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

I recently ran my credit when applying for a autoload and was told that I was not approved due to negative accounts on my credit. When closely examining my report I noticed several accounts that I have never been associated with and never gave permission to run my credit. Someone has done identity theft on me and now my whole credit rating is ruined. The accounts list as follows XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Us dept of vet affairs, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating that owed {$3000.00} to Pinnacle Credit Services , LLC and that the original owner is XXXX XXXX. I do not owed any money to XXXX XXXX or Pinnacle Credit Services. I wrote a letter to XXXX XXXX XXXX disputing this debt and requested proof that both the debt and the creditor are valid. This is a scam and I do not want this to affect my credit report.
Product: Debt collection

I purchase a item with my P.C Richard 's card. I stop using the card but kept paying my bill. When I decided to use my card again it was closed. The manager at P.C Richards explained if the card having been used in a certain amount of time it automatically closes. So he explained that I had to reopen my account and apply again. Which I did and was approved on XX/XX/2019 and my new bill will start on XX/XX/2019. After I purchased my new item I asked the manager about my bill on my old account. He told me that the bill from my old account will be transfer to my new account and my old card was no longer any good and continue paying my bill from the new account which I did. Recently two weekends ago I had received a email stating that I have not paid my bill since XX/XX/2019. I checked my account and it stated that I had no unpaid bill. I couldn't understand why they was saying to me I owed XXXX dollars. After asking multiple questions I figured out they was charging me for two separate accounts. It comes to find out P.C Richards never transfer the old account to the new account. I explained that I didn't know that all along I was still being charged from my old account separately. And that's the only reason why it's late. They are charging me for two separate accounts. I explain I don't have no problem straightening out my old bill but I shouldn't have to pay late fees for something that wasn't my fault. They insist I still had to pay the XXXX dollars even after they acknowledged they mistake that was made. And what bother me must is that it was sent to debt collection agency. Now my credit is tarnished for no reason at all cause I was paying my bill on time and was and still is in good standards with P.C Richards.
Product: Credit reporting or other personal consumer reports

I have given instructions to XXXX XXXX in the past to opt me out from Sharing my information unfortunately for some reason this information continues being Update it on my TransUnion consumer credit report this information is a fraudulent information that I have disputed with the CFPB in the past, XXXX XXXX has been sending me an Incomplete Promissory note without the Wet signature contract, so, I am writing to exercise my right to opt out of the sharing of my nonpublic personal information with nonaffiliated third parties. Please take note of the following instructions regarding this information sharing and sales policies. Under 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977, from requirements of 433.2 ( a ) Also. I'm asking for the Opt-Out Request I hereby request that XXXX XXXX do not disclose or reserve the right to disclose my nonpublic personal information to any nonaffiliated third-party Categories of Information Please identify all the categories of nonpublic personal information that you currently disclose or reserve the right to disclose, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of Regulation P. Additionally, specify all the categories of nonaffiliated third parties to which this information is disclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXXXXXX in XXXX. 
I ended up XXXX XXXX XXXXXXXX and fell in to a position to where I could not pay as I waited for my XXXX pay. It was repossessed due to my inability to work. 
This loan has been reported as closed for a few years now and every so often it is reporting as a new loan. The dates keep resetting and statute of limitations is XX/XX/XXXX. 
I would like this handled as it keeps ruining my credit reports after 3 times of repairing it. 
As a XXXX XXXX XXXXXXXX Veteran I am asking for relief for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

We bank with XXXX XXXX and two of our checks were fraudulently deposited at TD Bank. Each check was for {$18000.00}. TD Bank refuses to respond to XXXX XXXX requests for reimbursement for the claims. They have actively followed up and TD Bank continues to do nothing. According to XXXX, this is very typical behavior of TD Bank, they do not return fraudulent funds despite legitimate claims. 

