23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/year> I contacted XXXX XXXX who is the listed representative of CBE companies. CBE companies is listed as a collector on behalf of the U.S. Department of Treasury for a wage garnishment placed against me. On XX/XX/XXXX I made a XXXX-time payment of {$2100.00} which was my full remaining balance. XXXX confirmed the transaction and stated she would fax a release letter to my HR department so no additional garnishments would take place. On XX/XX/XXXX I checked my paycheck and saw that the garnishment was taken. I called my HR department to verify whether they had received the release letter. They stated they had not received it. I called XXXX at CBE Companies back that day to let her know that my company had not received the letter. I confirmed with her the fax number listed in the original letter sent by my HR department. She stated she would send it again that day. I waited until XX/XX/XXXX to check again. I called my HR department again, and they again stated they had not received a release letter. I then called CBE companies and a representative stated that they had sent the letter XXXX. When I requested a copy of the release letter so I could ensure it was delivered to my HR department they refused to provide me with a copy. I asked for a reference number or way to follow up on the status of my case and she stated they don't have a way to do that. 

As a summary I have paid in full my debt and the company that is supposed to be representing the Department of Treasury has failed to deliver a release letter to my employer notifying them that the debt has been paid, provide me with any form of receipt, and denied to provide me with a copy of the release letter needed to stop continued garnishment of my wages in excess of what I owe.
Product: Credit reporting or other personal consumer reports

Several formal letters have been sent to all THREE CREDIT BUREAUS from the President of XXXX XXXX regarding the reporting of a INACCURATE past due payment that NEVER WAS PAST DUE, yet the credit bureaus and XXXX XXXX are showing the amount is STILL LATE. XXXX XXXX XXXX has gone above and beyond, providing each letter and copy of the XXXX  submitted from XXXX  to credit bureaus.
Product: Money transfers

I recently attempted to receive a prescription for saizen hgh from a website that I had not done business with before XXXX I agreed to use moneygram to send {$300.00} to a clinic in XXXX. I was n't completely unaware of the risk of such a transaction, but due to FDA 's recent pressure on credit card companies to stop processing transactions for medicinal products, I found myself feeling like I had no choice but to attempt to do business this way. I wired the {$300.00} on XXXX XXXX, 2016. The salesperson I spoke to on the phone ( XXXX, phone number XXXX ) assured me that he would contact me the next day and provide a tracking number for a package that would be sent overnight delivery. Since the money was sent, all of my attempts at communications have received no response.
Product: Credit reporting or other personal consumer reports

I have asked to have XXXX  XXXX removed from my credit report. This loan is in the forgiving stages and previous to that was in the save act remove this from report. It also states payment summary incorrectly and states last payment was XX/XX/year> should be blank! payment summary is incorrect and last payment is wrong this is causing me great harm. Remove this from my account or I will sue. All 3 bureaus need to be prosecuted for this great harm it is doing to my credit. I have proof from the state that reflects it is being forgiven no payments due. Remove this immediately while you work on obtaining the records needed. I have requested this multiple times. And experian XXXX  and XXXX have failed to do their job! I also request a signed letter that I was asked of it was OK with me for this to be reported on my credit report by law I was supposed to consent. I do not give co sent for this installment loan to be on my credit report! I do not give permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and I noticed fraudulent accounts that were open undermy name I have never applied for these accounts. I have filed for identity theft report with ftc for these accounts.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXX XXXX Balance : {$29.00}
Product: Credit card

XX/XX/year> : XXXX was on but locked. 
Pop up : Your XXXX has been locked due to detected illegal activity.Your XXXX Account has been XXXX! 
Immediately call XXXX XXXX XXXX ( XXXX ) XXXX to unlock it!. 

This is the XXXX apple support number I called. They transferred me to XXXX so I have no idea of an actual phone number. 

Proceeded to handle it - as I perceived fraud. I then noticed several charges for a gift card company and XXXX  used until my credit limit was reached. 

XX/XX/year> : Another pop-up was sent to my phone. I took pic and shut off phone, then restarted. Changed password. 

