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

In XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX and got approved. At this same time I lost a family member to death so I was not even looking for the card in the mail. I never received the actual card. Since I never received the card it was not activated. I did however received a bill from XXXX XXXX. I called to try to resolve the issue and I was sent a email asking for my ID, which I uploaded. When I called to follow up, I was told that the ID was not legible. I resent it a total of 4 times The last time I resent it was XX/XX/XXXX and today I called and was told that a specialist would contact me in 7-10 days, I was also told that the balance on the card was over {$2000.00}. when the card was never activated and I was told on XX/XX/XXXX that the card was restricted. 

XXXX  XXXX are crooks.
Product: Credit reporting or other personal consumer reports

I lost my XXXX XXXX XXXX on XX/XX/XXXX On or about XX/XX/XXXX someone used my old XXXX XXXX, to purchase XXXX worth of items, I have had no contact with this account about a year in a half prior to the incident. Around XXXX XX/XX/XXXX I start receiving calls from the creditor in regards to a delinquent account with XXXX XXXX XXXX When I contacted XXXX XXXX, they launched a investigation but they have not done anything about it and now it is detrimental to my XXXX XXXX that I maintain a XXXX for the last XXXX years which is now at a XXXX. I explained to the company numerous times that I was not the purchaser and someone is using my information, I even filed a police report and disputed these items multiple times but to no avail I am still stuck with XXXX in debt. The addresses on the account look like they were switched to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I live at neither of these addresses nor have I ever been there
Product: Debt collection

* Not my debt, have no idea of what debt is for *Received notification of debt on XX/XX/2023 *Disputed debt in writing and asked for verification of debt ( XX/XX/2023 ) XXXX XXXX, XXXX  received signed return receipt that letter was received *No response from company in writing or any form of communication XXXX XXXX XXXX collection agency reported debt collection to XXXX XXXX, I have never lived at the address in XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding deletion of the following account : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I made a balance transfer {$5200.00} plus fees on XX/XX/2023 but I never received my money into my account I have a chase account but they said they sent the money to the XXXX  XXXX XXXX but I have no bank with XXXX XXXX XXXX. first they disputed me the amount of the fraud then they added the amount back again on my account now my account is negative {$4400.00} my account full limit is {$5500.00} so I'm negative on my account XXXX thousands something all this Is badly affecting my life and my credit score. I had a good credit score of 700+ now I'm currently sitting at XXXX. I'm a victim of this absurd investigation they did on my account I'm looking forward to take legal action on discover bank I need help in this regard. thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 an order was placed on XXXX  with the order subsequently being shipped to the provdided address. On XXXX, XXXX I received a notification of a case being opened through Paypal, XXXX XXXX payment processing company, due to " the buyer stated that they did not receive their merchandise. '' Proof of delivery was provided and was logged on XXXX On XX/XX/XXXX I received an email, again from paypal that " We're happy to confirm that the following transaction was covered under Seller Protection because you met the PayPal Seller Protection requirements. '' Today, on XX/XX/XXXX, I received notification that again " The buyer stated that they did not receive their merchandise. '' and " We were unable to verify the delivery information you provided. '' USPS tracking is only good for 120 days so, of course, the will not be able to verify delivery any longer. Paypal has closed my account and threatened my credit score due to the actions of a perpetrator of mail fraud ( I personally know two others that have had claims on them by the same user ) that continues to do business on XXXX
Product: Debt collection

Midland Credit Management and XXXX XXXX XXXX is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. Midland Credit Management, XXXX XXXX XXXX and the consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation which violates 18 USC 1962 ( c ). XXXX XXXX XXXX transferred the account in reference without lawful authority to Midland Credit Management which is a violation of code 18 USC 1028 ( a ) ( 2 ). Midland Credit Management obtained my nonpublic personal information by illegal means. I failed to dispute the validity of the debt within the prescribed time period therefore resulted in unlawfully furnishing the debt to my consumer report which violates 15 USC 1692g ( c ). Furthermore I have never conducted business with Midland Management and I have not benefited from this transaction which is also a violation. According to 15 USC 1602 ( p ) Midland Credit Management does not have actual authority for such use and from which I received no benefit. Without lawful authority, by using means of my identification Midland Credit Management is committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. I would like to inform Midland Credit Management that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability under code 15 USC 1692g ( c ). I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship MIdland Credit Management has with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting notice of the amount of the alleged debt and the name of the original creditor 15 USC 1692g because I have not received notice containing the pertinent facts of this transaction which is a violation of 15 USC 1602 ( k ).
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX  XXXX XXXX ...., XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I would like to submit a complaint on Navy Federal Credit Union regarding countless occurrences of charges remaining in a pending status for numerous days resulting in incorrect available funds being shown. As a result I have incurred numerous overdraft fees. There have also been countless incidents were a pending charge would drop off the account for 2-3 days only to be re-applied and again caused multiple overdraft fees.
Product: Checking or savings account

