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

On my XXXX bill from Barclaycard there was a charge of {$1500.00} made on XX/XX/2020, from XXXX ( some weird company I've never heard ) of located in the state of Georgia ( I live in Florida ). I immediately contacted Barclay 's and told them this charge was fraudulent and they issued a refund and cancelled my card sending a replacement. They sent me a letter saying their initial fraud investigation showed I was not liable for the charge. In a few weeks, however, they reissued the charge, saying their " proof '' I made the charge was the company had my address ( no proof of what services provided or anything shipped to me ). I told them I would NOT pay this, that I did not receive any services or items from that company. I asked what actual proof they had for this charge ( so I could dispute it ). They then started another ( real? ) fraud investigation and on XX/XX/XXXX said they would resolve this in 45 days ( business days? I did not know how long to wait so I waited until now before proceeding ). I still have not received any report or final conclusion from them, and I can categorically state I have never received any services or items from that company and would love to see proof otherwise. However, I keep getting monthly bills from Barclay and the interest now is adding up ( my bills with all my credit cards are always paid in full and the only time I ever used my Barclay card prior to this was for purchases from XXXX ). My credit for 50 years has always been exemplary and this is unacceptable behavior on Barclay 's behalf.
Product: Debt collection

On Monday XX/XX/2018 my previous employer said that Trenton loans contacted them asking my whereabouts, if they knew I was working. He said they told him I dont need to dodge them. Theyll work with me if I call them and let them know my situation, they said they havent sent anything to collections yet. They told him they wan na try to work something out with me before that happens. They asked for my number, They said that the letter isnt a suing letter its a 10 day notice and they wan na work something out with me so they dont have to send it to collections. 

After this conversation with my previous employer, Trenton Loans called me. The ladies name is XXXX XXXX, she said that they were needing payment. I explained to her that I was unemployed now since XXXX, that Id been evicted from apartment and living house to house, and just gotten out of the hospital from having XXXX on XX/XX/2018. I told her that I had no way to pay them. I told her that I was aware that she had called my previous employer and that she had released all my information to him violating ethical practices for collections. She said that I shouldnt have put him down on the application, I told her that regardless of who I put down, that by law she is only allowed to tell a third party that they need me to contact them. No financial details can be released, they cant even say that they are collecting a debt or that Im behind or that there is a loan, She hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX, XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX ) XXXX, XXXX  XXXX, and XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX have 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 an account without my written instructions.
Product: Debt collection

I XXXX XXXX asking Comenity Bank for VALIDATION
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Thank you for service. 

This complaint is concerning a XXXX XXXX credit card account. This account was opened XX/XX/XXXX. It reports on my consumer file as XXXX. This account was closed and charged-off as a bad debt and sold to XXXX ( XXXX XXXX XXXX ). I paid the account if full to XXXX XX/XX/XXXX. They in turn removed there mark from my consumer file. This account is closed and reports to TRANSUNION ONLY as CLOSED, PAID IN FULL by XXXX XXXX and still remains on my consumer file today. 
A cancelled debt or a charge-off is considered income according to the most recent IRS instructional publication. Furnishers of information are required to report debt to the consumer reporting agencies, not income. Why is this account still being reported? XXXX XXXX never sent me a 1099c. 
15 U.S. Code 1681s-2 clearly states the duty of furnishers of information. Its states they shall not furnish any information relating to a consumer to any consumer reporting agency if the person ( corporation or company ) knows or has reasonable cause to believe that the information is inaccurate. I have put them on notice numerous times. I have disputed this account personally over 10 times and have hired 2 separate companies to get this item remove from my consumer file. The inaccurate reporting of this account has been detrimental to me and my familys ability to obtain credit and to qualify for a XXXX Veteran Home Purchase. I am demanding that XXXX XXXX remove this inaccurate and invalid information from my consumer report because they are in clear violation of the law. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to : 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.

According to : 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, credit repair services, or other personal consumer reports

I have tried to contact Experian to reset my log-in and password and have not been successful. I have called 6 different phone numbers in that company and all have the same voice mail message and prompts. Not one option is to reset log-in and password. There is no option to talk with a live person. I want to reset my log-in and password so i can unfreeze my report. I have sent them a letter 4 weeks ago and have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX 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.

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: Debt collection

I have requested information on the debt via phone, credit report dispute, and letter. I have not received any information about the debt. The number provided on the credit report was not helpful as it wanted an account number before connecting with a representative. I have tried contacting general customer service for Bank of America and the representatives have sent me to the wrong department each time. This is hurting my credit rating and affecting my life.
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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # 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 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 I will like to state that I did not open or apply for these accounts. I have reached out to these companies to take these accounts off my credit reports. I never used my SSN to apply for these accounts
Product: Vehicle loan or lease

