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

I do have a letter from XXXX as the data furnisher stating they have " REMOVED '' the bankruptcy from my report. also I have a letter from the bankruptcy court stating they do not share or verify information with credit report agencies. So please either provide me with the method of verification you used in your verification process or remove this bankruptcy from my credit file to not being in violation with the FCRA.

Ask the data furnisher XXXX or the bankruptcy court. and provide me with all the verifying process details, such as the person 's name who you have verified with, their address and phone number. 

I am providing you with a copy of the bankruptcy court stating emphatically that they do not share or verify information with any third party such credit report agency. so the response i received from Experian claiming they have verified with XXXX is a big lie, they are violating the FCRA.
Product: Checking or savings account

On XX/XX/23 I issued a XXXX TIME XXXX dollar XXXX payment to my mother which had gone through successfully. However upon reviewing my account on XX/XX/23 I get a notification of a duplicate XXXX payment on the same day even though I only sent XXXX payment and there was no issues sending the payment. I contacted both Chase and XXXX and they're giving me the run around and saying they can only submit a case to be reviewed. This is unacceptable as an overcharge shouldn't happen at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX, XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - 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.
Product: Money transfer, virtual currency, or money service

I was approached by a person who allegedly claimed they work at Abra which said if i put an investement worth XXXX, i'll earn XXXX and figure was only written on phone possibly the person just thought of the amount just to lead me into a scam. By my investigation she wasn't an Abra user according to the company. 

I started chatting with XXXX on XXXX, then later switched to XXXX chat. I tried to invest on XXXX or XXXX XXXX, so i bought cryptos of up to {$1300.00}, hoping to earn some profits. The card payments and bank transfer that i made was to buy some BTC cryptos which i bought using Abra via XXXX, so it gave a few options like XXXX and XXXX
Product: Debt collection

Asked for debt validation and to provide any and all legal documents of debt with signed in ink contracts and id of any and all involved in the company and also the person they are collection the debt on. And to mail everything to me with original paperwork not copys. I didnt enter into any contract or open any credit cards my identity was stolen after my bankruptcy and I told them this and they said they would provide all documents to me but i have not received anything with in 5 days after they contacted me and now its over 30 days since I last was contacted by them. I asked them to provide and mail debt validation because I know they can not do so and want this debt removed from my credit file and they refuse and wont validate said debt. I have talked to the original creditor and they didnt help either and sent it to collections and I disputed this with XXXX  as well and they did nothing to validate the debt either and its still affecting my credit score to this day
Product: Mortgage

I refinanced last year XX/XX/XXXX with XXXX mortgage who then sold the mortgage to Lender Live mortgage company. I received a notice my taxes were never paid and my house would be auctioned off XX/XX/XXXX. I called Lender Live on XXXX XXXX, 10 days ago. I emailed the auction notice per their request the same day, XXXX XXXX. I called them back XXXX XXXX and issue not taken care of. I called again XXXX XXXX and XXXX and they still had not resolved the problem or paid the taxes. Today I received a letter from my house insurance that my insurance was not paid either by Lender Live as it should have been thru my escrow. Also they have not paid taxes that was due XXXX XXXX. Now it appears not enough money will be in my escrow to pay all taxes and insurance when amounts have not increased and I have previously always had a surplus in escrow before. Lender Live should have been tracking my insurance and taxes as their full responsibility to pay these thru my escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender keeps charging off account every month negatively effecting my credit score. I have disputed multiple times and it is being verified as correct. I have talked with the creditor. The account was charged off on 2019
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX - XXXX - This account is fraudulent and needs to be removed off of my credit report asap per FCRA sections 605B , 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. 

Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.
Product: Debt collection

I owed one payment and was a couple days late. I called on a Tuesday to inform them I'd pay on Friday. The next day a " repo man '' arrived at my home. The car was not operable and when asked to remove my belongings I declined and requested the address of the tow yard it was going to be taken to. I was given what was later determined to be a false address. After making the final payment calls to the company were ignored for approximately two weeks. Finally I was told the car was sold the previous day at an auction. This all tool place in XXXX or XXXX. Last year, XXXX, I received two judgements against me. The first in XXXX XXXX County, the second in XXXX County resulting in a wage garnishment. I have not lived in California since XXXX and had no idea these claims were filed therefore I was not allowed to respond.
Product: Credit card

On XXXX XXXX, I received a text from USAA asking if I authorized a charge to a hotel in the XXXX. I replied yes and USAA thanked me for letting them know it was not fraud. Since I have had several problems with USAA in the last few months, I called them a couple of hours later and found out that they had canceled the payment to the hotel, a week before I was supposed to arrive, and that it was my responsibility to contact the merchant to have the charge reapplied. 

