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

On XXXX XXXX, 2017, I sent a letter to Global Receivables asking them to validate I owe to them in the amount of {$160.00}. I requested that they send me something bearing my signature to support this supposed debt in which I owe them ( Global Receivables ). <P/>They sent me a reply on XXXX XXXX, 2017 along with a copy of my account with the original provider which shows which procedures were performed, the codes associated with them, and the cost of them. <P/>On XXXX XXXX, 2017 I sent them another letter explaining that they have failed in validating that this account belongs to them. I also informed them since they had sent me a copy of my account with the original provider which lists the procedures I had done, was in direct violation of the HIPAA laws, and requested them to provide me with any viable documentation, bearing my signature, that I owe them {$160.00}. <P/>They have not responded to my last letter, which they received on XXXX XXXX, 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Product: Checking or savings account

My mother, XXXX XXXX, died in XX/XX/2022. I am the executor/personal representative for my mother 's estate. 

I found out that my mother had a savings account with USAA Federal Savings Bank via a statement I received in the mail. On XX/XX/2022, I contacted USAA Federal Savings Bank ( XXXX ) and was transferred to the Survivorship team. I requested that the account be closed and a check sent to me for the balance in the account of {$25.00}. I was told which documents to send to XXXX, which I sent via XXXX Mail on XX/XX/XXXX. 

On XX/XX/2022, I received another statement from XXXX, indicating a savings balance of {$25.00}. I called the XXXX team and was told that the documents I sent were received on XX/XX/XXXX, but were in the wrong department. I was told that the documents would be moved to the right department and would be processed. 

As of today, XX/XX/2022, I have received no indication that the documents have been processed or that the account has been closed. I have also received no check for the account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/XXXX about them violating my rights as a consumer and committing fraud by reporting late payments to my account without my express written consent to do so. Their fraudulent activities are outlined pursuant to 15 USC 1692c ( b ) : Communication with third parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX  XXXX had no prior consent from me, the consumer and natural person, to report these late payments, or the entire account for that matter, to my consumer report and they are in violation. 

Also, pursuant to Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX. All " late payments '' XXXX  XXXX posted on my consumer credit report were in the years XXXX, during the pandemic. They are in violation of the Cares Act by posting these late payments to my report while they had active Coranavirus Relief programs going for all of their customers.

Furthermore, pursuant to 15 USC 1666 b ( 4 ) XXXX XXXX is in violation of my rights as a consumer. 15 USC 1666 b ( 4 ) states : Billing error - For the purpose of this section, a billing error consists of any of the following : The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. All statements have shown the amount due as positive but how can my payments be late when the balance shows as a positive and not a negative. They can't their statements prove that the " bill '' is already paid.
Product: Prepaid card

First Note : This is NOT a duplicate issue. The other issue reported was regarding a transaction in XXXX of last year. This is a NEW case with a NEW issue. Both cases involve the same card issuer, but different transactions and cards are involved. 

XXXX/XXXX/15 - Purchased a gift card for {$500.00}. The receipt indicated no problems loading / activating the card -- said APPROVED on the receipt. 

After opening noticed that the card inside the package had been tampered with -- someone had destroyed the mag stripe and placed the tampered card on the shelf in a different store. 

I called the number on the back of the card and after entering the card number, was forwarded immediately to customer service. I was told by Customer Service that I would need to be sent a replacement card and that I needed to fax information to " Lost / Stolen Card Replacement '' to get that process started. 

XXXX/XXXX/15 -- Collected the required information ( name, address, e-mail, phone number, card info and receipts ) and faxed it all off to the specified number for Lost / Stolen Card Replacement. Indicated that they could call me at ANY HOUR if necessary. 

XXXX/XXXX/15 -- After hearing nothing, called and asked for status. They could n't find in system. Opened an inquiry to escalate. Faxed the information off to them again and realized that I had transposed XXXX numbers when I typed them. XXXX was XXXX. 

Immediately called them back and inquired with the correct card number. They indicated that A REPLACEMENT CARD HAD BEEN SENT THE PREVIOUS DAY ( XXXX/XXXX/2015 ). 

XXXX/XXXX/15 - Still had not seen a replacement card in the mail, so called the number on the back of the Gift Card. Found that the previously locked/inactive card was now active and that the {$500.00} loaded on the card was now roughly {$11.00}. Immediately hit XXXX to get Customer Service. 

