23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I feel violated by employees revolving around benefits to which I am entitled and are an abuse of power when XXXX told me about my XXXX benefits under ending account XXXX on last Friday that she will fix this and it is your account, immediately I felt uncomfortable. She said that she will straighten this out by replacing identifier with mine and forced me to report it with Bank of America and now nothing has matched up because of this. 

Then with XXXX XXXX the conduct of XXXX that I are made feel violated and an abuse of power by her and that on Saturday XXXX I spoke to her about my account and she " Out the Blue " said I am putting a block on your account, I said why? So no one can go into your account without your authorization. When I called back I discovered she lied and it was to allow benefits in but that I could not withdraw and this were not my wishes and are wrong. Now that I can see what they are doing to block payments I truly want all three blocks removed ending XXXX, XXXX, XXXX.
Product: Credit card

I obtained an XXXX XXXX XXXX through Fidelity Investments, and neither is taking responsibility for the gross negligence which allowed fraud to go undetected. Responsibility is being shifted over to Bank of America, a new vendor, and Fidelity has distanced itself from the product so that I can not even log on the account through their website portal. The balance remains on my credit report with major damage to my credit rating. The company address I am being given is FIA Card Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX But Bank of America sent a no-reply email indicating that they are located in XXXXXXXX. The contents of the email suggest that collections will proceeed, even though this has been entered into dispute. XXXX was shocked they were not doing basic fraud detection that would be standard, but they have told me to deal directly with Fidelity who is dumping me off onto an unwanted relationship with Bank of America with a balance and ruined credit rating. 

I hope everyone reads this because Fidelity Investments was who I entered an agreement with, based on their company reputation, in addition to having respect for the XXXX XXXX logo. But that 's not who I am dealing with, and the damage is substantial.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. XXXX XXXX  has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/year> XXXX XXXX XXXX Account ending XXXX I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC and I have also filed a complaint against them on XXXX.
Product: Mortgage

My payments are not applied correctly ; one month is one thing and the next is something else. For XXXX the balance was {$61000.00} for XX/XX/2022 it went up a little higher to {$61000.00} for XXXX. The count for my mortgage is off. every month it was not the same. I will send you the paperwork so you can see it,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed an erroneous account that need to be immediately DELETED. 

XXXX XXXX XXXXXXXX has violated my consumer rights clearly outlined in 15 USC 1681.

As a federally protected consumer, I am well aware of my rights and more specifically my RIGHT TO PRIVACY within 15 USC 1681A ( 4 ).

Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 

As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience.

It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. Your company is also setting itself up for a civil liability suit under 15 USC 1681n for negligible non-compliance with a possible {$1000.00} expense for each violation as well as a suit under 15 USC 1681o for negligible non-compliance with even higher resolutions. Moreover, I have been directed by the IRS
to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions.

I hereby demand that you take immediate action to notify the credit bureaus to DELETE this erroneous information from my credit report without further delay. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.
Product: Debt collection

Lied and conned me out of my money without upholding their promise. A settlement letter.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some incorrect information in the following accounts : XXXX XXXX account # XXXX I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX # XXXX The current payment status of 30 days past due is incorrect because the balance due on this account is {$0.00}. 

XXXX XXXX account # XXXX This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 

XXXX account # XXXX I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}, {$8500.00}, {$13000.00}, {$0.00}, {$1100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Product: Debt collection

In XX/XX/XXXX I received a notice from Portfolio Recovery stating that my account had been sold to them and demanding payment for an account that I have paid off back in XXXX. I worked with XXXX ( a XXXX XXXX XXXX ) and this account was settled by negotiation and closed. I have sent them copies of my payments, but they have continued to harass me and have reported this debt and had to put on my credit report. Portfolio is asking for XXXX for a credit card account that I had. I began working with XXXX and through negotiated payments the account was settled and closed I have sent Portfolio a record of the payments, but they continue to ignore my payment record, and have reported this as a collection on my credit report.
Product: Debt collection

on XX/XX/2021, I sent letters to XXXX XXXX COLLECTION ON BOTH ADDRESSES ( MAIN AND CORPORATE ) .and i haven't heard anything from them regarding this inaccurate item.i also attached copies below of the letters that i sent below.
Product: Debt collection

Portfolio Recovery Associates, Inc. ( PRA ) bought a debt from XXXX XXXX in which XXXX XXXX had already charged off said debt. PRA, after 2 years of attempting to collect on this debt, filed a XXXX to the IRS on me for the year 2014. I disputed this debt many times to PRA by certified mail. I did not at any time have any agreement/contract with PRA nor did I receive any goods or services from PRA. This debt is past the statute of limitations to collect a debt. I filed a complaint with the US Postal service for mail fraud.
Product: Credit reporting or other personal consumer reports

