23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I started having issues with my City Double Cash card about a year ago where payments would bounce even when there was sufficient funds in the payment account. I would get a notice from my bank that there was an issue with the transaction and would call City to find out what was wrong and and was told on two separate occasions that there was nothing wrong with the account and that the payment had gone through. A few days later I would get a notification from Citi that the payment had bounced even after being assured that it wouldn't. In all cases I have transferred the money to another account and made the payment from there, therefore I have never been late on a payment due to this. I finally determined that it would only happen when attempting to make a payment out of my savings instead of a checking account, something that hadn't been an issue in the past, nor has it ever been an issue with any other card. On the last occasion I mistakenly selected the wrong account and again tried to make a payment out of my savings. I noticed immediately and scheduled a new payment and attempted to contact Citi to resolve the one I figured would bounce again. I tried daily to speak to an associate and was repeatedly hung up on or placed on hold for hours to then be told that the department was closed by the automated system. During this time I attempted to pay a hospital bill with the card and it was declined. I checked my account online and found that it had been closed without my request or any notification. By the time I was able to finally get an associate on the pone after over a week of daily calls, I was informed that the account was closed due to the returned payments and that there was nothing they could do to reopen the account. This has been my daily use card for years and the closure of the account has negatively impacted my credit score. I have removed the offending funding source from the payment options for what little good it dose on a closed account. I do not understand how two banks not working with each other is my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 This account is showing inaccurate information on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have account with XXXX  XXXX # XXXX to be removed as I never owned this account. I disupted with Transunion and they responded that verified it belongs to me. I called again today XXXX and spoke to XXXX ID # XXXX and he could locate an account with this company under my name. The account was opened XX/XX/XXXX and closed XX/XX/XXXX according to the credit report Transunion provided me.This account has been removed by XXXX and XXXX. Transunion is the only one still reporting this erroneous information and it should be removed as no one can verify it belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times over the past XXXX years to get my credit report from Experian. I wrote a letter requesting their help. Apparently, the letter and request were ignored. i have not been able to get a credit report from them. I have no way of knowing if the problem which existed in the past with error on report has been fixed ( unless I pay them ). FREE means I do not have to pay for an annual credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Debt collection

In XX/XX/XXXX I had Internet service with XXXX XXXX out of XXXX, KS. Until I terminated service with XXXX and mailed the leased cable modem and equipment back to them. 
In XX/XX/XXXX I was contacted by a collection service affiliated with XXXX called MID CNT CRSV. They demanded payment for the modem and I explained that it was mailed to them and that they needed to check with XXXX to confirm this. Their response was " that is not our problem we can only give you the option of paying the full amount, or we will keep this on your credit report '' After a year to avoid negative credit effects I offered {$75.00} to settle the account. MID CNT CRSV refused and said they would only accept full payment to remove the information. 

It has now been over 8 years since I canceled service with XXXX and over 7 years since this charge was listed on my credit. I currently have a XXXX credit score and in all those years I have never had an open account in collections from any company. I believe XXXX and MID CNT CRSV are working together and using bully tactics by threatening to continue reporting old accounts so that they continue to damage credit scores in order to retrieve funds whether they are legitimate or not from past customers.
Product: Student loan

My loans were fully paid back in XX/XX/2013 per confirming with IRS and tax records as well as verifying through the Navient record portal however this company is committing fraud by reopening my same loans which were already paid by TAX GARNISHMENT and attempting to put me in more debt I've asked several times to confirm why i would owe the same debt again for which was already paid and they can not I believe they are scamming me and selling my paid off information to other parties in order to keep me in debt I've seen them being taking to court per other states outside of Texas and i know for fake this cant be right or legal what they are doing to me i have proof of paid services and no reason or valid explanation from Navient as to why they reopened my loans.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX-************** - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX************** - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX & XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I sent {$3500.00} to Coinbase on XXXX XXXX at XXXX. The money was take out of my account the same day around XXXX. At this moment coinbase is saying they do not have my money. 

This company is a scam.
Product: Credit card or prepaid card

Good morning, I have recently submitted, per US UCC Code 3-104, a notarized negotiable Instrument to Navy Federal Credit Union , to settle the Credit Card debt . Sent in a certified letter ( attached ).

Also, per the Fair Debt Collection Practices Act, I requested the company to send me the Generally Accepted Accounting Principles ( GAAP ) Ledger ( the account Navy Federal Credit Union used to loan me the money in order for me to use the credit card ) according to the Fair Debt Collection Practices Act. Instead, I was provided a Payment History which is not in accordance with the Fair Debt Collection Practices Act per my request, to which they are in violation. Section 809.

Navy Federal Credit Union is also in possession of my Original Promissory Note. They did not return the Original Promissory Note, nor with a legitimate written explanation as to why their organization is exempt from United States legislation, UNIFORM COMMERCIAL CODE or why the Legal Instrument is unacceptable. To which I assume they've monetized it without my permission or knowledge due to its non-return. Per my original letter stating they are to return the original document or it would be considered theft.
Product: Debt collection

Debt collection agency wont provide proof that the account in question is mine. Nor can they show me how they came to the amount they are claiming I owe. They update the file regularly to make it appear as though its a new account but if its what I think it is, this is from 10 years ago. When they update my file it hurts my credit because it looks like a new collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.
Product: Debt collection

