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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX/XXXX, has violated my rights. 

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
Product: Credit card

I have and XXXX XXXX Barclays credit card. in XXXX I was contacted and asked about a charge made in XXXX XXXX ( I live in XXXX  and was not in XXXX XXXX  ) told them it was fraud. The card was canceled and the charge removed. XXXX received a letter it was my charge {$490.00} was placed back on my account. I called the fraud department multiple times. they said I needed to prove I wasn't in XXXX XXXX  on the day the charge was made. I asked to speak to a manager. Two days later a manager called said investigation was not proper. my address was changed and a card was sent to XXXX XXXX  Told me charge would be credited 24 to 48 hours.. That was middle of last week. Charge still shows. I called today to be told they had no record of manager talking to me and the only way a charge would be credited is if a new investigation shows it was fraud. In the meantime I owe the money. At that point I was very frustrated I asked to speak to a manager again and hung up ... ending up no further along than before.
Product: Credit reporting or other personal consumer reports

A while back I signed up for an online Experian account for credit monitoring purposes. However, after some time, my account was stolen by an unauthorized person. Passwords and usernames were changed, while this user had access to my account. This has been resolved, but because reaching a person for this matter was so difficult, I had also requested to have this account deleted and the ability to sign in to this account online to be removed. 

However, I had come to find that the only thing that was cancelled was by monitoring subscription. I now have a " basic membership. '' I have called multiple times to get the entire account, membership and any online access to be deleted/removed. Each time they have told me they will submit a request, or that I must mail a request. I have mailed a letter to them with no results as well. 

I am submitting this complaint due to the lack of response, and also no ability of my own, over the phone or online, to delete my online account or any basic membership.
Product: Debt collection

After I did not take their calls about a debt in collection Assets Recovery Solutions sent the following misleading text message on XX/XX/2023 at XXXXXXXX XXXX Central Time to try to get me to respond : Dear Beneficiaries of XXXX XXXX XXXX ( Late ), We have important information regarding unclaimed property associated with the estate. 

Property # : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Description : Mature CD or Save Cert To claim the property, please contact XXXX XXXX XXXX XXXX. 

For assistance with assets recovery, you can also reach out to XXXX XXXX XXXX ( Director ) at XXXX or visit XXXX 

Thank you. 

XXXX XXXX Assets Recovery Solutions XXXX XXXX XXXX XXXX, New York XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company in inserting inaccurate information into my credit report. I do not owe them. I am requesting proof showing what do I owe the company for.
Product: Debt collection

Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report this account as open and derogatory. They were listed and included on the creditor matrix at the time of filing which was XXXX XXXX, XXXX.
Product: Debt collection

There is a company called Miramed Revenue Group that is reporting XXXX accounts on my credit file. It appears many duplicates. I have never been contacted by this company nor provided any verification. I have disputed with not even a response. Please help on my credit it states {$270.00} {$280.00} {$120.00} {$120.00} {$390.00} {$120.00} {$190.00} {$120.00} {$120.00} {$120.00} {$280.00} {$370.00} {$190.00} {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account number XXXX This home equity line was opened in XX/XX/XXXXand was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX Account # ending XXXX XXXX XXXX XXXX Credit Limit {$8500.00} Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Daily High Balance {$9900.00} My charge card credit limit is {$8500.00} ; but I do not agree my Daily High Balance was ever {$9900.00}. 

I am certain I have never charged over my credit limit ; and if I had, XXXX would have notified me.
Product: Checking or savings account

XXXX a month taken from my account. Changed debit card. Did not help. So closed account to stop the theft. Then got a {$350.00} bill. I should not have a bill over theft issue.
Product: Student loan

Nelnet lns wants over {$700.00} in monthly payment which are impossible for me. I tried to get the rate down but to no avail. They also have XXXX loan accounts open and my Credit score went from XXXX to XXXX in one day because they made all accounts delinquent at same time. This is ridiculous for struggling graduates and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX XXXX : ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Also, Ive had my old Cash App accounts get deleted with money in my account and when I reached out, they never sent me my money back and were not helpful.

