23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

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

Dear to whom it may concern, My name is XXXX XXXX, I have been trying to report about inaccurate accounts in my credit report but the credit bureau has always intended to avoid their responsibility and none of my request has been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this investigation withins 30 days. 
**Name Reported** _XXXX, XXXX XXXX T this name is incorrect, My only correct name is XXXX XXXX. Please delete it!!! 
**Address Reported** _ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX , OH XXXX These address are incorrect, I have attached proofs of my current address below.! 
**Employment info** PRIME This employee is not belong our business so please delete it!!! 
**Credit Card** _ XXXX XXXX XXXX XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
_XXXX Opened Date XX/XX/XXXX The account balance show {$11000.00} when the amount past due is {$7700.00} **Collection** _ XXXX XXXX XXXX Opened Date XX/XX/XXXX How can there by $ 428 monthly payment in a charge off account. The balance is XXXX $ and past due amount is {$40000.00} in Transunion while the balance is XXXX $ and past due amount is XXXX in XXXX report. Delete it immediately!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
**Collection** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This charge off account is not mine please delete it as it is not belong to me, you have to provide me full documentation VIOLATION COUNT XXXX [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Credit card** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account is not mine. I do not have any financial obligation with them. Please delete it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$32.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$82.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

With an overwhelming sense of disbelief and frustration concerning the fraudulent accounts that have infested my credit report, and more distressingly, your persistent refusal to block these blatantly fraudulent entries. This situation has reached a level of annoyance and distress that defies comprehension, as it appears that the credit bureau is either unwilling or incapable of addressing the blatant fraud that continues to tarnish my financial reputation. YOU ARE NOT DOING YOUR JOB! YOU MAKE SURE THAT WE CAN TRUST YOU BUT IT SEEMS THAT WAS ONLY A TRAP! 
Your refusal to block these fraudulent accounts is not only distressing but also calls into question the competence and INTEGRITY OF YOUR ORGANIZATION! 
I demand that your bureau cease its inexplicable denial of my requests and take the necessary steps to correct this egregious error without further delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this demand will leave me with no choice but to pursue legal avenues to protect my rights. I am well aware of the protections afforded to consumers under the Fair Credit Reporting Act, and I am fully prepared to utilize those protections to seek justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and are in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  CARD SERVICES # XXXX, XXXX DEPARTMENT STORE # 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

Around XX/XX/XXXX I received a credit alert stating that a company by the name of NCB Management Sercives Inc. added a collection to my credit reports alleging I owe them {$1900.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies multiple times and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by NCB Management Sercives Inc. in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.
Product: Debt collection

CCS Collections is a third party collection agency the is attempting to collect for XXXX XXXX company in the amount of : {$200.00} I have no knowledge of this debt and never received any notification from this agency in writing or otherwise regarding my rights to either dispute and or request to validate this debt, pursuant to the Fair Debt Collections Practices Act, the Fair Credit Billing Act or the Fair Credit Reporting Act 609. 

My rights as a consumer have been violated by this agency
Product: Credit reporting or other personal consumer reports

Discover bank is a fraudulent account and wasnt open by me at anytime. All chargers werent made by me and this account needs to be removed immediately Police report attached
Product: Bank account or service

In  XXXX   XXXX  The IRS notified me I had not reported interest income from CIT Bank for tax year  XXXX . I checked my records and they were correct. I had NOT received a form  XXXX  form from  CIT B ank. I made payment.     I called CIT and reported not having received the  XXXX  for tax years  XXXX  and  XXXX . Of course my  XXXX  tax return had already been filed, and without t he CIT Ba nk interest reported. CIT then sent me the missing  XXXX . In  XXXX  they did send the  XXXX  for tax year  XXXX  as it should have been.     In  XXXX   XXXX  I received IRS notice that I had not reported interest income from CIT Bank for tax year  XXXX , the second year I had failed to receive a  XXXX  form from CIT. This bill included {$860.00} plus {$38.00} interest. Included was {$430.00} penalty.     Predictably, CIT says they sent the  XXXX  so I suppose it is just my word against theirs. However, I received  XXXX  or more  XXXX  every year and because the CIT was for a CD and not a account with active transactions I did not miss not receiving it, or have reason to look for it. I simply did not receive it. Not receiving the  XXXX  from CIT for two straight years but never having had a problem with any other  XXXX  takes this beyond mere coincidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX XXXX, I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself. 
Provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ).

