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

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation and blankly ignoring the laws that they are by law to follow. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

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 as well XXXX  - acct # XXXX XXXX- acct # XXXX XXXX - acct # XXXX XXXX XXXX - acct # XXXX XXXX XXXX  XXXX - acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( clear violated ) 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 I did not give you all any 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. 

According to the FCRA if after any REINVESTIGATION of any information disputed by the consumer, a item of the investigation appear to be inaccurate, incomplete, or can not be properly verified the consumer agency 's must Delete and remove immediately. 

Please provide me with the following items for each account : *original contract with my original signed signature *Written permission to furnish account on my consumer report *PAY off disclosure *Interest Rate Disclosure *Balance History *Payment History *credit insurance This is the last time I contact you for accurate reporting before I hire a consumer lawyer to assist as well as seek any money for furnishing the account damaging me mentally and emotionally. 
I have all the evidence to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account, XXXX XXXX # XXXX ...., is reporting 3 different Last Date Active. 

XXXX reports XXXX Experian reports XXXX XXXX  reports XXXX This is in violation, and needs to be removed immediately from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the enclosed request for reinvestigation to Transunion LLC XXXX XXXX XXXX XXXX, PA XXXX and TransUnion Legal Dept XXXX XXXX XXXX XXXX XXXX, IL XXXX via certified mail and they failed to notify me of the status of the investigation. The item of information in question XXXX XXXX was not removed from the report even though it was transferred. XXXX and XXXX have removed it from their reports. Transunion failed the requirements of 15 USC 1681i ( a ) ( 1 ) ( A ) in failing to conduct an investigation or notify me within 5 business days that they decided not to.
Product: Debt collection

The collection letter I got from National Credit Systems contained no information about how I can dispute this illegitimate debt. National Credit Systems only Instructed information on how to pay but nothing on how to dispute this debt. I was originally let out of an apartment lease due to severe medical conditions and provided a letter from my Doctor to the apartment Manager who advised me there was no problem. Once I got a collection letter from National Credit Systems I was confused. I tried calling this collection agency to advise of my dispute and requested to speak to a manager. I was immediately advised by the lady who answered the phone that I could not speak to a manager and was instead transferred to a collector named XXXX XXXX. I explained in great detail about my medical condition, the Doctor 's letter I provided to the apartment manager and why I disputed this illegitimate debt. In the middle of my explanation and without warning he placed me on a very long hold. when XXXX XXXX finally returned to the line, he talked over me and interrupted me with loud and rude demands for payment. I again advised of me dispute and then he rudely hung up on me. The phone conversation I just described took place on XX/XX/2022. I fully expected that I would receive some sort of an attempt at validating this debt and maybe even a call from a manager apologizing that I was denied ever even speaking to in the first place. I called National Credit Systems again on XX/XX/2022. This time I was again denied my request to speak to a manager and got same XXXX XXXX on the line. this time I hung up on him due to my previous treatment by him. National Credit Systems never validated the illegitimate debt and only threatened me with ruining my credit report. Please do something about this as I am suffering from much XXXX which is only aggravating my medical condition. Thank you who
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting 90 plus days late on the XXXX account number XXXX. The date of last activity was in XX/XX/2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Product: Credit card or prepaid card

Purchase was made from XXXX on XX/XX/XXXX  using PayPal Credit Card. It was placed online for some cat shelves. The amount is {$640.00}. Item will not be shipped until XXXX XXXX. I cancelled and requested refund. This was denied. I was told I would have to receive item and return it. I would get a refund 30 days after it was returned. I was not told it would take this long to receive it or the return policy. I disputed the charge with PayPal Credit Card through PayPal and Synchrony Bank. I have sent faxes and mailed dispute form. It has been ignored. 
This is a lot of money for me. I can't afford to lose that money or be without it for this extended period of time. I'm on a fixed income and am XXXX.
Product: Payday loan, title loan, or personal loan

