23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i have contacted this company numerous time and inform them that his debt is identity thief and i need the debt remove from my credit report asap this company has really been giving me a hard times
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed bankruptcies being listed on my credit report for almost a year. The courts have replied that they are not reporting or verifying these account with the credit bureaus nor anyone else but I keep getting responses that they are verified. Now they are going as far as stating they have been previously verified. This makes no sense because the response from the XXXX who XXXX stated they used for verification says they removed the XXXX XXXX  because it could not be verified. They are also stating that the information they use to verify is with a previous address associated with my name and the last 4 digits of my social security number. The problem is that the address in reference should have been removed from my do to its association with fraud and is not my address. These lack of compliance methods of verification are highly illegal. I have attached the response letter from my XXXX XXXX complaint for verification. What makes matters worst is that they are refusing to remove other accounts associated because they are stating that they are associated with a Bankruptcy that is not verifiable. This needs to be corrected immediately and not addressed in with stalling responses. 

There is also a 30 late payment that is clearly inaccurate that need to be removed from XXXX  ( XXXX XXXX XXXX ). I have requested it be updated to accurately reflect my history and they continue to respond verified. I know this is not true because I have a written record from XXXX confirming that they request that all the bureaus be updated to show paid in full/never late. I am attaching this letter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card company is reporting unlaw information on my credit report under fair credit act law 15 us 1681eb. 

The company had also reported card # XXXX as charge off with the IRS in the amount of {$1500.00}. 

The company had also reported card # XXXX XXXX as charge off with the IRS in the amount of {$1400.00}. 

Since the company reported a tax write off, they are required by law to send me a 1099C. 
in which this company refuse to provide me a 1099C. Reporting a canceled debt to you and to the IRS when a lender forgives an outstanding loan I owe, and I'm no longer responsible for paying it. According to the IRS, that canceled debt is taxable income to me and must be reported on my tax return. 
Lenders must issue Form 1099-C when they forgive debts of more than {$600.00}. 

They did not describe in details their firm 's charge-off procedures as they apply under the Sarbanes-Oxy Act of 20022 ( Pub. L 107-204, 116 Stat. 74 )
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on my credit report from XXXX XXXX on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX XXXX, Sagestream LLC., via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

XXXX XXXX sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
Sagestream has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX XXXX XXXX XXXX, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted XXXX. 
After several months of being reassured that the issue would be taken care of and being sent to different XXXX employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that XXXX would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though XXXX owed me money and they were refusing to pay me so I refused to pay them. 
XXXX started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with XXXX but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted XXXX to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX, Account Number XXXX, has violated my rights to fairness and privacy. 

At no time did I agree this transaction be disclosed : -15 U.S. Code 1681, Title 602, Section ( a ), outlines my right to fairness and privacy At no time did I direct the creditor to furnish any reports, either in writing or otherwise : -15 U.S. Code 1681, Title 604, Section ( a ), Paragraph 2, further states that a consumer reporting agency may furnish an account only with my written instructions
Product: Debt collection

I have applied multiple times and given appropriate paperwork for this death to be forgiven under the law of XXXX Nelnet has not followed up on their end with debt forgiveness even though I have provided all paperwork asked for ; XXXX LETTER, DR. LETTER
Product: Credit card

XX/XX/XXXX Wells Fargo letter arrived " Congratulations, You 're getting an upgrade ''. If you do n't want to upgrade instructions were followed prior to the stated XX/XX/XXXX date via XXXX with a male customer service representative. with a disconnect between department transfers and extended hold time. 
An immediate follow-up yielded even less rewards due mainly to my now attitude. XXXX follow-up same transfer between departments. Each transaction my desire not to upgrade presented. XXXX same run around only now a lack of activation of new card would yield deactivation of old card and decline of purchase transaction as of XX/XX/XXXX. XXXX follow-up XX/XX/XXXX yielded nothing. XX/XX/XXXX follow-up and notification, Not activating card and questioned affects on credit standing, provided the response ie : card updated in XXXX and ca n't be reversed, and did not know how my credit would be affected after noting long time customer might have an effect on the reporting. Also, could not provide anyone to respond to credit question. No reverse of upgrade or credit limit would be possible even after Four ( 4 ) request Not To Upgrade over a three ( 3 ) month period. 
Customer Received a Product They Did Not Request. Even after several denial request. 
Might Damage Credit Scores, and possible wife 's?
Product: Credit reporting or other personal consumer reports

