23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2019 an inquiry was reported to my consumer report and I didnt no authorize that inquiry. My private information was reported to equifax, XXXX and XXXX without my consent and that is a form of identity theft. Furthermore I called equifax and and they did not adhere to any of my complaints. I called XXXX and spoke to XXXX ID # XXXX and she told me she is a not a credit bureau specialist and doesnt know why I was never sent a 1099-C form for my alleged charge-off. I asked XXXX was her company a furnisher of information and she replied yes. So I asked her does she know 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and she told me no. I repeatedly asked why I never received a 1099-C form for this alleged debt and she had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, and 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: Debt collection

Mercantile Solutions has repeatedly called me for the past 2 months ( XX/XX/2022 to date ) every Friday trying to collect on a credit card debt from several yrs ago. When I did talk to them they required me to tell them my mailing address, last 4 of my social or the full account # on the card. I informed them that I did not feel comfortable telling them my address but I did give them the last 4 of my social. The gentleman indicated that was not enough and required the full address. I again stated I was not comfortable with that. He stated that he couldn't go any further with my call. I stated I was sorry to hear this but again I wasn't comfortable provided that information on with the call. I also explained to him that I had lost my job 2 weeks ago and that even if we could proceed with the call, I had no money to give them for the debt. He stated that they wanted to work with me but again needed my address. I stated I got his letter in the mail so with that verification, could he move forward with just the last 4 of my social and that? He stated he could not. 
I ended the call with apologizing to him and hung up.
Product: Debt collection

I previously submitted a complaint involving Discover Card. 
They are reporting on all 3 credit reporting agencies that I have a balance of {$6000.00}. 
At one time they were reporting that the balance was {$330000.00}. 

I received a letter from the attorney 's involved in the matter and they are saying that the amount that is due is {$3400.00}. I have contacted the attorneys concerning the matter. I have offered to pay only with the guarantee from them that this account be deleted from my credit report. Dispite several letters, I have had no response. 

Please see attached file which is the letter from XXXX XXXX XXXX. It clearly states that the balance due is {$3400.00} ... .not {$6000.00} as reported on the credit reports.
Product: Credit card

I have been receiving over the past few months, 7-8 calls per day from XXXX XXXX . I have asked them to abide by the laws and to not call me back to back between seven and eight times or more sometimes per day they do call early morning Sundays, as well as Saturdays, they call even though I have made a payment or made payment arrangements. They still will call this has become harassing at this point stressful at least also, they call from unknown numbers as well.
Product: Money transfer, virtual currency, or money service

I ordered something from Paypal. Bean bag chairs for me and my nieces to have a back to school movie night. I ordered this A LONG LONG TIME AGO. Like 3 months at least. 

I got a confirmation to my email, its attached, but I never got a shipping email. I never got an Order on the way. Nothing. 

I contacted Paypal digitally and over the phone several times. They insist I contact the merchant. The same merchant that removed their website, doesn't answer calls, and no longer answers emails in broken English. 

THIS SITE YOU ARE ALLOWING TO USE YOUR SERVICE IS COMMITTING FRAUD. 

If Paypal wont be held accountable by myself, let 's see what CFPB can do. 

I have never, ever, received anything from the XXXX dollars but a headache.
Product: Credit card or prepaid card

After many years of having an XXXX XXXX we were informed last XXXX that our account would now be with Barclays. I immediately informed XXXX that I did NOT want an account with this lender and they did NOT have my permission to transfer my account or my info to Barclays. Within a few days credit cards arrived demonstrating that they had done exactly what I told them not to. Somehow there were even charges on the card even though we shredded them the day they arrived and never used them. I have written to Barclays and XXXX and called both numerous times and to this day the {$25000.00} account remains open. I did receive a statement with a zero balance months ago but see through XXXX that the account remains open. I also disputed this through XXXX. I have literally been transfered from one country to another in an attempt to close this account. My most recent contact was a call to Barclays several weeks ago again asking that the card be closed and that I receive documentation stating such. I have not received any communication from them.
Product: Money transfer, virtual currency, or money service

