23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Rash Cutis and Asso. contacted myself XXXX about a debt ; I stated my medical bills were paid when I moved from CA and never received a bill they are referencing. I told them to provide validation of the debt via mail and if it was valid, I would call them back to remediate. Until then, stop calling. The guy said he could email me the bill. I responded how can you securely email my bill if that is PHI data? He said it would be encrypted. I asked how? How can an email be encrypted if I do not have a copy of the public key? he had no answer. I told him he can not send me encrypted email without the recipient having the public key. I told him that he lied to me and attempted to deceive me and he apologized. I told him to ensure that I am not called since his approach lacks the ethos that is expected in the industry. He also told me if I give him my credit card info and pay, he would make sure it was " like it was never on my credit report since he had connections to do that ''. 

The following day, I have received five calls from robots ( no one there ) and disrupting my day. I am also receiving text messages when I never authorized texts and incurring cost. I called the number after the text and asked why am I receiving texts? I was told I should not be and that they have not validated the debt. I also asked why am I getting calls if I asked to be removed? XXXX said well it was my and implied the longer I wait that it will get worse.
Product: Credit card or prepaid card

I attempted to close my account with Citi Bank on XX/XX/XXXX. They told me it was closed and sent me a refund check for over payment of {$0.00}. After receiving that check I called and asked about the return of the deposit of {$200.00} that was required to open the account, and would be returned when the account was closed and all debts were paid. They told me it would take 30 ( thirty ) days for the to send it out. That would have made it XX/XX/XXXX. I called to see if it was sent out and they told me no that it would need 60 ( sixty ) days to be sent out. I am tired of this run around. I believe they have no desire to return my deposit as I have had so much trouble with them in the recent past on over  billing and made up interest charges. Please help.
Product: Debt collection

I have continually asked this collection agency to Cease and Desist on collection activities, including removing from all three credit reporting agencies, and they have yet to comply. They have been unable to furnish a validation of debt, as the original creditor information does not match the information they are reporting. What they are doing is a direct violation of FCRA Section 623 ( XXXX ) ( A ) : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have furnished proof that not only is the amount they are reporting incorrect but it is well beyond the statue of limitations of 7 years and 180 days for collections. As this account is now XXXX since delinquency.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having suffucient funds when tranactions were authorized, I was charged fees due to lagging posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where tranctions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

Recently, i looked at a copy of my credit report and noticed several accuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is an item i am asking you to verify that it is accurate. 
ACCT NAME : XXXX XXXX XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX  XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX  XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX ACCT NUMBER : XXXX
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 / TransUnion Name of Account Account Number 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 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.
Product: Credit reporting or other personal consumer reports

I currently have my direct deposit sent to XXXX XXXX  out of California I get government benefits I have have a checking account and a credit builder account chrime advertising this credit builder they reported 2 months and stop they said it the credit bureaus not reporting my payment experian XXXX XXXX not reporting I don't understand whst is going on I talk to all these companies and they giving me the run around and I dealing with major health issues XXXX XXXX  and other major issues and. Me tying to fix my credit is stressful
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2023 XXXX XXXX XXXX Date Opened XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, Equifax, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
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 Account # : XXXX Amount : {$1000.00} I looked at my Equifax credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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 am writing to dispute the following information on my credit Report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies listed in my pdf
Product: Mortgage

This Advosors Mortgage Group it look like is not real. By mistake I applied with them for refinance my house and I received a small thank you card from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX... Inside the envelop is a little bussiness card from Advisors Mortgage group XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX NMLB # BRANCH XXXX NWLS # XXXX A+ Rating with the XXXX XXXX XXXX ... 

My personal bank account was hacked 3 times after the comunication with this people. 

I am not sure if this people they are involve too but my responsibility is report this type of issues..
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/XXXX negotiable instruments were accepted by First National Bank Omaha but were not applied to my account. XXXX XXXX kept the instruments and likely used them for their own purpose. This is illegal.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below listed are accounts that appears on my credit report that doesn't belong to me.I have not given anyone access to nanny of my personal information to apply for credit cards or loans in my name. 