I have notified this company that this account doesn not belong to me and that my identity have been stolen and this account was opened up fraudulently. They have not updated me with any information and I want this debt to be remove/cancelled as well as my credit report update immediately. I have tried disputing this through the credit bureaus and not satisfing outcome
Product: Student loan

My issue is very straightforward as is the solution I desire. On XX/XX/2023, I payed {$2700.00} for the first of my two direct subsidized loans to Edfinancial. On XX/XX/XXXX, both of my two loans got reduced to {$270.00} because I XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I payed the {$270.00} for the second loan, and my first loan showed a balance of - {$2400.00} ( signaling a refund ). On XX/XX/XXXX, my account officially reflected a refund of {$2400.00}, and my account balance went to {$0.00}. I have received no refund check/direct deposit yet. Since that date in XXXX, I have called 5-6 times, speaking with a different representative each time, seeking for information regarding the status of my refund. I have received no such information other than inconsistent timeline suggestions ( 4-6 weeks, 60-90 days, 25 business days, 35 business days, and we can not provide that information ). I have asked to speak to a supervisor TWICE, and both times they have told me to wait 24-48 business hours for a call back. Both times I have not been called back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with Equifax as " not mine '' but it recently came back as verified ... .I never had an account with XXXX XXXX XXXX, XXXX They also wont give me evidence or verification as to why they will not remove the account. The error has affected my credit score Please delete immediately before further harm is done
Product: Credit card or prepaid card

THIS IS EMERGENCY BANK OF AMERICA PRE-PAID CARD USE BY XXXX EMPLOYMENT -UNEMPLOYMENT INSURANCE BENEFIT, I HAVE CALL I HAVE SENT LETTER TO XXXX XXXX XXXX, MANY CALLS THEY HAVE CLAIM THE SENT E-MAL TO BANK OF AMERICA UNLOCK CARD THEY SENT E-MAIL WHILE I WAS ON PHONE I HAVE CALL TO FRAUD DEPARTMENT THEY CONTINUE CLAIM THEY HAVE NOT GOTTEN ANY E-MAIL THIS IS MY UNEMPLOYMENT IT DO NOT TAKE 2-MONTH UNLOCK YOUR CARD MY UNEMPLOYMENT CONTINUE SENT EVERY WEEK TO BANK OF AMERICA PRE-PAID , XXXX XXXX XXXX XXXX - REPORT FRAUD OTHER PEOPLE UNEMPLOYMENT WAS GOING IN PEOPLE PEOPLE BANK ACCOUNT WHEN SOME HAD NEVER APPLY FOR UNEMPLOYMENT I DO ID ME SHOW I WAS XXXX XXXX XXXX HAVE COMPLETED EVERYTHING THEY SEE MY DEPOSIT CONTINUE BEGIN DEPOSIT ON PRE PAID CARD I SENT EVERYTHING XXXX XXXX THEY ASKING DO HAVE PERSONAL BANK ACCOUNT I DO NOT IT SEEN BANK AMERICA PRE-PAID CARD DISCRIMINATION BUSINESS SCAM IT DO NOT TAKE 31 DAYS UNLOCK A CARD WHEN YOU CALL ONE AGENCY TOLD ME SHE WAS TOLD NOT TALK TO ME IT'S HARD LIGHT XXXX WARTER CUT OFF I NEED MY FUND SOON AS YOU GET MY COMPLAINT WHEN SOME ONE HOLDING UP YOUR UNEMPLOYMENT IT NOT GOVERNOR THEY SAID YOU ID THE LOCK DOWN MY FUND SOMETHING NOT RIGHT.
Product: Credit card or prepaid card

A fraudulent credit card was opened in my name with Fortiva, and used to make purchases in the amount of {$3200.00}. 

An additional account was fraudulently opened in my name with XXXX XXXX XXXX in the amount of {$330.00}. 