This is my third 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
Product: Money transfer, virtual currency, or money service

I am a victim of the scam and both the Bank of America and XXXX have refused to remedy the situation. 

I was selling my car ( XXXX  XXXX XXXX  ) on XXXX  at {$1200.00}. and a buyer named " XXXX XXXX '' sent me, by XXXX, a cashier 's check issued on XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ). I received the check on XX/XX/XXXX and immediately deposited it via the mobile app. The buyer told me that she was moving to the Washington  DC area where I lived, and that by mistake she sent a {$3500.00} check including the mover 's fee ( {$2200.00} ). She asked me to take my share ( {$1200.00} ) while wiring the remainder ( {$2200.00} ) to the mover named " XXXX XXXX '' through XXXX ( XXXX Transfer Conf # XXXX ; XXXX ) via my Bank of America account. On the following day, XX/XX/XXXX, once I confirmed, via the Bank of America mobile app, that the check was cleared and added to my bank account, I wired {$2200.00} to the mover via XXXX through the Bank of America mobile app, as directed by XXXX. Next day, XX/XX/XXXX, XXXX contacted me again, saying that her mom got injured and they had to cancel their deal, asking me to send {$1000.00} back to them through XXXX. It was the time when I checked my bank account and realized that the check was rejected, with {$3500.00} disappearing from my balance. I immediately called the Bank of America, which confirmed that the check was fraudulent. I asked the Bank of America to cancel my {$2200.00} XXXX transaction, but they insisted that the transaction was authorized by me and that XXXX has no fraud protection. In the end, I lost a total of {$2200.00} to this scam, and the Bank of America has refused to refund the lost money. 

My complaint is twofold : 1 ) The Bank of America cleared and posted the full amount of the check ( {$3500.00} ) on XX/XX/XXXX, which misled me to believe that the check was genuine and therefore to arrange the XXXX transaction. The bank then suddenly put the status of the check on hold in the following day ( XX/XX/XXXX ), with {$3500.00} debited from my balance. Why did the bank clear and add the deposited money to the balance without fully confirming the validity of the casher 's check? 2 ) The Bank of America insists that the explanation about the lack of the fraud protection in using XXXX in the " terms and conditions '' before a user uses the service for the first time. This is clearly not enough : I had no idea about the lack of protection, and the warning must appear in a far more conspicuous way before every transaction.
Product: Credit card

The American Express on-line payment website is confusing at best ; or they are intentionally misleading consumers in order to generate late fees from credit card users. When you go to the payment page, you are asked to put in bank account, amount, date, etc. The problem is that you then click a button labeled " Make Payment. '' On every other credit card site, this language means exactly thatmake the payment, but on AMEX, you are taken to yet another screen where the information is repeated and there is yet another button that you have to click to actually make the payment. This is extremely confusing as the second screen appears more like a confirmation of payment, and if you are not careful, it's very easy to overlook clicking the second button. I have pointed this out to AMEX several times, because I have incurred late payments even though they can see I was on the payments page and just failed to click the second button. There is an easy fix to this. Simply label the first button " continue '' so that consumers aren't led to believe they have already authorized the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Accounts have violated my rights. 

XXXX XXXXXXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX  XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXXXXXX. opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

Took a look at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate.I was incarcerated for XXXX  years and never opened account with this company. 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. This account XXXX XXXX  is not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows cause to believe that the information is inaccurate. 

check attachments below
Product: Credit reporting or other personal consumer reports

XXXX  payment portal had issues and when they were notified they said they would remove the late fees. 

