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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I did not authorize any of this nor did I sign for it I sent Transunion numerous letters and calls for them to investigate these action and delete, but nothing occurred. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I signed up for a new Capital One 360 Checking Account - the account was offering a bonus if you made two direct deposits of {$250.00} or more. I made two direct deposits from the exact same brokerage account - yet Capital One told me one of the deposits was ineligible. I called up to ask for an explanation and they were unable to provide one except that their app may have caused the problem. Capital One sent me an offer - I signed up - then they didn't fulfill their terms. This is fraudulent activity.
Product: Debt collection

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ATG Credit Re : Acct # Unknown To Disputes Department : This letter is in response to your recent claim regarding an unknown account, which you claim that I owe you {$280.00}. By not replying in a timely manner to my initial letter on XXXX/XXXX/2020, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You would be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  L XXXX, IL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX  XXXX  XXXX  XXXX XXXX CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a dispute for the charge off account for the XXXX XXXX XXXX credit card on my credit report which is affecting my credit at the time. I requested information regarding this account which in this case could mean identify theft because I am not able to recognize this account. Ive inquired regarding the account on numerous occasions. The address associated with this account I have never resided there which has now as disputing has been removed off my credit report. The name as well has been misspelled which I previously brought up as of red flags. Due to federal law if proof that this account is mine indeed they have to delete this account from my credit report.
Product: Money transfer, virtual currency, or money service

Blockchain.com frozen a XXXX transfer from my platform to my wallet address XXXX on XXXX platform. 
They claimed that for not well specified " funds legalization '' they are forced to block these funds, and to unblock them I had to operate different consecutive transactions to their address XXXX. 
I did as requested but after several transactions were refunded as expected, they halted a transaction of XXXX XXXX XXXX ( XXXXXXXX XXXX ). 
They also claimed that to unfroze all the funds ( approximately XXXXXXXX XXXXs ) I have to operate a " last '' transaction of XXXX in a single solution to their wallet address XXXX. 
Being warned by this very uncommon and suspect conduct, I asked for a guarantee letter by which they have to declare funds release upon last transaction. They send me a fake letter signed by a person that is not in the member board of blockchain.com. They always wrote to me by the following address XXXX. 
I asked for your help! 
Thank you very much for your help Best regards XXXX XXXX
Product: Vehicle loan or lease

We paid off our auto loan on XX/XX/2020. After the loan was paid, the company sent us the title and confirmed the loan was paid off, However, they reported to the credit agencies that we were 60 days late in XXXX and 90 days late in XXXX, which is not correct. They are also reporting to the agencies that the account was charged off from XX/XX/2020 through XX/XX/2020. Of course, this is not correct either. 

I have contacted the company several times to have this corrected, and they keep telling me that it is going to take time and they are working on it, But, it has been several months and nothing has changed. 

We are trying to refinance our mortgage while the interest rates are low. This company is holding us up from being able to do this, because of what they have reported to my credit file. 

I am very frustrated with this and would like you help, if possible.
Product: Credit card or prepaid card

Two fraudulent charges fro {$450.00} were made at the XXXX XXXX on XX/XX/XXXX using my card number. I was in possession of my card the whole time and was out of state the date that this purchase was made. Citizens Bank froze my card in response to the fraudulent charge, I then called them on XX/XX/XXXX to confirm that the fraud was fraudulent. The representative I spoke with said that the charge would be removed and that Citizens would send me a new card. I received my new card and my billing statement was updated to remove the amount. 

On my XXXX billing statement, the two charges of {$450.00} were placed back on to my account, as an " account adjustment. '' I immediately called Citizens to dispute why the charges were placed back on to my account, as I had verified them as fraudulent, and under federal law I could only be held responsible for a maximum of {$50.00} of those charges. I was not able to get a response as to why I was re-charged for these purchases, and was told that the customer representative was " emailing the fraud investigator '' and that I would hear back in 2-3 business days. I heard nothing from Citizens and called again on XX/XX/XXXX and was told the same thing, that the representative would email the fraud investigator and that it should be removed from my account. This time I was told that it would take until the end of the week ( XX/XX/XXXX ) to get a response. I again received no response, so called today, XXXX, to again follow up on this issue. I asked that the issue be escalated to a supervisor and indicated that I would be filing a complaint with the CFPB and cancelling my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit card or prepaid card

I have a complaint # XXXX that was closed, however the issue has not yet fully been resolved. I was dealing with XXXX and she was helpful, but needed to follow-up after XX/XX/23 to finalize issue of interest fee charges. She called after business hours, as they always do and I repeatedly told them they must call during hours of operation so we can address this business account properly. I tried to call the main number back to leave a message for XXXX and was told they have no way to get message to upper management who is working with me. 

-I never received last months bill in the mail and never got a response as to why. They continue to not send invoices, then charge us interest and late fees. Can't rely on online statement because when I access my account online, it shows double billings- have not gotten a return call to address this issue. 
-Just printed out my last months bill and found more interest charges that need to be resolved. 

This is a continuation of the first complaint and need an upper mgmt person to contact me at XXXX.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. all of the data listed is reporting illegal an fraudulent information that has caused major delays on my credit report. please review an remove the listed items to help clear my credit repot asap.
Product: Credit reporting or other personal consumer reports

I received a student loan for the school : XXXX XXXX and XXXX XXXX XXXX. In XXXX, XXXX  From The US department of education through FASFA. I believe it was XXXX or maybe XXXX. I recently found out that the credit companies and the US. Dept. of Education have added three student loans. for various amounts. I can verify I was in XXXX  from XXXX and XXXX XXXX. I have only applied for the one and received the one student loan. and for those years I was in XXXX  I received a letter upon my request saying they would stay the interest. I don't even know how to go about setting up payments. Also, I only have one student loan that is legit and mine.

