23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A fake company sent me checks worth $ XXXX, this money should have been to purchase computer systems for my new at home job position. The checks were deposited in my USAA bank account and cleared right away. The money was used to pay a fake vendor for the products that should have been delivered to my address the following morning. In conclusion, 5 days later USAA send me the return checks, take {$5000.00} of my hard-earned money and said that is the way the bank works and they cant do anything. You should have read the regulations about transactions. I would have never sent that money if USAA wouldnt have cleared the money and made me believe that money was in my account just to turn around and take it away. YES, I got scammed by a someone using the name of real company that sent a check from a real bank that was not real, but I was totally mislead by USAA and their procedures when they clear the check and then take my money when it got returned. That money should have NEVER shown in my account until the transaction was confirmed. Now, USAA dont see this as a real issue but scammer is using this unloyalty and unethical practice to continue ripping people off and nobody seems to care or thinking about doing anything to prevent these scams. USAA LIED TO ME AS MUCH AS THOSE SCAMERS DID. I hope someone reads this and do something about it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing this letter to request removal of closed / charge off accounts and unauthorized credit inquires on my Transunion credit report. My latest credit report shows several credit inquires that I did not authorize 15 USC 1681B Permissible Purpose Of Consumer Reports. I have made a complaint to the CFPB about this matter as well as procedure to resolve. 

I am writing to dispute the following miscellaneous inquires / closed accounts and requesting their immediate removal from my Transunion XXXX XXXX XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to a car dealership and they sent up multiple hard inquiries that I did not consent to. I only wanted one inquiry.
Product: Credit reporting or other personal consumer reports

Pulled my credit report & I see there is some inaccurate information on there
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. 
XXXX XXXX XXXX is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. XXXX XXXX XXXX, however, only reports with their reference number XXXX. Because of this error, XXXX   reports the item as Open and active in collections. XXXX   reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I have been trying to refinance my mortgage and this issue being displayed incorrectly is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point where theres no other option.
Product: Credit reporting

Inquiries on my Equifax credit report were removed and re-added without any type of notification. I do not understand why this happened because this is a FCRA violation. I tried calling in, but did not get anywhere because the call volume was too high and I had to go back to work. I would really appreciate someone reaching out to me or just resolving this matter behind the scenes by removing these inquiries off of my credit report. I would really appreciate it. Thanks.
Product: Credit reporting or other personal consumer reports

I submitted this request that the credit Bureaus will reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, they have failed to respond to my request and send any results about the disputed accounts. 
XXXX XXXX XXXX : {$2700.00}, XXXX XXXX XXXX : {$2600.00}
Product: Debt collection

Respected Sir/Madam, I have built my strong credit over 10 years in the XXXX. I visited for my left eye dust XXXX on XX/XX/2021 as my first visit at XXXX XXXX XXXX XXXX. She did XXXX after complete verification from my insurance dept. 

After the XXXX my eye had XXXX XXXX for a week. She asked me to visit for exactly 10 days again for a routine checkup. I did my second visit XX/XX/2021 to the doctor. She analyzed my eye and used some tool to remove the XXXX XXXX. It was just a visit. She didn't inform my insurance or me that she will claim {$3300.00} as XXXX again for the same eye repeatedly. 

My insurance company denied that claim by saying they can't pay for the same XXXX twice in XXXX interval. Which is right! 

XXXX XXXX XXXX collection team back and forth asking me to pay the complete bill. I told many times about the whole satiation, showing the proof of necessary procedures. Told it was a visit not XXXX. Nobody agreed. Later, they just hung up on my call and never came to any final number. I offered {$400.00} many times from my pocket to resolve the case. Still XXXX XXXX XXXX didn't agree. 

After a month, I have started getting bills from XXXX XXXX  XXXX XXXX. I showed all the proofs, discussed the whole topic, and offered {$400.00} to close the matter. But XXXX XXXX XXXX is not ready to lower the bill which i and insurance don't owe technically. 

Suddenly, yesterday I received an email from XXXX XXXX that they reported to the Credit bureau without any warning.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I noticed I had fraudulent activity on my account that I didnt know about because of that I will like to have a fair resolution about my situation
Product: Checking or savings account

After I complained about XXXX the next day I received a call from XXXX who lied and said the bank was out of mo why because of me and told me things that were discriminatory in nature. I had XXXX report her to manager. 

Government orders First National to pay more than {$35.00} XXXX - remember this? 
First National Bank of Omaha will pay more than {$35.00} XXXX in restitution and fines for deceptive marketing practices and illegal billing of add-on products. 

The bank, the largest in Nebraska with {$18.00} XXXX in assets, agreed to consent orders levied by the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, which were made public Thursday. 