I was unaware of the issue until another company where I have a credit card canceled my card due to negative activity on my credit report. When I looked into my credit report to find out what was happening ( XXXX ), I was told about this Fortiva account and debt, and the XXXX XXXX XXXX XXXX 

I contacted Fortiva and XXXX today, XX/XX/2022 and told them that those accounts were not opened by me and are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  obtained my credit reports on line. There were a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the informatio   n with the ORIGINAL CREDITOR, they must re
move said information from the consumer credit file. <P/> My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed none of the Credit Bureaus has never validated or verified these public record entrie
s on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
<P/>
The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
<P/>
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1   ) ( a ), you are required by federal law to verify through physica  l verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
<P/>
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the   XXXX    Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information being furnished in the personal information section of my consumer report since XX/XX/20 that Transunion has PURPOSLEY furnished for years and have YET to do a VALID investigation and get these errors removed from my consumer report. This inaccurate information is ruining my reputation. I need these errors DELETED from my consumer report immediately.
Product: Payday loan, title loan, or personal loan

I thought i was applying for a loan. I never got any money from them and they are trying to bully me into paying them! I disputed it on my credit but they said its mine. I was tricked into this. I thought i was borrowing {$500.00} to help me pay rent. They are a scam company trying to take advantage of broke people. Now my credit is impacted. I have told them they will never see a dime from me. I dont pay scammers.
Product: Credit card or prepaid card

Hello, I have been facing a lot of issue with paypal since i have my account but i can tell you that that one is the worse. 

They closed my account without any notice on XX/XX/2019 and since then keeping my money in hostage for 6 months. 

The amount is {$60.00} dollars i know it is not a huge amount but this is abusive and they changed their rules long after Ive opened my account with them, and got the nerves to say that i have accepted. But when youre already a customer and in that meantime they are changing the users agreement you dont get to chose if you accept the conditions or not, they just send an update regarding their new agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following have violated my rights. XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX 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 card or prepaid card

A Capitol one credit card was opened in my name by identity thieves in XX/XX/XXXX. At the same time several other fraudulent cards were opened in my name at XXXX XXXX and XXXX XXXX. This occurred because my personal info including social security number was leaked as part of a data breach. 

I became aware of the fraudulent cards in XX/XX/XXXX and reported them to all three banks, as well as opening a report on identitytheft.gov, filing a police report, and freezing my account with the credit agencies. 

To this day one year later Capitol One has failed to adequately investigate and resolve my dispute. Their security practices are dangerously inadequate and pose a serious risk to all consumers. They allowed a credit card to be opened on the basis of an incorrect phone number which has now been removed from all of my credit reports and a pre-approved credit card offer they sent me that someone had dug out of the trash. 

Despite the phone number being removed from all three credit reports, they refuse to remove the account. 

I have initiated 2 investigations with Capitol One, and in both cases they have failed to come to the correct conclusion that other banks were able to reach within days. I have spent dozens of hours of my time trying to get them to resolve this card, which is ruining my credit score and preventing me from buying a home.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 XXXX reported that I was 60 days late on my mortgage account. 

XXXX recently bought my Mortgage ( transfer was XX/XX/2023 ) They incorrectly reported that I am 60 days late. This dropped my credit score over XXXX points. 

I have made XXXX payments since the transfer of my loan. 

Both their phone system and online portals say my account is current. 

I have called the only customer service number I can find and there is absolutely no option to speak with a live person/representative. 

I have emailed them but have not received a response. 