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX, Vice President at Chase Bank XXXX address XXXX XXXX XXXX XXXX, XXXX VA, XXXX. Submitted an applicaton with out my signature and with out my permission. There has been an inquiry placed on my credit report as of XXXX XXXX ( est time ). This is unauthorized access as I did not gain anything nor did I give permission for these actions. As a result this is fraud and an invasion of privacy. This moment has caused me major stress, XXXX, and depression. I can not believe Chase is allowing their employees to operate in such manner. I was never made aware that any application would be submitted and I never verbally agreed and never signed any documents for submisson of this Chase business Credit card application that XXXX XXXX wrongfully submitted. As a result many laws have been broken, which I stated. I will take these actions further legally! JP Morgan and Chase co Bank, need to make this matter right, ASAP! SEND ME A CARD WITH THE BALANCE OF XXXX. XXXX ALSO GOING TO FILE FOR LEGAL SUIT, IM NOT AGAINST SETTLING THIS MATTER. IF YOU CAN PROVIDE ME WITH MY REQUEST ABOVE IN PREVIOUS SENTENCE! 
ALTHOUGH, this is not a scare or a threat. YOUR EMPLOYEE SUBMITTED AN APPLICATION THAT DOES NOT BEAR MY SIGNATURE, Nor did I give verbal consent!!! 

I have uploaded all proof of identity, so please do not ask me to verify myself either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, because of insufficient security safeguards, Equifax announced that they allowed my personal information, credit report, and possibly my credit card numbers to be accessed illegally by third parties. They have set up a site to verify that you are a member of the effected class, and I have confirmed that I am a member through this method. I declined to enroll in their protection program, because it would force me to waive my right to join a class action suit regarding this incident.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; AFFIRM XXXX XXXX Balance : {$500.00} ; XXXX  XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX  XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX  ( Original Creditor : XXXX T XXXX  XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Mortgage

Old Acct # XXXX Acct # XXXXHello My name is XXXX XXXX and we were sent to BSI Financial from XXXX XXXX XXXX. We were in Foreclosure. I filed for Bankruptcy in XX/XX/XXXX ; Once approved and was given an amount to pay monthly, I filed for a Loan Modification in XXXX of XXXX to begin making payments again with BSI Financial. After three weeks I called and was told to be patient they were processing it. I called about XXXX times total and was given the same information. On XX/XX/XXXX the envelope I sent with the modification paperwork came back, return to sender. The address for BSI Financial matched the address to this company. I am very dissatisfied with this company. I am trying to keep my home and work with this company to do so but to no avail. My desire is to receive a loan modification and continue to pay my mortgage to keep my home. Where do I go from here? 

Thank youXXXX XXXX
Product: Debt collection

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. This delinquent account record is inaccurate. Also, I have still gotten constant calls.This has caused anguish and XXXX. I request that the following account be promptly removed immediately off of my credit for Radius Global Solutions for XXXX XXXX.
Product: Credit card or prepaid card

I am a XXXX XXXX. We use XXXX BankCard for Card Processing at our XXXX. On XX/XX/XXXX a client did a chargeback for a transaction processed in person at our location on XX/XX/XXXX. We haven't been notified of the chargeback, but the amount had been Debited from our bank account amount of {$660.00}. 

On XX/XX/XXXX another customer processed a chargeback for parts that were ordered and pay for on XX/XX/XXXX, and picked up from our location on XX/XX/XXXX, in the amount of {$8100.00}. 

In neither cases we were notified about the chargeback. 

In the first case, I have received 3 pieces of mail in XXXX, but because I didn't recognize who " Global Payments '' is- I didn't pay attention to he notice. Later, I found out that Global Payments provide chargeback claim services for XXXX Bankcard. But this is not explained in any of the notices received in XXXX about the first chargeback. 

