23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2023
Product: Debt collection

I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging accounts on my credit reports which are obsolete. I have contacted TransUnion and XXXX   in regards to disputing outdated information on my credit report. Well, TransUnion and XXXX is still reporting obsolete creditors and refuses to delete the re-aged accounts which is against the law. TransUnion and XXXX finally deleted some of the obsolete accounts but they left 16 accounts by this one creditor XXXX XXXX. This creditor has to be a collection agency stemming from the original creditors because all the outdated information that was deleted this creditor XXXX XXXX is now showing all the amounts from the deleted creditors. I had never heard of this org. I have requested numerous times for TransUnion and XXXX to request for this creditor to provide the original creditors information such as opening dates, payment history etc, this is of great importance as it will demonstrate that this creditor is re-aging the accounts to keep on my credit which is against the law. I am again asking for TransUnion and XXXX to delete the 16 accounts from XXXX XXXX. A collection account is considered a continuation of the original debt. '' It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with " updated '' activity dates, I will have to file a legal case against them. Its not fair for me to have to continuously go through this when this creditor is reporting false information. Its not fair for me to have to seek legal representation but I will have to because me filing disputes are not getting this issue resolved.
Product: Credit reporting or other personal consumer reports

A debt collection agency posted a collection on my credit report multiple times. I disputed the collection with XXXX stating that the collection was already on my credit before. The collection agency posted the collected in XXXX and XXXX.
Product: Credit reporting

I am protected by chapter XXXX bankruptcy laws from having any of my creditors reporting me as delinquent and the balance due should reflect the court order. in the case of cenlar financial that balance due should be XXXX and no late payments. the same goes for fnb omaha. These XXXX creditors note that it 's a chapter XXXX wage earner plan but show that I am late and in arrears from 2013 when my bankruptcy was confirmed.My information is reported accurately by XXXX but inaccurately by Equifax and XXXX. I have tried to discuss this with them but am getting nowhere. I am trying to do an fha streamline to help my situation and this inaccurate information is a detriment to my credit and is preventing me from moving on.I believe that they are in contempt of the fair credit reporting act because i have made all my bankruptcy payments to my trustee on time and have not missed any.
Product: Prepaid card

I have been unable to transfer funds from my XXXX account to an external account due to a reported system outage that I was informed has persisted for over a week. While I have personally experienced this issue for a shorter period, XXXX has offered no resolution to restore external transfer functionality. Instead, I was directed to withdraw funds using an ATM. Initially, this would have required me to incur a fee, but after escalating my concerns, a supervisor identified a fee-free ATM as a workaround. This does not address the core issue of restricted access to my funds via the normal account functionality. 

On XX/XX/year>, I spoke with XXXX XXXX and requested to escalate my concerns to their legal department. During this conversation, the supervisor submitted an internal complaint on my behalf, inaccurately stating that I intended to sue the companya statement I never made. I explicitly requested that the inaccurate complaint be rescinded, but the supervisor refused. 

This situation has caused me undue stress and concern about potential retaliation. I believe the companys failure to provide normal access to my funds, coupled with its refusal to correct an inaccurate internal report, raises serious concerns about compliance with federal consumer protection laws and the professionalism of its customer service practices. 
Key Issues : 1 ) Prolonged system outage restricting my access to funds through normal account functionality.

2 ) Lack of transparency and accountability in accurately representing my statements and addressing my concerns.

3 ) Potential noncompliance with federal regulations requiring reasonable access to customer funds.
Product: Debt collection

XXXX, XXXX, XXXX is reporting XXXX XXXX is fraudulently reporting different reports on all 3 of my Consumer Reports this is Identity Theft and fraud. 
There are different dates and amounts across all 3 reports this is unlawful XXXX and violates my XXXX Rights. This is illegal all XXXX reports must be ACCURATE or be XXXX. 
Delete these accounts immediately and update my XXXX XXXX today. XXXX XXXX
Product: Credit card or prepaid card

I subscribed to a service called Klarna. They issued me a XXXX card to use to make a purchase on XXXX. The purchase amount and date were {$240.00} on XX/XX/2022. The last 4 digits of the XXXX Card are XXXX. 

I received defective merchandise. XXXX and the seller would not refund my money. 

I called Klarna to initiate a XXXX  chargeback as can be done with any XXXX  labeled card. 

Klarna refused to do a chargeback. Here is what they said : Our apologies for delayed reply. My name is XXXX and Im a Resolutions Specialist here at Klarna. Were contacting you regarding your order XXXX with XXXX. 

As per the screenshot provided by you, it shows that the store has denied to issue you any refund of this order even they are not willing to accept the return of this order due to their policies. Being a payment processor we are unable to overrule the terms and conditions or policies of any merchant. Please be advised to contact the store if there is any option available for you with them. Therefore, we have already closed this dispute. You don't have any outstanding balance left to pay on this order. 