I contacted XXXX since I made the reservation through them. They eventually told me my reservation was canceled and there was no availability at the hotel I selected. I saw the direct number to the hotel on XXXX and called them directly in a panic because I thought I did not have a room. They were able to charge my card, but the damage was done in terms of the stress USAA caused by poor communication. I made several additional phone calls to USAA and also sent emails to their CEO. No one seemed to care about the issues USAA caused and they thought the issue was resolved when they replied by explaining their fraud procedures. 

Earlier tonight, I received myXX/XX/XXXX bill and it included an additional {$13.00} for my call to the XXXX. I called USAA and not only did they refuse to reimburse me for this call, but they also admitted that their fraud notification was flawed. There is no information in the text message they send other than asking if the member authorized the charge or not. They also admitted that they immediately canceled the transaction because they didn't want to be held responsible if it was a fraud. If it wasn't fraud, the member is screwed. They assume that members will know what to do, even if they are in a foreign country. USAA claims they are for XXXX but they treat people like trash and do nothing when they cause disruption to this level. I believe they need to be investigated.
Product: Debt collection

on XX/XX/2019 I received a call from a private number. The representative, XXXX XXXX stated she had some very important legal documents that required my signature and she wanted to schedule a date for her to come out and deliver those documents to me personally. I asked her who she worked for and what company issued those documents. She stated she worked for XXXX and gave me a number to call to find out who sent the legal documents. I took number given to me and disconnected the call. I then called the number listed and spoke with XXXX XXXX who stated he was retained to settle a legal issue with Confident Financial Solutions ( CSR ). He then went on to imply that I was in trouble regarding this " legal matter '' Once I obtained the account information, I asked for a physical address to send a cease and desist letter. I explained to him that implying legal consequences for collecting was in violation of FDCPA, he attempted to say that I could be in legal jeopardy, however when I told him I was going to file a complaint, he transferred me to XXXX. XXXX said he was in the financial department and attempted to imply that legally I could have a legal consequences filed against me. Once I told him I knew my rights as a consumer, he backed down agreed that I was not in danger of legal action and both collectors before him should have read my Mini-Miranda rights ( which NONE of those mentioned above did at any time during either phone call ) XXXX said he would take my number out of their data base after I told him I would speak with the original creditor to set up payment arrangements. The call was disconnected after XXXX said he would refer my complaints to management. After disconnecting the call I phone the original creditor to ask who they placed my account with, I was told the account was placed in another collection agency called XXXX XXXX XXXX XXXX XXXX I have also been given the name of another collection agency that they could be calling from as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Continued Discrepancy and Repeated Verification of Inaccurate Negative Item by Experian Dear Sir/Madam, I am writing to escalate an issue that I have been facing with Experian regarding the inaccurate reporting of a negative item on my credit file. Despite my previous attempts to resolve this dispute through Experians direct dispute process, the inaccurate item continues to be reported and verified, which I believe is incorrect and unfairly damaging my credit.

The negative item in question relates to. This account has been marked as verified multiple times by Experian, even though I have provided supporting evidence that shows it is inaccurate.
Product: Checking or savings account

Chase Froze My Account saying it was flagged, than when I contacted them they told me to provide information stating that funds that were wired to me was in a memo for someone else, when the memo had the company who sent me the funds for my Business, I contacted the senders they spoke with the bank, when the bank had told me to have them call than the Bank tells them they can not speak to them unless I signed a paper stating 3rd party consent, they still didnt fix or solve the problem or hold This was a XXXX XXXX XXXX XXXX  . They are holding my XXXX XXXX XXXX XXXX XXXX XXXX  {$50000.00} And my Checking Account XXXX
Product: Student loan