I have filed a dispute with XXXX on XXXX.
Product: Debt collection

I received XXXX 's from CHASE BANK in 2013. XXXX XXXX was marked and on the form meaning no collection efforts will be made. This was further communicated when I spoke to a manager at CHASE credit department. CHASE BANK continues to report cancelled debt balances on my credit report. Although the XXXX state that no collection efforts will be made I have received letters from CHASE saying that I still have balances on the accounts. How can I have balances on cancelled debt that I included in my taxes in 2013? Ive disputed this issue with all credit bureaus and CHASE BANK. The incorrect status and balance of the accounts are still listed. The balances cant be both cancelled and owed? I have become very frustrated with CHASE BANK and feel that this is just a tactic to hurt consumers financially. I have had to pay higher interest rates and have been denied credit based solely on the CHASE BANK accounts listed on my credit report. CHASE BANK received the tax benefit by issuing the XXXX but continues to report the balances to the bureaus. There have been court cases that have ruled in the favor of the consumer on this issue but Ive found no real laws dealing with XXXX and proper credit reporting. Consumers are really being XXXX by CHASE BANK 's reporting of XXXX balances. I believe they are the only bank that does this. I will continue to dispute this issue as I feel the reporting is an illegal representation of the accounts. I wanted to do this complaint to help other people who are in the same situation. Hopefully something can be done about this as these practices of CHASE BANK reporting zombie debt must be ended. CHASE continues to ignore my disputes. They continue to post false information on my credit file.
Product: Checking or savings account

The issue I am having is that Robinhood is insisting I owe the {$1400.00} as of XXXX this morning. 

To provide some backstory here, I more recently reached out to the platform to request a ban similar to how casinos allow people to ban themselves from XXXX 

The way Robinhood had everything setup and the trades they were allowing me to take, subsequently led to me basically losing over XXXX in the last 2 years. I went through bankruptcy etc. But I was still addicted to the platform and kept putting money into it. 

Well after things came to a turning point, I requested a full ban because I did not trust myself to have access. They did alot to dissuade me and I have proof of this. They at first suggested no such ban was even possible and that the most they would do is basically nothing. 

After making a ton of noise about this, they finally agreed to ban me from the platform. 

This being said, I just got an email today suggesting I owe Robinhood {$1400.00}. 

A reasonable person would simply call the company or get in contact for a quick explanation on how that is possible. Unfortunately, Robinhood hides their contact information. Its not possible to find their phone number nor find their email contacts. 

They have an inner part that handles support chats. So I went to use this support chat as I had used it in the past. This particular issue is not something they allow me to chat about. Thus they are refusing to actually speak with me about how the money is owed, where this figure is coming from and why it just suddenly came up after I left the platform and requested my ban. 

This has caused me alot of emotional duress. I have lost work related deals, lost time at work and real money to the platform itself. There is really no solution that does enough here. But they can start by saying I dont owe them anything because I dont. 

I'm unsure what documentation would be needed here. I have screen shots all covering the broad spectrum of issues at play here.
Product: Debt collection

{$1500.00} Original creditor : XXXX XXXX XXXX EOS CCA XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting

I have recently have contacted via phone Equifax regarding my credit report. There is inaccurate information, like credit limits, missing payments, accounts that do n't belong to me, unauthorized inquires on my credit report. Equifax have told me that they were going to fix it but at this point they have not fixed anything, I have not even received a copy of my credit report in the mail and I still have the negative and inaccurate information on my credit report which I have checked online. I recently tried to finance a car and I was denied because Equifax has all these inaccurate information on my credit report.
Product: Debt collection

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They continuously harassed me via email and mail ( as described in 15 USC 1692d ). They have communicated with me more than once ( 15 USC 1692b ( 3 ) ). They have ruined my character and general reputation by reporting false information on my consumer report ( 15 USC 1692e ( 2 ) ( A ) ). They didn't disclose that they are attempting to collect a debt ( 15 USC 1692e ( 11 ) ).
Product: Debt collection

XXXX XXXX is trying to collect a debt of over {$5000.00}. The actual amount the judgement for the debt is $ XXXX.They are reporting a debt of {$5200.00}.
Product: Debt collection

Collection agency is trying to collect a debt that does not belong to me. Account was re added after having already been removed. Account was already removed from 2 other credit bureas years ago after they verified that the debt did not belong to me. Account appeared in XXXX of XXXX while I have not had a XXXX account since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : 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 XXXXXX/XX/XXXX