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

I am filing this complaint regarding multiple violations of my rights by experian, equifax and TransUnion for violating my rights under the Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ) which have resulted in inaccurate reporting of my credit information and the unauthorized disclosure of personal data. I believe these violations are in breach of the Fair Credit Reporting Act ( FCRA ) and other privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ). 1.

Violation of FCRA Unauthorized Reporting of Bankruptcy ( 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ) ) My chapter 7 and chapter 13 bankruptcy was reported to the credit agencies without my authorization. According to FCRA regulations, consumer consent is required to report information of this nature. I did not provide consent to the reporting of my bankruptcy, nor was I informed of my right to opt-out as required under 15 USC 1681 section 604 ( a ) ( 2 ) im demanding both bankruptcy which was dismissed and discharged may be deleted with all the accounts reporting included in bankruptcy which is a violation of fcra XXXX XXXX # XXXX & XXXX XXXX # XXXX
Product: Credit card or prepaid card

Capital One offered a 4 % cash back deal if I purchased something using their website link and credit card. I did that and only received 1 %.
Product: Checking or savings account

During Covid-19 this XXXX of 2020, and even before the pandemic I opened an account in order to purchase a home for me and my family. While doing so, I had utilized some spam I had in my account and decided to utilize a Hotel membership I had never been interested in utilizing. I have paid the Company in amount ( s )  not exceeding {$15000.00} while traveling, seeking, advocating just fair housing rights and public rights administration
Product: Checking or savings account

So roughly in early XXXX I noticed a couple fraudulent charges of roughly XXXX $ on my debit card from an app called send app I was able to dispute them and receive my credit. I left my account unnoticed for a while to which when I returned to check for the credit from the other dispute I am bombared with hundreds of charges from a company called XXXX XXXX which totaled roughly XXXX XXXX Roughly around the XXXX of XXXX. I quickly call TD Bank to dispute the charges to which the customer service files them incorrectly which I spend the rest of the month fixing as well as filing more disputes because some of them are not cleared yet. However I am Suprised with a letter stating that my disputes were denied under investigation that I verified the transactions in which I did not. I make a call back to re dispute the claims in which they ask for a police report which I gladly file and fax on the XXXX of XXXX. Finally in the most recent couple days the re file was denied and then they ask for a affidavit that I did not verify the transactions which I happily do but the company had completely blocked me from appealing the dispute
Product: Debt collection

I have been receiving harassing calls from what I assume is a debt collection company named Northeast Resolutions , Inc. they have been contacting me and my out of town family stating that they are attempting to deliver certified mail however no attempts ever arrive from the USPS. They have accurate contact information however they continue to reach out to my father in an attempt to shame me into engaging with them for what ever purpose they have. They have yet to state that they are attempting to collect a debt, Ive contacted them back at the telephone number they provided and they answered the telephone stating that they were the XXXX XXXX  Police Department and have provided various company names. They are not licensed to engage in debt collection activity within the state of Arkansas. They will provide no information regarding the nature of the contact other than that they are attempting to deliver certified mail. They have violated the FDCPA repeatedly and have multiple online complaints that are near identical to what Ive stated above. Ive filed BK and they need to comply with the automatic stay and validate their debt or face contempt charges. they need to cease and desist all attempts at contact to myself, my family, friends, or place of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates, LLC is in violation of FCRA and FDCPA regulations by a reporting a collection account ( xxxxxxxxxxxxxxxx 8117 ) in the Other section of my XXXX  credit report. FCRA law mandates that all collections must be reported and designated to the Collections area of credit reports.

Portfolio Recovery Associates, LLCs wanton disregard for the law has been ongoing, and the attached documents of my most recent XXXX report ( XX/XX/2021 ), prove that Portfolio Recovery Associates continues to incorrectly report this collection account.