Bank of America had provided me with a car loan that was linked to my ex-boyfriends ' bank account. Every time I tried to make a payment. It was near impossible because they require that I provide them with my ex-boyfriends credentials and due to me not having this information the system and operators kept rerouting my calls ; " the run around ''. After a few calls there were times that I had to wait for days for a call back from the company so they could accept a payment. At times I made double payments just to avoid the hassle of having to commit so much energy and time to keep my account updated. In between the months of XX/XX/XXXX and XX/XX/XXXX I reached out to the company to make a payment and the operator stated she will have someone call me back to be able to process the payment because once again I did not provide them with my ex-boyfriends personal information. Finally, when the company called me back it was their collection department that demanded a payment and that " they did not care where the payment was coming from as long as they get a payment ''. I explained my situation to the operator and agreed to make a payment, but their system had reported inaccurate information on my credit report " delinquent ''. the operator said " that no one, has the authorization to correct this error ''. but she will noted on the account for someone to call me back. when I received several call backs from the company, everyone stated the same argument. " that there is nothing they could do '' I currently have some of the recorded phone calls with the various operators harassing me instead of trying to find away to fix the problem. due to their negligence of recording accurate information on my car loan in a timely manner, placed me under the category of delinquency because of this interpretation I was denied credit which accompanied an economical depression and tremendous emotional damage a violation in ones investments aspirations. Even though there is an insufficient compensation amount set for emotional damage referred to as " pain and suffering '' therefor I am in the pursuit to restore some of the damage in regards to the restoration from defamation of character on my credit report which caused a financial set-back.
Product: Debt collection

My issue lies mainly with Experian. In XXXX Experian reported a, {$810.00} XXXX XXXX bill from XXXX, adding that the bill was discharged in bankruptcy. I have tried in vain to get Experian to remove this statement from my credit report. After a great deal of effort, I succeeded in speaking with a live person at XXXX XXXX, who admitted they could not report a debt discharged in bankruptcy and would correct and update this account. I have disputed this TWICE with Experian, but I only speak with customer service reps who live outside of the United States. They insist that they CAN report a debt that has been discharged in bankruptcy. This has caused two potential creditors for a loan I need for major home repair to decline credit, stating that Experian reports I have, or am about to file bankruptcy.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX
Product: Checking or savings account

Money was fraudulently taken from one checking account through Chase to my other Chase account then a wire transaction was done without my consent. I have case # XXXX. Chase claims it was my fault for not protecting my phone and by me using the online banking system outside my home. {$4700.00} was sent to a bank in XXXX, FL and since they couldn't retrieve the funds I'm out of luck. Please help. I've been with Chase over 30 years and have never done a wire transfer. I am attaching emails and call logs showing how I tried to stop the wite transfer which Chase claims are all fraudulent emails.
Product: Student loan

I had private student loans with XXXX XXXX that were sold and transferred to Firstmark around XXXX of XXXX. I am currently in XXXX  school, and some of my private student loans from my undergraduate college loans had run out while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data. I was last approved for this in XX/XX/XXXX with Clearinghouse data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX 's message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website ( XXXX XXXX XXXX/ ) as well. My loans have been consolidated, refinanced, or otherwise modified with Firstmark so XXXX 's terms should still be in place. 

By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, that they should have on file. I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Under the provisions of the Fair Credit Reporting Act XXXX specifically 15 USC 1681 section 602 a, it is unequivocally stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy. 

As the consumer in question, I am asserting my right to ensure that my private information remains confidential, as reinforced by 15 USC 6801, which declares that financial institutions have a continuous obligation to respect customer privacy.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which is in accordance with the written instructions of the consumer. It is imperative to note that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Equifax and XXXX, XXXX, lack my consent and certainly do not possess my written consent to furnish this information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how they can exercise the nondisclosure option. The ( Furnisher of information to credit agencies ) failed to inform me of my right to exercise this option, thereby violating the law. 
The reporting of adverse information without my permission is also a breach of 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years. Equifax and XXXX are in violation of this provision. 
Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A asserts that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax XXXX and XXXX are falling short of maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, which requires consumer reporting agencies to have procedures designed to avoid violations and limit the furnishing of consumer reports to specific purposes.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/year> First Point Collection Services Re : Cease and Desist Communication Request / Debt Validation Request ] Dear First Point Collection Services, I am writing to you regarding a phone call I received today, [ Insert Date ], at XXXX AM from your company using the number XXXX ( XXXX ) XXXX. If this communication is an attempt to collect a debt, I am formally requesting validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under this law, I request the following information be provided to me in writing : 1. The name and address of the original creditor.

2. A detailed statement of the account, including the amount of the debt and any interest, fees, or other charges.

3. Proot that you are legally authorized to collect on this alleged debt.

4. Documentation supporting the legitimacy of the debt, such as a signed agreement or contract.

Additionally, under 15 U.S.C. 1692c ( c ), I am requesting that all communication with me be ceased immediately unless it pertains to providing the requested information or advising me of specific legal actions. I do not wish to receive any further calls, written communication, or any form of contact from your office regarding this matter. 
Please be advised that failure to comply with these requests may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Thank you for your attention to this matter. I look forward to your prompt and complete response within the required time frame. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX
Product: Money transfer, virtual currency, or money service

Issue started on XX/XX/XXXX. 

Coinbase app. 

I was studying fees on the app. 
I put in an amount more then was in my checking account. ( normally, with any other payment method i had used up untill this point, it would just reject a charge like this. ) Apparently with a checking account it goes through no matter what and will even draw the account into the negative. The amount was 1,000 's of dollar 's more than i could affort ( again, i was studying how the fees worked, if it was an exact percent, or how it scaled to the amount, and payment method. ) This is what i was trying to do/understand. 

So i had no other choice but to contact my bank and put a stop on that one charge. 

I still have funds and other payment methods i would like to use to invest in crypto currency. But being locked out of coinbase, also locked me out of XXXX. And it seems every other USA based bitcoin  purchasing avenue. 

I can understand how this is a problem for coinbase. But there was no explination ( that i saw or have seen ) that a charge to the checking account was capable of over drawing my account. Every other payment method simply doesnt go through if the amount exceeded funds/limits..