}
Product: Credit card

Hello, I had XXXX XXXX XXXXXXXX. I was in the XXXX  and not working. I had trouble paying my American Express credit card. I called American Express to explain my situation. They sent me several options to pay the card off in full. If you listen to all the recorded conversations. You will hear the representatives tell me that the account will be shown on XXXX repositories as paid in full. Amex didnt report the account as paid in full. They reported the account as less then the settled amount. I would like them to correct the verbiage on all three repositories to show paid in full and not less then settled. They misrepresented themselves. The second item that Amex misrepresented is that fact that once you paid the card in full. You will have the option to obtain an Amex XXXX card subject to the terms on this email. I paid the card per our arraignment on XX/XX/year>. When I contacted Amex about my new Amex XXXX card on XX/XX/year>. They indicated it only applied if I paid the entire balance in full. If that was the case, I wouldve done that in order to receive a new card. They sent me an email that didnt specify the terms of receiving the card. This isnt fair. Why even put the option of having an Amex XXXX credit card if it wasnt applicable to me because I paid less than the full balance. I would like to have a new Amex XXXX card as presented to me. The email is not clear. Amex is false advertising. In this email it should of specified that if you paid less than the full balance. The Amex XXXX Card option would not be offered to you. Amex cant get away with misleading consumers. I dont think its fair that Amex could do a bait and switch. They should be held accountable.
Product: Prepaid card

Tried activating the Prepaid XXXX gift card by phone and was texted a link to finish it online. Went to the online link and was given a phone number to call to finish activation. Called the new number and was texted a link to complete activation. Guess what I got a number to call to finish. It was an endless loupe. This was XXXX in XXXX my son wanted to use it for a present. I tried activating it again and this time after several loupes got a real person. This person was trying to get more information from me to sign me up for a credit card. Since I would not provide this information, I could not activate the gift card. Now in XXXX a year later my wife tried one more time and finally got through to someone who said we need to activate card. We tried the a few minutes before calling them and it did not work. Now that we called and activated card we are told it is active and has a negative balance. According to them in XXXX it was activated and because I wouldn't give them more info ( to send me a credit card ) the prepaid card was set to a XXXX monthly fee. This is a scam it is nearly imposable to activate card and they are harvesting your info for a credit card you can't afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 experian Posted on cfpb complaint about XXXX XXXX  account that is wrongfully On my report it commenced a investigation Under the FRCA They only Have 30 Days To Complete There Investigation the Investigation Was not Completed Until XX/XX/2020 Well Over the thirty day mark.
Product: Debt collection

Portfolio Recovery Associates , LLC obtained a judgment against me in XXXX XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX, OH ; 12 CVF 0432. This judgment is for account/reference number XXXX, which was paid on XXXX XXXX, 2016. I was told by a representative for Portfolio Recovery Associates that they would file a Satisfaction of Judgment with XXXX XXXX XXXX XXXX within 30 days of receiving payment for the collection account. It is now over 50 days since Portfolio Recovery Associates received payment for this judgment and they still have not filed the Satisfaction of Judgment with XXXX XXXX XXXX XXXX. Over two weeks ago, I sent Portfolio Recovery Associates a Certified Letter asking for the status of their filing the Satisfaction with the Court, but have received no communication from them.
Product: Credit reporting or other personal consumer reports

I am writing to request the method of verification for dispute initiated on ( XX/XX/year> ) and the subsequent response received. 

RE : XXXX XXXX XXXX XXXX debt, XXXX Please send the following information used to verify of XXXX XXXX XXXX XXXX debt XXXX. 

1 : The name of the original creditor 2 : The creditors address and telephone number 3 : The persons name they verified the dispute with 4 : The documentation used to verify the dispute 5 : any signature verifying the debt claiming to belong to me In accordance with FCRA, Section 611. I am requesting this information to review completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlying the steps that will occur to receive this matter. If I do not receive a response I will have no choice but to excise my right under FCRA. Section 616. And pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit card or prepaid card

My Macy 's store credit card was stolen/compromised on XX/XX/2021 and used to make unauthorized charges in the amount of {$1100.00}. I have contacted Macy 's to no avail to have these charges removed from my store credit card and credit report. 

These charges must be removed from my credit card and credit report immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint following your recent investigation. I disagree with your findings and request a thorough review for complete accuracy. I believe more effort is needed to contact the creditors reporting this information. Therefore, I request additional details on the following accountsquestion : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} -- -- -- XXXX XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} -- XXXX -- -EQUIFAX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and correct these accounts. Provide me with the names and addresses of the persons contacted. You have 15 days from receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this time constitutes non-verification, requiring prompt correction or removal of the accounts according to Section 1681i ( a ). Notify me when the accounts have been corrected or removed, and forward an updated copy of my credit report to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accorda

nce with the Fair Credit Reporting, Everything has to be 100 % accurate on my report. The credit bureaus stated these acco
unt : XXXX  XXXX, was properly investigated but how is that possible if a charge off has late payments its a closed account, the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well in all three bureaus. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX accounts that are reporting errors and inaccuracies on my credit report and need to be fixed they are violating the FCRA and they are damaging my life please delete and also update my personal info
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexus, XXXX XXXX, and XXXX out of California are reporting information about me to the Credit bureaus ( XXXX XXXX, XXXX, and XXXX ) without my written consent. According to 15 USC 1681 as an consumer I have a right to privacy. For instance bankruptcies ; the court district does not verify a persons information to the Credit bureaus. Also all my personal information like my name, address, phone numbers, or emails are inaccurate on my report and they refuse to correct it. Any inquiry that is not associated with a line of credit attached to it was not me and submitted as fraud.
Product: Consumer Loan

I need help getting help with my account I 'm on XXXX and I inquired to the company several times through customer service but I cant get to speak to someone higher up. My daughter and I who is the cosigner are both out of work on XXXX. My daughter had XXXX and I have XXXX and XXXX issues. The company did give me a XXXX payment extension which had my next payment due the same week I signed off on my paperwork and I tried begging them to give me atleast 30 days because I had n't started receiving my XXXX checks yet but was denied, I was told they cant give an extension on a payment that is due yet but I have a payment schedule and I have financed several cars and have never heard that before. I was told that I 'm paying interest payment for the first 2 years anyway so I do n't understand why they cant just help me out. My interest rate is 24.937 % which I have bad credit so I was desperate and had to get a vehicle from them not realizing that the rate was so high of course until afterwards. I need help I can t afford to loose my car I need transportation with everything that I have going on I 'm stressed enough and your agency was my last resort to try to get them to work something out with me
Product: Payday loan, title loan, or personal loan

I borrowed {$900.00} from Wise loans on XX/XX/2019. I was told there was no prepayment penalties, I went to pay it off on XX/XX/2019 and was told pay off would be {$1200.00}. The company claims this is a CSO fee and not interest, I know I signed the loan agreement online but this seems excessive and I thought there were protections for being over charged. I did call and chat with the company and was told that was the payoff regardless. Thank you for your help with this!