They told me that since they did n't see any fraudulent activity on my tampered card YET, they had simply activated the card on XXXX and that NO REPLACEMENT CARD HAD BEEN SENT. ( Apparently the person I had talked to on XXXX had lied to me about a replacement card being in the mail on XXXX. ) I WAS NEVER CONTACTED AFTER THE ORIGINAL CARD WAS ACTIVATED AND THE SCAMMERS WHO TAMPERED WITH THE CARD IN THE FIRST PLACE APPARENTLY DRAINED THE ENTIRE CARD. 

The CSRs on the phone insisted that I need to dispute the fraudulent charges and go through the standard dispute process. I have been through this process before and US Bank XXXX XXXX in their handling of these cases. The entire process takes about 3 MONTHS to complete. 

Before the call ended, the CSR I spoke with handed me off to an escalation agent, and that escalation agent indicate that an escalation manager would call me back within XXXX hours. I have not yet received a call from them six days later.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-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 card

Last year during XXXX XXXX XXXX XXXX XXXX  '' challenge, one in which hackers from all over the world target innocent civilians to create " better '' technology, my identity was stolen and an Apple Card was issued in my name, under different contact information.

Apparently this is a joint venture between Goldman Sachs and Apple, an experimental type of credit system. I received statements in the mail and attempted to contact them about this situation. However, because I could not provide them with an account number, they were unwilling to assist.

This is a blatant attempt at forcing someone into using their product and services. Now, I am stuck with the painful task of cleaning up the mess that Apple and Goldman Sachs created in my name, during some event I never signed up for.

This is a prime example of how these type of business SHOULD NOT operate.
Product: Debt collection

I was in the United States XXXX and applied for a XXXX credit card to shop at XXXX XXXX. My credit limit was {$6000.00} and I was owing about {$5000.00} when I fell behind in my monthly payments. About 4 months or so later, I sent in payment but it was returned and I was informed that it had been sent to a Collection Agency. When I contacted that Agency, I was informed that the amount due was about {$9000.00}. All attempts to get them to explain why they kept tacking on amounts without a court order proved abortive. The file changed hands several times and each time, the amount went higher and higher. 
These various companies added more than {$12000.00} to the original amount and the current Collection Agency - Transworld Systems , Inc filed to garnish my retirement pay in the amount of {$17000.00} and has been collecting {$140.00} for almost 4 years now. They have collected more than {$7000.00} to date and yet, they are not prepared to stop. 
Please help me checkmate this company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was stolen when our home was broken into back in 2010 since than I had so much fraud going on. That I have no connections with. Someone even has two evictions in the state of North Dakota.

I have never lived there I lived in XXXX  ca my entire life.

Please help me I have no knowledge of the said accounts
Product: Debt collection

I rented an income restricted apartment and lived out the full lease term with no monies owed except a lost pool key. The pool key was {$25.00}. I advised of my departure in writing but signed for another term granted I could find employment or continue with my unemployment benefits. I was not able to do either, so the lease was not fulfilled because I would then have no way to pay for it. I spoke with the front office the day I moved to make sure no issues were left unsettled except for the payment of the pool key. Months later I started getting calls stating that I owed {$1900.00} for terminating my new lease. I have spoken to the debt collector and to the apartment management on numerous occasions. There was a new management company that had taken over all the accounts for the apartment. I spoke with an employee who happens to be the same employee that I signed the new lease with. She stated that there was a glitch in the system that should have canceled out the new lease since I had no way to pay for the new apartment. So the management acknowledges that this debt is not valid. The debt collector states that I need to have the apartment call them to cancel the debt since they are the ones who reported it. I have disputed this debt numerous times with the credit bureau. The dispute results keeps coming back that the apartment shows it as a valid debt. Ive been dealing with this since 2016. Please help.
Product: Money transfer, virtual currency, or money service

I wrote a check to my niece for {$1000.00} on XX/XX/XXXX as a wedding gift. She opened an account with CHASE BANK in XX/XX/XXXX at New Jersey, USA. The check was debited out of my account on XX/XX/XXXX into the newly opened CHASE account.

