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

PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 3 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Equifax concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND EQUIFAX NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION ACCORDING TO FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). Consequently, Equifax responded to my letter on by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX  dollars because Equifax DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX. Also this item is OUTDATED, because it is ( 18 ) years old and the information keep reappearing and or never goes away.
Product: Debt collection

I XXXX was taken in an ambulance. I was told by the clinic/hospital that my Health Insurance will fully cover the ambulance ride or service. I recently a bill from a Debt collector.The amount is for $ {$710.00} ... I was falsely given information about my coverage..
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Self/lead Bank ) has continued reporting information on the consumer report. Information that is being reported is considered income. Notice was sent to company revoking any and all authorizations that the consumer may have given the company. Self financial XXXX XXXX file number XXXX, said company is securitizing securities given by consumers. The proper accounting and reporting shall be done to correct this issue by law. If this is not done by said company I will invoke arbitration with Self Financial with evidence from financial forensic audit on behalf of the consumers account and contract agreement that details accounting on public and private side of such account. Also on the consumer behalf file form XXXX XXXX due to Company failure to properly report and give consumer proper documentation that such reporting was done per IRS publication XXXX, providing consumer with their copy of 1099 C that was filed for this charged off debt.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXXXXXX XXXX XXXX XXXX {$39000.00}XXXX XXXX XXXX  BA balance {$0.00}, XXXX XXXX XXXX XXXX {$15000.00XXXX XXXX balance {$90.00}, XXXX XXXX XXXX {$930.00}.
Product: Credit reporting 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. 

Account Name : 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 

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.
Product: Money transfer, virtual currency, or money service

I refer you to East West Banks response dated XX/XX/2021, in relation to the above-captioned subject. In that letter, they declined my complaint. 
Given my own commitment to sensible approaches to coping with situations of this nature, and my ( perhaps XXXX ) belief in the system, I had high hopes for East West Banks letter to deliver novel, practical, and helpful insights on the matter, which it summarily fails to do. 
I find it baffling and reprehensible that my money has been so egregiously misused in a fashion that violates Good Industry Practices, which call me to defend my rights.
Product: Debt collection

I did not take a loan out with this company and It on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. The XXXX XXXX  account reporting on my credit report is incorrect, inaccurate, and false. Experian responded by updating and modifying the XXXX XXXX account. I did not sign any such credit contract agreement with XXXX XXXX containing my full social security number and accurate signature where I granted permissible purpose for a credit application and to Open an account with XXXX XXXX that would be enforceable to Verify, Close, or Charge-off an account with a Balance in my name to be reported on my personal credit report. 

XXXX XXXX has no right nor authority to transfer or sell this account to XXXX XXXX XXXX, to enforce payment from me, or to collect on a debt owed to XXXXXXXX XXXX. XXXX XXXX XXXX fails to validate how debt is owed by me to XXXXXXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. XXXX XXXX XXXX nor XXXX XXXX are not my creditors to enforce payment. XXXX XXXX XXXX lacks enforceable security interest.
Product: Credit reporting 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 XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX XXXX account XXXX, name : XXXX account 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 1681i ( 5 ), they are supposed to modify accounts that aren XXXX XXXX XXXX  ; t reporting correctly. 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: Mortgage

Navy Federal Credit Union is egregiously slow in processing my XXXX benefits. I have made every payment on time. I get paid on the XXXX and the XXXX and my mortgage wipes out the entirety of my first paycheck. I contacted Navy Federal to start paying half on the XXXX of the month and half on the XXXX of the month and they were unwilling to work with me, a customer of 16 years.
Product: Student loan

I submitted a request for a deferment to begin XX/XX/XXXX, along with supporting documentation. My request has been rejected several times although I have sent in sufficient documentation. The first document that I sent in was dated XXXX XXXX, however it showed that my benefits received from XXXX agency were ongoing..I also included my dependents insurance card showing new coverage would go in effect starting XX/XX/XXXX ( which is within time period of my deferment request ). Rhose documents were denied, and tep stated letter needed to be dated within 30 days. I explained to rep that XXXX XXXX  agency could only provide me with most recent letter that went out regarding my benefits ( that letter was dated XX/XX/XXXX, and once again showed that benefits would be renewed effective XX/XX/XXXX ). My second letter of documentation has also rejected..although it clearly shows that I am currently receiving benefits through a government agency, and benefits went into effect during time of deferment request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon I called XXXX to dispute a few items that are incorrect are my credit report and just received my updated one and the items are still on there. If you could please resolve this I would greatly appreciate it as I am trying to secure an apartment and I need to have a clean credit report. It is very important that the items are updated properly on my credit report. 