Several dispute attempts. 
Card deactivated and CLOSED Account when verified charges I DID make left balance of {$0.00}
Product: Credit card

In XX/XX/XXXX, XXXX XXXX XXXX XXXX and I reached an agreement for car repair service. The merchant agreed to fully fix my vehicle for {$550.00}. My vehicle was showing a check engine light which was preventing me from renewing my registration in my state. After 2 visits, the merchant failed to fix my vehicle so I decided to take my car to a different mechanic. The second mechanic gave me a different plan of action and fixed my vehicle for less cost and time. Based on the information given to me by the second mechanic I believe the original mechanic was acting in bad faith during our business dealings. I filed a claim with Chase bank on XXXX XXXX, XXXX with claim number XXXX. Chase asked me for additional documentation to support my claim. I promptly provided this information via their online portal. I received a letter today, XX/XX/XXXX notifying me that they would be removing the temporary credit of {$550.00} from my checking account. I believe that Chase has made a grave mistake during this claim process and based on this they have made a misguided and erroneous decision. I have also filed complaints with the FTC and with the IL Attorney General under file number XXXX against XXXX XXXX XXXXXXXX XXXX  XXXX I have attached the letters from my bank as well as screenshots of the original transactions and other relevant documents.
Product: Credit card

I have XXXX credit card accounts with USAA. XXXX is a mastercard, ends with XXXX. 
For some reason, USAA blocked me out of the online service for " identity '' reasons. This has been going on since XX/XX/XXXX. I called and gave them every form of identity info ( social security number ) and the works.Then they required to fax them my military XXXX paper ( XXXX ) and my military ID card but after all that, they are demanding a " copy '' of my social security card which I refuse to give them, because I am a victim of identity theft through a financial institution, but still demand my SS card and deny me access to my account online as well as refuse to send me paper statements after my request in XX/XX/XXXX. I attempted to close the account so I obtained a balance and paid it off within 48 hours. They acknowledge my payoff payment but refuse to allow me to close the account. There is something going on ( being charged ) after I cut up my card. I am not making any payments after the payoff but the credit report showed a {$10.00} balance in XX/XX/XXXX. I called in and disputed the charge and requested to close the account. Today, the balance is now {$53.00}. I made one last attempt on XXXX XXXX, spoke to XXXX XXXX. He said that his supervisor said " copy of my social security card is needed ''. I then informed him that I will file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a loan with a bank that is showing up on my credit report as a derogatory account. Iv'e tried fixing the problem with the company and thru the bureaus but the problem has not been fixed and the account is still on my credit report.
Product: Checking or savings account

On XX/XX/2023 I tried to complete a change of address in my online USPS account. That was at about XXXX XXXX  on that Monday. I was asked by the USPS to accept a {$1.00} fee for verification identity. I checked the box I agreed to accept the fee and then entered my bank card information. The USPS then said it could not accept my bank card for payment and said it had sent me an email telling me what I needed to do to complete the transaction at the post office. I have not completed the transaction at the post office yet at the front counter. In my online TD Bank account, it has that on XX/XX/2023, {$1.00} was sent to the USPS. I want TD Bank to verify that the {$1.00} was sent to the USPS from my checking account on XX/XX/2023 because of the transaction I tried to complete in my online USPS account on XX/XX/2023 at about XXXX XXXX. In my online TD Bank account, this is how the XX/XX/2023 transaction is recorded, XX/XX/2023 Debit Card XXXX XXXX XXXX XXXX USPS Change Of Address XXXX XXXX XXXX TN. My mailing address has not changed yet in my online USPS account and I have not completed the change of address transaction, so I want TD bank to verify that the USPS could legally take the {$1.00} from my checking account. I have not closed my current mailing address of XXXX XXXX XXXX XXXX, SC XXXX I have had for about 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The background check company Checkr is reporting ( background checks done in XXXX and XXXX of 2022 ) something that I was accused of doing, but was not charged with and had the claim dismissed, as something I was charged with. This accusation is showing up in red and I have been denied employment due to this. 
Essentially, I am being treated as if I was convicted of a crime I did not commit. 