They have reporting this as a late payment when this is a system error on their end. 

The website and emails say to contact XXXX  support via email and nothing has been done. 

This is an XXXX error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$590.00} & XXXX {$680.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

Every negative inquiry on experian and equifax has been submitted by XXXX  companies which has obtained my information illegally has been invading my credit accounts! XXXX XXXX XXXX ( XXXX dollars ) and XXXX XXXX XXXX XXXX ( XXXX dollars ) also XXXX  negative remarks from XXXX XXXX XXXX XXXX XXXX My rights have been violated as a consumer and violated federal laws I've disputed multiple times with no information or proof of authority from these companies whish has constantly put me in a credit bind to I would like to have all corrected and removed immediately seeing that my information has been breached.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. This creditor/ collection agency is fraudulently reporting this information since I have never signed any contract or been in any agreement with the company. I also, have reason to believe that the company XXXX not be licensed to do business in the state of Illinois. 

This information should not be reporting on my credit profile since it is under dispute and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I am disputing an incorrect entry on my TransUnion credit report for a XXXXXXXX XXXX  account. Despite settling this debt as confirmed by the attached settlement letter dated XX/XX/year>, TransUnion has not updated my report. The debt is incorrectly marked as a charge-off with a balance of {$19000.00}. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I request the removal of this erroneous charge-off status and an update to reflect the settled status of this account. Proof of payments from FDR, a debt negotiator regulated by the CFPB, is attached along with the settlement letter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with Insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

Sir, On XXXX XXXX XXXX XXXX XXXX, while trying to access XXXX XXXX, a QR code appeared on the TV screen ( Ax : 1 ) to scan it for access. After a couple of attempts, a telephone number floated across the screen to call for further help and that eventually led to my identity theft with two unauthorized transactions appearing on my XXXX store card and Citi-Costco XXXX  card statement of {$100.00} value each. I had reported the scam to these institutions and following a thorough investigation, the money was credited back to my account. Since then I took steps to prevent further abuse of my identity by enabling dual authentication and changed my user-id, password. Got my laptop cleaned, reported the incidents to CRAs and various institutions on ID theft alert. After these events, I became extremely careful and diligently checked all bank checking and credit card transactions regularly. 

ON XX/XX/XXXX while waiting at XXXX XXXX XXXX for my appointment, got two XXXX notifications to respond yes/no to a request by XXXX XXXX for payment from CITIBANK. I responded accordingly having never met a person with such a name. This was followed within the hour by another two notification from XXXX  XXXX XXXX for XXXX payment. Suspecting foul play I reported the matter to both the institutions immediately. Also notified institutions ( XXXX, XXXX ), reported online to XXXX  ( ref.. # XXXX on XXXX ) and filed police complaint. Since then my dispute with XXXX XXXX  XXXX has been resolved and debt recredited. Citibank however refuses my claim despite four appeals responding each time with a standard reply " XXXX claim reviewed by Fraud and DENIED due to no fraud found. Claim lacks credibility. '' CITIBANK N.A. 

XXXX XXXX XXXX XXXX Debit Pay {$350.00} XXXX XXXX Disputed Under Appeal XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX Disputed Under Appeal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$340.00} XXXX XXXX DISPUTE RESOLVED XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX had BLOCKED Transaction XXXX had immediately gone into action based on my complaint and was able to block the second transaction of {$94000.00} and had honored my claim of {$340.00}. Citibank has however failed to diligently investigate and come to a logical conclusion. They insist that the device used was mine and therefore my claim lacks credibility. Citibank is doubting my integrity despite banking with them for more than 20 years and as you can see from the above that though the MO was the same with both the banks apparently executed by the same person, the banks came to different conclusion. 

I therefore request you and your team to diligently investigate the matter and come to a logical conclusion. Documents supporting the above statements are attached. 
Regards