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

I applied and received a Citi Bank Credit Card in XX/XX/2021. When I received the card, the envelope was completely ripped open and I immediately notified Citi Bank and was informed it was an identify theft risk and that a new card would be sent out. I did not receive the new card for over 3 weeks and activated it on XXXX. The initial promotional offer ( which is why I wanted this card ) was for XXXX " thank you '' points after spending XXXX in the first 3 months. Well, Citi decided to 1. start the clock when they sent the 1st card which wasn't used and the offer expired on XXXX even though the promotional offer should be from card activation on XXXX ( which would extend to XXXX ). 2. I received an annual fee bill of {XXXX} on XXXX which is before I even received the replacement card!!! I spent 2 hours on the phone with a variety of people, including the first associate who informed me I needed to send a letter to a XXXX XXXX XXXX XXXX XXXX, SD which was certified by the XXXX XXXX. It is not right they did not honor the promotional value of the card, and sent the replacement card so slowly. It is incredibly bad professionalism. They finally ( after 2 hours on the phone ) agreed to credit the {XXXX} annual fee since I opted to close my card. Pending to receive a refund.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ACT ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I've been a Paypal user for about 20 years for my all natural health and fitness store. In XXXX of 2022 Paypal froze my account. I immediately called them and was told that it was permanently frozen due to " Illegal narcotics '' sales, I was shocked to hear this because I have never sold anything illegal in my life! I asked to speak to someone immediately to rectify Paypal 's error to which I was told they would not give me anyone else to talk to ... their decision was final! I asked to see proof of the " Illegal '' sales and they could not show me their so-called " evidence ''. After much arguing and failed requests to at least be able to " face these false accusations '' I resigned myself to accepting the closure because the Paypal representative told me that I would be able to receive my {$15000.00} balance after a 180 day waiting period, and I was given the date of XX/XX/2022 as the date to when my funds would be transferred to my bank account. I waited the 6 months, and then 2 days prior to this XX/XX/XXXX date I looked into my account to find that on XX/XX/XXXX, Paypal payed my entire balance of {$15000.00} to themsleves. I did not authorize any payment, and I did not understand what was going on, so I called Paypal. They told me it was absorbed as " damages '' for " breach of the XXXX  ''. I argued again that I did not breach their TOS and again asked them to produce evidence of these " illegal sales '' and " damages '' they caused to Paypal... again, they failed to provide me with any proof whatsoever! I asked to speak to a supervisor. I wound up talking someone calling themselves " XXXX '' who apparently was just pretending to be a supervisor. She said she would start a " resolution '' with Paypal concerning my case and she would get to my complaint resolution with Paypal concerning my case, and she would get back to me next day at XXXX XXXX she never did. I called in again. I was told " no such person working there ''. This is underhanded thievery! I want Paypal to give me my money ( {$15000.00} ) They are using their carefully crafted legal jargon an XXXX  to steal from people! 

Desired Settlement : Refund
Product: Debt collection

I received letter from Jason A Craig Associates stating they are collecting for City of XXXX XXXX. I did not receive any correspondence, letter or phone call from XXXX XXXX XXXX XXXX regarding this. After contacting Jason Craig, I found out the collection was from the XXXX XXXX XXXX XXXX utility department. 
I contacted XXXX XXXX and tried to find out what it was for. I did not have any utilities with the city on any more in 2017. I met with the city billing department and cold not verify the amount owed, since I had final billing statement showing XXXX balance past due. 

I talked to XXXX XXXX XXXX XXXX Clerk by phone about a week after, and discovered there had been a small payment made on computer that was rejected by their automated payment system. I was never billed for this unpaid amount. I paid the amount in question about {$41.00}. I was assued by XXXX XXXX XXXX this would be clarified and I would not have to take any further action including the credit reporting and the Jason A. Craig Associates correspondence. 

To date the balance still shows on my credit report a negative past due unpaid balance and copy is attached.
Product: Mortgage

I lost my job I couldn't find XXXX soon I fell behind on payments I want help for the debt at the moment they transfer me to the end of the payments to continue paying my regular payments that I had been making
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report saying I have a XXXX  XXXX  showing up a as XXXX   inspection violations.Showing up I owe landlord that have been paid off. A lot of incorrect information on my report that rental company pulled.
Product: Credit reporting or other personal consumer reports

1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. 
US 15 USC 6802 US 1692 XXXX had a data breach and my information was leaked. 