1 ) XXXX XXXX XXXX -opened XXXX XXXX amount {$1700.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$440.00} 3 ) XXXX  XXXX XXXX opened XX/XX/XXXX amount {$420.00} 4 ) XXXX  XXXX XXXX XXXX opened XX/XX/XXXX amount {$5600.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$1900.00} 6 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$15000.00} 7 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$12000.00} 8 ) US DEPT OF EDUCATION opened XX/XX/XXXX amount XXXX 9 )  DEPT OF ED/ XXXX opened XX/XX/XXXX amount XXXX
Product: Checking or savings account

Hello, On XX/XX/year> Robinhood closed my paid account with no notice or refund for the month 's subscription costs. They provided no explanation or appeals process. Since then they have repeatedly dismissed my concerns, closed support tickets inappropriately, and obstructed my efforts to report their conduct to their managers. They also failed to address my previous complaint, responding with empty copy that did not resolve any of the issues in the complaint. 

I want a report of what happened, why my account was closed, who authorized it, an appeal on the basis of there being no cause, and a refund of my subscription fee. 

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

XXXX I use PayPal in order to run my online XXXX XXXX. PayPal is required in order to sell clothing on XXXX which is what I do. None of my clothing could be considered counterfeit or anything that would be considered a violation since I make a good portion of my clothes! I logged on to PayPal in order to get my {$800.00} that I have stored in there from my shop, and it is telling me that my account has inconsistencies with the user agreement and that I am no longer able to use that PayPal or create a new one. I need the money that is in that account relatively soon and I also need to have that account in order to maintain selling my clothes on my shop. PayPal is of no help and has not helped me whatsoever.
Product: Debt collection

After disputing this unlawful judgement on my credit report with XXXX to no avail. I 've sent numerous letters of debt validation to Retail Recovery Services, Inc of New Jersey and their attorney to no avail. All letters was sent certified mail to both parties with only their attorney sending the return receipt back once. This alleged debt is not a valid debt and I want it removed from my credit report. This collection agency put in a judgement against me without any valid documentation to begin with and it harmed my credit report! I am looking into suing this company if they do not validate this alleged debt.
Product: Debt collection

This company does not have permissible purpose or written instructions to furnish anything on my credit report I'm requesting a forward flow agreement better known as a purchase agreement of this contract pertaining to this alleged that I owe if this is not produced to me I demand this account be removed immediately. 

Account Transworld Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX  : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX  : Account number : XXXX, Update this account quickly. 

XXXX XXXX  XXXX | XX/XX/XXXX : Account number : XX/XX/XXXX, Update this account quickly. 

XXXX XXXX  XXXX | XX/XX/XXXX : Account number : XX/XX/XXXX, Update this account quickly. 

XXXX XXXX  XXXX | XX/XX/XXXX : Account number :XX/XX/XXXX Update this account quickly. 

XXXX XXXX  XXXX | XX/XX/XXXX : Account number : XX/XX/XXXX Update this account quickly. 

XXXX XXXX  XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX  XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



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

I have spoken with XXXX, XXXX, Experian, and XXXX countless times in an effort to have XXXX properly furnish my student loan accounts to the three major bureaus but have not had any success. XXXX continues to claim they reported my accounts to the three bureaus ( plus a fourth ) following the " transfer '' from XXXX XXXX, yet only XXXX is properly reporting my accounts. XXXX and Experian both say they have not received anything from XXXX while XXXX supposedly reports on the last day of the month with the first reporting date of XX/XX/31. Now two cycles in, XXXX and Experian still do not show my accounts. 

Per a XXXX supervisor, I provided screenshots of my credit report showing only a single XXXX XXXX account and no XXXX accounts weeks ago and still have not received any type of correspondence from the credit reporting department as I was instructed I would. 

I am attempting to buy a house, and with my credit scores having tanked because of the incompetent handling of the XXXX XXXX to XXXX transfer, I need my XXXX student loans to be reported to the bureaus ASAP.
Product: Credit card

CITIBANK N.A . is the banking institution for the retail SEARS card ( ending in XXXX ) in regards to my complaint. I already received a cancellation of debt form ( XXXX ) for the TAX YEAR 2012 which I 'm submitting with this email. The problem is that is is still showing on my XXXX Credit Report as STILL OUTSTANDING / UNPAID. Besides being time barred ( XXXX+ ) years in California being that the statue of limitations has expired with the ability to collect legally, a XXXX tax form for the year 2012 was paid on my behalf as well as a letter from CITIBANK N.A showing this debt was cancelled. 

