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

Recently I accessed my free credit report from XXXX. In the inquiries section, there was an account review inquiry I did not recognize from a company called " XXXX, XXXX '', dated XX/XX/XXXX of this year, with the request originator listed as " XXXX XXXX XXXX '', which is I hospital I have previously accessed and paid my debt in full on XX/XX/XXXX without the account ever being sent to collections, however upon calling them and asking why they accessed my credit report without my permission I was told that not only have they never heard of XXXX but that they do not have the ability to access anybody 's credit information. On XX/XX/XXXX I contacted XXXX directly to ask why they accessed my information without my permission. On XX/XX/XXXX they sent a letter stating the following, which I received shortly after : [ see attached letter for statement ] There is a lie in that statement ; I do not have any existing account with North American Credit Services, which I will proceed to refer to as " NACS '' for brevity. I attempted to call NACS and left a voicemail asking them to explain why they are attempting to access my account but they never called me back. Upon looking into this company, I have come to discover that it is a medical debt collection agency, which further proves that this is fraud as I do not have any collections accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the year 2018, I was having financial crisis. A credit card company named First Progress was reporting late payments on my credit report. They reported that I was late on the months of XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. This is impossible, because I had auto-pay setup on this account. I for sure have paid on time with this company. I have disputed these late payments for years now, and they have not budged a bit to help this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My bank is USAA. Over the years they continuously raised my available credit limit on my personal credit card without asking me and they did so while the card was maxed out or close to it. But since I was able to make the minimum payments, they kept raising my limit. I remember reading that XXXX XXXX XXXX got big fines for doing the same thing to small business. This seems illegal and predatory lending. What started as a {$2500.00} limit eventually became {$16000.00} and I never asked for credit increases. 
Then I got the flu for 2 weeks simultaneous with a pay cut and then fell behind on payments. I contacted the Member Assistance dept and asked for lower payments ( {$350.00} was became too much for me ) but they said no. All they offered was 'Pay us XXXX % of the total and we 'll close the account '. Now they have charged off the card, ruined my credit and made hard for me to get a job or apartment. I am an XXXX XXXX veteran that got suckered into this credit situation by a bank that advertises that it treats the military community special. It 's just predatory affinity marketing similar to the Rent-To-Own and XXXX places just outside the gates of military bases. They sold my debt to a collection firm after tacking on about {$2000.00} more in interest for an {$18000.00} total. Over the years I paid around {$17000.00} in interest. Crooks. plain and simple. XXXX would have knocked their booth over.
Product: Money transfer, virtual currency, or money service

I have been using Robinhood online account trading for several years. Several weeks ago I got an email saying that my account had been frozen. There is no way to get a hold of Robinhood on the phone. I corresponded through chat and email multiple times over several weeks. They have asked me for verification information all of which I have provided multiple times electronically. There is no fraud on my account. I am at the point now where I just want my account closed and my funds refunded. Robinhood has refused to refund my remaining balance or officially close my account. I have spent hours trying to rectify the situation unsuccessfully. Online I see that multiple other customers have had the same problems with this shady company.
Product: Debt collection

I signed a agreement to surrender the automobile and it wouldnt be put on my credit report they lied and did it anyway
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXXXXXX XXXX XXXX 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 accounts 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 this item of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I kindly request the removal of all unauthorized credit inquiries from my credit report. 

XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX , XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$650.00} Credit collection servic {$370.00} Credit collection servic {$260.00} These are all collection accounts across my credit report that I am not responsible for! Ive never had a contract nor agreements Ive filed identity theft reports and yet Transunion, XXXX and XXXX are still violating my rights to privacy and have accounts showing on my report that Im not responsible for!
Product: Credit card or prepaid card

On XX/XX/2014, the bailiff threw me out of XXXX XXXX XXXX XXXX XXXX, XXXX, OH. I lost everything. I WAS DISPLACED. THAT MEANS I WAS CONFUSED. I moved from motel to motel. I never could finish anything.

