23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with FirstMark Services and they have continued to violate my consumer rights. They have used my consumer credit to not only harass me for {$3700.00} but also blackmail me and stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. On XXXX and XXXX I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They have also continued to send out debt collection on post cards to me as well as my deceased grandmother, being in violation on 15 USC 1692B ( 4 ). They continue to violate me with their negligent and willful behavior which has not only damaged my reputation, causing my credit to be denied, but also made be lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report
Product: Credit reporting or other personal consumer reports

In accordance with The FCRA this creditor has violated my rights under 15 U.S. 1681 section 602 states I have rights to privacy. 15 U.S Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date.

A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Checking or savings account

I was supposed to receive the bonus for opening the account as long as I had the qualifying deposit to my account at least up to {$1000.00} and I never received that Ive reached out about this matter and they closed my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX account XXXX XXXX XXXXXXXX, 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 that a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to re-access my " XXXX XXXX '' account, and received a statement via email : " Your XXXX XXXX account has been closed and can no longer send or receive payments.

Reasons for this decision may include your account history, transaction disputes, or other violations of the XXXX Terms of Service. 

We can not provide further details regarding our decision, which is final. We are unable to reactivate the account. '' In XXXX XXXX I received similar cancellations from PayPal and had several XXXX XXXX " frozen '' for 90 days, then never returned to me. I've contacted PayPal several times to try to resolve this, but never get anything except for form letters in response and " there's no further information ''. 

In the Fall of XXXX, I had my Venmo account frozen with a similar result, only I was able to withdraw all outstanding funds. 

I have NOT conducted any business that is in violation of the terms of service for any of these organizations. There is no information given as to WHY my accounts were frozen/locked/canceled, and I have no recourse to reopen new accounts.
Product: Prepaid card

I spoke to AMEX at the XXXX number on XXXX and on XXXX at XXXX XXXX  and they confirmed on both calls that the two American Express eGift cards totalling {$550.00} were loaded. I told the person on both calls I had been trying for 2 years to use these cards online ( because they were online egift card gifts not physical cards ) and the person said that the company who purchased them would need to call and verify. My HR manager did call and spoke to someone at AMEX and confirmed the cards were active. AMEX told my HR Manger that some online stores do not accept the egift card and to keep trying other merchants. I have tried XXXX, XXXX, XXXX, XXXX XXXX and XXXX online and all were declined. I would just like to be able to use these gifts at merchants i buy from and I haven't been able to. I have copies of the American Express eGift Cards that show the card number, expiration date and CVV number along with the email from my HR Manager that tried to help as well but got no where with AMEX.
Product: Credit reporting, credit repair services, or other personal consumer reports

so Ive been struggling to correct inaccurate reporting on my credit report from XXXX XXXX XXXX. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX, AND XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I participated in a XXXX  interview for a remote appointment setter position with what I believed to be a legitimate company, XXXX XXXX XXXX ( also operating as XXXX XXXX XXXX XXXX and previously known as XXXX XXXX XXXX ). After further investigation, I discovered that the company had previously gone by the name XXXXXXXX XXXX XXXXXXXX and has been reported for engaging in fraudulent hiring practices. During the interview, I was asked by representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX for remote access to my screen under the pretense of setting up work-related software. However, without my knowledge and consent, they used this access to open a {$6000.00} loan in my name and make unauthorized transactions through my XXXX XXXX. After the interview, I was required to electronically sign contracts under false pretenses, with the company claiming that I needed to complete training and work for them in order to be reimbursed for the money taken from my accounts. When I tried to opt out of this situation, I was threatened with legal action if I disputed the charges. They claimed to have recorded our XXXX  interview and had my signed contract as evidence against me. After conducting further research, I found that this company has a history of misleading individuals with fraudulent pay-to-work schemes. As a result, I was defrauded of {$6000.00}, which includes {$1000.00} withdrawn from my Chase Bank credit card account and {$5000.00} charged to my XXXX XXXX issued by XXXX XXXX XXXX. These transactions were processed through the XXXX XXXX  which is a social commerce platform and when I attempted to request a refund from the merchant, my account on XXXX was suspended. In response, I immediately filed disputes on XX/XX/XXXX and XXXX with the Chase Bank, and XXXX XXXX XXXX  for the unauthorized charges. In addition, I have already filed complaints with IC3 and the FTC regarding this matter. I am now submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to seek full refund. To support my case, I have attached emails, the signed contract, proof of transactions made to the XXXX XXXX. Please let me know if any additional information is needed. Thank you for reviewing my case and I really hope we can find a solution to this soon.
Product: Payday loan, title loan, or personal loan

Called Affirm on XX/XX/27 Spoke with : XXXX XXXX. 
Time : XXXX Called Affirm on the morning of XX/XX/27 and spoke with XXXX XXXX to see if I could get assistance with taking off my overdue payments of {$160.00} for my XXXX loan account and {$53.00} for my XXXX account until I can get caught up and back on track. Stated that I had symptoms of covid and was out of work. Advised I have been financially impacted by covid. XXXX advised they could pause notifications for overdue alerts which didnt help because the overdue payments would still be there. 