Conclusion : Continuous calls to CBNA to remove this negative debt have all but failed. I 'm asking you to review and or call CBNA at the numbers listed below to make them remove this CITIBANK N.A amount of {$5200.00} from my XXXX Credit Report and or other credit reporting agencies and to issue me a document / letter confirming that this debt is no longer due and has been forgiven as stated in the XXXX 2012 tax form that was submitted to me as well. 

CITIBANK N.A . 
REGARDING ORIGIONAL ACCOUNT # XXXXXXXXADDRESS : XXXX, NY. XXXX ( XXXX ) XXXXXXXXNote : THE LAST ( XXXX numbers on my SS # XXXX )
Product: Credit card

I was told the information was taken care of and it would reflect on my account. However, that has not happened. No up dates.
Product: Credit reporting or other personal consumer reports

I have contacted Experian, XXXX, and XXXX multiple times to report theft, but each time they have returned verified reports, which is absurd because the reports they sent were for a XXXX XXXX, and my name is not XXXX XXXX. When I confronted them, my account was locked for reports. Consequently, I sent hard copy forms with my Social Security number and license. I have not received any updates or correspondence. I demand that any accounts associated with my Social Security number be deleted immediately, and that everything be removed from my credit report as the names do not match mine. I want everything corrected and fixed, or I will take legal action, as my lawyers are on standby.
Product: Checking or savings account

Regarding case # XXXX that you closed please add the following to the record : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX EST To : XXXX Cc : XXXX XXXX XXXX Subject : Re : From the Florida Attorney General 's Office Thank you for sending me the explanation letter from Bank of America. 
The letter contains several falsehoods 1 ) we did not open the account on line. We visited the branch on XXXX XXXX adjacent to the XXXX XXXX in XXXX XXXX. 

2 ) we did not misspell our last name. We furnished the Bank of America representative our Florida drivers licenses and the printed email with the offer. The bank statements show the correct spelling.

3 ) the offer prescribed that the bonus had to be paid after 60 days from the deposit date. We deposited the money upon opening the account not days later.

Thank you for your help. We are convinced that without your intervention Bank of America would never pay what was due to us. Please monitor the banks behavior on behalf of the Florida consumers. 

Sincerely, XXXX and XXXX XXXX
Product: Bank account or service

Dear Director XXXX 

I want contacting with Director XXXX about Bank of America's XXXX that I posted "I informed U.S. Senators and Speaker XXXX that I filed complaints with Federal Deposit Insurance Corporation finished" that XXXX knows better reporting to U.S. Senators and Speaker XXXX included all my filed documents must forward to U.S. Senators and Speaker XXXX immediate procession from Federal Deposit Insurance Corporation requests to help me out with moving other bank from Bank of America to XXXX or XXXX, stopping Bank of America uses overdraft fees.   Bank of America hated my appearances and XXXX which Bank of America made made their opposed to XXXX" issues  they do not interest in me with Bank of America account.   I seek for authorization official helps me moving from Bank of America to other bank called XXXX or XXXX immediate of between XX/XX/2015 to XX/XX/2015, please let me know.  Please Official picks up me bringing to other new bank urgent with serious matters at formal filed requirement.  

Let U.S. Senators and Speaker XXXX knows requirement charges coping to Male Attorney in serious charging requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I have previously disputed this item with you XXXX XXXX Bankruptcy and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Product: Payday loan, title loan, or personal loan

Due to a previous issues that occurred with XXXX fraudulently debiting my XXXX XXXX XXXX count multiple times creating a cascading problem with other creditors.. 

Ultimately, XXXX XXXX XXXX absorbed these charges, fines, fees ... etc, however this matter with XXXX XXXX and XXXX XXXX XXXX  have been left without resolution. I'm asking that this matter be rectified with the same resolution earlier applied.. 

XXXX XXXX transgressions should be settled with XXXX, as was previously done and left out of this agreement with previous complaint.