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

As of XX/XX/XXXX my XXXX Bank Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX Bank to the IRS on XXXX XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX Bank, Equifax, XXXX, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Never had a discover bank card Fraudulent account. 15 USC 1681e ( b ) 15 U.S.C 1681 C-1 15 U.S.C 1681 C-2
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - BALANCE {$970.00} - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$660.00} - DATE OPENED XXXX XXXX, XXXX XXXX  XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Unauthorized inquiries 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  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 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a settlement arrangement through the courts with XXXX XXXX XXXX. Arrangement was honored in 2019 but credit report is stilling showing this has delinquent but it is not. The arrangement has been paid off since 2019.
Product: Debt collection

Midland Funding, LLC was sued and lost the lawsuit for applying charges, fees and other as a mean to state a consumer owes them money. Their account firm is disconnected from management, management is disconnected from collections and collections is disconnected from legal and court filings - this is done to increase convolution associated to any claim. MIdland Funding, LLC has picked up their practice what appears to be a scheme to use the court system a means to cheat Americans. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have failed to acknowledge my dispute and correct my credit report. Experian has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute certain information that appears on my credit report, which I believe to be inaccurate and request its immediate correction. 

Specific Disputed Item ( s ) : Creditor Name : XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX  XXXX Reported Balance/Status : 1 MISSED PAYMENT CLOSED, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX XXXX  Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX XXXX XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX  XXXX Reported Balance/Status : 3 MISSED PAYMENTS, CLOSED, 90-119 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 



Thank you for your prompt attention to this matter. Protecting and ensuring the accuracy of my credit report is of utmost importance to me, and I trust that you will handle this dispute with the seriousness it deserves. 

Sincerely, XXXX XXXX
Product: Debt collection

i have sent debt validation letters because I have no dealings with said compant which also included cease and desist letter requesting account be removed from credit report.
Product: Debt collection

I received a collection claim from ERC on XXXX XXXX regarding an alleged unpaid amount for XXXX XXXX XXXX. I contacted ERC and was told that it was regarding service from XXXX XXXX, 2015 -  XXXX XXXX, 2015 at a former address. They also confirmed my social security number. I did have XXXX XXXX XXXX service around that timeframe but it was cancelled and the equipment was returned, a forwarding address was provided to XXXX XXXX XXXX and no claim was ever filed in the two years since. I contacted XXXX XXXX XXXX to verify that there was no money outstanding on the account that evening and they confirmed this. 

ERC asked me to file a dispute, which I did. I have also placed a 90 fraud alert at the credit agencies, in the event that this is someone who has accessed my social security number and former address in order to open fraudulent accounts or make a collection of funds. 

The ERC representative tried to get me to pay a settlement on debt that is not mine and I am concerned that my information will be used inappropriately, as I have no idea how they received it in the first place.
Product: Credit reporting or other personal consumer reports

The wait is over. It's been couple of months that credit bureaus have not responded to all the letters Ive been mailing them since day one. I was expecting for them to get back with me with the reinvestigation process that I have requested but I never received any single reply from them. 

I am disputing these inaccurate accounts below and Im hoping that they would promptly delete these invalid accounts from my files. 

XXXX - XXXX XXXX - XXXX
Product: Prepaid card

On XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX per Service Request XXXX. Mailed a statement about unauthorized transaction on card ending XXXX. I have another pre-paid. It says while we will make every effort to resolve this matter as quickly as possible, our investigation may take up to 45 days from the date of your initial notice XX/XX/XXXX to complete. If the claim involves a new account, point of sale transaction, or foreign initiated transaction, we may take up to 90 days to complete the investigation of your claim. A provisional credit in the amount of {$300.00} was issued on XX/XX/XXXX and will post to your account within three ( 3 ) business days. You have full access to these funds while our investigation is being conducted. Sincerely, XXXX XXXX Department XXXX. Today, XX/XX/XXXX, I check my checking balance there is a debit amount of - {$300.00}. I called XXXX and spoke with XXXX. He says XXXX XXXX credited the {$300.00}, then took it back upon another forty-five investigation. I ask XXXX will this effect my next Social Security check amount on the twelfth of XXXX? XXXX says it will. I only received XXXX XXXX dollars per month. This will a MAJOR blow to my ability to satisfy other needs. XXXX XXXX is already being sued by CFPB. I truly wish to have my name added to this suit. Additional, I would like my {$300.00} returned to me that is not to be taken away on a whim. I have been receiving through emails. Notices of a new device attempt to access my account. When I have my card in my possession at all times. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, my personal information including but not limited to name, social security number, date of birth, address, and driver license number was compromised and exposed. Equifax detected the hacking back in XXXX, but did not announce or contacted any victims including me until early XXXX after 3 of its senior executives sold their company stocks. As a victim of Equifax breach, my identity was no longer safe and private to myself. At this moment, I believe that Equifax should do more to control the damage to innocent citizens, and prevent future compromise, e.g. offering free credit freeze instead of just monitoring with their own service..
Product: Debt collection