Klarna issued a XXXX  card and claims they can not overrule the terms and conditions or policies of any merchant. This is not true. Any bank or credit card company that issues a XXXX  card has the ability to charge back a purchase from any merchant. 

Klarna is issuing XXXX cards and not giving customers the ability to dispute charges. 

Please look into this matter so that Klarna can be investigated.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates XXXX of XXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX, this should not be late send proof now. 

Also, please pass this along. 
15 USC 1681s-2 ( F )
Product: Debt collection

I voluntarily gave back my care after a horrible divorce in XX/XX/XXXX. I lost my house I was battling my son 's XXXX which he later passed in XX/XX/XXXX. Ford Credit filed judgement in XX/XX/XXXX they served me at my work place. I have not had one letter or call until last week my credit union XXXX called and advised they garnished my account. My bank told me tbat tbey sent notice to my address which was XXXX XXXX., XXXX pa. I have never lived there in my life. Attorney XXXX XXXX of XXXX PA is the debt attorney and a I spoked to him and he will not budge he wants my entire XXXX plus payment arrangements for the remainder of the XXXX he says I owe. The car was a XXXX focus hatchback. Can you help me to get my life 's savings back k
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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: Debt collection

I sent dispute letter to Americollect to dispute the collection on my credit report.. I request proof of debt.. I also sent FTC, XXXX REPORT AND POLICE REPORT STATING THAT IT FRAUDULEN INFORMATION THEY ARE REPORTING ON MY BEHALF. Americollect did not respond to the letter. I am sending XXXX REPORT AND POLICE REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute letter dated XXXX, XXXX, XXXX after discovering that they BROKE THE LAW! What Experian is reporting on my credit report is inaccurate. My confidence in Experian 's process has been undermined because Experian claims the account meets the Fair Credit Reporting Act but that can not be true when the account is still inaccurate. Experian sent results to me without properly investigating the information XXXX XXXX XXXX is reporting for account number XXXX. Experian updated the account instead of removing it after I informed them that the information they were reporting was inaccurate. The account still remains inaccurate for several reasons, such as this account repotting a late payment but a collection account CAN NOT report a late payment. Also, the term is listed as a XXXX  month term but I never entered into any terms with XXXX XXXX and there are no documents bearing my signature to prove this. The balance on this account is inaccurate and the date opened is also inaccurate. With all these errors still reporting there is no way Experian properly investigated this information. Furthermore, Experian did not provide me with any original documents from the Original Credit to prove the validity of this information. It is obvious Experian did not read my letter because they did not address anything I outlined in my dispute letter. I explained in my dispute letter and provided highlighted attachments from the U.S. Code to prove how Experian broke the following laws : 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1681 ( a ) ( 4 ) U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) 15 U.S. Code 1681 ( a ) ( 3 ) Experian is also reporting incorrect addresses, phone number and versions of my name in their database. Attached to this complaint is my letter to Experian, the U.S. Code attachments of laws Experian broke and a copy of the results Experian sent me.
Product: Vehicle loan or lease

I chose to purchase my new vehicle through XXXX because they advertise that the temporary DL provided by XXXX XXXXXXXX to me on XX/XX/year> is sufficient documentation for the delivery of the chosen vehicle their website. On XX/XX/XXXX I proceeded with a {$13000.00} ( XXXX XXXX dollars ) down payment and purchased full coverage for the vehicle which XXXX also required of me through its advertised conditions proof of insurance before the reception of my vehicle. 
First : XXXX failed to open my provided pdf.file by XXXX AM containing my two most recent pay stubs which I had provided by deadline, as well as me providing my signature for XXXX contracts. Now I have to choose my new delivery date to their soonest available appointment which is on a work day and on XX/XX/XXXX when I originally chose the XXXX. 
The XXXX comes having no contact from XXXX during the 8 days I am waiting. I have an appointment now for XXXX AM to XXXX AM. Day of delivery the delivery driver calls stating the car is beautiful and will arrive by XXXX am. Five minutes later I received a call from another XXXX employee telling me the opposite as they had advertised and I will not receive my invested vehicle .... 
Now my vehicle is back on-line for purchase when they are holing my {$13000.00} and re-selling the {$35000.00} vehicle I rightfully purchased through their terms.
Product: Credit card