Pinnacle Credit Services continues to verify a debt with all three credit bureaus yet refuses to respond to my requests directly with them to verify the debt. They continue to make changes with the credit bureaus like it is some sort of game. They have removed the account and then put it right back on my report. They have changed the account type, they have changed it from closed to open, seemingly anything they can do to harm me. The alleged debt is on open account type with a telecommunications company and the statue of limitations in Alabama expired over 2 years ago as the original account was from 2010. I have documentation proving they received my letter yet they continue to behave in a very unprofessional manner.
Product: Checking or savings account

I can't remember the date it was years ago or the amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was most recently a full time doctoral student at the University XXXX XXXX  at XXXX ( XXXX credit hours ). The school or whoever incorrectly reported or delayed reporting that I was a fulltime student there. This caused loans to become due. When I checked my credit report I noticed XXXX had reported my 10 loans as being delinquent. When I contacted them they verified my enrollment status and said they would fix it. It is taking way to long also it appears that my first request for removing the items of my credit report was not processed ( they told me to expect it removed within 60 day ) or had missing paperwork. I called again and they assured me they would resolve this but had not processed my original request because missing paperwork that they would send me in the mail as soon as possible. They stated once I turn the paperwork in they would remove items off my credit within 3 weeks. My credit report needs to be fixed IMMEDIATELY. I am in tech so many of the jobs I am applying for requires background checks and in some cases an actual security clearance. Because of incorrect reporting it appears that I have 10 loan accounts which are in default. I am restricted in my job search right now until this gets resolved. Employers don't have time to hear an explanation for why I have 10 loans in default. This needs to be fixed immediately so I can move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still not sure who / what this is " XXXX XXXX/XXXX/16 CBNA ''. I recognize the rest of the inquires.
Product: Debt collection

I recently obtained a copy of my credit report and MEDICAL DATA SYSTEMS I is currently reporting debt to my credit report and as allowed under the FAIR DEBT COLLECTION PRACTICES ACT, I am requesting that they allow me to validate the alleged debt. I asked to provide me with a breakdown of all charges, dates of service and procedures given including fees associated.Additionally, I am allowed under XXXX Law to protect my privacy and medical records from third parties. I do not recall giving permission for Medical Data Systems I, XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXXunable to provide a breakdown of fees including any collection costs and medical charges. 
XXXX.Unable to Provide a copy of my signature with the provider of service to my release of my medical information to you. 
XXXX. I asked to Cease any credit bureau reporting until debt has been validated by me. 
I requested for MEDICAL DATA SYSTEMS I to send this information to my mailing address and accept this letter as my formal debt validation request, which I am allowed under the XXXX. I advised that withholding the information they received from any medical provider in an attempt to be XXXX Compliant can be a violation of the XXXX because they will be deceiving me after my written request. I requested full documentation of what they received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt 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 their collection agency. Per the standard, you have XXXX days in which to respond to this request, I submitted request on XX/XX/XXXX and I have not received the requested information. 


MEDICAL DATA SYSTEMS I ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX : {$3900.00} Account # XXXX Collection opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cease & Desist : In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 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 the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. The Provisions of 15 USC 6801 ( a ) state, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given this company the permission to share my nonpublic personal information. However, I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that before such information is initially disclosed, to direct that such information not to be disclosed to such third party. 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that non-disclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX  ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws. I with this request that this company removes the above-mentioned information from my consumer credit report. If they accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

At the beginning of last year, I got a job working in the XXXX industry at a XXXX XXXX  near XXXX of that year into XXXX. I had a couple of XXXX XXXX happen and my business that I was working for at the time decided to fire me while I was on XXXXXXXX XXXX XXXX XXXX XXXX XXXX prior to my returning to work. They then proceeded to cancel my insurance that was covering these last month. One of the representatives contacted me and I explained to them the situation. He said he wouldnt contact me again for 90 days Except he continued to call 15 times since that initial call and when Ive asked him politely the first couple times to wait until I figure something out myself because nothing is going to change currently he said he would call again in 90 days that was last week now in that time Ive had 15 to 20 text phone calls and emails that Ive seen so far. When I call in again to try and talk to someone when I get laughed at by one representative who doesnt understand why Im upset and the other representative tells me oh thats not what I told you last week it doesnt matter the harassment needs to stop. I will take care of it when I can afford to take care of it but thanks to the political turmoil of the last eight years. I am unfortunately not able to take care of it currently.
Product: Debt collection

First call I received was an automated message requesting a call back. I never consented to ADAD calls to my cell phone. I called back and found out they were looking for my brother. I told them not to call me again that this was not a good number for my brother. Since the first call, I have received atleast 3 more calls, all of which I explained that they should not be calling my cell phone from a dialer, and that they should not be calling me at all because I already told them this was not a good number. Yesterday I explained that I work in the same industry, and every call is a violation of the TCPA and FDCPA, and they need to update their records to stop calling me. Then today they called again! I again informed the representative and the manager of the issue, and they just said they would update the record. However this isnt just about ME, as I spoke to more than one rep, this seems to be a training issue or a systems issue.
Product: Debt collection

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX  / {$14000.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One, XXXX. Box XXXX, XXXX XXXX XXXX UT XXXX I pulled my credit report and it showed a hard inquiry from Capital One. I contacted Capital One back in XXXX and they advised it was definitely fraud and they would forward a letter to the credit bureau to advise of the error and it would take approx. 90 days to resolve. I called after the 90 days and the issue still and the issue has still not been resolved. I phoned Capital One again and they advised I would need to provide a copy of the credit report! I asked why as they admit it was fraud and it was on their end. 

I need assistance getting this hard inquiry removed.
Product: Credit reporting or other personal consumer reports

Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. fraudulent account are as following : XXXXXXXX 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 XXXXXXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.