XX/XX/year> request a copy of debt..no response ..just repeating phone call... insurance company..ask for proof of debt ... balances sent to collections company... them not the original creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of a disputed information on my credit report.
Product: Credit card or prepaid card

I rec 'd a promo I would get 10 % back if I used my card for grogery, gas and resturants in XXXX XXXX and XXXX. I used my card only for tht and every month earned enough to ge the max of {$120.00} back. XXXX and XXXX I got my money promised XXXX they never gave it to me I called and called and they said it could be XXXX cycles. Weird because I got my XXXX one in XXXX same with XXXX XXXX still nothing I signed up for a new promo to get {$70.00} back spending at grogery, gas and resturants again I meet the goal to get the {$70.00} never got it in XXXX or XXXX. They are getting us to use the card to get money from the places I use it but then never give me the money I was promised! I think this compnay needs looked into for false advertising and unethical business practices. I have included the two offers I rec 'd I show my bills with no credit in XXXX, XXXX and XXXX XXXX bill just released so I could not download it. I included a screenshot showing no credit on the word doc.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$51.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$590.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card or prepaid card

Ive never signed a contract with R/C Resurgent Receivable.They claim I owe them {$390.00} and account number begins with XXXX. I need this account deleted from my consumer report as this is fraudulent.
Product: Debt collection

Two months ago, a supposed student loan from 25 years ago showed up on XXXX credit report. I had never even Heart about this loan until that time nor was I in school at that place in 1996. Yesterday, I received a notification from Heartland collection company for this fraudulent collection attempt with no information on the debt. PERIOD! This is a clear violation of the Fait Credit Act. I will be taking legal action against XXXX XXXX XXXX, Heartland, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been calling equifax everyday giving the proof of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found out someone either hacked my email and phone was opening accounts in my name using my personal Information which mustve been stolen and reported to bureaus and put a fraud lock. Also filed report with FTC. I then reported to each company thats was involved XXXX XXXX, XXXX, US BANK AND XXXX XXXX and told them about fraudulent accounts in my name with them. Some were closed but are still reporting and some where not closed and are still reporting hurting my report with missed payments on an account that was opened fraudulently.
Product: Mortgage

My mortgage company keeps showing a large outstanding balance online and in statements which is not due. Customer services keeps saying it is a glitch in their system and to ignore it. At this point I dont trust what I owe them and I want a full accounting of what I have paid to made sure it was applied properly. I want a full history for two years because this has been going on that long. I was behind and I think they are taking advantage of that.
Product: Checking or savings account

On XX/XX/XXXX, I noticed the IRS deposited funds into my account that belonged to someone else. I alerted Synchrony bank and they put a restriction on my account. When I talked to my tax preparer about the issue, she realized that it was one of her clients ' tax refund. I don't know how this money got into my account It was a transaction for {$540.00} tax refund and {$2800.00} stimulus money. The lady, that the money belongs to, requested that I send the money to her instead of letting it go back to the IRS. When I requested the banker to send the money from my account, that is when he initiated a restriction because he thought that someone else had access to my account. We even went through verification including security questions and text verification. Now since Synchrony Bank restricted the account, the tax preparer wrote two checks to her client with the reimbursement of those amounts. I called the bank numerous times about this issue and they won't tell me nothing. They told me on XX/XX/XXXX, that it will take 30 to 60 days to investigate. I've been calling repeatedly over the last 3 months now. It's going on 90 days since this has happen. I've lost my apartment, my car, and behind on bills because this is my savings account that they restricted. I am on unemployment since last year because of the pandemic. My unemployment money and stimulus money is in that account. They sent back my tax refund to the IRS. I've lost everything due to this error and they are refusing to do their job. I told them plenty of times to just send the money back to the IRS. The supervisors that I've spoken with, never contacted me back about this issue after they stated that they will call back. I've sent them proof of the checks that the tax preparer wrote this client. I don't know who fault it is but all I know is that I have no access to my money in my account. I have many questions. 