Something needs to be done to stop TD Bank from keeping fraudulent funds. This has to be against the law, right?
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I am a victim of identity theft and this is also a request to remove information related to the alleged identity theft from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must delete all items within fouXXXX business days of receipt. Also, the information provided on some items is unknown to me and has been removed by other offices, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

Told made that my credit would never be the same until i pay something that i had no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries have been put on my credit reports, and are not In Accordance With the Fair Credit Reporting Act. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Incorrect Telephone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX. Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX. Incorrect Employment : XXXX I have no knowledge of these inquiries. Incorrect Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE, EQUIFAX MORTGAGE SERVICE. 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 an account without my written instructions. 15 U.S.C. 1681a-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 or other personal consumer reports

XXXX XXXX XXXX collections has furnished a deceptive account to my credit file XX/XX/XXXX. I called both places asking for the payments I made on XX/XX/XXXX when I closed the account out & neither can supply the payment. The payment was in the amount of {$1100.00} for all equipment listed on the account when it was closed. They insist that I have a balance of {$120.00} in collections for a cellspot device that was not on my account. I have attached copies of the receipts from XX/XX/XXXX showing I paid off all equipment that was listed on the account. This was paid in store. I called the store to confirm I made this payment there on that day & the store was able to pull up the receipt & confirm that I paid off all of the equipment & advised that there must be a problem on customer service end. I am very frustrated with this situation. XXXX customer service has no notes of the ongoing problems I was having with them since XXXX when I disconnected my phone line ending in XXXX. I was married at that time. I separated from my husband XX/XX/XXXX because of domestic XXXX ( including financial abuse ) I got a XXXX  order against him. He was listed on the account as an authorized user & had a mobile line on there ending in XXXX. He took out various lines of credit & claimed he didn't. Even after the restraining order he upgraded his phone. I tried getting XXXX  assistance in helping him take over the account because I hadn't had a device with them since XX/XX/XXXX. They advise me to keep him as an authorized user since that would be the only way he could take it over. He never would. I called customer service XXXX XXXX about this. They would XXXX him & he would say he was going to pay the late bills & take over the account. Whenever the time came, he did not. Raking continuous late payments in my name. Finally, in XXXX I got to a place financially where I could pay the account off, remove him as an authorized user, & close the account. I forgot to mention I had the service turned off prior & he called to have it turned back on. After this I went into the t-mobile store ( listed on the receipts ) a few times until I finally just said forget it. I'll just have to take a loss on this. I asked them to pull up every device on the account so that I could pay them off when I close the account. You will see by the timing of the payments that I paid the equipment after the past due bill was paid & account was closed. All balances became due that day on all of the equipment. I paid it then & there. I have not heard of this other device that t-mobile claims I didn't pay.This has been the most stressful experience with them. I want this deleted from my credit immediately! This whole situation has been very misleading from dragging me through keeping my abuser on the line as an authorized user to furnishing this deceptive file. I hope this can be resolved amicably. I would rather not pursue legal action.
Product: Vehicle loan or lease

I am writing to DISPUTE the balance of this loan. I am asking that i get the original signed contract to VALIDATE this loan is actually mine. I do not agree with the balance listed after repossession.
Product: Checking or savings account

I have been charged {$340.00}, called the bank but the agent said she is not authorized to see information where this money came from. Wells Fargo is charging my account for no reason.
Product: Credit reporting or other personal consumer reports

Hi, somebody stole my credit and did a whole Lot inquiries bought a car XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2011 with a balance of {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXXXXXX ( XXXX ) XXXX XX/XX/2016 I have tried to dispute this several times, this collection was removed off of the other credit bureau but is still with XXXX.I refuse to call this company because they continue to ask me for my personal information, without taking the account number. That's because they want to stick me with paying this. A debit validation letter was send, after the original credit charged it off. They have no right to collect from me. I need this deleted from my account. They have to show a legal right to collect. I need a sign contract and they can not provide this for me. They don't have the life of the account. They brought this debt, and in the State of California they are not able to collect, also is the company a real legal company. I have not agreed to pay this debit. I have disputed it.
Product: Credit card

I have contact this company First Digital Card several times attempting to gain access to the online portal. Initially I had access the first time it was set up. After the first login I was no longer able to access. When attempting to reset It would circle back stating that I already had an account set up. When calling multiple times the company is outsourced and no assistance was provided. When the card was initially received, the card would be declined in any store that I went in or gas station with full availability to the credit limit. The only way I have been able to use the card was via an online purchase typing the numbers in. There is no chip and when swiped the card was declined when available funds were present. I have asked the company to remove the fees as I have consistently attempted to get assistance with the portal. I was not receiving paper statements in the mail they declined. I have offered to pay the card off in full less the fees yet they still declined with no solution to the portal access.
Product: Credit card or prepaid card