I opened a checking account with Wells Fargo around XXXX XXXX throughout the duration of the account being open the account was comprised on over XXXX occasions. All reported and investigated by the bank in my favor! In XXXX there was a check fraudulently deposited into my account for the amount of XXXX I immediately reported as soon as it came to my attention that it was fraudulent. The bank investigated but said because my debit card while the funds were in the account Im liable. Even though I did not spend the money! ( I had my own direct deposit funding my account ) My account had been compromised on numerous occasions and Wells Fargo failed to set up any type of security or prevention resulting in many fraudulent transactions on my account such as the one in question. I decided to close the account due to poor security but Wells Fargo still wanted to collect the debt on the fraudulent transaction! In XXXX the debt was cancelled but Im still deemed liable for the fraudulent transaction. I dont believe I should be deemed liable because I had no knowledge of the transaction and reported asap also complied and gave proof. I dont not feel responsible for the fraudulent transaction and would like it reviewed, resolved, and removed for any reports such as XXXX  or XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.
Product: Credit card

I had an account with bank of america. Unfortunately my spouse has left me and I am not employed. I am currently on public assistance ( food stamps ). I spoke with a rep awhile ago at bank of america to see if I can claim a hardship. I was told I would be sent paperwork to fill out to prove my financial hardship. I never received any paperwork. I also had requested that they stop reporting 1 's and L 's on my credit reports as this is hurting my credit very negatively. This account has been charged off to a bad debt unfortunately. I have tried soon after the abandoment to do in good faith pay my card but under the circumstances I was not able to do so. I recently spoke with a bank of america rep who had called me and they were asking to me settle on 1/2 the debt. I 'm lucky if I have {$5.00} to my name. I had agreed to pay {$30.00} for 3 months in hopes that my sibling would help me and give me the money. Unfortunately he is unable to do so he ca n't supply me with anymore funds. I am in a very hard place right now and I have tried everything in good faith to not have this happen. I am requesting that bank of america please keep to what I was told and stop reporting the L 's and 1 's on my credit reports each month. I am submitting this complaint about bank of america because they promised me being the account was written off to a bad debt that the reporting each month to the credit berous would stop. To this day they are still reporting.
Product: Debt collection

CCS Companies failed to communicate the debt before reporting to Consumer Reporting Agencies. I was notified of this debt in XX/XX/2021 by my credit monitoring service. The debt is in the amount of XXXX of a balance owed to XXXX XXXX XXXX, dating XX/XX/2021. I received 1 notification by email from XXXX XXXX on XX/XX/XXXX, which was missed in my email. No other notification since from XXXX XXXX or CCS. According to my credit report, the account was opened with CCS on XX/XX/2021. I received no communication via email, telephone, or mail regarding this collection account. CCS reported to the credit reporting agencies without adhering to Fair Reporting Guidelines as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX  XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on a few occasion about inquiries made on my account. I did not authorization any of these inquires list below. My first communication with you office was on XX/XX/XXXX via letter, and my second letter to your office was on XX/XX/XXXX. <P/>1 ) XXXX XX/XX/XXXX7 2 ) XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX I have reached out to all the above companies as well letting them know I have not authorize any of these inquiries and these are fraud. I have file a police report as requested by XXXX and these companies. This is false reporting on your behalf and I am preparing to file a small claims lawsuit against your company due to the FCRA section 61. <P/>I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No.  XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking : {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX, XXXX, and XXXXXXXX  XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX, XXXX, and XXXX XXXX  can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX for the cancelled debt of { { {$4400.00} } } in order to file as ordinary income. Where is my 1099-C? XXXX XXXX XXXX, XXXX, and XXXX XXXX is clearly writing off debt with the IRS without XXXX out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX, XXXX, and XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX terms and conditions they agreed not to share my information with non affiliates. Experian XXXX and XXXX is not an affiliate of XXXX XXXX XXXX, XXXX, and XXXX XXXXXXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, or personal loan

I started receiving calls today and they were taking about garnishing my wages. The lady said that they are calling about a line of credit that I have with Check and Go. I told them Ive never heard of Check and Go. Then, she hung up on me. I have not conducted any online financial business with any Check and Go. 

( XXXX ) XXXX Is the phone number I was called from.
Product: Credit reporting or other personal consumer reports

15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system My information was used without my consent which created accounts that im not aware of. Under 15 us 1681c-2 these items must be remoled.

Remaining Inquires According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX earlier this month requesting a deferment on my loans for a few months, because I am willing, but currently unable to keep up with student loan payments. The customer service agent informed me that she could defer my loans for me until XX/XX/XXXX without penalties ( besides interest that might accrue ), and that deferring my loans WOULD NOT have a negative impact on my credit score. I got an update from the credit bureaus Transunion and XXXX on Monday, XX/XX/XXXX that my credit score had dropped 59 points. I opened my credit reports to notice that my XXXX  student loan status had been updated to " deferred ', which did in fact negatively impact my credit score.