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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late ( XX/XX/2019 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit card or prepaid card

I made an online purchase from a merchant called XXXX XXXX. The purchase was for a 3xl sweat shirt that costed {$160.00} with additional shipping charges. The sweater arrived at my address, however the size was not as advertised dimension wise. I contacted the merchant and returned the item via USPS as requested in their terms. I have not received any return or compensation for the payment. I have contacted my credit card company Capital One and opened a dispute. Originally they provided me with a provisional credit pending an investigation. However the credit was then taken back as they ruled the claim closed and for me to contact the merchant. I have made several attempts to contact the merchant and have not received a response to emails or calls. I have the receipt showing that my item was returned and insured with the postal service. 
I have recently contacted Capital One and they responded that they can not help me the case will remain closed.
Product: Credit reporting or other personal consumer reports

I am requesting to have these unknown debts and unknown inquiries removed from my credit report immediately due to it affecting my credit negatively. I have included accounts and inquiries in question. I have also attached a copy of my credit report as well. My student loans are reporting late which is incorrect.

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Highest balance Terms 73 Months On record until XXXX XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance updated XX/XX/XXXX Recent payment {$670.00} as of XX/XX/XXXX Original balance {$11000.00} Terms 42 Months On record until XX/XX/XXXX Student Loan reporting incorrectly with a 90 day late notice Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Terms 1 Months On record until XX/XX/XXXX INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By mail only XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Hard Inquires Dear Sir/Madam, I am writing to formally dispute an item on my credit report that I believe to be inaccurate. After reviewing my credit report, I would like to request an investigation into the following information. 

Item in Disputes ( Hard Inquirs ) XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX ALLY FINANCIAL XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALLY FINANCIAL XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to fair credit reporting SCRA section 61 115 USC 161 law states unverified inquire must be removed. According to law 15 USC 1681 ( n ) we have the right to sue up to XXXX for every unauthorized charge that has been placed on our credit. Law 15 USC 1681B states we have to give written permission for anything to be placed on our credit report I didnt give a written authorization to have this information placed on my account with third parties or anyone. Law 18USC 1028A states my information has been passed through 3rd parties without my permission and consent is called aggravated identity theft. last but not least Law FCRA section 605B states is illegal to report information on my credit without my permission. 

Please investigate this matter and correct the error on my credit report. I kindly request that you inform me of the results of your investigation within the time frame required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LexisNexis XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Reinvestigation of Identity Fraud Complaints 15 USC 1681 , 15 USC 1666, and 15 USC 1692 ( g ) Dear LexisNexis, I am writing to request a reinvestigation of the identity fraud complaints I previously filed with the Consumer Financial Protection Bureau ( CFPB ), which are governed by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, as well as by 15 USC 1666 and 15 USC 1692 ( g ), which regulate fraudulent reporting and debt collection practices. 
On XX/XX/XXXXXXXX XXXX XXXX, I reported that I was a victim of identity fraud, which has resulted in inaccurate or unauthorized information being included in my credit file. Despite my efforts to resolve this issue, I have not seen an adequate resolution or correction of the fraudulent entries.

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to conduct a thorough reinvestigation when fraudulent activity is reported. Specifically : 1. 15 USC 1681- Fair Credit Reporting Act : Requires you to investigate any disputes I raise regarding inaccurate information in my credit file, particularly information that resulted from identity theft or fraud.

2. 15 USC 1666 - Billing Errors : Prohibits creditors from continuing to collect on fraudulent accounts or charges stemming from identity theft.

3. 15 USC 1692 ( g ) - Debt Collection Practices : Requires debt collectors to provide proper validation of debts, including ensuring that those debts are not a result of identity fraud.

I kindly request the following : 1. A comprehensive and prompt reinvestigation of the disputed fraudulent entries related to my identity theft.

2. A detailed explanation of the steps taken to investigate these fraudulent accounts and remove them from my credit report.

3. Immediate correction or removal of any inaccurate information found during your reinvestigation, in accordance with my rights under the law.

4. Documentation of any communication or steps taken by the debt collectors or creditors involved in this fraud to rectify the situation.