Finally i '' m working on my credit.

I want to pay half of account # XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I transferred {$250.00} to my other business bank account and {$750.00} to another recipient from CHASE bank. Neither of us received any money. I called Chase Bank and they launched an investigation and said they would call in XXXX days. Nobody contacted me, I had to call and said call back in a week and it should be refunded. I called back and they said they cant refund my {$1000.00}. I have called 5 times and every one I talked to is making me out to be a liar. I am furious and this is unacceptable! I have been with Chase bank and making a lot of transactions and this is total disrespect. I have been lied to, and given misinformation. They will say contact XXXX, however in their clause they are not liable for any transactions involving your online bank. They are only liable if you transfer money through their app. Pleas help to resolve this issue. Thank you
Product: Debt collection

In XX/XX/2023 I was fraudulently overcharged for a Gym membership monthly fee. I contacted XXXX XXXX on several occasions to fix the issued, but they never did. Per the contract that is attached states I will get billed BIWEEKLY in the amount of {$25.00}. XXXX XXXX billed me {$45.00}, proof of bank statemen is attached. I went to the gym and spoke with a manager and advised her that I will no longer like to retain membership because there was a contract breech. I did not feel comfortable with XXXXXXXX XXXX having access to my debit card because they overcharged me and refused to make the wrong they did right. The manager assured me that she would contact the corporate office and explain to them what occurred and honor my wishes to discontinue my membership without penalty. I have been receiving numerous emails from a collection agency -Kingston Data and Credit International informing me that I owe them the remainder amount of the gym contract. I have disputed the issue with XXXX, but Kingston Data will not remove the item from my credit profile. I spoke with XXXX XXXX  with Kingston Data and explained the situation, she stated there's not much she could do. I would like the item removed from my credit profile due to the fraudulent charge and breech of contract. 


Company contact information.

Kingston Data and Credit International XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681b permissible purposes of consumer reports : 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. This has violated my rights under the FCRA. 15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history, charge off status ), between the consumer and the person making the report ;. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, TRANSUNION XXXX and XXXX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, XXXX and TRANSUNION are not an affiliate. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of 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. According to my XXXX, XXXX, and TRANSUNION report, this debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness as a 1099-C is filed. I kindly request assistance in reviewing the charged off amount associated with the original creditors XXXX XXXX XXXX and also request that an inquiry be made to the third-party debt collector, for actual verification and validation affirming that they have a contract with me bearing my signature. Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given XXXX, TRANSUNION, XXXX, XXXX XXXX XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Experians Failure to Remove Inaccurate Information from Credit Report and Request for Monetary Relief Prior CFPB COMPLAINT XXXX To Whom It May Concern, I am submitting a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), by not removing inaccurate and outdated information from my credit report within the required 30-day period. This is my third complaint regarding this matter. 

Despite being provided with ample time ( 30 days ) to investigate and address the inaccuracies on my credit report, Experian has failed to remove the following accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts are listed as Charge Offs, Accounts Included in Bankruptcy, and Public Records, all of which should have been removed according to the FCRA. However, Experian has not provided me with any substantiating documentation that unequivocally confirms the validity of these accounts on my report, nor have they taken any corrective action to remove them. 

Experians failure to comply with the legal requirements set forth in 15 U.S.C. 1681e ( b ) not only violates my rights as a consumer but has also caused harm to my financial standing. The continued presence of these inaccurate accounts is damaging to my creditworthiness and overall financial well-being. 

As a result of Experians repeated failure to comply with the FCRA, I am seeking monetary relief for the damages incurred due to the ongoing inaccuracies on my credit report and Experians refusal to respond within the 30-day timeframe. I request that the CFPB take appropriate action to ensure that Experian is held accountable for their failure to follow the law. 

Please investigate this matter promptly, and ensure that these accounts are immediately removed from my credit report. Additionally, I request that you provide written confirmation of your findings and any actions taken. 

Thank you for your attention to this issue. 

