23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> at XXXXXXXX XXXX XXXX XXXX XXXX IST. I accessed the XXXX website to purchase 2 tickets for a show in XXXXXXXX XXXX. When I can time for me to fund my 2 tickets, I attempted to use the XXXX feature because I felt it was safer due to the foot print buying digital abroad. In moments, I received a response, " OOPS, the XXXX feature was working select a different method of payment. That is when I used my Bank of America debit card with more than a sufficient balance to cover the {$320.00} purchase. 

After entering my debit card information and selecting purchase. I received a text from BOA on my cell phone. Alerting me that my debit has been used to purchase {$320.00}. Was it me. I responded yes, I made the purchase. I went back to the XXXX website to look for the approval and start travel arrangements, however the transaction was declined. 

I contact BOA, customer service on XX/XX/year>, around XXXXXXXX XXXX, and spoke to XXXX in AR. 

I asked XXXX to help me understand why I received a response in my BOA app saying my purchase for {$320.00} was approved and later declined. I made the purchase from my home computer, on a secure website where I had to be verified, and from my IP address from my internet provider. XXXX explained that the initial transaction was approved and then my account was blocked due to the XXXX activity. I explained that they were two separate transactions and my purchase should have gone through with no issues. I have more than enough funds and verified via text that I the one placing the transaction. 

XXXX offered that if I used my debit now, it would be good. I explained that I was in a queue and the time frame I had to complete my transaction was limited to 4 minutes. After BOA declined my transaction my opportunity was gone for the seats I selected. 

XXXX apologized, however did not offer to do any thing about the error they caused. Except she was adding the information to her notes.
Product: Credit card

I've always made sure that payments on this account are made on time, never letting them become overdue. I'm not sure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

MyaccountwassupposedtobeataXXXXdollarpaymentuntilXX/XX/2019Anditwasreported90dayspastdueinXX/XX/2019Ihavecontactedthiscompanyover20timesandIhavereachedouttoalllevelsofsuperioritywiththecompanyandtheynorthecreditbureauswillupdatemycreditfilecorrectly
Product: Credit reporting or other personal consumer reports

This is a Request per Title 15 USC 1681i Request for description of Procedures used to Determine Accuracy and Completteness of information verified that I disputed XX/XX/2023 via CFPB Complaint database # XXXX and they were verified XX/XX/2023. 

Please provide evidence of your reasonable procedures that you used to come to such conclusion that this information is verified. 

Who did you talk to? 
When did you talk to them? 

Please give me the names of individuals that you spoke with. 
Please provide their addresses and telephone numbers in accord with FCRA Title 15 1681i Description of Reinvestigstion Procedure ( 6 ) ( B ) ( iii ).

I disputed regarding my Privacy Rights being violated under 15 US Code 6802 The Gramm Leach Billey Actt ( GLBA ) which states a federally protected consumer like myself should be given clear and conspicuous disclosure regarding NOTICE that I have a right to Opt Out or Opt In to credit reporting before my non public personal information is disseminated to non affiliated third parties.

Additionally, the LAW also states I have to give PERMISSION before my non public personal information is transported to consumer reporting agencies etc.

I gave no one at anytime PERMISSION!!

Please provide your procedure leading up to these accounts being verified These companies are financial institutions as defined under Section 1843 ( k ) of title 12. 

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: Debt collection

I received a letter of a parent loan owed that I NEVER took out in XXXX of XXXX   from a company called XXXX. I called them and told them that I never took out parent loan. This loan was over thirty years ago. I knew nothing about this loan until I received a letter from XXXX after my chapter XXXX was discharged in XXXX of XXXX. At that time I contacted my XXXX XXXX pre-pay legal service for assistance. They helped me prepare letters and requested a copy of the promissory note. XXXX sent me forms that I had to have notorized stating I would fully cooperate with the investigation. The forms were returned to XXXX on more than one occasion because they kept saying they did not receive them. 

Now they have turned collections over to a company called Performant who stated that have none of the information I send to XXXX. I sent a certified letter to Perfomant once again, We still do not have a promissory note or any proof of debt and XXXX are saying they are taking my social Security check for a debt that I do not owe. When me and my legal shield attorney called Performant, they said they have a promissory note but it is not legible. 
I have done everything they have asked for yet they are taking my social security check starting in XXXX XXXX.They are violating the Fair debt collection practices act. And taking my ssi will put a tremendous strain on my household. Please help!
Product: Debt collection

National Credit System is debt collection agency ; I received a call in XX/XX/XXXX from National Credit System stating I owed a debt. I immediately asked the representative on the phone call to verify my social security number, the representative said " no '' and hung up the phone. A few weeks to a month later I received an alert through my credit monitoring system that a company was searching for my social security number on the world wide web. I never heard anything else from National Credit system again until XXXX. They never called nor attempted to send correspondence in the mail regarding the debt they originally called me about in XXXX of XXXX. Two months later National credit system violated my consumer rights by placing a debt on my consumer profile without validation or Permissible purposes under 15 U.S code 1681b and no consent or validation is considered identity theft. I XXXX XXXX have sent letters requesting debt validation since XXXX, National Credit system failed to reply and proceeded to report to other credit bureaus agencies. Recently, I received the very first correspondence ever from National Credit system stating I the consumer has failed to validate the debt doesn't belong to me and attached misleading documents to the letter, stating I have a judgment against me and they represent the original creditor. The judgement doesn't equal the sum of the payment they're requesting and further more it was included in my bankruptcy file. National Credit system have violated so many of rights as a consumer, they are ruining my reputation by placing inaccurate information on my credit report and they need to be stop.
Product: Checking or savings account