Please inform me of the outcome of your reinvestigation as soon as possible and provide a written explanation of the actions taken to resolve this matter.

If you require any additional information or documentation to assist with your investigation, please do not hesitate to contact me at ( XXXX ) XXXX or XXXX. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for over 15 years, I contacted the credit bureau companies Equifax, XXXX and XXXX and provided police reports and filed disputes several times. These items are now charged off and have now adversely affected my credit. These reporting agencies refuse to remove these items. I am in the process of purchasing a major purchase yet these items remain on my credit file after years of disputing them. The following are some of the ones in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/16 I switched from my XXXX XXXX to equitable acceptance. I owe them {$12000.00} with only 2 loans. I was told over the phone that I would pay half of my loans and they would pay the rest. I paid {$970.00} so far on my loans and even on my payment page it said consolidation complete ( informed by dealer I emailed the company about it and asked when they were going to take over because I had another payment due to them and I did not receive an email back from them. ( My email to Equitable acceptance is included in this message ) I stopped making payments for a few months because of financial difficulties and so I called Equitable acceptance back to get re-enrolled and they said none of the money Ive been paying them goes to my student loans period. I was told different from the first time I signed up till this time and Im really infuriated because thats a lot of money to give to someone just to file paperwork like the man said. I looked up online if other people are having issues with them and theres so many people and so many people looking for lawyers over this its unreal. I also had an issue with XXXX. I switched 2 of my loans to them XX/XX/16 and I owe them {$13000.00} Ive paid {$150.00} back to them and more money is going to interest than it is the actual loan and cant seem to get anywhere with them.
Product: Credit reporting or other personal consumer reports

AS STATED ON MY CREDIT REPORT ( REMEDYING THE EFFECTS OF IDENTITY THEFT, ( Page 30 OF 34 # 4-6 ) FROM THE CREDIT REPORTING AGENCIES IT STATES THAT I CAN REQUEST FOR INFORMATION INVOLVED IN IDENTITY THEFT TO BE BLOCKED FROM BEING REPORTED. I AM EXERCISING MY RIGHT TO BLOCK THESE ID THEFT REPORTED ACCOUNTS LISTED. I ATTEMPTED TO REMEDY THIS YEARS AGO BUT WAS IGNORED BY THE CREDIT REPORTING AGENCIES ( EXPERIAN, XXXX ) ( 15 USC 1681 A-AI ) TRANSACTIONS OR EXPERIENCES THAT SHOULD NOT BE INCLUDED ON A CONSUMER REPORT. 
( 15 USC 68 0 2 ) RESPECT TO DISCLOSURE OF PERSONAL INFORMATION EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX I DO NOT WANT THESE ACCOUNTS ON MY CONSUMER REPORT, AND I AM EXERCISING MY RIGHTS UNDER THE FCRA, THAT I DEMAND TO HAVE THESE ACCOUNTS BLOCKED FROM REPORTING ON XXXX, EXPERIAN, AND XXXX IMMEDIATELY. PLEASE REMOVE EFFECTIVE IMMEDIATELY XXXX
Product: Credit card or prepaid card

In regards to Synchrony bank/ Paypal Credit I have called on many occasion over the years to try and allocate a payment made toward a special finance purchase. First I don't know why consumers don't have an option to opt out of this SFP special finance purchase program. Every charge made that exceeds only {$99.00} is automatically placed into this program and the consumer has no option but to call Paypal credit, waste considerable amount of time being looped around until one can get a hold of a live person only to be forced to call back a week or so later because the allocation request wasn't processed. I am exhausted of calling back, as I just did again, to follow up on an allocation that wasn't processed. Is there an option to avoid this chaos and not have charges of only {$99.00} fall into this SFP? I now don't use this Paypal credit to avoid this {$99.00} falling into the SFP program. 