The bank will pay a {$3.00} XXXX civil penalty to the OCC, a {$4.00} XXXX civil penalty to the CFPB and nearly {$27.00} XXXX in restitution to roughly 257,000 customers. 
Or this CFPB Orders First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I did place an order for the XXXX XXXX for {$74.00} with XXXX I never got XXXX XXXX product from them. Instead charge appear from XXXX I did contacted CITI Card several time and provide all requested paperwork. CITI Card refuse to protect and ststed that can not mandate that the merchant issue a credit. See order confirmation for {$74.00} from XXXX and link to the product XXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, attached is the product information in XXXX 

Thanks, XXXX.
Product: Credit reporting or other personal consumer reports

I want to remove the hard inquiries from my credit report since they were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX OF XXXX XXXX accounts not related to me disputes was sent 3 times but problem is not resolved
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the accuracy of information reported on my credit file with XXXX. I have diligently attempted to rectify discrepancies in the reporting through various channels, including multiple submissions to the Consumer Financial Protection Bureau ( CFPB ). However, despite my efforts, the inaccuracies persist, causing substantial harm to my financial standing and opportunities. The accounts in question are XXXX XXXX XXXX and XXXX XXXX XXXX I wish to emphasize the gravity of my situation and the adverse effects your inaccurate reporting has had on my life, particularly in the areas of housing and credit applications. Despite my persistent attempts to address and correct these issues, XXXX and Equifax, in collaboration with XXXX XXXX, has consistently verified inaccurate information through the CFPB dispute process. 

I have noted discrepancies in the reporting across different credit reports, specifically in the " Date of Last Activity, '' " Date Reported, '' " Closed Date, '' and " Last Payment '' fields. The varying information on my XXXX and Equifax credit reports raises serious questions about the accuracy and reliability of XXXX 's investigation process. I believe that such inconsistencies directly violate the principles of fair and accurate credit reporting. 

I am seeking an immediate removal of the inaccuracies from my credit report based on the violations outlined in this notice. The persistence of these inaccuracies has not only caused financial injury but has also resulted in repeated denials for housing and credit opportunities. 

I appreciate your prompt attention to this matter and expect a timely and thorough investigation into the inaccuracies reported on my credit file. Please consider this notice as a formal demand for corrective action, and I trust that XXXX will take the necessary steps to rectify this situation promptly. 

I filed cases with the CFPB regarding this on XXXX to both XXXX and Equifax and both parties verified the items in question although they are clearly reporting inaccurately according to FRCA law. 

Thank you for your cooperation in resolving this matter. I look forward to a timely resolution. 

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

On XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/19 they tried to withdraw XXXX by using a check they wrote themselves. They do not have a signature. I never sign anything without using a signature and no there threatening me.
Product: Debt collection

I AM FILING THIS COMPLAINT against CONSUMER COLLECTIONS MN # XXXX I have never received any notification of an account in their office this is a violation of FDCPA as well as FCRA. There is an issue of 15 U.S. Code 1692e - False or misleading representations that still need to be addressed as well. The above-mentioned account has never been verified or validated. The account was filed and is in violation of the XXXX XXXX-compliant standards.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the furnishing of my credit report by XXXX, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I assert that you have violated my rights under the FCRA by REMOVING a Collection that's shouldn't have been reporting Under 15 U.S.C. 1681b, credit reporting agencies are prohibited from providing consumer reports unless there is a permissible purpose as outlined in the statute. Additionally, failure to ensure the accuracy and integrity of furnished data violates 15 U.S.C. 1681e ( b ). These violations have caused me XXXX  and inconvenience, as well as potential harm to my creditworthiness.
Product: Credit card

I would like to be credited in full, of all the fraudcharges including, the charges for products andservices, they claimed they offered that I 'm notsure what they are. I did not apply for creditwith this company, or with any one that maybe associated with as a victim of fraud. 
I feel like I 'm being scammed agained. 
for these reason I do n't use credit card norapply for credit.i do n't feel safe.
Product: Debt collection

AMEX called my ex-husband who was removed from all accounts in XXXX upon our divorce. They also called his sister requesting that she get ahold of me and him to discuss this debt. I have not spoken to them about this issue as they are no longer part of my immediate family and are not emergency contacts.
Product: Debt collection

Did a dispute with JPMCB AUTO FINANCE about the collection being reported to my creditors and that it was false. It shows as a charge off/cancellation of debt therefore it should not be on my credit report being that that is in violation of the federal reporting act since I never received a 1099c and they basically already have been paid. All they did was change payment dates around which I never said anything about dates. They are also reporting different amounts to creditors.
Product: Credit reporting or other personal consumer reports

