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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS

STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

Capstone collections working for XXXX XXXX I moved out 1  month early due to loss  of employment I gave XXXX from XXXX XXXX my forwarding address where I could be contacted I left the house in move in ready condition and forfeited my deposit. XXXX never contacted me over a year later Capstone reporting on my credit for 5k plus. I called XXXX XXXX asked for documentation they can not provide it to me I called Capstone with documentation of charges they can not provide to me. I never received certified mail stating charges that needed to be paid I moved out XX/XX/XXXX lease was up XX/XX/XXXX had been a great tenent for almost 2years
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase replied back on Complaint # XXXX and stated " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. 
Keep track of the original complaint numberXXXX you can track its status and receive the company response on your Consumer Portal or by calling us. '' Attached is Chase 's reply on complaint # XXXX. Complaint # XXXX is not the same issue as stated " Per Consumer Financial Protect Bureau Section XXXX, Requirements for over-the-limit transactions for Chase ending in XXXX ; permission was never requested from Chase nor given to allow for the over-the-limit-fraudulent transactions. ''
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please REMOVE them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letter was sent and electronically confirmed received by XXXX on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX, requesting copies of documents on file proving the debt had been validated, for example signed and dated contracts, itemized billing statements copies, and anything else that was in my credit file. 

As of today, XX/XX/XXXX, I have not received the requested information. 

They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation. 
XXXX and Transunion proof of certified request received is also attached. 

Please note that as of today, XX/XX/XXXX, I have not received the requested information. I spoke to XXXX different people at Transunion, XXXX XXXX, XXXX XXXX, XXXX Special Handling Rep.and XXXX XXXX, Senior Supervisor. They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation as a consumer.
Product: Credit card or prepaid card

The comenityXXXX  site ( to access my BJs Perks Mastercard ) has been down for about a week. The message on the page says : Important notice : due to a scheduled system update, our website can only accept same-day payments at this time. We appreciate your patience and apologize for any inconvenience. 

There is no additional information, most notably no expected return date. There was also no advanced warning or notice, and customer service is unable to provide any information. Im quite concerned that there is something beyond a simple scheduled system update perhaps a crash, or worse, a data breach or hack. 

Any competent business performing a scheduled system update would provide an outage window and advance warning. Consumers deserve better.
Product: Debt collection

NOTE : In the column 'Which of these best describes your issue? ", The 'legal action ' choice selected does n't apply here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX I contacted this company on XXXX XXXX 2015 to request that they cease deducting monthly payments from a friend XXXX 's checking account. They sent a letter reflecting such. Well, they processed a payment on her account XX/XX/XXXX despite my request ... plus they cashed the check I sent them for {$100.00}. Resulting in an overpayment. They 've made up all sorts of excuses, some of which I have documented as to why they have n't refunded me even though they clearly acknowledge that they owe the money. Even contacted the XXXX. 

Numerous calls have been made to them over the period of 90 days and each time I call, I get a different reason as to why the check was n't mailed out. Even went as far as trying to meet them in person to pick it up ... got the excuse that the check had to be signed off first ... after sitting on XXXX 's desk for two week prior to that. The information on XXXX 's desk not being processed yet part was the previous excuse made. Spoke with a XXXX XXXX ( XXXX? ) both times on that. 

In a nutshell, this company collected more than what was owed on the account and pocketed the check I sent them.
Product: Credit reporting or other personal consumer reports

I have around XXXX in student loans. XXXX was my student loan servicer prior to XX/XX/XXXX. I enrolled in PSLF and my loans were moved over to XXXX in XX/XX/XXXX. For 11 months now, Experian has reported on my credit report that I have twice the amount of student loans as I actually have, over XXXX, because they show the total amount of my student loans reported by XXXX, and also the total amount of my student loans reported by XXXX. I filed a dispute with Experian in XXXX, XXXX about the XXXX reporting of the loans. Experian closed the dispute after contacting XXXX, but no changes were made, and Experian still reports me as having more than XXXX in student loans. I contacted XXXX, who told me that I owed them XXXX dollars and that my account was closed and that I needed to reach out to XXXX to resolve the doubled reporting of the student loans on my credit report. I reached out to XXXX in XXXX, who told me that they would update my credit report. As of today, my credit report shows that XXXX updated Experian with my student loan balance of around XXXX as of XX/XX/XXXX, but my student loans are still being reported by both XXXX and XXXX on my credit report, totaling just over XXXX. 


At this point, I do not know if XXXX or XXXX is the entity that needs to update their reporting.
Product: Debt collection

Company sent email communications to family memebers in reference to my being served by Midland Credit Managment. Their service agent also freaked out my tenant sitting in their driveway at night.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TDbank of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  credit report XX/XX/2018. A formal dispute of this inquiry was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has not replied to that dispute with the outcome of their investigation. A reply is required under the FCRA and the data of that inquiry is to be removed once it is known to be fraudulent related activity.
Product: Checking or savings account

I had a lot of fraudulent transactions happened on my card while I was traveling, I had no notification from td bank about any of the transactions and the card in question was never even delivered to me because I wasnt even here. I never used the card and they gave me a provisional credit but then returned it and now my account is in a negative balance. I never did any of these transaction and td bank is making my life a living XXXX. Please help
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.

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. 