Coinbase closed my account due to a violation of their terms of service. They did not indicate what the violation was. Immediately I lost access to my account and was directed to a page online to have my cryptocurrencies transferred to a different wallet. I followed the process but the funds were not transferred and are still held within Coinbase. I have called and emailed and re-attempted to transfer for days, with no response from customer service. I have no access to my funds and can not retrieve them from Coinbase. They are holding {$4000.00} that I had invested with their service and I have no access to my own money. I did not initiate the account closure and simply wish to withdraw my money, but can not get even a simple reply from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2014 XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, & Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, an auto loan account opened at XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

After writing in with multiple affidavits of truth and fact, providing claims that support my if any therefore said debt in connection with credit reporting agencies. I am the creditor and executor of my estate. I have no authorized my credit use. under Title 15 credit reporting is in fact " optional ''. I do not consent to having my information sold to third party creditors. 
Now will continue to arbitrate or seek litigation. 5 months of ignoring my request and proof of claim that. the debt does not exist.
Product: Credit reporting, credit repair services, 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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX5 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 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: Credit card or prepaid card

US Bank advertised a {$600.00} bonus, which I signed up for with the appropriate code and followed all steps to a T that were given to me by an employee of US Bank when I signed up. They denied this promotion 120+ days later when I filed my original complaint with cfpb. This is when they mailed me a letter with this information and provided that if I still disagree to mail in all documents in regards to the promotion. This was sent in over 3 weeks ago and I've had zero response from the company. Therefor I am attaching all documents here as well. The next step will be legal action. I am already planning on leaving US Bank as I am dissatisfied with the absolute disorganization of their company and their predatory tactics. I would like this {$600.00} promotion paid out to me ASAP or the next steps will commence. Below is the ORIGINAL COMPLAINT with cfpb. 
________________ I signed up for a US Bank XXXX XXXX Checking Account in XX/XX/2023 with an advertised {$500.00} Bonus for funding the account and maintaining a {$3000.00} Balance of " New Money '' ( AKA new money, new to this bank account ). I also qualified with the same code for a {$600.00} bonus for opening a payment processing account and making a sale of at least {$50.00} to be direct deposited into the same Business Checking Account. I worked hand in hand with an Agent and clarified all details to make sure all requirements were met and I was assured by my agent XXXX that all requirements were met. I was supposed to receive both of these bonuses within 45-60 days of the account being funded and the payment being processed. It is now beyond that time. I made business decisions factoring in these bonuses and I have left more funds in this account than I wanted to just to let this settle so I could get the bonuses. I would like this {$1100.00} credited to my account immediately. US Bank has not shown themselves as reliable so far because of this situation. I've called a few different occasions and it seems every department redirects me to another department supposedly responsible and nobody can give me a definitive answer what is going on and when this is hitting. I have saved receipts and saved correspondence of the entire process and would like this resolved as soon as possible. 
__________________
Product: Debt collection

Received notification from Transworld Systems Inc, Debt Collector on   XXXX   XXXX  , 2017. Called Debt collector on   XXXX   XXXX  , 2017 to find out more information regarding debt owed. I told them I would need to contact the insurance company regarding payment. Received insurance information on   XXXX   XXXX  , 2017 showing debt paid to creditor. Called debt collector on   XXXX   XXXX  , 2017 and gave them the information. Debt collect will not allow scanned email of insurance information but will allow fax or mail. Both can be unreliably when trying to prove they received the documentation.
Product: Student loan