Now, I found out about the second charge back ( {$8100.00} XXXX based on my XXXX Checking account- I woke up and got a notification from XXXX bank that accont has beed Debited for {$8100.00}. Then I called XXXX  and they provided the phone number to Global Payments, and that's who I got an idea of who is Global Payments. As of today, 8 days later after second customer filed a dispute for chargeback of {$8100.00} I haven't received any notification of a chargeback from neither XXXX nor Global Payments. Global Payments said they have mailed the claim information, but I may receive it later due to the COVID-19. But they already charged back the {$8100.00} from my banking account. 

Further, Global Payments provided me with a XXXX for submitting a response with proper documents. I have registered and tried to upload documents to the file, but the webiste doesn't work. On the website it is saying that XXXX, XX/XX/XXXX is the last day to submit a response for the chargeback. But the website doesn't allow me to respond. Also, If I wouldn't check my bank account, I would not even know about this charge back, and by the time their mail arrive- the claim would be closed. 

I believe this is not fair, maybe even not legal, not to provide customer with a normal timeframe for responding to a chargeback. 
I believe it is not fair not to inform customer about a third party that manages chargeback claims- Global Payments. Because I have only agreement with XXXX. 
I believe it is not fair to deduct money from customer right away, without any notice, and without first giving an opportunity to respond I believe it is not fair to not inform the client about a chargeback. Mail is not a proper form of notice, especially during pandemic. They have my email and my phone. Mailing would be an additional contact option. 
I believe it is not ok to offer a time frame for response that is less than time of mail arrival. 

Also, During my conversation with Global Payments, the agent was laughing and not very professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX, XXXX payment never late fcra violatons : XXXX XXXX {$12000.00} Closed 1 late payment XXXX XXXX XXXX  {$3000.00} Closed 2 late payments XXXX XXXX {$12000.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$12000.00} {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Account # 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 customer Reporting agency cannfurnish a account without my written instructions.
Product: Credit card

I have never opened an account with Captial One before. On XXXX all of a sudden I got a series of emails all within 10 minutes.

1st email saying : " We've updated your phone number. '' 2nd email saying : " Its officialyoure approved and your new card should arrive in 710 days. Limit {$3000.00} '' 3rd Email saying : " You've gone paperless '' I called Capital One & they said that someone indeed opened a credit card account on XX/XX/year>. I said that was absolutely not me. They reported it as Fraud and instructed me to contact and put in a report to help you. 

I also got an email from XXXX saying " There had been a change to your credit file ''. As well as one from XXXX that said " It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. ''
Product: Debt collection

I purchased an item for XXXX However I paid for this item through Paypal.com I was very excited for my item and made sure to include in the shipping instructions to request a signature upon arrival. 
2 weeks later i get a email saying my package was delivered. I never received anything. I asked all my neighbors if they received something. No one has seen a package for me. 
I contacted the Paypal.com They assured me they will get to the bottom of this as i was covered under buyer protection. I spoke with several people from paypal and I did everything they instructed me to do. I opened a case with XXXX because they were the ones handeling the package. XXXX looked into it and informed me that the XXXX driver left the package OUTSIDE of my apartment complex that has over 200 people living in the area practically in the middle of a winter storm ...... 
For an item this expensive they should have given it directly to me or requested a signature like i asked in the shipping instructions! 
I told paypal this but because the XXXX presented a tracking number, they closed the case in their favor and instructed me to still pay for the item EVEN THOUGH I DIDNT RECIEVE IT! I appealed the case and spoke with a supervisor from paypal. He completely understood where i was coming from but didnt know how else to help me. 
A week later i receive a letter from XXXX XXXX XXXX XXXX ( a debt collector ) about the funds paypal is still trying to make me pay even though i never received the item. 
I have an excellent credit score and refuse to allow paypal to destroy it. 
This complaint is about Paypal for not protecting their buyer and sending this to a debt collector. 
XXXX  for having the driver drop the package off in the middle of the street without obtaining my signature. 
asteriahair.com for not making sure their customer actually received the item that they purchased and lastly XXXX XXXX XXXX XXXX for buying this " debt '' in attempt to ruin my credit