A combination of XXXX  and XXXX has caused a hardship for my family, my income has been greatly reduced and we can no longer afford the payment. I asked for assistance, at first they asked me to pay XXXXXXXX XXXX XXXX XXXX times the minimum and called it a " program to assist me ''. After several calls I spoke with a " senior account manager '' who offered to waive late payment fees for the next few months. When I asked for " real hardship assistance '' they declined. I explained that I may be facing bankruptcy if we can't find a better solution, offered to sell my vehicle to pay a reduced settlement, they declined. I asked if they could possibly just write it off, they said that the account would have to be XXXX or more days past due and in default before we could discuss a write-off. I asked to speak to someone with more authority to make this type of decision and was told that there was no one with more authority and no other department. I really hope someone reads this who can help us, CapitalOne has been almost no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Product: Money transfer, virtual currency, or money service

Bogus wire transfer through Wise money exchange charged to my wife 's XXXX XXXX debit card. We do not have an account with Wise and you can only get customer service if you have an account. We cancelled the debit card and had it reissued, but there is still the charge that has to be resolved through complaint process ewith XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 Bank of America transferred funds in the amount of {$28000.00} from my bank accounts with XXXX XXXX XXXX XXXX XXXX. This amount was in error and I immediately call both Bank of America and XXXX XXXX. I made a request to return the whole amount. I was told by both Bank of America and XXXX XXXX that it should take 2-5 days. When I called Bank of America on XX/XX/XXXX, asking why the funds were not transferred, they said they have a policy that wont allow them to transfer a large amount of money without internal protocol. I was told it could take until XX/XX/XXXX to make the transfer. I called Bank of America on XX/XX/XXXX and was told they have until XXXX to make the transfer. On XX/XX/XXXX the transfer was not made.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Transunion via phone on XX/XX/2023 after I had issues filing online via laptop and mobile device. The representative told me to send in my documentation by mail since I did a phone dispute. I received a letter dated XX/XX/2023 ( Two days after I filed the dispute ) that stated the debt was valid. They had not received my documents yet. So I called Transunion to inquire and found out that once they received my documents they reopened my dispute and again did not change anything and stated the debt was valid. I contacted Transunion after my dispute came back as validated for the second time and no change to my credit report was made. I sent them a copy of the results from my dispute with XXXX as well as the exact same documentation I sent to XXXX. After speaking with a representative on XX/XX/2023 I requested a supervisor contact me so I could get more information regarding the dispute results. The supervisor from Transunion contacted me the morning of XXXX XXXX. When I requested to know how they came to the conclusion that I am responsible for the amount shown on this debt, she proceeded to tell me that they contacted the collection agency electronically and that they responded with " it is accurate ''. I then asked was there any proof of any kind to show that the amount was accurate and she is either refusing to provide what was sent or there was nothing sent except for a statement. When I pushed to know how this works for the consumer when I have requested information from the debt collection agency and they refuse to send it to me she stated that they contacted them electronically and the debt is valid and repeated this several times. At no point was there any information given to me that speaks to a true investigation on Transunion 's part. Again I sent Transunion the exact same letter and information I sent to XXXX but got a different result. I believe that Transunion did not truly reopen the investigation once my documentation was received. I do not believe they contacted XXXX XXXX XXXX once the my documents arrived. A 2 day turnaround doesn't seem like an investigation to me.
Product: Credit card or prepaid card

On about end of  XXXX    XXXX  , I applied for a Best Buy Store Credit Card after researching about the benefits and rewards that is advertised on their web site. I did this after I went through researching the unclear advertising of the credit card, when I contacted an online representative to check how it works and also showed up in a store branch to re-check and confirm the credit card service and its benefits. The representative at the store confirme d that 1 ) I can finance 2 ) and receive the % 10 ad vertised rewards for th e 1st purch ase using that card. She also applied for me when I was there. At the same time after she applied, she used the card information with my approval to make a purchase of about {$3000.00} of computer items in the store.     I did not receive the  % 10 rew ards after a while when I showed up again in the store and someone told me I have to wait more as it may take up to 3 months for the rewards to be available on my account. On  X/XX/2017    when I escalated the case to Best Buy customer service, I was told that I have lost my %  10  rewards because of opting for financing.   Customer care stated the store representative who had applied for the credit card and made th e 1st  purchase for me on  XXXX  had failed to either apply for a %  XXXX  coupon or did not have appropriate training to know about how this promotion works. Either case, I made my decision to apply for the credit card for the benefits that was advertised which was also finally confirmed by the store represantative and I 'm disappointed about false information or unclear advertisement of this credit card service. I would have never applied for opening a credit card only for financing, and I could make this purchase for a much better price from another store if it was n't because of the 10 % rewards that is advertised on BestBuy.com web site.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with XXXX XXXX XXXX XXXX. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within XXXX business days of receipt of my request. It has been over XXXX  days since my initial request, and you are in violation of this law. 
This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy XXXX XXXX XXXX XXXX XXXX, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. 
Please delete the following items from my credit report immediately Addresses Collections XXXX Inquiries Employers These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft new inquiry XXXX mortgage XXXX XXXX XXXX