Exhausted XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo has completely deactivated my account and refuses to give me a reason why or reopen my account. This has caused issues as it was my primary peer-to-peer application when paying friends or family. Recently I attempted to sign up again only to be told that my account was permanently deactivated for violating Venmo 's terms of service. However, Venmo was unable or unwilling to tell me which term I violated. I went through the terms of service with an attorney and I can verify that I have never violated any of the terms of service.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. I am making a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

Student Loan ReFi ( # XXXX ) Unfortunately, I was dissatisfied for the following reason.They lured me into applying for a loan. I submitted basic information including my SSN # and they prequalified me. I submitted more information to conclude the process. At the last minute, they declined the offer. What about the -25 point hit my credit score took?
Product: Debt collection

I have tried resolving this issue with the Equifax and XXXX XXXX  by asking them to validate the debt with documents showing I owe the debt. I never live at XXXX XXXX and I never lived at XXXX XXXX XXXX, Tx XXXX. XXXX and XXXX have removed because this is not me and I do not owe the debt. Please remove from Equifax report debt dat reported XX/XX/ 2015 reporter XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal actionXXXX 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
Product: Credit card

I am a Capital One cardholder. My payment due date is XX/XX/XXXX. On the business day of XX/XX/XXXX, I attempted to make my payment using the Capital One mobile app. The app, which has experienced significant challenge and seems inoperative much of the time, would not accept my payment. I next called the Capital One customer service department. I spoke to an agent and explained the reason for my call. He then told me he would be processing a payment but that I would get a late fee. I asked for a supervisor and received one. The supervisor told me that the payment was made by the previous representative and that I would be able to get the late fee waived. She specifically looked and told me the prior agent had processed my payment during the very call we were then on. 

The next day I called to make sure the payment had been made. When I found that it had not, I asked again for a supervisor. The supervisor explained that no payment had been processed by either the customer service agent or supervisor the day prior. I then made yet another payment. 

I want to make this complaint because it is in Capital One 's interest to improperly process payments. They make considerable sums of money on the late fee scheme. Had I not called in just to make sure, the payment would have never been made and Capital One would have surely notified the credit reporting agencies of my failure to make a payment on my account. 

Customer service in general is on the downward spiral, not just at Capital One, but everywhere. Extensive voice mail systems with prompts that go nowhere or do not address the issue and an over reliance upon one-way web site customer service is rampant and worsens with every day.
Product: Debt collection

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX has two collections on my credit report. I have submitted to complaints with XXXX who havent taken action to investigate beyond the company just replying its accurate. However, I have never dealt with this company. The credit report shows them as a debt buyer who acquired this debt from XXXX XXXX XXXX  XXXX XXXX. I have never dealt with XXXX XXXX XXXX. I have received no notification of this debt until its showed up on my credit report in collections. I dont know anything about LVNV. They may be a scam company that buys extremely old written off debts and then tries to collect by damaging the credit of people without their knowledge. I want this collection removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXX XXXX  Balance : {$20.00}.
Product: Credit card or prepaid card

During the peak of COVID-19, I was furloughed from my company. As a result, I was 4-5 days late on two payments during the time that my unemployment benefits were kicking in. I never MISSED a payment and the payments were not MORE than 30-days late -- the criteria for reporting a late payment to the credit bureaus. My credit score was on the mend when suddenly, they decreased my max limit, reported that decrease to the bureau, and it caused my credit score to plummet. This was completely unilaterally without a single communication - no phone call, no letter ... nothing. No chance for me to respond, explain or discuss with a human being.
Product: Credit reporting or other personal consumer reports

File number XXXX. Dispute was filed through XXXX XXXX for in accurate report from XXXX about inaccurate information from Portfolio Recovery on XXXX XXXX. I have yet to receive any results or updates on case. I reached XX/XX/year> stating FRCA requires an update on a dispute within 30 days and was told there was an error on there end. Chat transcripts should show that. Seeing they are not holding up the laws mandate i would like all information they've obtain without my consent deleted .According to 15 USC 1681b. 

All portfolio recovery information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - PAY TO DELETE ARRANGMENT - BUREAU WILL NOT REMOVER PER ATTACHED LETTER. LETTER HAS BEEN NOTARIZED FOR COURT PROCEEDINGS. DISPUTE WAS SENT BY CERTIFIED MAIL.
Product: Credit reporting or other personal consumer reports

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