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

In XX/XX/XXXX, I got the statement for Pell-Grant over payment from XXXX XXXX XXXX XXXX.
So I paid immediately via online. However I found issue of " Paid-Collection/ Charge off '' in my credit report and my score went down 50 points IN XX/XX/XXXX. 
Actually, I didnt know that I had overpayment because I didnt any notice, bills, and statements from school and XXXX XXXX XXXX XXXX at all until XX/XX/XXXX. Even I didnt find in my school website about my overpayment. I do log in almost every day and I am in school now ( Fall XX/XX/XXXX ). 
When I got my statement from XXXX XXXX XXXX XXXX, that was first statement about my overpayment. The statement didnt say any Collection issue or Notice of debt collection act. I knew that was regular statement and I paid immediately in website. There were no reasons to avoid pay as amount {$180.00} only. 
I could find that was collection account and Paid off-Charge off account in my credit report after 7 months. I can not accept this situation and I can not understand it. 
Usually I checked my credit report every month but I did n't found this issue until XX/XX/XXXX. This issue reported at XX/XX/XXXX from XXXX XXXX XXXX XXXX. I do n't  understand why. I did n't get any letter, email, statement or bill before XX/XX/XXXX. Simply I got the statement in XX/XX/XXXX and I just paid immediately. 
And I do n't understand that if my account is in collection, why I did n't find that fact in my credit report before XX/XX/XXXX. I think if my any accounts will be in Collection account, I should know that situation before into Collection account. And I should have gotten any warnings, notices or prompts but I did n't get anything. 
I got the first statement in XX/XX/XXXX and I just paid immediately but my credit is mess up now. This is unreasonable and unfair. This situation is very fatal in my life now. I have planned to build my new business and buying car and lease apartment in XX/XX/XXXX Now I am in extremely hard time. Please help me.
Product: Debt collection

High Point Asset at XXXX keeps calling my cell phone. They are asking for someone who I do not know and have never heard of. It is a robo-call and it says that they are calling for a " person of interest. '' They will not stop calling. I have tried calling them and they will not stop. They are located in XXXX, New York and will only provide an address of XXXX. XXXX XXXX at zip code XXXX with a fax number of XXXX.
Product: Checking or savings account

I opened a cash app account on XX/XX/XXXX for my business in which I had to provide my business license and my identification. 

On XX/XX/XXXX, I received this notice when trying to access account Your account has been found to be in violation of our Terms of Service and/or our Acceptable Use Policy, and has been closed. While you are still able to access your account and XXXX cash out any remaining funds, all other features, including the XXXX XXXX, have been permanently XXXX. 

I dont have specific reasons why, but you can view our Cash Terms of Service at https : //cash.app/legal/us/en-us/tos for possible On XX/XX/XXXX, I contacted Cash App again because this account is signed up to receive donations for my business but no one didnt contact me. The only response I received is It looks like this would be better handled through our email support team. 

On XX/XX/XXXX, I contacted Cash App again and this is the response I received We've escalated your case and our team is working hard to resolve your issue. For reference, your previous case number is XXXX. Although I don't have an update to provide at this time, our team will send you a response when we have more info. 

On XX/XX/XXXX, I contacted Cash App again and this is the response I can confirm that weve escalated your case to the appropriate team, and the team is working to resolve your issue. 

Please do not directly respond to this message regarding your original request. Although I do not have an update to provide at this time, we will send you an email as soon as we have more information. 

The best way to contact Cash App XXXX is through your app, or you can reach us by calling XXXX ( XXXX ) XXXX. XXXX support is available Monday - Friday XXXX XXXX. 

