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

Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX without any success and still this 30-day late notice is a huge negative placement on my record. 

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to Equifax, XXXX XXXX XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The collection company in question, Amsher Collections CVCS, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX - is collecting a debt on behalf of the original creditor, XXXX XXXX, in the amount of {$1000.00}. The open date listed on my XXXX credit report is XX/XX/XXXX which is incorrect. I was unemployed at this time and unable to get any loan products from any financial institution. However it is listed as a recent collection on my credit report which has caused me to be denied a startup business loan from XXXX, a lender out of XXXX XXXX XXXX, UT, which reported they checked my credit report and it showed this XXXX account as a new collection as of XX/XX/XXXX. This account has been removed from my other credit report file in which I disputed it and it was removed. I tried disputing it on XXXX, but it did not get removed. This is false reporting by this collection agency and they re-aged this account after acquiring it from another collection agency in an attempt to hold on to the account longer than the statue of limitations for the state of Alabama, which is my legal residence allows. This agency has not contacted me or attempted to contact me in any way. This negative posting on my credit report has caused a hardship in that it has denied my family the chance to move forward with a business venture that would tremendously improve our economic standing and provide a quality service for the community.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : DISCOVER BANK Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate personal information also information that I have contacted all three credit agencies about debts that are not mine my identity was information was compromised, my bank account information was compromised and stolen we lost XXXX bank never alerted us about the big charges but call us on a XXXX charge to see if it was us but never minded the large charges
Product: Checking or savings account

On XX/XX/XXXX I found that my bank account at Chase Bank had an Unauthorized Charge of {$86.00} for an Antivirus Program, from the XXXX XXXX XXXX XXXX, I did not have plans to renew for a second time. I had turned off automatic renewal option on the XXXX website when I first purchased the program back in XXXX. I notified my bank on XX/XX/XXXX, that I did not authorize this renewal charge of {$86.00}. It was posted from XXXX on XX/XX/XXXX to CHASE BANK, The person that took my call after hours said he could not help me and to call CHASE in morning because of Holiday. Somehow Auto Renewal was turned back on in XXXX website and not by me. I received an e-mail letter on XX/XX/XXXX from Chase stating the {$86.00} was correct and they denied my refund. This internet company downloaded XXXX XXXX XXXX, and also XXXX, and XXXX XXXX for Phone to my computer from their computers without my consent or knowledge On XX/XX/XXXX, they charged my account with Chase Banks Approval on XX/XX/XXXX. I am a XXXX XXXX XXXX woman on Social Security and XXXX, along with Chase Bank, decided that I needed this program and from them. The money came from my Social Security Checking Acc. at CHASE. XXXX at XXXX XXXX had no right going inside my computer and downloading all those programs into it. Please look into this matter as I need my money back. Last but not least, this company in my opinion have bad practices in way of turning back on AUTO RENEWAL, Just my opinion, buyers beware. Regards, XXXX XXXX
Product: Debt collection

It has recently come to my attention that neither XXXX XXXX  nor its parent company XXXX XXXX XXXX. is licensed to collect any debts in XXXX XXXX  XXXX. XXXX XXXX XXXX was licensed by XXXX Department of Consumer Affairs ( DCA ) from XX/XX/XXXX through XX/XX/XXXX. 
The current status of this debt collectors license is INACTIVE. ( See attachment ) Business whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents MUST HAVE A DEBT COLLECTORS LICENSE no matter where the agency is located, including outside of New York State. XXXX XXXX nor its parent company XXXX XXXX XXXX is licensed to collect debts from XXXX XXXX XXXX residents ( see attachment ) and has no right to try to collect this alleged debt. Nor do they have the right to report attempted collection of this alleged debt to any persons through any mediums.
Product: Credit card

i was scam out more than XXXX XXXX dollars and it happen thru crypto.com by scammers who uses there platform to do these acts .... crypto knowing exactly what happen gave me the run around about the entire matter so i am asking for cfpb to help me a innocent victim of this matter get them to return my money.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation.

The following items that I'm disputing are as listed : 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 Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Checking or savings account

Hello, I was a Bank of America customer for almost 13 years, and after fraudulent activity caused an unused checking account to be closed, Bank of America reported the account to XXXX as " account abuse ''. I attempted to resolve this with multiple points of contact at Bank of America via XXXX, Email, Phone, and Personal E-mail. Today XX/XX/20, I was told by XXXX XXXX of the Client Care Executive Response team that despite the fraudulent activity, they would not remove the report from XXXX even if I agreed to pay to outstanding balance. All of this because I had moved and was not made aware of the closure when this occurred. I understand that I bear a certain amount of responsibility for not ensuring the account was closed prior to this, but they will not even attempt to come to a compromise. They think it is more important to prevent me from opening an account at any other bank than recovering their lost funds which makes no sense to me. Is there ANYTHING you can do to prevent the absolute miscarriage of justice from standing?
Product: Debt collection

I had credit card debt with TD Bank. In XX/XX/2022 a settlement agreement was reached. The lump sum settlement was paid in full, on the spot ( at the time of settlement ). 

A company named XXXX XXXX aggressively contacted ( over multiple phone calls ) in XX/XX/2022 trying to collect the debt not owed ( already settled and paid with the original creditor ). Apparently TD Bank made an error and charged off the debt to XXXX XXXX ( even after the settlement agreement was made and paid ). TD Bank ( recovery department ) has acknowledged that the payment was somehow not applied correctly. They assured me that they would correct the situation and " withdraw the debt from XXXX XXXX ''. I called XXXX XXXX and informed them of this situation and of what TD Bank said. Things were quiet for months. 