My account with the XXXXXXXX XXXX company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Debt collection agency Glass Mountain Capital trying to collect a debt in the amount of {$910.00} from original creditor XXXX XXXXXXXX XXXX who owns XXXX XXXX XXXX 
I am not disputing that I ever owned a credit card through XXXX XXXXXXXX XXXX  in the form of a XXXX XXXX XXXX I did back in XXXX with an initial credit line of {$3000.00}. However, months later and even though I had a good credit and payment history with them they lowered my credit limit to {$500.00} without notice or reason. 
This caused a dramatic drop in my credit score so because of this I no longer wanted to keep this credit card and called customer service to have them immediately close the account. I did have a small balance and within months it was paid in full. 
At which point I considered this account closed completely since I had no balance and even received a XXXX balance letter which I requested. 
Now here we are over 3 years later, I received this debt collection notice in the amount of {$910.00} from this same credit card company XXXX XXXXXXXX XXXX  the servicer of XXXX. I am currently a victim of identity theft which has been verified by almost every creditor that has been made aware and I have tried to fix this with XXXX by submitting a complaint about this. 
First, I would never reopen a new credit line with them especially after I was dissatisfied with the way they handled my previous account. I wanted nothing to do with this company once I closed the initial credit card account and paid in full. 
XXXX allowed someone posing as myself to reopen a line of credit in my name using my personal information and I have asked them to please recognize this as fraud since my identity has been used this way several times with other companies. 
I currently have fraud alerts placed on my credit report and have an inquiry made to my local police department. 
I am not responsible for this account in question and any other fraudulently obtained accounts. 
Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX Account number : XXXX, I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unfortunately one of the ~143 million accounts affected by Equifax 's data leak that occurred in XXXX XXXX  2017. I obtained this info by verifying via the Equifax site set up for this ( https : //www.equifaxsecurity2017.com ).  Without knowing for certainty the extent of information leaked, I assume that my SSN, DL, DOB, address, credit card info and more were leaked and obtained by third-parties for fraudulent use. 

The manner in which Equifax has handled the situation - especially the creation of a non-arbitration clause to a meager 1-year identity theft service they administer, is shameful and nefarious.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed 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 mu credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as consumer.
Product: Debt collection

I requested in writing on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that XXXX / Resurgent cease contacting me pursuant to 15 U.S.C. 1692c ( c ) and California Civil Code 1788.17. XXXX / Resurgent continues to contact me to collect one or more debts, most recently in writing on XX/XX/XXXX ( see attached letters ).
Product: Money transfer, virtual currency, or money service

Venmo is failing to adhere to their stated procedures for resolving customer complaints, including customer complaints that have regulatory implications. The terms of service advise contacting Venmo through chat, but the chat service has been converted into a chatbot that can not accept customer complaints. As you will see from the attached screenshot at XXXX XXXX EST ( XXXX Central Time ), they have deactivated live chat, though they falsely claim that it is still available.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX, 2024 and I saw some late payments that suppose to be on time. Please delete XXXX  day late payment from my credit report due to violation of 15 USC 1681s-2 ( F ) 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 US.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 of information Any other adverse item of information, other than records of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681 s-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. 

Accounts XXXX XXXX XXXX
Product: Student loan

I returned to school from XXXX. I was on an IBR with {$0.00} payments. I specifically asked XXXX XXXX to remove the in-school deferment because I was working towards PSLF. XXXX XXXX did not remove the deferment causing me to lose 2 years of payments. I worked full-time 40 hours per week in an extremely difficult public service position while attending school. Being that my payments were {$0.00} on IBR prior to this automatic deferment that I never asked for and furthermore asked to be taken off why would this happen. PSLF states 10-years of public service. I dont think as someone who has read and kept up with PSLF guidelines & done my part should be punished for improper handling of my request by the servicer. I have been trying hard to get this fixed and I have a complaint that has been in review with student aid for about a year. My payments were {$0.00}, I think its highly unethical that I was placed in an automatic deferment to begin with. Then they make all these changes and exclude in-school deferments after the servicers didnt properly do their job. Ive been trying to get his fixed for years, and for years I have been getting the run around.
Product: Checking or savings account

Date of transaction : XX/XX/2022 Description : A {$500.00} Transaction was invalid and the money was supposed to be put back into my account a few days after the attempted transaction but never was. I called and filed a claim with Chase Bank on XX/XX/2022, and this claim was rejected several days later with chase bank stating that after their research, they found it to be a valid transaction, with out any further information. I called the merchant and the merchant stated that they released the funds the same day and that Chase bank is withholding the funds that were released back into my account. Merchant also stated that they never got a call from Chase bank regarding any research into this dispute and that if Chase bank wants, they can call the merchant and the merchant will send any documentation needed to show that they released the funds back into my account.
Product: Credit reporting or other personal consumer reports

I have filed numerous disputes with this credit bureau stating that a false address is on my credit report. I have asked for it to be deleted from my credit report or numerous occasions but yet this credit bureau has failed to do so. 
The fair credit reporting act clearly states that all the information on a person 's credit report should be 100 percent accurate. I have informed this credit bureau that there is an incorrect and false address on my credit report and asked you to remove it and you have refused to do so and this is a clear violation of Fear Credit Reporting Act. Continued violation will result in me taking legal action against your company. I have informed this company on several occasions that I was victim of identity theft. 
Kindly delete the address listed below from my credit report : XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Account # XXXX, 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 consumer reporting agency can not furnish a account without my written instructions.