So the issue is there are 3 student loans that I'm indebted for but only one is legit and mine. I have only applied and received 1 student loan in my life.
Product: Prepaid card

I have two Amex Gift Cards that I got as a promotion when I installed my HVAC units. They both came with {$500.00} on them about a year ago. I was able to use them for a bit but everywhere I've tried lately they've been denied. I'm not trying unsecure sites ( I've been getting denied XXXX XXXX doctors office, hospitals... you know, highly regulated medical sites ). But according to Amex the sites aren't secure enough. But I've also been denied in person at my car mechanics shop. It is NOT that I was never able to use them, I've spent over {$850.00} of the {$1000.00}. But lately it's been a gamble and they get denied more often then accepted. I called today to ask and after fighting with their automated system I got a human being and their response was just keep trying to use them in other places. They shouldn't be randomly denied anywhere. I've still got {$120.00} on them that I look like a fool trying to spend because 95 % of the time they're declined for no reason whatsoever. Even in locations they've previously been accepted they can be declined ( or locations they've previously been declined they'll be accepted! ). I would like this money refunded to me by check so I don't have to play the game of try to figure out where I'm going to be able to spend it today. Amex Gift Cards say you can use them anywhere Amex is accepted, this is clearly NOT true.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to have my information. I have reported this information to the police as identity theft. I have also filed a complaint with the ftc as I have requested information on these account to Transunion, XXXX. I have the right to privacy! This is identity theft I never received any benefit from these unauthorized inquiries neither do I have any accounts with these companies. There has to be permissible purpose and I never gave consent in writing, verbal to report anything to my consumer file. Attached is the identity theft affidavit of all the accounts and address that are non mailable and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. 

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after I sent a letter. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX Balance : {$86.00} XXXX XXXX  XXXX Balance XXXX {$250.00} XXXX  Inquired on XXXX XXXX, XXXX
Product: Debt collection

I noticed in XXXX that a new collection was added to my account and dropped my credit score. I called and was told the debt was from XXXX. I explained that while I had a personal account there were two other accounts that were part of a business that I sold. 

I asked to verify the debt and they would not and could not provide it. 

I sent another request for the information via certified mail on XX/XX/2020 and never received a response from the debt collector. 

I am also filing with the SC Attorney General and the MN Attorney General. 

I have since paid the debt since I am in the process of buying a house and it was affecting my credit.
Product: Prepaid card

On Thu, XX/XX/XXXX, @ XXXX, I got the email from the XXXX Data Breach Settlement Additional XXXX XXXX  Payment. 

I said that in order to redeem my " Additional Settlement Payment '' of {$22.00}, I needed to do the following : Click the Redeem Virtual Card button below or visit the redemption site by clicking this URL : XXXX : XXXX? XXXX ( my code would go here ) But for multiple days now, their website returns an error every time I try to redeem my money/prepaid card using my code, it says : " Oops. There's an error on our side. Please try again soon. '' I researched online on XXXX and it seems many other users are having similar issues.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX Balance Owed : {$92.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting

XXXX XXXX department store reported me late for payment XX/XX/XXXX and XX/XX/XXXX but did pay in full interest, late fee and payment XX/XX/XXXX and XX/XX/XXXX. contacted XXXX XXXX to have them remove late payment notived with all XXXX credit reporting agencies but XXXX XXXX department store is willing even though ful payment was payed including late fee, interest and balance. this late payment reporting by XXXX XXXX to all credit reporting agencies has lwered my credid score resulting in my husband NOt qualifying for thet op tier 30 year home refinance of 4 % but rather qualifying for 4.25 % 30 year. ALL because i was lateyes twice but also did pay the late fee, interest and balance to XXXX XXXX department store
Product: Credit reporting, credit repair services, or other personal consumer reports

After several investigations in account XXXX Destiny # XXXX account, the credit bureau has failed to update my credit report accurately which is showing 90 day missed payment, which inaccurate and should show On time/paid as agreed.
Product: Checking or savings account

Capital One Bank lost {$990.00} and refuses to locate where the {$990.00} went to. Capital One already admitted in a previous complaint they screwed up and will not take any accountability for their employee errors when one of their Associates told me they could " cancel '' the XXXX transaction. HOWEVER, LISTEN UP " XXXX '' with NO Last name that responded cowardly to my previous complaint without a chance to refute the erroneous information, I AM NOT interested in your corporate blah, blah, blah speak about your internal policies or how you do not hold the Bank accountable for employee mistakes to suite your own favor. I am only interested in Capital One locating where the {$990.00} went to after it left my bank account because the intended receiving party ( XXXX XXXX XXXX ) did NOT receive this money. One of your banking associates specifically said to me that the {$990.00} was " SENT '' but " NOT DELIVERED ''. So where did the {$990.00} go XXXX XXXX? Find It and Return it!!!!!!!!!!
Product: Checking or savings account

Telecheck charged my account twice. I contacted them and sent proof that they did. I also file a XXXX  complaint against them. I was informed today that they investigated, did not have sufficient proof they had charged my account in error and had closed the investigation. 
The proof I sent them was the XXXX bank statement showing the check clearing the first time, and a " ministatement '' from the bank showing the check clearing again in XXXX. Perhaps they didn't accept the " ministatement '' I don't know. 
They also charged my bank an XXXX  fee in XXXX for XXXX dollars. 
I received a new case number today XXXX. 

I am submitting to you the information that was faxed again to Telecheck today. The person who faxed for me circled the items in question on the bank statements before faxing. That is the check for {$300.00} that cleared XX/XX/XXXX, the check that cleared XX/XX/XXXX for {$300.00} and the NSF fee of {$30.00} charged on XX/XX/XXXX.