I have emailed Checkr and gotten no response. I have also tried to call but have been unable to get past the automated system in order to speak to someone.
Product: Debt collection

midland credit management ( midland ) signed, returned registered letter REQUESTING midland stop.attempts to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2013 Balance : {$2900.00}
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on XX/XX/2016. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a old defaulted credit card account originally with XXXX XXXX/XXXX XXXX it is several yrs old. It was bought by XXXX XXXX XXXX. They immediently " parked '' or " re-aged '' the debt ON MY CREDIT REPORT AS OPEN. I DISPUTED WITH XXXX XXXX and the collection agency and was was Told by XXXX XXXX that it Met FCRA AND I DONT THINK IT DOES. 
also XXXX XXXX ding loc had placed the account with. 
XXXX XXXX collections I was contacted by them agreed to a settlement amount of {$170.00} And was sent a settlement letter by email was I received it I called to make the payment and was told that XXXX XXXX had pulled the account because I had complained about their reporting practice.they then put it back on my credit report and gave it a newer date
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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

During the last tthree months I have disputing the following account on my credit report which does not meet standards for how an aacount is reported on a credit report.Please remove this account from XXXX XXXX, XXXX and Experian for inaccurate XXXX XXXXXXXX This account was closed on XX/XX/year> however it is showing delinquent activity after the closed date.Your procedure has allowed this since XX/XX/year> and this has been highly damaging to me.I want this account deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to remove my fraud alert and freeze from my credit because I'd like to activate utilities in my house but they need to run my credit and they say it's block, Please remove my extended fraud alert. 
I have been trying to contact you by phone but it is so hart to get through. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX. CHILD SUPPORT XXXX XXXX Account # XXXX. Has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX XXXX XXXX Account # XXXX. Has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

this company uses different names under llc s which are corrupt and should not be allowed. XXXX XXXX XXXX XXXX XXXX I sued them, XXXX XXXXXXXX XXXX XXXXXXXX - The person named XXXX dies not have a XXXX account or XXXX XXXX  - NO SUCH account when we contacted XXXX XXXX  for details - NO SUCH name - They are discriminatory and abusive and go after XXXX  - isn t there a law to close all of them down? NO account in XXXX  no payments made They are corrupt and disgusting - The person they are going after XXXX XXXX owner of XXXX XXXX XXXX which is closed from XXXX is deceased. Then they go after whomever is alive and do not mention a company. I do not want this company to ever use this address and send mailings to a XXXX  citizen not connected with anything or do any research in their name or the will be sued! And yes we will pay to close them down for discrimination and XXXX  abuse!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   pulled my Equifax credit report twice on   XX/XX/XXXX  and  XX/XX/XXXX , and my  XXXX  credit report on  XX/XX/XXXX  without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after   XXXX   XXXX   pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.   <P/> I have sent a letter and made multiple calls  (   XX/XX/XXXX  and  XX/XX/XXXX  ) on the matter and y et they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inqu iries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and   XXXX   XXXX   rem ain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd l ike to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.  <P/>   XXXX   XXXX   must remove these inquiries from my Equifax and   XXXX   reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Product: Credit card or prepaid card

Synchrony is the bank that manages the XXXX and XXXX credit card, and they dont send an email when you sign up for paperless statements. This has resulted in being late for 2 payments and being subject to late fees and interest charges. As this is the second time this has happened Im convinced that this is a mechanism to collect late charges and interest charges.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$7900.00} XXXXXXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX {$1300.00}XX/XX/XXXX XXXX {$0.00XX/XX/XXXXXXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$9300.00} XX/XX/XXXXXXXX XXXX {$4300.00} XXXXXX/XX/XXXXXXXX {$3400.00} XX/XX/XXXXXXXX XXXX XXXX {$15000.00}XX/XX/XXXXXXXX {$5900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding XXXX handling of disputes particularly in the light CFPB lawsuit highlights issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution XXXX failed to investigate my claims accurately they informed me that recovering funds is impossible the CFPBs finding indicate that XXXX has not only protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable for scams this lack of accountability needs to be addressed and raises concerns for customer safety