XXXX XXXX XXXX XXXX XXXX NEEDS TO BE REMOVED FROM XXXX AND TRANSUNION UPDATED ON XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to transunion and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I have reached out to USAA to see if my amount on the credit card that was opened up with out my consent has been resolved. They told me that it has not and that the only way it would be resolved is if there is a police report on the fraud. However, USAA states that they have a XXXX liability for service remember experiencing fraudulent transactions. The entire card and what is owed is not m doing. Someone stole my identity and I am not responsible for paying back the amount owed.
Product: Vehicle loan or lease

In XX/XX/XXXX I moved from XXXX to XXXX. Within one month of the move, I registered my car ( XXXX XXXX ) in XXXX  and paid the XXXX  state excise tax for my XXXX XXXX. In XX/XX/XXXX I received a property tax bill from Kia Motor Finance ( KMF ) for {$240.00} which they had paid to the state of XXXX. I faxed a letter to KMF Property Tax Dept. proving that I had moved and registered the car in XXXX. I have a receipt proving that the fax went through to the correct number. 

In XX/XX/XXXX, I received the same notice that I still owed ( this time {$220.00} ) to KMF for the property tax levied in XXXX. This time I mailed all the documents to the KMF Tax Department in XXXX XXXX, CA, proving that I did not owe this amount. I sent the package registered mail via USPS. I have a tracking receipt showing that the package was delivered to the correct PO Box . I have never heard anything from KMF and the tax charge remains on my monthly statement. I refuse to pay it but I do not want this to damage my credit rating, which is excellent. 

In XX/XX/XXXX I receive a notice from KMF that I still owe {$220.00} in property tax. I call customer service and am told that there is no record attached to my account to prove that they ever received the documents and abatement requests I sent twice. They tell me to send the request again and give me the same fax numbers and the same PO Box address I have already used without success. I ask for a number to call their Tax Department and discuss this issue. I am told that the Tax Department is not reachable by phone only by fax or mail. 

I am filing this complaint because I feel as if there is no way to get KMF to respond to my requests for abatement. They will not even acknowledge that they have received my requests. Please help me to sort this out!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XXXX XX/XX/2018 XX/XX/XXXX. 2018
Product: Credit card

On XX/XX/XXXX, I scheduled a procedure and paid in full. On XX/XX/XXXX, The XXXX center informed they could not perform my procedure for medical issues ( XXXX XXXX ), and to request a refund in the portal/ I spoke with them advising them that they may have misread my results, but I would request refund, per their instruction. On XX/XX/XXXX ( immediately in their system ), they denied my request, although they informed me to request the refund. I contacted Discover informing them of the incident requesting to reverse the charge as services were not rendered. Discovered denied my request indicating the procedure was cancelled within 30 days, which was false. My procedure was shceduled on XX/XX/XXXX, I requested the refund on XX/XX/XXXX per their request. In good faith, I tried working with the company and rescheduled the procedure for XX/XX/XXXX. On XX/XX/XXXX I called to verify I was clear for XXXX before I flew to FL and was told yes, all prerequisites were met. On XX/XX/XXXX, I arrived in Florida on XX/XX/XXXX, did the pre-op visit on XX/XX/XXXX and arrived on XX/XX/XXXX for the procedure. On XX/XX/XXXX, I was told that no surgeon could/would perform my procedure due to XXXX XXXX found in XXXX  ( XXXX  issues ), and to again request a refund, which I did while I was in their office. On XX/XX/XXXX, they again denied my refund immediatley in their portal. Note : This is after I paid for flights, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was laughed at by the staff who told me no way I was getting my money back, although they could not medically perform the procedure. They told me that Discover was on their side although I followed all their procedure. I called multiple times and kept getting hung up on ( calls recorded, emails sent and text messages available as proof of all attempts ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/2018 around XXXX XXXX CST, I signed up for " TransUnion '' to try and check my credit score. However, I had absolutely no clue that they would instantly charge me {$19.00} upon putting in my bank details. I had no idea I was going to be charged this money, and it was not clear whatsoever that I would be charged upon simply just signing up. I managed to cancel my subscription ( that I also had no clue it would be subscription based either ). I have attempted to call their help line several times at different times of the day and they never answer my call or put me on hold and never come back!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 while checking my report I corrected my personal inforamtion with documents like my state ID, and a proof of evidence this information was ignored and re-investigated and updated to no no change at all. The exact same items on credit report and after the re-investigation these accounts remain the same. The companies say they updated after re-investigation but the same inaccuracies remain. There were no re-investigation nor investigation from the start.