XXXX XXXX started repeatedly calling me again. I called TD Bank again in early XXXX and after a long wait, and multiple phone transfers, they confirmed that the account is settled in full ( since XX/XX/2022 ). They said they would send a fax to me to confirm that in writing, and also contact XXXX XXXX stating that the account is settled in full. I never received the fax. 

XXXX XXXX is now again harassing with repeated phone calls and just today ( XX/XX/2022 ) left a long voicemail referencing my name ( and another name ) and debt owed. The voicemail greeting is generic and there would have been no confirmation that the phone number or voicemail belonged to me. This is highly inappropriate. Furthermore, continuing to attempt to collect debt not owed constitutes harassment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Subject : Cease and Desist Demand Regarding Collection Activities To Whom It May Concern, This letter serves as a formal demand that your company immediately cease and desist all collection activities concerning the alleged debt associated with [ Account Number XXXX AND XXXX which you claim I owe. Your actions appear to be in violation of federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1692c ( c ), I hereby revoke any and all permissions to contact me regarding this matter. Any further communication, other than as explicitly permitted by law ( such as providing written notice of termination of collection efforts or intent to pursue legal remedies ), will be considered a violation of federal law and subject to legal action. 

Additionally, under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of a debt. If you are reporting this debt to credit bureaus without proper validation, you may also be in violation of 15 U.S.C. 1681s-2 ( b ), which outlines your responsibilities regarding the reporting and verification of information to consumer reporting agencies.

If you believe this debt is valid, you are required under 15 U.S.C. 1692g ( b ) to provide me with proper validation, including the original creditors information, a breakdown of the alleged amount owed, and evidence that you have the legal right to collect this debt. Failure to do so will be taken as an acknowledgment that no such debt is legally enforceable. 

If you fail to comply with this cease and desist request, I will have no choice but to pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I may also seek legal action for damages under 15 U.S.C. 1692k, which allows for statutory damages up to {$1000.00} per violation.

This letter serves as formal notice of my intent to enforce my rights under federal law. I expect your immediate compliance. Please confirm in writing that you have ceased collection activities and, if applicable, removed any negative reporting from my credit file. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Transunion report. I demand that these items be removed immediately. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Debt collection

XXXX XXXX XXXX and Nationstar Mortgage has been conspiring to coerce me to pay a debt that 's not mine. Initially, XXXX XXXX XXXX advised the CFPB the debt was reinstated after their agent filed a Notice of Rescission. Now, XXXX XXXX XXXX has stated the Notice of Rescission is invalid and ineffective. Therefore, Nationstar has no debt to collect that XXXX XXXX XXXX allegedly assigned. However, Nationstar Mortgage is still reporting this alleged debt on my credit reports adversely without any substantiation and refuse to remove it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Formerly known as XXXX XXXX Formerly known as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXT XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date reported XX/XX/year> Date assigned XX/XX/year> Amount {$1800.00} Status date XX/XX/year> Balance date XX/XX/year> Account number XXXX  XXXX According to 15 U.S.C. 1681i, I did not authorize the reporting agencies. Please block and remove the accounts under 15 U.S.C. 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/Amazon is reporting bad information to my credit bureaus that has caused major harm to my credit. I had an Amazon Store Card years ago and fell behind on payments as a financially struggling XXXX XXXX. I settled the debt with SynchronyBank/Amazon back in 2016 with the agreement to remove the collection and no longer report to my credit. Amazon is still reporting late payments to all my credit bureaus. This is highly unfair and they did not comply to our original agreement. This is negatively impacting my credit. Please Stop reporting this outdated settled account to my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Checking or savings account

XX/XX/XXXX. 
Opened an account at SunTrust Bank in XXXX, XXXX. using a {$5000.00} cashier check written on XX/XX/XXXX from our XXXX XXXX XXXX   account in XXXX, XXXX. Was told the account was opened and given over the counter checks, ordered checks and ATM debit cards. 

Week of XX/XX/XXXX Went to the drive through window at bank to deposit checks into the newly opened SunTrust account. Was told to park the car and come inside bank due to a red flag! Once inside bank was told that there was a legal problem and was being sent to the fraud department and that the account had been closed. No explanation was given about why the account ended up in fraud department but we would receive a letter of explanation within 15 days. 

Weeks of XX/XX/XXXX to XX/XX/XXXX Many trips to Suntrust Bank to talk to management about an explanation for closed account, where our {$5000.00} was and when the money would be returned. NO ONE in the bank could answer any questions nor could they get any answers by calling the fraud department themselves. We were told it was in PROCESS with no date of money being returned. 

XX/XX/XXXX Received 1st letter from SunTrust bank with no explanation and only stated that we would have to make alternative arrangements for banking needs. We were given a number to call to get more answers. 1-800-suntrust. After numerous calls over the last 2 months all we are told is it is in process. 

XX/XX/XXXX Second letter from SunTrust stating fraud department reviewed the status of the funds and they were still trying to determine if the funds should be returned and a check would be received in 15 days. 

XX/XX/XXXX XXXX XXXX XXXX sent letter of reclamation and copy of cleared cashiers check, per SunTrust request. 

Week of XX/XX/XXXX SunTrust confirmed they received the necessary documents. And again we get its in process XX/XX/XXXX It has now been two months and we still have no answers nor have we been refunded our {$5000.00}. We have contacted management at XXXX XXXX XXXX in XXXX and were told the cashier check had cleared through SunTrust and we were sent a copy of the cleared check. 

We are in our late XXXX  and live on a small fixed income. We have moved to XXXX to live with our daughter and this has been an absolute nightmare!
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from you. You have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : BankruptcyXXXX Case Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX - XXXX XXXX of inquiry : XX/XX/XXXX