Why did Synchrony bank accepted fund from the IRS that clearly didn't suppose to go into my account? I can see where every transaction comes from. That's how I knew that it wasn't mine. That's negligence on their behalf, not mine. 

Why haven't the money been sent back to the IRS? It's XX/XX/2021. I notified them on XX/XX/2021. This money is still sitting in my account. It doesn't take 90 days for them to investigate. They just don't know what to do about it and keeping my account on locked. 

How is it that they deposited someone else money into my account but my own money can't go into that account. This is my account. I am the only name listed on it so why did this happened? 

I'm annoyed and disappointed with Synchrony. I want this issue resolve immediately. I am tired of calling and chatting about the same issue. They had more than enough time.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which violate the Electronic Funds Transfer Act ( EFTA ) as it reqires timely access to funds., This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. I have auto payments scheduled that are kicking back and no funds received which were expected yesterday morning ( XX/XX/year> ) for both my payroll and my husbands.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are furnishing inaccurate information for the account XXXX. XXXX is reporting XXXX  days past due in the payment status, but the payment history reports XXXX  days past due. Transunion is reporting XXXX  days past due for each month throughout XXXX XXXX XX/XX/2024. This reporting is not only incorrect, but it is inconsistent and a violation of the FCRA. You are reporting that this account is open when this is incorrect. This is a closed account and has a {$0.00} balance. XXXX has since removed this inaccurate account. This is a violation of my rights as a consumer. It has been sent to XXXX  and Texas State Attorney General for the violations committed. Please note that I am the only natural person writing this statement with the help of no XXXX party. I never gave any consent to report anything on my consumer report. See the attached credit report which shows the inaccuracies.
Product: Money transfer, virtual currency, or money service

Paypal keeps hitting multiple of my bank accounts through XXXX that are not authorized. I have my accounts frozen at XXXX but can't get paypal to stop fraudulent vendors. 

XXXX : {$50.00} XX/XX/XXXX : {$90.00} XX/XX/XXXX : {$950.00}, {$49.00}, {$49.00} XX/XX/XXXX : {$50.00}, {$50.00} Paypal indicated not there problem, contact your bank.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject XXXX Formal Complaint Against NATIONAL CREDIT ADJUST ( address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) for Violations of Consumer Rights Dear CFPB, I am writing to file a formal complaint against NATIONAL CREDIT ADJUST for multiple violations of consumer protection laws in connection with their collection practices and reporting of my account. Below are the specific concerns : XXXX. Failure to Provide Validation Information In accordance with 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information upon request. Despite my request, NATIONAL CREDIT ADJUST has not provided the necessary validation information for the debt they claim I owe. 
XXXX. Improper Reporting and Lack of Opportunity to Dispute According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I must be given an opportunity to dispute the debt before it is reported to credit agencies. NATIONAL CREDIT ADJUST placed a collection account on my consumer report without giving me the chance to dispute the validity of the debt. 
XXXX. Use of Misleading, Deceptive, and Misrepresentative Practices NATIONAL CREDIT ADJUST has engaged in false, misleading, and deceptive practices in their attempts to collect the debt. This behavior is prohibited under FDCPA regulations. 
XXXX. Violation of Reporting and Disclosure Requirements Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( a ), a collection agency must comply with all required disclosures before furnishing information to consumer reporting agencies. NATIONAL CREDIT ADJUST has failed to meet these requirements. 
XXXX. Revocation of Communication Rights I am formally revoking all rights for NATIONAL CREDIT ADJUST to communicate with me via email, text, or phone calls. Please cease all such communications immediately. 
XXXX. Request for Documentation I am disputing any and all debts claimed by NATIONAL CREDIT ADJUST. I request the following documentation : o Proof of debt validation as required under 12 CFR 1006.34 ( b ) ( 5 ).

o A copy of the purchase agreement between NATIONAL CREDIT ADJUST and the original creditor. 
o Proof that NATIONAL CREDIT ADJUST is licensed and bonded to collect debts in my jurisdiction. 
XXXX. Improper Inquiry on Consumer Credit Report It appears that NATIONAL CREDIT ADJUST performed a soft pull on my consumer credit report to place a collection account. This is a violation of proper procedures, as it was done without adhering to the necessary regulations. 
I request that the CFPB investigate these issues and assist in correcting my consumer report to remove the inaccurate collection entry. Enclosed are copies of relevant documents, including correspondence with NATIONAL CREDIT ADJUST and my consumer report showing the disputed collection. 
Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. 
Sincerely, XXXX XXXX