I am writing to state how horrid the communication has been on student debt relief and how screwed over many of us are now. I graduated in 2005... I have stafford loans, the same ones my husband has who just graduated... BUT because of when I went to school - mine are apparently commercially held... something I was not even aware of until recently. When questioning studentaid.gov by phone on what I need to do- I was specifically told to hold off as XXXX XXXX XXXX is working with privately held XXXX loans on the one time loan forgiveness... well now XXXX XXXX XXXX states any loans not consolidated by XX/XX/XXXX WILL NOT be eligible. Even when I called XX/XX/XXXX- I was told- they are still looking into it but today everything states basically we are being exlcuded. The people who have been paying on loans for 15 years, never missed a payment ... literally {$25000.00} just in interest but because I graduated a few years earlier than some and XXXX took over the same loan type I have- I get nothing. I was given BAD information and now I am screwed out of {$10000.00} - and I am livid .... Something needs to be done about this as I am sure many are in my same boat and it is crazy that kids that havent even started paying towards their loans will get this help and those that have paid off huge chunks get nothing...
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, TRANSUNION : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX AND XXXX including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only XXXX has updated it. XXXX removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my XXXX XXXX and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX TransUnion has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several credit card accounts on my credit report that does not belong to me. 
XXXXXXXX XXXX Account Number XXXX... Date the Account was opened XX/XX/XXXX XXXX XXXX... Account Number XXXX... Dated the Account was opened XX/XX/XXXX XXXX XXXX ... Account Number XXXX... Date the Account was opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXXXXXX
Product: Mortgage

My mortgage company is reporting 13 late payments while the mortgage was in modification and the modification was approved.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Accounts Identity Theft Dear XXXX, I am writing to formally dispute two XXXX XXXXXXXX accounts on my credit report that I believe are the result of identity theft. The account numbers are : XXXX XXXX XXXXXXXX # XXXX ( Charged-off : {$490.00} ) XXXXXXXX XXXX XXXXXXXX # XXXX ( Charged-off : {$490.00} ) Both accounts were opened without my authorization in XXXX. I have contacted both XXXX XXXXXXXX and the credit agencies XXXX, and I filed a Fraudulent Account Statement to dispute these charges. 

The details of the accounts are as follows : First Account : Charged-off on XX/XX/XXXX Reported in good standing on XX/XX/XXXX Second Account : Charged-off on XX/XX/XXXX Reported in good standing on XX/XX/XXXX I discovered I was a victim of identity theft while preparing my taxes, which has made this situation even more distressing. I have since locked my accounts and found several unauthorized items on my credit report, including the aforementioned XXXX XXXX accounts. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), if you can not validate these debts, I request that you instruct all credit reporting agencies to delete these entries from my report. I have included a copy of my government-issued driver 's license, a utility bill, and the IRS Identity Theft Form to support my claim.

Thank you for your attention to this matter. I hope for a swift resolution so I can move forward with my life. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ
Product: Credit reporting or other personal consumer reports

I would love to think that a Company founded by a CEO whose own personal challenges with Credit, would make its money on the backs of people who are on their own credit restoration journey. It is disappointing that after having THREE separate accounts, ( all paid off ), would then report an inaccuracy to my credit report once you have satisfied your debt. He claims to have his company work towards a solution to fix the problem with Credit and credit scoring, yet this company is the reason why so many who believed in his solution are being set up to fail! Furthermore, the inability to communicate with the " Customer Service '' at Self Lender is the absolute reason why I am in the predicament that I am in. I am beside myself that a " late payment '' towards YOUR OWN MONEY can diminish all of your hard work. I am in the process of researching and obtaining an attorney to begin CLASS ACTION LITIGATION and INVESTIGATION in to Self Financial. Thier investors should be ashamed of themselves as should the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Debt collection

I have no knowledge of these accounts nor have I ever entered into any agreement with PRA ( Portfolio Recovery Associates ). Amounts of {$1300.00} & {$780.00}. I have lived at current address 5+ years and didnt not receive any paperwork. Accounts have a delinquency start date verified through third party XXXX of over 5+ years and have expired Iowa statue of limitations on legal collections. Making debt legally uncollectible. I am asking PRA to remove these alleged accounts from all credit reporting agencies and credit bureaus based on the above stated facts.
Product: Checking or savings account

In XXXX of 2024 Vectra Bank closed my accounts and removed all of my online access to my accounts, without cause. 
I understand this is within their rights to do so as part of the agreement ; that's not the complaint. 
I have since requested they send me my bank statements, no less than a dozen times now, and the continue to refuse to send or provide me my bank statements, and have not provided any reason for this.