The first document shows that Portfolio Recovery Associates, LLC is reporting in the Other section of my XXXX  credit report. The second document shows no collections under the Collections area of my XXXX credit report, which is where this collection is lawfully mandated to be reported.
Product: Debt collection

'Capio Partners ' of XXXX Texas is attempting to collect a debt for 2 doctor 's visits in XXXX. Both are billed separately ; both are billed on the same date. One is for {$79.00} and the other for {$120.00}. 

I never have been to a doctor who I have not paid. Also, if I go to a doctor, they usually collect the money first. 

I have no idea what this charge is about and neither does the collection bureau. 

This notice of approx. {$200.00} was mailed to me on XX/XX/XXXX. 

Before this I had a credit score in the high XXXX 's. Now it is in the low XXXX 's. 

I was advised of this infraction when I spoke to XXXX and XXXX. Both told me that would accept my business, but both referred to my rectifying this fraudulent charge. 

Please help me with this. 

And, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Product: Credit reporting or other personal consumer reports

The Sheriff 's office of XXXX, FL, attempted to contact Citigroup with the processor in person XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX contact number is XXXX E-mail XXXX, was unresponsive to the authority of the Sheriff 's office and did not comply with the laws, rules, and regulations of the jurisdiction. He refused to cooperate in Citi 's best interest and directed us to XXXX XXXX, who was equally uncooperative and did not follow the laws, rules, and regulations in Citi 's best interest. XXXX XXXX even denied her association with Citigroup despite using Citi 's e-mail systems and representing herself as a Citi employee by contacting and corresponding with us using the contact information below. It is imperative that Citigroup takes appropriate actions to address these issues. 


XXXX XXXX - XXXX XXXX did acknowledge that the documents were indeed served via her fax and confirmed over text messages. We were also confirmed via the " successful '' transmission of the served documents. However, XXXX failed to provide the contact information of the " legal team '' or the time frame when the legal team would execute and contact us regarding their due diligence to be in the best interest of Citi. It is imperative that corrective action is taken immediately to address this issue. 

XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX also contacted us from another number, claiming that her cell phone of XXXX XXXX and XXXX 's actions are clear instances of misrepresentation and non-cooperation and pose a significant risk to Citi 's operations and reputation. Their actions have the potential to tarnish Citi 's image and credibility. It also appears that XXXX and XXXX have made unreliable and false promises to the XXXX 's office and XXXX by stating that the " legal team of Citi will reach out to you. '' However, XXXX and XXXX could not provide a specific person or persons or their contact number within a reasonable time frame. It is becoming evident that folks such as XXXX and XXXX within Citi are misrepresenting themselves ; if they are indeed Citi employees, they are not representing Citi accurately and are spreading misinformation, disinformation, obstructing and evading the process of executing laws, rules, and regulations, and not in the best interest of Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/2018, {$400.00} PAID IN FULL, yet credit report shows " Account charged off {$400.00} written off ''. 

XXXX XXXX - XX/XX/2018, {$350.00} PAID IN FULL. Credit report shows " Account charged off, {$500.00} written off '', which is completely false! The account was paid and {$500.00} was not the balance and was NOT written off! 

XXXX/XXXX - XX/XX/2018, {$450.00} PAID IN FULL. Credit report shows " Paid, Closed, {$450.00} written off '' Med-1 Solutions - XX/XX/2018, {$160.00} PAID IN FULL. Credit report shows " Collection account. {$160.00} past due ''
Product: Credit reporting or other personal consumer reports

there are multiple hard inquires that was not authorized by me. I have reached out to the credit bureaus to try to get this problem fix and no help was offered.
Product: Credit card

I am retired. My wife travels XXXX XXXXXXXX XXXX XXXX XXXX. We chose our credit cards, because they provided the inducement of insurance coverage for rental cars, which we use when we travel. 

My wife reserved a XXXX XXXX in XXXX XXXX XXXX XXXX for XXXX on her VISA card. I picked up the car and paid the balance with my XXXX. The XXXX rental agreement number was XXXX. Car unit # XXXX. 