I took advantage of capital ones sign on bonus for their XXXX checking account of {$350.00} add fulfilled their requirements less than two months. 
When I tried to create the checking account through their app which I already had installed, as I have already have XXXX of their credit cards. In going through the steps to Create the account ( nowhere was I given an opportunity to fill in the box with the special code I was given before signing up. I kept going through screen after screen, hoping the app would allow me to enter the special bonus code. When I got to the submit, I was still thinking the bonus code would be on the next page and it wasnt. Nowhere in the promo did it say I would have to go through the web browser to get an opportunity to fill in the code. By applying for the checking account through the app, I was set up for failure without knowing it. After fulfilling the requirements, I started making phone calls and asked Where is my bonus money??? several agents told me they would manually take care of it, and I would get my money, but Ive been waiting for almost a month and Ive gotten nothing posted in my account. Basically, it is a scam that I felt into a trap that they knew or should have known would never be attainable through the app.
Product: Debt collection

This number belonging to MSCB keeps robo-calling my do-not-call registered cellphone asking for someone else, when I respond " 2 '' that I am not that person a recording plays telling me to call another number to be removed. This is not the first time I've gone through this mess and inevitably they keep calling for someone else 's debt and try to put the burden of stopping their harassment on me.

It's unfair they can harass someone with robocalls and require someone to have spend more of their to call this company back to fix their error. I don't have a debt with you, so you have no right to contact me to the point of harassment in pursuit of that debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$440.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Navient that shows several periods of overdue payments. This is negatively affecting my credit score. It is also incorrect, as the overdue payments were retroactively cured by forbearance. I sent the attached email to Navient. An employee named XXXX XXXX spoke to me on the phone, and stated that Navient is not allowed to change a report once it has been made, even if it is no longer correct. Her position is wrong under the law and under the advisory opinion I cited in the email.
Product: Money transfer, virtual currency, or money service

I had recieved XXXX dollars from another bussiness to my skrill account which is fully verified and has no limits. i tried sending that money immediately my account was restricted they asked for me to provide id which i did and was verified succesfully. they then ask me 3 questions about what i use their service for etc. mind you i have used their service but maybe 2 times i answer these questions and its been about 24 hours and they wont respond my money just sits there
Product: Credit reporting

My apartment mistakenly filed an eviction in the court against me, when i brought it to their notice, they told me to disregard it which i did. But after two months, i saw it on my credit report.However, i have called the court and my apartment, and they all agreed that it was a mistake because i was not owing my apartment that period. 
Please i need to this record out of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has ripped me off for years. First I have HARD INQUIREY from XXXX XXXX XXXX XXXX. This qas XX/XX/2021. I have done everything to show them this is their fault or computers fault. I don't know about fraud because how could they get past credit freeze which has been on report for years. What ever issue they transferred everything to XXXX and they actually are taught to do everything to say your wrong. How is our credit ruled by XXXX personel. This is there mistake and after paying them thousands to help with credit they have done nothing but be unproffessional.How could a hard inquirey go through with credit freeze and they don't follow FCRA sections like to sw every thing they did to show how they investigated. This isfeaud by the 3 biggest credit agencies because I have same prob l m with a company on each bureaus.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts. Please investigate these accounts that are erroneously reported in my file : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an account to monitor my credit and was surprised to see a collection on my credit profile that was updated to paid when it was to be deleted with payment. When this balance was addressed I was informed it would be removed from my credit with payment. With further research, I find that I should have been allowed a statutory period in which to dispute the validity of this debt since it was not my debt to pay. Due to the fact that I was not provided the option to validate the debt and the fact that I was advised it would be deleted from the credit bureaus with payment, I would like this collection removed from my credit due to erroneous, mdeceptive collection practices. 
Thank you XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Driver license, proof of address and social security both fax and through the mail services that was last year in XXXX and my birthday has yet to be get update though equifax. My birthday is XX/XX/XXXX. Equifax has it shown as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not fix incorrect birthdate on credit report.
Product: Credit reporting or other personal consumer reports

I retain a copy of my credit report from my free annual credit report and I seen an account on it that wasnt mine I was in the process of buying a home for me and my family its causing me great stress because I cant obtain a home for me and my family
Product: Mortgage