I then provided my email for information regarding the loan modifications to be emailed to me. I Filled out the loan modification form and was approved to have my XXXX loan which was overdue by {$160.00} deferred for a month. But was not approved for the loan of {$53.00} which was also overdue. It would have been great to have the payments taken off so I wouldnt have to play catch up with all of my bills. I would greatly appreciate any assistance as of right now Im having a problem with getting groceries, paying bills, just maintaining and its causing a real strain and stress for my family. I currently have had a significant loss in pay as well due to a high cut back on gig work due to the low demand on gig work and cut back on pay. I feel that this is all very overwhelming and this was the lowest amount of help due to the fact that I have been on time with my payments previous to this and also have paid off loans as well. 

Who : XXXX XXXX : XX/XX/27 Time : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$16000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

This letter serves as a formal and aggressive demand for the immediate removal of an ILLEGALLY REPORTED CHARGE-OFF REPOSSESSION on my credit report related to XXXX. This account has been wrongfully reported, and I will take legal action if it is not removed within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

VIOLATIONS COMMITTED : 1. ILLEGAL DOUBLE REPORTING & COLLECTION ATTEMPT A charge-off means the debt has been written off by the creditor. It is illegal for XXXX to report or attempt to collect again after it has been charged off. Reporting this as a repossession AND a charge-off is an intentional act of fraud. 
2. FAILURE TO PROVIDE NOTICE I never received a legally required written notice after the charge-off was recorded, which is a direct violation of FCRA laws.

3. FTC COMPLAINT FILED I have already reported this violation to the Federal Trade Commission ( FTC ) for deceptive and illegal reporting practices. 

REQUIRED ACTION : IMMEDIATE REMOVAL of this account from my Equifax and Experian credit reports. 
A written confirmation of this removal within 30 days to avoid further legal action. 
Failure to comply will result in escalation to the CFPB, state Attorney General, and a formal lawsuit for willful violation of the FCRA. 

I expect immediate action. I will not hesitate to pursue my full legal rights, including statutory damages of up to {$1000.00} per violation plus attorneys fees. 

You have 30 days to remove this fraudulent charge-off repossession from my credit reports, or I will take the next legal step.
Product: Money transfer, virtual currency, or money service

The disclosure was unclear that if I send money it can not be returned for any reason
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 reporting, credit repair services, or other personal consumer reports

I recently turned XXXX and am looking to apply for a credit card so that I can start building credit. I wanted to check my credit score and chose to do so with Transunion because they advertised the credit report as free. I checked my score on  XX/XX/2020. After giving them my information it turned out there was a XXXX} fee for the report, which I accepted. I was billed the XXXX} fee on the same day and after re-reading that email I see that it said " You have purchased a subscription product. For your convenience, your payment card will automatically be charged XXXX} ( plus tax where applicable ) per month, while your subscription continues. '' Yet, I was charged XXXX plus tax on XX/XX/2020. There was no clear indication that I was signing up for any type of membership or trial period that would need to be canceled before I was charged XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general
if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

First, " called before or after XXXX or XXXX '' is not my complaint. I was not offered a means to describe my complaint accurately before and needed to select something, however inaccurate, to proceed. <P/>My complaint is the available channels presented to me to contact my Collection Agency, Phoenix Financial Services LLC, have not allowed me to actually contact them. I want to rehabilitate my loan and have done due diligence in pursuit of this objective pursuant to CFR 682.405 's description of a borrower 's responsibilities. I have called my CA repeatedly, in the morning, evening and midday. Not once when I called was I able to speak with anyone about rehabilitating my loan. I left multiple messages stating my intention to rehabilitate the loan and giving my contact information, both phone number and email, and have not been contacted with a means to rehabilitate my loan. <P/>I have sent physical mail correspondence to PFS stating my intention to procure a rehabilitation agreement and have not received a response. I would have sent them an email or made my first rehabilitation payment online but from the information XXXX XXXX provided me neither is an option. <P/>When I contact my servicer or Guarantor I 'm referred to the Collection Agency. <P/>I have exhausted the means available to me and have yet to receive affirmation my loan is now undergoing rehabilitation. <P/>I am deeply concerned I will be denied the opportunity to rehabilitate my loan because the clock has run down. I have made every necessary effort to do my part in rehabilitating this loan in good faith. <P/>I sincerely hope the silence from my Collection Agency is just a delay -that a rehabilitation agreement is already on its ' way and I just need to be a little more patient. But the deadline for beginning rehabilitation on my loan is coming up and I would hate to be denied the opportunity to rehabilitate my loan because I was overly passive in waiting for my Collection Agency to come to an agreement with me.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed erroneous information that needs to be UPDATED and DELETED. Under 15 USC 1681e ( b ) and 15 USC 1681n, Please update my personal information immediately. Also, Under 15 USC 1681c-2 there is fraudulent information on my credit report that needs to be immediately DELETED as a clear result of identity theft/alleged identity theft as I DID NOT originate nor authorize these accounts to be listed on my credit report. Please see attached Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fcra these inaccurate negative accounts must be removed from my credit report asap incorrect names and addresses My correct name is XXXX XXXX XXXX young my correct address is XXXX XXXX XXXX XXXX tx XXXX incorrect names XXXX XXXX XXXX XXXX XXXX XXXX incorrect addresses XXXX XXXX  XXXX XXXX XXXX, TX XXXX
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.