I worked at Macys I received a pre-pay account where I would load money onto the card before making a purchase now I do not work at Macy 's and I 'm getting billed for the remaining of the balance on the card that I never paid off. it 's a balance less than {$100.00} and I 've been paying $ 10- {$20.00} a month to get it paid off for the last three months now I get about 10 phone calls a day after I already spoke with the supervisor and told her to stop calling me they call me numerous amount of times at work and they call me as early as XXXX XXXX in the morning. Not to forget as I mentioned above I have been paying some money per month. It 's getting ridiculous at this point
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts to be deleted : XXXX XXXX Credit Bureau Inquiries Inquiry Date : XX/XX/2021 XXXX XXXX XXXX  Credit Cards Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied credit because of XXXX. i called them to request report. they would not send it and told me to go to XXXX XXXX XXXX. i went to the site and they still would not send it.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter that has been of concern lately regarding the regularity of payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company keep calling me and disrespected me especially when i answered they also keep calling all my XXXX  everyday XXXX times a day and XXXX off the lafies even threatened to come to my home to collect the debt and also they had a thrid company involved and said they were taking me to court for fraud cuz they said i lied on my application about my resource of money the lady stated that i said i received child support and she said i lied when at the time i did received chils support and i even sent her a attorney general copy of all my payments from the attorney generals site. The ladies also gave out all my personal information to my references.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. 

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

Credit bureaus will start adding XXXX, XXXX and XXXX and XXXX. They all allow shoppers to buy now and pay later. These such purchases are not being reported to my credit reports but one. I did the loans with the purpose to give lenders a fuller vision of my financial commitments.This is an easy way for people like me to establish positive credit so that I can start getting my scores up and acquire better and more useful lines of credit. You have yet to report anything to my credit reporting companies other than one account.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach in attachments
Product: Debt collection

Multiple calls to my business and mailing to my residence from ARSI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, for a debt pertaining to a XXXX XXXX XXXX. He does not and never has worked or lived with me at this residence. I have a different middle initial. I have told the company multiple times it is not me. They have the wrong person. It was attached to my credit rating which I had to rectify with the respective credit reporting agencies. They continue to call, harass and mail me.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ( account name : GEORGIA STUDENT FINANC ; Account Number XXXX ) or ( account name : GEORGIA STUDENT FINANC ; Account Number : XXXX ). 

Please investigate and provide proof with statements showing that these payments were late and were not on time. If proof can't be provided I demand these payments be updated to on time as they should be as is Never late. 

Thank you.
Product: Money transfer, virtual currency, or money service

I accidentally sent money to the wrong recipient. I immediately reached out to Chase and they advised me to tell the recipient to reject the transaction. Which the person reached out to their bank and rejected the transaction. They provided paperwork that it was taken out of their account as advised. Chase has closed my claim within days of requesting the transaction yet the person I sent it to has shown me proof that the money was taken out of their account through XXXX XXXX XXXXXXXX. They provided me with a claim number and still my bank will not look into where that money was sent. It has been XXXX days and I am no closer to getting my money back then the day I sent it.
Product: Credit card or prepaid card

I have had Mastercard with Capital One for quit a while. A few months ago someone got my credit card number and used it on various purchases and when I found out about it I filed a complaint with Capital One and just today I received 2 letters from a employee XXXX stating the fraud issue had been solved and should show on my statement .. First of all she had no clue that my account had been closed because of the fraud issues.. I spoke to a supervisor and he too didnt know it had been closed.. I asked if I could have a new card because of the fraud had been settled. Everyone told me I needed to apply but I had already applied but because of the fraud my credit isnt good and they refused me with a new card.. But there isnt a person that I spoke to had no clue. Evidently they dont leave notes. I went on line to view my account and of course there wasnt anything there.. All I want is a new card and not one person will help me.
Product: Credit reporting or other personal consumer reports

My score on Equifax as not showing on my report. please update my info and delete my inaccurate info on my report
Product: Checking or savings account

XXXX withdrew {$450.00} from my Wells Fargo checking account on XX/XX/XXXX. On the same day, I disputed the charge and reported the fraud to Wells Fargo. However, on XX/XX/XXXX, Wells Fargo closed my claim, asserting that the transaction was no longer present. In reality, the transaction had shifted from pending to approved. Wells Fargo 's customer service merely suggested reinitiating the dispute process and waiting an additional 10 days for them to reexamine the same transaction that had been disputed just 5 days ago.
Product: Money transfer, virtual currency, or money service

Im following a complaint against Cash App block Inc. Due to unfair customer service. Practices. Which violated the consumer financial protection act Cash App did not go accordingly to resolve all of my complaints or my dispute leaving my account vulnerable and unprotected They also did not comply with the EFTA guidelines and regulation E