Ive been disputing this account and is still reporting inaccurate information on my consumer report, please remove this account from all credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several inaccuracies. The XXXX credit bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting account as unverified information without providing any proof within the legally mandated timeframe. The following account must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX XXXX : {$230000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

XXXX XXXX XXXX is showing 3 late payments on report. There are no late payments on this account
Product: Bank account or service

I had an ACH automatic payment that appeared on my account on Monday XXXX/XXXX/2016 in the amount of {$450.00}. When I checked my account that transaction had NOT posted to my account and was pending. I went to the bank and made a CASH deposit to cover the check. Both would have posted during the nightly update. I talked to two different employees and recorded two different answers. The supervisor I spoke with was XXXX XXXX who would not give her ID number. As you can see by the attached picture I have a {$0.00} balance which included the {$450.00} deposit. This is with ALL pending items.
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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD XXXX, XXXX BANK 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 an 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

Calls and hangs up when my employers answers, left threatening voice mail messages, when employer answers phone will ask for a person that does not work there, calls repeatedly throughout the workday. Repeated phone calls disrupts business operations and prevents legitimate customers from being able to reach Employer. Overall unwarranted and unsolicited and excessive harassment. Have been told to stop calling and will not stop calling the workplace.
Product: Debt collection

This all starts out with XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States earlier this year, XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX the debt was sold to NCB Management Services. In any normal situation, this wouldn't be a problem. But because of the terms of the Predatory Lending Settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. '' Now, I contacted NCB Management Services by mail to dispute the collection and included a copy of the CFPB complaint against XXXX, as well as, a copy of the Multi State Class Action Settlement against XXXX and explained why they should cease all collection efforts and delete my file because this collection violates the terms of the Settlement. The letter was mailed XX/XX/XXXX. 

I also spoke with someone from NCB Management Services over the phone a few days after the letter was mailed and informed them of the letter as well. XXXX themselves also instructed NCB Management Services to cease all collection efforts after they received my complaint from CFPB. 

I received a notification on XX/XX/XXXX that NCB Management Services has reported a collection of {$12000.00} to the credit agencies!! 

Now, for me to dispute this collection and XXXX instructing them to cease all collection efforts and activities, then to still within a couple of weeks report this account to the credit agencies is a total violation of everything I mentioned in this complaint. To ignore my dispute and XXXX XXXX request is outright wrong!! Not to mention, this account should have never been sold to NCB Management Services in the first place!!
Product: Debt collection

I've had this account since XX/XX/XXXX and have tried resolving it with several companies, the last is named IC System Inc. It's regarding XXXX demanding payment of an early termination fee in the amount of {$130.00}. I have asked that I be provided documentation of a two year agreement with XXXX, and as a result only received a copy of my last bill. Upon receipt of a " Collection Notice '' dated XX/XX/XXXX from ICS, I placed a call and spoke with XXXX XXXX about resolving the matter and my paying the amount owed {$180.00} ( minus the early termination fee ). On XX/XX/XXXX, I mailed check # XXXX with an attached letter stating my paying the balance " in full '' and would close my account. ICS returned the check stating XXXX refusal to accept the amount submitted. My account was then submitted to the credit bureau 's. I've disputed this debt with XXXX on two occasions because ICS nor XXXX has been able to provide any documentation indicating a two year agreement between XXXX and I. After receiving XXXX   's first letter ( XXXX XXXX ) stating, " the information you disputed has been verified as accurate '', I assumed they had recovered some form of agreement from XXXX, so I responded by letter asking them to provide me a copy their supporting document ( s ) which assisted in their decision. Again, I provided XXXX with a letter and supporting documents of all correspondence from all parties since this account began in XX/XX/XXXX : XXXX, ICS, XXXX XXXX and XXXX. The results from my request from XXXX  was the same result, ruling in favor of ICS while not providing me any supporting documentation from their investigation. With all my attempts to resolve this matter, I think XXXX and XXXX has not offered proper due diligence in their investigation and is casually concluding their results.
Product: Debt collection

Zenco collections called me early this month and threatened me saying that I had committed tax fraud and the irs was going to take me to court and also saying I was being charged with intentional defraudment. This guy had my full ssn, dob, address, my new husbands father 's address and my account balance from my last payday to the penny. I of course got scared and made the mistake of giving info. I then had to change bank accounts when I discovered this was some type of scamy or flat lie. My mother is a retired supervisor adutior for the  XXXX  and my husband is a legal assistant. So I talked them and did research. Then spoke with my bank and closed account. Now they are calling threatening me with more legal action. I have it recorded as I have a call recorder on my phone. The guy would n't even tell me what the loan was for and says he has video and audio of my ex husbands and I getting the loan. The ex-husband involved and I divorced 10 years ago! They have n't contacted him but are threatening me. I saw on here they have done this  XXXX  other times.