I called XXXX XXXX Partners to apply for a loan as I did with several other Lenders. Trying to find the best rates I had applied with at least 5 lenders. Each lender had me sign something to give them permission to pull my credit report. Crux had me sign something also and I thought they were going to pull credit as well. A couple of days later they called me and asked me to provide my credit report to them through Experion, which I did even though I wondered why they didn't pull it themselves as had the others. I then found out I had been approved through XXXX XXXX XXXX XXXX with a good rate and decided to use them. When XXXX called again I told them I had decided to use XXXX XXXX XXXX XXXX. He then began to pressure me to give him the lenders information and other information regarding the loan I had procured. I was not comfortable with that I didn't tell him, but said he could give me his best and final offer. He then texted later and asked again for my lenders information, I again said that they were competitors and I was not comfortable sharing that information. He said he wanted to call them I told him not to. He apparently did his own research and found my lenders name and number and called her. He proceeded to tell her that he was working with me and that now we would all be working together. She was surprised and didn't give him any information about the loan that he asked her for. He continued to try and reach out to me for the next two days and since I was busy, I responded via text telling him once again I was choosing to go with XXXX XXXX XXXX XXXX, as he could not beat their rates and I thanked him and asked him why he had called her after I asked him not to. He then responded on text and lied saying his partner had called but she had his name..so I knew it was him. He also took credit for getting me the rate with XXXX XXXX XXXX XXXX. He then had his company send her an invoice with the copy of the paper I had signed asking her to send it to title so they could be paid at closing in the amount of {$11000.00} for a consulting fee and application fee. They did not find me a loan and I had no intention of hiring them. I feel they tricked me into signing this paper and now are trying to get me to pay them for nothing. XXXX XXXX and his partner XXXX were the people I was dealing with. I have the texts on my phone if needed
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has yet to removed the XXXX XXXX account from my credit file. Im not sure why this account is this in my credit file. Documents were sent over and also Transunion were provided a copy of the companys response as well as XXXX and XXXX ( XXXX and XXXX removed the account immediately ) XXXX XXXX has no right to report this account they dont have ownership of this account as provided to all credit bureaus via Consumer financial protection bureau . Please remove this account immediately if not Transunion will be liable for punitive damages
Product: Money transfer, virtual currency, or money service

Credit Karma was shown as an option to deposit my tax return on XXXX XXXX. At no time was it made clear that the funds deposited would have limits and huge service fees to access them. I've spent hours on the phone with them to find a resolution but they are not willing to change the limits available. 

I now have over {$10000.00} dollars that I can only access at {$1000.00} dollars a day with a monthly limit of {$5000.00} and each {$1000.00} dollar transaction is assessed a {$17.00} service fee. 

This company is a SCAM. Both XXXX XXXX and Credit Karma are profiting off of customers via misleading and incomplete information.
Product: Credit card or prepaid card

Synchrony Bank set myself and my significant other as " primary co-borrowers '', however I can not access the account as they say it is listed with his name first. I can not set up online access to the account, or billpay for electronic payment. they have already told me they reuse to change it unless I return the items I purchased and refinance them. 
They also have said it does not matter that when the account was created my significant other and myself both requested I be listed as primary. 
To make matters worse, this leaves me with only the option to wait for statements in the mail, of which they have informed me that the statement would be GENERATED on XX/XX/XXXX and would be DUE XX/XX/XXXX. and they can not guarantee mail delivery, and I should sign up for electronic delivery. I can not sign up for Electronic delivery because I am not recognized on the account since I am not listed first.
Product: Student loan

I have student loans where about XXXX dollars in the XX/XX/XXXX and payed on them, my husband applied for these loans. We payed on them and them in XX/XX/XXXX my husband died and i was unable to make payments have had several forberances and now my loans is XXXX dollars there is no way i will ever be able to pay this loan off. I made several attempt to pay something on them and they based it on income which was still way to large a payment for me to make with only XXXX income. The would not accept any payment unless it was the entire amount. My loans started with XXXX XXXX and where sold to Navient. I have had to do forberance and interest and fees and mounted up to very larger charges. Please let me know if there is something I can do. Am I a candiate for the current lawsuit that is now going on. I am now on forberance because I am only working part time.These loans are for my daughters college education.
Product: Debt collection

CFPB Complaint about Midland Credit Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX Complaint about : Midland Credit Management I am filing a complaint because : Midland Credit Management has placed a debt on my credit report that I believe is inaccurate. 
I was not given the opportunit to dispute this information before it was placed on my report. 
I did not receive a five-day notice before the debt was reported. 
Additionally : I request proof of proper notification, including a certifid receipt with my signature. 
I believe Midland Credit Management has violated my rights under the Fair Credit Reporting Act ( FCRA ). 
Furthermore : I would like to know if Midland Credit Management is licensed and bonded in the state of Louisiana. 
Request : I requset that Midland Credit Management investigate this matter and remove the inaccurate informatio from my credit report. 
Please respond to this complaint within 15 days. My silence regarding your response will be considered my acceptance of your position on the matter. 

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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I requested this company Resurgent to provide documentation about the debt they are trying to collect from me. I talk to a customer service rep over the phone twice and she said that they do n't have the documentation right now, that I would have to wait for them to get it, I sent out two emails one on XXXX/XXXX/2016 and again on XXXX/XXXX/2016 asking them to send me verification and documentation of this debt and I have not had any response from the email. I also sent a certified letter requesting this information and I received my return receipt on XXXX/XXXX/2016, but to this day I have not received any verification or documentation as of yet.