The first problem is my current employer does not show on my credit report. My current employer is XXXX. I started working there from XX/XX/2021 to the present. My current title is XXXX at XXXX. Please update accordingly. Also, please note that the previous employers that are on my report are correct. The only issue is that the current one is not updated. Would you please be sure that all three credit reports reflect this. 

The second item in question is XXXX XXXX XXXX in the amount of {$1000.00}. This HAS BEEN PAID IN FULL. Would you please update all three reports to be sure this is reflected that it has been paid in full. 

The third item in question is XXXX XXXX XXXX CARE OF XXXX XXXX XXXX in the amount of {$330.00}. Please be aware that this has BEEN PAID IN FULL. Would you please be sure all three credit reports reflect this? XXXX, XXXX and Experian. Thank you! 

The fourth item in question is XXXX XXXX XXXX in the amount of {$480.00}. Please be advised that THIS HAS BEEN PAID IN FULL. Would you please be sure to update all three credit reports to reflect this? XXXX, XXXX and Experian.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XXXXThe following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting.
Product: Money transfer, virtual currency, or money service

I received a fraudulent email from " Zelle '' on XXXX XXXX, XXXX  during what I believed to be a secure business transaction via XXXX XXXX. ( sale of furniture ) Th email indicated that I had been transferred the requested amount of {$1000.00} and that in order to receive the payment from the business account ( payee ) I would need to submit {$400.00} to the Zelle agent account, then would have a credited balance of {$1400.00}. 
Email indicated my account was not ready for deposits and needed to be expanded to receive funds from " business accounts. '' The ( my ) deposit would start the process of insuring my account/certificate form. 
After following the instructions from the " Zelle '' email, I received a 2nd email instructing me to deposit an add'l {$600.00} so my avail balance would then be {$2000.00}. All money to be made avail immediately. I contacted my XXXX  immediately - XXXX XXXX XXXX XXXX and asked them to stop processing the {$400.00}. They opened a fraud claim with Zelle and let me know yesterday ( XXXX XX/XX/XXXX ) that Zelle will not be refunding me. 
I contacted Zelle, and they stated it was a XXXX  issue, and referred me back to XXXX. 
Emails received have " Zelle '' logo/trademark and comes from " Zelle '' when clicking on " Zelle '' anywhere within the email- it takes you toa Zelle website XXXX 

I reported the user to XXXX as Scam/Fraudulent, however, they claim her account is valid. 

XXXX User name : XXXX XXXX ZELLE XXXX name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - Enrolled as XXXX Email : XXXX fake ZELLE email generated from : XXXX ( this was masked )
Product: Mortgage

Shellpoint keeps playing games and has not shown where they applied three partial payments I made to my mortgage last year. These amount were XXXX each. They received HAF funds and applied full amounts from HAF ON TOP of the partial payments. When I have asked them to rectify this they claim they took the 3 partial payment and added them to the HAF total and then paid out other months. No proof and nothing reflects this. Addtionally shellpoint agree with state of maryland ot bring loan current. They received funds XX/XX/2023 and then attempted to still bill me fully for that month which is not what they agree to state of maryland. so there is XXXX give or take that they need to credit me. Addtionally they PROMISED the state of maryland HAF dept that they would not raise my interest rate and would work on lowering monthly payments. instead they drastically raised my rate a huge amount. 

as of XX/XX/2023 they keep sending me the wrong amount do every month since XXXX.
Product: Credit card

Dear CFPB Representative, I am writing to file a formal complaint against American Express regarding the improper handling of my credit card accounts ending in XXXX. Despite repeated attempts to resolve these issues directly with American Express, they remain unresolved, causing significant inconvenience and potential financial harm.