On XX/XX/XXXX, I contact Cash App XXXX phone number provided and was informed that my account doesnt have the latest information and best help via chat. They disconnected 3 times with same response. I have been going thru this issue for XXXX weeks with no response via email or chat.
Product: Debt collection

portofolio recovery keeps calling during the weekends, while I am at work M-F early in the morning up to late in the evening this is a daily thing with Portofolio Recovery to the point its affecting my performance at my employer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information from my credit report. Despite my numerous attempts to resolve these issues, the following accounts remain incorrectly reported : This is my attempt to have these inaccuracies corrected. The persistence of these errors is causing significant harm to my credit score and overall financial health. I have provided all necessary documentation and have complied with every request for information in my previous disputes. Enclosed, you will find copies of my previous correspondence, dispute resolutions, and any supporting documentation related to this matter. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to have these inaccuracies investigated and corrected promptly. I request that you could help me immediately remove the above-mentioned inaccuracies from my credit report and provide written confirmation of the removal of these items.These are the following accounts i want to be removed immediately : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things XXXX be inaccurate. XXXX looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. ALLY FINCL XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX XXXX : {$200.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Credit card or prepaid card

Barclays has been charging excessive late fees to consumers. I had a payment of {$29.00} due on XX/XX/2020, however, a late fee of {$29.00} was charged on XX/XX/2020. Even though, the previous month I had overpaid my credit card bill in the amount of {$100.00}, which theoretically should've covered me for 3 months. This has inflated my balance and caused negative reports on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Saturday, XXXX XXXX, XXXX I spoken with an representative of experian to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted XXXX accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX ****, has violated my rights. 

Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed the information being reported by the XXXX XXXX XXXX company for the amount of {$19000.00}. Equifax responded and stated that the information was investigated and verified as accurate. According to the FCRA a consumer interview MUST be performed in order to validate the findings of the investigation. I then reached out to Equifax and asked them for the debt validation letter as well as the details from the consumer interview that had taken place and I have to receive a response. On XX/XX/year> I disputed the information again and they responded with the same information. I asked again for the validation and interview details and they failed to respond. My privacy has been grossly violated and the company is party to libel, slander, and defamation. The FCRA outlines XXXX reasons for which one can report this information, and they have neither. I have since sent via their company website as well as certified mail a Notice of Intent to XXXX to demand clearance and deletion of this inaccurate information.
Product: Student loan

In a letter I received from MOHELA on XX/XX/year>, I was informed that my loans were in a forbearance and that I would NOT accrue interest during this time. Specifically, it states, your interest rate will be set to 0 %. 

In a letter I received from MOHELA on XX/XX/year>, I was informed about a Loan Update, and that interest continues to accrue on my loans during the forbearance period.
Product: Credit card

Citibank took over an old account ( Exxon ) credit card from 1990 and said interest has grown to over XXXX they kept calling and harassing me until I changed my number. 
Citibank said I owed XXXX before I canceled the card back XXXX, now they want all the interest money and have reported me over and over again to the credit bureau.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX l XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent misused of my personal information, without my consent ; 15USC6802,15USC1028,15 USC 6809 and 15 USC 1689.
Product: Checking or savings account

For 6 months in 2021 Navy Federal was allowing a charge to go through for a gym membership with no money in my account over drafting my account and the charging me an over draft fee. Causing me to have to pay more money than what was over drafted.
Product: Debt collection

I am writing to lodge a formal complaint regarding the conduct of a third-party collection agency in relation to a closed credit account. The actions of this agency have raised serious concerns regarding their practices and the legality of their actions. The Creditors PYOD LLC, XXXX XXXX & LVNV FUNDING are calling and harassing me about paying the closed accounts of the original creditors for XXXX XXXXXXXX XXXX and XXXX XXXX The 3rd party agencies have been adding small dollars and cents to the collection amount to keep it afloat. Despite the account being closed and no further activity occurring on them, I have been informed by the third-party collection agency that the amount owed has significantly increased. This sudden escalation in the debt amount is deeply troubling and raises questions about the validity and legality of their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax credit report and noticed that the information provided was inaccurate. Based on the FCRA all information that is reported needs to be correct and accurate.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : AMERICAN EXPRESS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed for possible fraud. The information is incorrect and prevented me from getting a job and further accounts. I was hired in with the same company in the fraud department.
Product: Credit card or prepaid card

On or about XX/XX/2021, I noticed several transactions on my Chase Visa card that I had not been made. After checking with my wife ( the only other verified user of the card ) that they were not her transactions, I reported the fraudulent transactions to my credit card company. They refunded the charges and issued me a replacement card. 