On a summer trip to XXXX, I parked our rental car in a private parking lot near the XXXX XXXX XXXX. When we returned after our family visit, the back end of the car had been damaged. There was no note and no attendant. We called the local police and the rental car agency, as required in the rental agreement. In our 40+ years of renting cars, neither of us has ever sustained damage to a rental car. ( In that same period, the card companies have earned {$50000.00} to {$100000.00} in merchant and service fees from our cards. ) The estimate of damage from the XXXX XXXX was just under {$5000.00}. 

We filed a claim with XXXX ( claim # XXXX ), our card insurer. The claim is under {$5000.00}. XXXX is refusing to pay, because the reservation was made with my wife 's XXXX XXXX  and my payment ( for use of the vehicle ) was made with the XXXX. 

We have been loyal paying customers of these credit card providers for 40+ years. The inducement offers that caused us to accept these cards said nothing about coverage being void if we reserved with one card and paid with another. XXXX has sent me some " fine print '' ( which old folks can't even see ), that refers to this loophole. When we realized they were stonewalling, we contacted XXXX to see if they would pay. They said that since we didn't file the same claim within 60 days, they were not responsible. 

We think there must be thousands of families who likewise think they've got rental car liability coverage from credit cards, when the truth is they don't. XXXX and XXXX are looking for ways to avoid payment, even after we've paid them exorbitant fees for decades. Please investigate. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute 5 negative and fraudulent accounts located on my XXXX credit report to no avail. They have even maliciously denied me the ability to dispute these items online and refuse to process my mail in disputes. They are continuously violating the FCRA.
Product: Debt collection

On XX/XX/2017.I requested a copy of the deed for a timeshare.So one supposedly had award or given to me.I don't know anything about a owning a timeshare.Its not my timeshare.Its not my property even through my name is on the deed.I have spoken to XXXX XXXX XXXX who is the Account manager for this account.I have already disputed the account with them XX/XX/2017.They are telling me I have dispute this again.This is a grave violation of the FCRA and the FDPA.They think this is a jokes.I am requesting that they remove this off my credit reports and send this back to XXXX XXXX XXXX for an investigation of Fraud and Forgery.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX 1 ) XXXX Report Account # XXXX Original XX/XX/XXXX Account Status Closed Payment Status ******* Paid, XXXX balance ******** Status Updated XX/XX/XXXX 2 ) Equifax Report, Account # XXXX Original Creditor Date OpenedXX/XX/XXXXAccount Status Closed Payment Status Pays account as agreed Status Updated XX/XX/XXXX Usage Balance {$0.00} Balance Updated XX/XX/XXXX3 ) Transunion shows derogatory and a charge off. 
Account # XXXX Original Creditor Company Sold Account Type Installment account Date OpenedXX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXXPlease update the credit report with Transunion as this account is in good standing. I paid as agreed and I should not have a derogatory mark on my report. 
XX/XX/XXXX Thank you, XXXX XXXX XXXX
Product: Debt collection

A XXXX account was opened in my name in XX/XX/XXXX. I closed my previous account with XXXX XX/XX/XXXX with a XXXX balance. I was contacted by CBE Group in XX/XX/XXXX in an attempt to collect {$200.00}. After disputing the claim by sending in the required documentation, I was told this was an error on the biller 's part and it would be resolved. After experiencing several months of XXXX XXXX score exceeding XXXX ; it dropped to XXXX in XX/XX/XXXX. Upon investigation, I learn that this debt collection had been reported to the credit bureaus by XXXX. The current debt is {$210.00}. I am currently seeking relief.
Product: Debt collection