However, Chase c losed the newly opened account and withheld the fund ( USD XXXX ) because of an error in the check I wrote. Instead of writing her official name, I wrote her nickname that we call my niece at home. It was an oversight and an honest error. Chase never flagged this as an issue at the time of deposit, and in fact they took the money out of my account as afore mentioned on XX/XX/XXXX. 

CHASE called me on my land phone line to confirm my identity on XX/XX/XXXX. After this verification call, CHASE communicated to my niece that they will issue a check for XXXX to her that was being withheld. 

On XX/XX/XXXX my niece informed me that Chase reneged on that position and continues to withhold my money. I have since, request CHASE to re-fund the money back to my account but no avail. I went to Chase Branch in XXXX, Colorado and shared my identification and the details of the issue ( Copy of my State Issued Drivers license, and a copy of my Bank Statement, including copy of the check - attached ). The branch helped file a case [ XXXX ] to CHASE Bank Branch complaint escalation line [ XXXX EXT - XXXX ]. I have called this number many times, but no one picks up the line no matter time of the day or night and they do not return any of my calls both on the land line and cell phone number. 

I would greatly appreciate if you can have them return my call on my land phone line and or write a letter with the resolution and refund back my check in my name.
Product: Money transfers

I was sent {$25000.00} by a company that I assumed owed money to a woman I had been talking to. I then sent her a majority of that money and shortly there after the money was requested to be returned. The company was XXXX XXXX XXXX out of Nebraska and they use the First National Bank of Omaha. They now have all of my accounts at XXXX bank frozen.
Product: Debt collection

XXXX XXXX an ambulance in XXXX Arizona has submitted a bill after 3 years. A medical bill I never took an ambulance, the statute has expired for any responsibility. Basically, the company is picking addresses and sending bills after 3 years, get a clue. This bill is not mine. Aggressive collection action has ensued.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act the following accounts XXXX XXXX  - Acct ending # XXXX XXXX XXXX XXXXLending Point which is on my report 2 separate accounts is paid and both accounts should be removed - see attached. 
XXXX XXXX  Acct # XXXX - Never late all 3 companies have violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2017 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Payday loan, title loan, personal loan, or advance loan

I made an XX/XX/XXXX payment, but could not make XX/XX/XXXX payment. I revoked all ACH authorization. They have called my phone 4-5 times a day. From XXXX XXXX every day non-stop. I finally told them on XX/XX/XXXX they dont have to call me 5 times a day, this is a form of harassment and the woman on the other end stated phones calls will continue until a payment is setup. I told them plenty of times that I would call them back. For a {$1100.00} loan, I have already paid over {$2000.00} back. So I have paid my principal.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

I signed a lease with XXXX XXXX  back in XX/XX/2017. Once the beginning of the year came around the dog was just not working out. My husband called them and was told that the XXXX payment was going to process and our termination fee would be {$1900.00} something but that each time we paid on time ( they did ACH payments ) that it would go down that amount. So we decided to wait a little while. In XXXX he called again to find out what to do and was told that it was down to {$1700.00} something. I said that can't be right but lets call back and let them know they made a mistake when we decide to get rid of the dog. We give the dog to a no kill shelter because that was the only option we were given- later to find out we could have returned to the breeder at no cost. then when my husband called, suddenly he was no longer authorized to speak with them. So I called and they could not find my acoount even though I gave all of my information. They transferred me to another company- after telling me what to do with the dog and fee 's ( the last conversation said {$150.00}. They told me I needed paperwork and when I got it it was the wrong paperwork.They were clueless about my account until I forwarded them a bill I received after I told them numerous times that I did not authorize another payment. They still went through and tried to take a payment which resulted in me having to freeze and close my account. Before that I was told the amount has gone down to {$1400.00} something. so it's going down with the monthly payments it should be around {$900.00} since XXXX but the story always changes. I request the recordings and was told I could have All of them if I escalate my complaint which I agreed to do. Then was told I can't have any of the recordings. They had told me I could make payments and then I couldn't and then I could. This is a huge scam and because I have been fighting for the truth they have decided that I owe {$1900.00} something again! It is ridiculous!! I would like to send the emails with all the inconsistencies if someone can provide me with an email address. 

( I can not attach documents but if I am given an email address I can show you all of the inconsistent correspondence )