on XXXX XXXX XXXX i received a letter from XXXX stating that based on a XXXX XXXX XXXX case my loan discharge was approved in the amount of {$49000.00} a total of XXXX loans from XXXX XXXX XXXX. I called and spoke to XXXX because my credit report had new loan information for the loans listed on my credit report with amounts owed. I was told that in order for XXXX to discharge properly they had to add the balance of each load and then submit to XXXX balance each loan. After speaking to XXXX i called Mohela who my loan is with and since i had already entered into an income driven loan and consolidated i explained the letter and what XXXX had told me. I was instructed by Mohela to wait for XXXX to reach out and that the balance of $ XXXX would be adjusted correctly once the information was received. I have talked to Mohela today and they are instructing me to go back to XXXX XXXX XXXX and restart the process to get the information that i already have in order to investigate on their end. I know that my credit reporting should not be impacted by this information and i want to file a complaint. I have been told that i have to wait for this to be done because of the covid forbearance that my loan is currently under.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently transferred my student loans from  XXXX  to  Fedloans, since I qualify for the federal student loan forgiveness program due to my military service. Two m onths went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  statin g Fedloan would contact me about when it was time to submit payment. My credit score th en dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  Fedloan website, I was able to make payment for the two months  missed.
Product: Credit reporting or other personal consumer reports

Under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, and XXXX, as allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.
Product: Debt collection

I call to dispute the debt, they said they send it to me via mail, I ask for it to be sent via email. they said because it is a dispute it has to be sent by mail. I was give a reference XXXX XXXXXXXXWhen I didn't receive the document I call back they the despite was cancel, and i can try again, and then they said they cant and a letter had been sent
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Finance, On a recent review of my credit report , I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I owe CBNA ( it looks like this is my Best Buy credit card ) when I paid the FULL balance a few months ago. It shows I owe  XXXX  when the account balance is {$0.00} so I 'm just confused why this is showing up incorrectly.
Product: Checking or savings account

XX/XX/XXXX, my account had fraud actiivity. Someone ( XXXX XXXX check # XXXX ) wrote an echeck forging my name, and citizens let the check go through, when i found the fraud check, i called citizens bank and they were aware of the scam, same check number different customers. Now i have overdraft fees and citizens bank ( XXXX said they would reimbursement me for the XXXX in overdraft fees and now they said they can't until the investigation goes through. Now i am out, {$390.00} for the fraud check and XXXX for overdraft charges. The bank rep said his manager would not give me a courtesy refund until the investigation is complete which could take months.
Product: Credit card

To whom this may concern : In XX/XX/year> Synchrony Bank lowered credit limits and then ultimately closed 2 active retail cards ( XXXX XXXX XXXX and XXXX retail cards ) that were in good standing. There were no changes in my credit profile or employment status to justify them to lower limits and close them.

2 charge offs were reported to the credit bureaus which tremendously lowered my scores and credit worthiness. I paid off all balances of closed accounts in full. Synchrony Bank reported them as " Charge Off Pays as Agree ''. I've made numerous attempts to get them to rectify this issue which is affecting my purchasing power for loan accruement such as Mortgages, Auto loans, loan for my daughters wedding etc. From my research Synchrony Bank is notorious for closing active accounts in good standing.
Product: Checking or savings account

I had my card lost and my wallet missing and I have filed for fraud and Bank of America denied it
Product: Checking or savings account

I made a deposit at the ATM branch of Bethpage Federal, credit Union in XXXX, New York on XX/XX/2023. The ATM ate {$220.00} of my deposit and rejected {$55.00}. My grand total deposit was for {$1100.00}. I went into the branch deposited the {$55.00} that the machine rejected and told the teller about the {$220.00} the ATM ate. She ended up giving me a provisional credit. Then on XXXX XXXX XXXX  bethpage Federal credit Union reversed the provisional credit to my account. They completed an investigation where they denied my claim saying the ATM was balanced, and no discrepancy was found. The bank did not notify me that they denied my claim. I have never received a letter in the mail and I only found this out today XX/XX/ because I was depositing money into my childrens XXXX accounts associated with my savings account. The teller printed me out a piece of paper that was dated from XX/XX/ that I repeat I have never received in the mail. Their investigation is completely wrong. I know what I deposited. I know what the total was and I want them to pull up cameras from the ATM. Nobody will speak to me and I can not get anybody on the phone from the operations department at Bethpage Federal credit Union.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Hello! 

I have been a customer of nordstrom for over 10 years and typically I am given notification when a bill has not been paid. I was never given notice until 2 months. My automatic payment for some reason was effected. I paid right away when notified but I also had sent money previously and unsure why a late is reporting.