I request the CFPB to investigate these issues and hold Cash App accountable for their failure to comply with federal regulations. I also seek reimbursement for the financial losses I have incurred due to their negligence and violations of consumer protection laws.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

I discovered I was a victim of identity theft when a Unpaid Collections account appeared on my credit report on XX/XX/year>. The collections account is through XXXX XXXX XXXX XXXX XXXX XXXX XXXX never confirmed the debt was legitimate nor confirmed the identity of the person imitating me. The apartment complex ( XXXX XXXX XXXX in XXXXXXXX XXXX ) that rented the apartment to the person imitating me never ran a background check or a credit check. My credit is locked at all times and they would have received an error if they tried to run my credit. My background check would show I own a home and do not live nor work in XXXX. They claim their policy is to run credit and background checks. They are either lying about their policies or they failed to comply with their own policies.
Product: Payday loan, title loan, or personal loan

Requesting money stash to cease and desist and only send correspondence by mail. Cease and desist all request including ACH withdrawals from my checking account. Cease and desist all email communication as well. Failure to provide clear and understandable terms which were hidden on the full term of interest was not properly disclosed to me. Therefore, I am filing this complaint with the CFPB to have a written record of this cease and desist request.
Product: Credit reporting or other personal consumer reports

i have no idea what this account is. this a fraudulent account. i have no knowledge of this account. and I've heard of this company. i am a XXXX XXXX  and I've been scammed
Product: Credit reporting or other personal consumer reports

One Main Financial located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has placed an inquiry on my XXXX credit file dated XX/XX/2023. I have never given One Main Financial permission to do so. I do not have a contract with One Main Financial. 

OTHER FACTS : I live in XXXX XXXX XXXX, I would never apply to an in-branch loan company so far away in XXXX XXXX when there are local branches here. This is affecting my credit score. 

I disputed this inquiry with XXXX on XX/XX/2023 and they returned the results the same day ( Confirmation # XXXX ). It appears no re-investigation was done.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Accounts : 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened credit card with XXXX XXXX on XX/XX/XXXX. I made purchase for {$34.00}. I made payment through XXXX XXXX using my checking account. I had enough money in my bank account at this time. XXXX XXXX did not send the money to XXXX XXXX, It was the fault of XXXX XXXX not me. 

XXXX XXXX added late fees with no right, Does the law at CA allow to add late fees with all these amount with no rules? I requested to close my account with XXXX XXXX and removed any errors on my credit report. It hurted me without doing anything. On XX/XX/XXXX, I contacted with customer service at phone, the representative was very rude and aggressive, he did not help me at all. 

On XX/XX/XXXX, I called XXXX XXXX, I talked with XXXX, her employee no was XXXX. I explained that I made my payment for credit card on XX/XX/XXXX, XXXX XXXX didnt send the money. It was not my fault, it was the fault of XXXX XXXX. XXXX XXXX added many late fees with no right, I couldnt financially pay it plus it was not my fault. 

On the same day, I made payment for {$51.00}. XXXX promised to move all late fee, I closed the bank account. 
The XXXX XXXX sent errors about missing payments, would you please remove it? 
I asked XXXX to remove the errors from my credit report, she told me that she did not know, I wonder how they reported me by mistake and did not how to fix it. Please help me to remove it from credit report. 

I CLOSED the account, they still reported me that they own me {$5.00} to hurt my credit
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX  XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. CAPITAL ONE XXXX and CAPITAL ONE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally writing this letter of complaint to you in regards to Equifax Credit Bureau. Equifax violated FCRA rules and consistently failed to delete unverifiable inaccurate, adverse, and erroneous accounts that has been posted on my credit report. Beginning XX/XX/2018, I have sent over three ( 3 )  certified requests for Equifax to send me verifiable information which to include a contract verifying that they have the proof that the account is indeed mines. The accounts that I have asked for proof are as follows : XXXX acct # XXXX amount {$2000.00}, XXXX XXXX acct # XXXX amount {$200.00}, XXXX 's Acct # XXXX amount {$730.00}, XXXX XXXX Acct XXXX XXXX amount {$730.00}. Under the laws of the FDCPA, I have contacted the companies myself and have been unable to get them to verify that the debt is indeed mines. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), Equifax is required by law to verify through physical verification of the original signed consumer contract and any and all accounts they post on a consumer credit report. I have requested documentation via Certified for since the beginning of XX/XX/2018. I have yet to receive a any documentation from Equifax. Due to the negligence of Equifax failing to honor my request, it has caused me emotional distress and extensive grief because I am not able to obtain the credit. Also, I advised Equifax that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. In the failure to show proof of an original contract bearing my signature, I formally request Equifax immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security Number. I am a litigious consumer who tends to litigate if this request is not honored. I have proof of certified documentation with postage that will be used in my litigious request I have solely address this complaint to CFPB concerning Equifax. Thank you for time and look forward to this negative impact to be resolved.
Product: Debt collection

On XX/XX/2020 I received a phone call and a letter from XXXX XXXX XXXX that an Account had been turned over to them to collect. The amount was XXXX and they gave me an account and reference number, neither of which gave me any information about where the debt originated. I had to get a credit check from one of the credit bureau 's to find out who the account was with. I never received a bill or notification until the collection agency. I sill could not get any other information except the bank that issued the PayPal credit card. It was listed as written off with the credit bureau. The account was opened and the maximum amount of XXXX was immediately charged and of course no payment was ever made. I have no idea where or how my personal information was obtained to open this account. I don't know why I never received any notification or bill if they had my information. I am thinking the collection agency just searched the name and came up with an address and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my o ver 20th time  in trying to clear this up. Equifax has me held hostage. They claim they have fixed this problem f or over two years, and I still ca n't access my credit file. I 've attached two documents. 1 from   XXXX   XXXX    where I was denied credit since I could NOT lift my security freeze a nd 2 a nother le tter ( same one sent over a year ago ) telling me  everything is fixed. It is not. When I attempt to lift the freeze, following the prompts, entered my SS # and # 's of my address response : we are unable to match the records.     An attorney is my next step. Class action lawsuit? I can not access my file to lift the security freeze and have NOT been able to do so  for over two years now. When will this be fixed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 




XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my XXXX card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX - XXXX