Summary of Issues : Denial of Negotiable Instruments : American Express has been denying my negotiable instruments sent via registered mail, despite these being backed by the full faith and credit of the United States, as per 31 CFR 328.5 and the Indenture Agreement.

The Indenture Agreement defines " Eligible Investments '' to include negotiable instruments, which are guaranteed by the United States and should be accepted as payments.

Improper Payment Demands : American Express has unlawfully demanded payment in Federal Reserve Notes ( debt notes ), contrary to the submitted application used to open the account. This application, containing my personal and private financial information, acts as a financial asset, promissory note, and security satisfying each monthly obligation, as stipulated by 12 CFR 360.6 and 17 CFR 260.11b-6.

Article 1, Section 10, Clause 1 of the United States Constitution mandates that only gold and silver can lawfully discharge a debt, rendering the demand for Federal Reserve Notes improper.

Unauthorized Use and Securities Fraud : My application and personal financial information have been converted into asset-backed securities and traded on the secondary market, contrary to American Express 's statements to the SEC in their 424B2 prospectus.

This action constitutes securities fraud, money laundering, and racketeering, as American Express had assured the SEC that they would not trade these securities.

Failure to Perform Fiduciary Duties : American Express has breached their fiduciary duty under U.C.C. 3-307 by not managing my account equitably and failing to accept my lawful payments.

The use of my financial assets without providing any tangible benefit to me is an unauthorized action.

Prospectus and Indenture Agreement Violations : The prospectus ( Form 424B2 ) and Indenture Agreement stipulate that the securities related to my account would not be listed on any securities exchange or automated quotation system. However, this commitment has been violated, evidencing deceitful practices.

Credit Report Impact : American Express has not updated my credit report for the payment received in May, which could potentially harm my credit standing. Despite tendering payment on time each month, they have failed to reflect this accurately.

They credited my account for the full amount and then reversed it, but have yet to return any of my instruments.

I have appreciated the services provided by American Express and have sought to resolve this matter amicably and equitably. However, their ongoing failures compel me to seek your intervention to address these violations and ensure compliance with applicable laws and fiduciary duties.

Thank you for your prompt attention to this matter. I look forward to a fair and timely resolution.
Product: Payday loan, title loan, personal loan, or advance loan

There is no statute of limitations when it comes to fraud they are committing fraud if they take my social security number & dont extend any type of credit if its not in my benefit that is considered fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Indiana XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX RE : Adverse action I, the consumer & natural persons, was denied credit by advanced America When I applied for a loan According to the equal credit opportunity act adverse action against a consumer is against the law which is codified in 15 usc 1691c & is pursuant to civil liability under 15 usc 1692k Due to the response I received by advanced america you are subject to criminal liability for violating 15 usc as I have proof I was discriminated against due to the response I received. 

Advanced america is in violation of 15 usc 1642, 15USC 1681M and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued Furthermore, because my social security number which according to 15 usc 1602 ( I ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Advanced america If advanced america fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make advanced america criminally and civilly liable for all actual damages pursuant to 15 usc 1681n and 15 usc 1681o I will also follow up with an invoice for said violations ( $ XXXX ) Thank you XXXX XXXX XXXX XXXX XXXX. All natural inalienable rights reserved.
Product: Credit card or prepaid card

I went to make a purchase for approx  XXXX  fro   XXXX   and I received a text message for verification. I responded with yes and I was told I had to call. I called and verified all of my information only to be told they still declined my card and If I wanted to use the card I would have to stay on the phone while I was making the transaction. I asked why did I have to do that and they said it was to  protect Chase.  I asked them why do I pay a yearly fee of  XXXX  to  XXXX  if I cant use the card at will. I was placed on hold for ov er 35 minutes only yo keep getting transferred. The CRS representative even referenced that a type of   purchase my have been because of my culture referring to me being of  XXXX   XXXX  decent. I asked to speak to manager and the manger was no help at all. I had to end up spending more money to get the same items and it was a difference of  XXXX . I thin k Chase should a t least credit my account for the yearly service for all of the inconvenien ce and racial under tones.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, ERC ( Original Creditor : XXXX XXXX ), and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ERC ( Original Creditor : XXXX XXXX ), and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( XXXX. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the XXXX owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property