Dear ALDOUS & ASSOCIATES, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. To ensure accuracy and compliance, please provide me with the following : 1 ) A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 2 ) A detailed statement of the amount owed, including any fees or interest. 3 ) Evidence that this debt is within the statute of limitations. Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a account with Coinbase under the email address XXXX for someone reason my saved password does not work I am unable to trade or use my account for almost two years. I submitted for a password reset several times where it sends me a email with a broken call to action button, the last time i received any contact from the support team they asked me to create a new longin account which makes so sense since my current account has my wallet with all my funds, I have not been able to to trade or reap profit from the value gained in my XXXX  which is unfair
Product: Credit card

2 months ago I received an XXXX Chase Credit Card that I did not apply for. I immediately called Chase customer service to report my concern/close account. Chase customer service sent me to their fraud department. They asked me a series of questions, they put an alert on my account. I have XXXX credit card XXXX chase visa card through XXXX rewards program ) and sent me some free fraud education material. I checked my credit report, nothing popped up on there as of XX/XX/XXXX. I am not an amazon member, my wife is. 

I just received a phone call from Chase today ( XX/XX/XXXX ) asking me if i applied for an amazon card and I said no. He started to ask questions ( personal info ) so I hung up. Nothing is on my credit report etc ... what can I do ... .who should I call. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XXXX  XXXX, XXXX
Product: Mortgage

They keep resetting the payoff and will not provide a payoff so that I can close. When I called to get a status on the payoff, they reset the clock and kicked it down the road 5 days. I have a buyer but I can not close without the payoff.
Product: Checking or savings account

I received a promotion from Discover through email stating that my account was targeted for a promotion and that if I deposited {$25000.00} in new funds into my account by XX/XX/XXXX  and held them there through XX/XX/ that I would get a {$200.00} bonus on or before XX/XX/. 

On XX/XX/, I contacted Discover to verify that if I initiated a transfer that day I would qualify for the promotion and their representative said that I absolutely would get the bonus if I went through with the transfer. Knowing that, I went ahead and transferred {$25000.00} into my Discover account online through Discover 's website. 

I did not receive the bonus by XXXX, so I called Discover on XX/XX/. They initiated an internal dispute and then I received a letter dated XX/XX/ stating that I " did not meet the promotional criteria. '' It did not say why. 

I am very upset that Discover does not honor its own promotions, and that a representative told me my account was specifically targeted for this promotion. The only reason I transferred over {$25000.00} to Discover was to receive the promotion bonus. I was mislead and lied to! This was a bait & switch. I am very upset and I'm sure I'm not the only one. Financial institutions shouldn't be allowed to do this!
Product: Debt collection

This complaint is being filed in response to the debt collection company Credit Collection Services request. The agency failed more time than necessary to investigate the issue mentioned in the previous complaint filed on XXXX.
Product: Credit reporting or other personal consumer reports

I requested that Experian Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXXThank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My newborn babys Social Security never got to us in the mail when we initially applied for it from the hospital. After contacting SSA they said they had mailed out my daughters ( newborn ) SSN and It should be in the mail but we never received it. We applied for a replacement which we got but Im worried as a father that her identity might have been jeopardized since someone might have taken her social security or it might have gotten lost from mail carrier.

I just wanted a credit report for her and if possible put a freeze on it till she turns XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was improper use of credit reporting, I have recently notice several fraudulent inquiries on my report one happening on XX/XX/2023 XXXX XXXX and one on XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I use the Cashapp to send money to friends and make occasional purchases. Sometime between XX/XX/XXXX - XX/XX/XXXX there is money that was sent to me and my balance reflected that. Mysteriously the balance was lower without any transactions. I tried to call Cashapp but there is no phone service available. I started several emails to ask where the missing funds are. I was sent a statement from them which outlines all incoming ( + ) and outgoing ( - ) transactions as well as a beginning and ending balance. The statement itself reflects that there is, in fact, missing monies of {$1100.00}. I have tried to figure out what exactly happened, but I can not pinpoint a specific transaction and I have attempted to guess. The company is slow to respond and has automatically closed several of my emails after 3 days without trying to reach me. I have been contacted by several different account specialists always changing during the process.