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

I was placed in administrative forbearance multiple times over the past two decades which has caused me to still be in this situation with this company. 

I will attach an email I received 9 years ago from the company. I didnt know what I could do then, now I know these things would be servicer errors. 

In order to fix their mistake of not sending me repayment information, they would just put me in forbearance. When I ask about it, I am told that they can not talk about what happened past the 7 year mark. Now I have 4 different issues because this moved to XXXX from XXXX XXXX. 

I didnt know I would not be put back in forbearance since that is what had happened for almost 2 decades. 

Attached is the list they sent me on XXXX  of what they did over the years. Two periods where I am in forbearance for 3-4 years. One, the time with XXXX  XXXX XXXX, was a time I was enrolled for one week. Yet they claim I was enrolled for 4 years, the school confirmed they informed that was incorrect. Another, 3 years, they said it was to cover gap from last date of attendance no other real reason. 

They would place me in forbearance or deferment for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX XXXX card service is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX   XXXX card service act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX  XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXX  , Trans Union and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.
Product: Debt collection

This company has called me repeatedly over three years after my informing them multiple times that this was a wrong number. Their caller ID does not list a name. They have been very rude and refused to identify themselves when I asked who they were, saying " if you are n't the person we are calling, then you do n't need to know. '' I have called back and asked to talk to a supervisor -- they said they would transfer me, and dropped the call.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received an email from Midland Credit Management claiming I owe a debt. I have never heard of this company and do not recall any such service. 

I immediately disputed the debt in writing and requested verification documents, including a copy of the contract and any documentation showing my agreement with the service. Despite my request, Midland Credit Management sent a threatening letter via XXXX on XX/XX/XXXX stating their intent to sue, without providing any validation documents. 
Disregarded my cease and desist request and contacted me twice in one day and again on XX/XX/XXXX. 

These actions violate the FDCPA by contacting me after I disputed the debt in writing and requested verification. Using threats of legal action to collect a debt and failing to provide verification of the debt upon request. 

I request that the CFPB investigate Midland Credit Management 's debt collection practices and take appropriate action to ensure they comply with the FDCPA. Specifically, I request Midland Credit Management cease all collection efforts for this alleged debt. Midland Credit Management verify the deletion of this debt from my credit report and provide documentation of such deletion.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts XXXX resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit worthiness. I am requesting immediate corrective actin to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXX I submitted a transfer of {$170000.00} from my Betterment savings account to another savings account with better interest rates. On XX/XX/XXXX I checked my accounts and noticed the money was not there. I called Betterment and they told me the transaction was " stuck '' and it would complete in the next 2-3 business days. I checked back on XX/XX/XXXX because the funds still had not shown and they told me I needed to provide a reason for the transfer because I had just deposited the money the month before. I explained that it was because I found a better interest rate and they documented my response and said they would move forward with the transfer. I also provided this reasoning via email. I then received an email saying they were not going to complete the transfer as I requested but instead were going to return it to the original funding account. It is now over a week later and I still do not have my money and they have not provided me a timeframe on when I should expect it.
Product: Debt collection

To Whom It May Concern, In the attached statement are duplicated and incorrect charges I received from XXXX XXXX Apartments. I pointed out the damages to apartment # XXXX as well as the dirty conditions upon move-in on XXXX/XXXX/2013. These are clearly damages and cleanliness issues they are trying to charge me with in the move-out statement which clearly do not belong to me. I had reported these conditions to the leasing office before and after move in and they never made it a point to have them fixed or cleaned. The charges related to the damages and cleanliness conditions have to be removed from the balance to be paid. 

I have kept frequent communication with the leasing office and the collections agency via email. I have also visited the leasing office to submit my supporting documents and to receive the corrected balance, but I was told by the manager, XXXX XXXX, that they have to review the information. I have yet to hear from anyone. 

I would like to have this resolved in a timely manner and ask for your cooperation and advise. Please feel free to contact me directly if you have any questions. 

Best Regards