Sometime after XX/XX/2021, I received a follow-up letter from Chase in which they determined that I was liable for one of the transactions. Upon reaching them, I requested information as to why this determination was made. They informed me that it was their determination that the order made to XXXX was to me. I informed them that I did not have an account with this website ( confirmed by attempting password recovery with the e-mail addresses used by my wife and myself. None of those addresses had an account at XXXX at that time. ) They were finally able to provide me with the relevant order number in question ( XXXX ) so that I could contact the merchant for more information. 

The merchant website, unfortunately, did not seem to have a phone number. I registered for an account using my e-mail address so that I could use their live chat function. I've attached the transcript where the agent provided me with a tracking number thru XXXX, which showed that the item was delivered to XXXX, Florida, some XXXX miles from my home. I have no family or friends that live in XXXX. ( screenshot of transcript attached ). 

I provided this information to Chase 's fraud department and they committed to reopening the case with the new information. 

On or about XX/XX/2021, I received a letter indicating that they would not be reversing the charge and that they still believed it to be proper. As such I am opening this case to attempt to get some resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX allowed and conluding with the credit bureaus to report negative reporting on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXX  XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9. XXXX XX/XX/XXXX 10.XXXX XXXXXX/XX/XXXX 11. XXXXXX/XX/XXXX 12. XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.

Remove the addresses from my credit report. the 3 credit bureaus did not remove my addresses from the previous dispute. all they did is joining together the zip codes on them and update which was never there. attached informations for the reference. 
Not my address- FCRA Violation XXXX XXXX XXXX XXXX , GA XXXX - XXXX. 
XXXX XXXX XXXX  XXXX, GA XXXX - XXXX My Correct address is as follows XXXX XXXX XXXX, i XXXX XXXX, GA - XXXX. 

XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

2. 
Addresses, names and variations incorrect on all three credit report- they have not corrected them. attached the document 3 XXXX  XXXX XXXX - Remove this Not mine- FCRA Violation Closed Unknown payment history 4. 

XXXX XXXX Dispute This account ASAP- not mine {$0.00} Closed 14 late payments Account number XXXX XXXX XXXX XXXX XXXX XXXX Delete this account- not mine -fcra violation XXXX XXXX XXXX, GA XXXX XXXX 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX - {$20000.00} Closed 46 charge-offs Account number XXXX XXXX XXXX - Remove late payment {$0.00} Closed 18 late payments Chapter XXXX bankruptcy dismissed- Not my Bankruptcy.- attached screenshots- and public record XXXX XXXX XXXX XXXX- Dispute This account- not mine- FCRA Violation Account NumberXXXX
Product: Prepaid card

I received a Vanilla XXXX XXXX as a gift. I attempted to use the card online for a purchase well below the balance of the card, as verified online through VanillaGift.com. 

I tried going through the XXXX flow instead of through the online merchant. That also resulted in a declined transaction. Finally, I tried adding it to a mobile wallet ( as the VanillaGift XXXX suggests ) which resulted in a declined transaction. 

All in all I attempted a total of XXXX times via XXXX different methods, all of which were declined with sufficient funds ( about 50 % above the transaction total ). 

I attempted resolution via phone and online tickets. Both proved unfruitful, as the phone tree was never ending and oriented around unauthorized transaction ; there was no option for improper decline. Additionally, the ticket system online only allowed XXXX options for creating a ticket, which were unable to be used as no transactions processed, meaning we can not select a problem transaction to open a ticket about.