23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX NCB  MANAGEMENT SERVICE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious NCB MANAGEMENT SERVICE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Vehicle loan or lease

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Email : XXXX Advocate : XXXX XXXX XXXX XXXX XXXX Business Strategist, Advocate ) Subject : Formal Complaint Against American Honda Finance Corporation for Unfair Credit Reporting , Failure to Provide Relief for XXXX Financial Hardship, and Unprofessional Conduct I. Introduction & Summary of Dispute I am filing this formal complaint against American Honda Finance Corporation ( AHFC ) regarding their failure to provide fair credit reporting relief, dismissive and unprofessional customer service, and failure to consider financial hardship related to the XXXX pandemic. This issue is not isolated but is part of a broader pattern of Honda Finance 's non-compliance with credit reporting regulations, as evidenced by the CFPB 's recent enforcement action requiring XXXXonda Finance to pay {$12.00} XXXX for misleading and damaging credit reporting practices during XXXX. I request that the CFPB review Honda Financial Services ' current credit reporting practices and enforce corrective measures regarding their continued refusal to assist consumers facing financial hardship reasonably. II. Account Details & Disputed Late Payments Lender : American Honda Finance Corporation Account Number : XXXX Account Type : Joint Installment Auto Loan Date Opened : XX/XX/XXXX High Credit : {$43000.00} Current Balance : {$15000.00} Scheduled Payment : {$610.00} Actual Payment : {$630.00} Status : Reported as Current ( but with past late payments ) Late Payments Reported : 30 Days Late ( XX/XX/XXXX ) 60 Days Late ( XX/XX/XXXX ) Remarks on Account : Auto Loan, Fixed Rate III. Summary of Consumer Service Call XX/XX/XXXX Call Placed On : XX/XX/XXXX Honda Representative : XXXX ( Customer Service ID : Case Number : XXXX )
Product: Money transfer, virtual currency, or money service

I initiated this transfer transaction from MoneyGram.com on XXXX for 10000 USD. Transaction number is XXXX. Today on XXXX I got notification that the transaction was cancelled with no reason. Infact money was deducted from US account. This never happened in the past. 

When I initiated the transaction the XXXX XXXX XXXX XXXX and today XXXX is XXXX XXXX When the rate increases they transfer on time and when rate reduces they cancel transaction. 
This is lack of professionalism and failure of commitment on their part and exploitation of consumers. I needed the money on urgent basis in XXXX and will have to borrow from bank on interest until I get this money transferred to my account in XXXX.
Product: Checking or savings account

I am paid by direct deposit on every other Thursday. Due to the current technical issues experienced by Capital One, Ive yet to receive my funds. Deductions have been made leaving my account overdrawn. Im in need of medication, food, and personal hygiene items and do not have the ability to purchase due to my pay not being deposited. Reaching them requires waiting more than XXXX hours. And no details were provided in the generic email I received Thursday evening. This is negligent and shows a lack of concern for the customers they profit from.
Product: Debt collection

I was received a court order saying that DCI credXXXX was going to garnish my paycheck from an old employer. Once I received this ONE TIME letter, I requested a breakdown of what was owed, after I finally received that breakdown, they apparently already went to court. Without notifying me of a court date or anything By the time I received that letter of the breakdown of charges I owed, DCI credit services COMPLETELY drained my account. Took all the money I had for bills and left me {$0.00} for food or basic needs. Im about to be homeless over this. Im going to lose everything, if I dont die of starvation or off myself due to horrible XXXX  thoughts over this situation, as I already suffer from XXXX and can not live on the streets. I dont get paid for awhile and they left me XXXX XXXX for food, water, or basic needs. I am a human being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint on XX/XX/XXXX on this very same portal against Trans Union for reporting a bankruptcy after US court said they do NOT send info to credit agencies! I also filed the complaint with the XXXX same day and got a letter from them on On XX/XX/XXXX saying they were investigating and it could take 30 days cool. Funny enough I get another letter datted XX/XX/XXXX ... from Trans Union saying the furnisher ( which correct me if I'm wrong is US Court ) verified it as accurate. Please make this make any type of sense! Trans Union is blatantly LYING and what type of investigation took 5 days only to complete that involved contacting the government?! Want to know what I think? I think Trans Union has people in front of a screen that don't know the law and just push files! I demand now that they delete this bankruptcy unless they can now tell me how and with whom they " verified '' this account with I need to know when and the name of people they spoke too. They can just run down their specific procedure for verifying while at it because I'm finding it hard to believe that they spoke to US Court and ANYONE there release any of my private information but if so please give me all the details! CFPB has been a great resource of information I even read here about XXXX XXXX data breach and unethical stalling tactics which I found to be interesting and potentially helpful. Sending this to my state councilmen at this point Trans Union thinks they are invincible
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX, an unknown person contact Elan Financial via their website and requested an address change. When notified of the change, I contacted Elan Financial and confirmed the address request was fraud and requested my original address be re-instated. They said that the did. I continued to receive statements at my correct address. 

Elan Financial reported the fraudulent address to XXXX. I contact XXXX   and request to dispute the address. XXXX told me that Elan had to notify them that they sent the fraudulent address and that it was fraudulent. Elan informed me that I must make this request in writing, which I did. Roughly 1 month later, I received a form letter stating that Elan did not send the fraudulent address to XXXX and encouraged me to send information backing up my claim. 

Note : there is no doubt that Elan sent the address. They are the only company that has ever had the fraudulent address listed for me. The XXXX   credit report identifies them as the company that sent it. 

I sent by mail my request to Elan to inform XXXX that the fraudulent address was fraudulent and request its removal. I included the relevant portions of the XXXX credit report indicating that Elan provided the fraudulent address. Roughly 30 days later I got the exact same letter a previously, saying Elan did not send the fraudulent address to XXXX. Note that this is again a form letter that does not engage in a discussion about how the came to such a ridiculous conclusion nor did it explain why they were ignoring the evidence I provided. 

I then contact Elan Financial by phone. I eventually got to a person who said they would help and that I should expect written confirmation within a month. No such written confirmation came and the fraudulent address remained on my credit report. 

Some time later, I contacted them again in an attempt to get this resolved. This time they only said there was nothing they could do, were condescending, and eventually starting lying to get me off the phone. 

During this process, I also contact XXXX who eventually explained why they could not remove the fraudulent address. It is because Elan is still reporting the fraudulent address to them. 

At this point, I started leaning on my contacts at Fidelity Investments who co-brands the credit card. They were able to eventually reach people at Elan who professed to be able to help. I was instructed to send the same request in writing to Elan as previously. I did so and got the same form letter back. A day later, I got another letter from the office of the president that said they were no longer reporting the fraudulent address to XXXX. Another call the XXXX   confirmed that Elan was still reporting the fraudulent address. A few more useless calls and we are up to today. My XXXX credit report still has the fraudulent address, Elan still denies any responsibility and despite being my credit card company refuses to address the situation in a meaningful way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.
Product: Credit card or prepaid card

My issue is with Comenity Bank - Points Power XXXX : I STOPPED receiving invoices by both e-mail and in the US Mail for several months back in the summer & fall of XXXX. ( We had moved but I registered my new address with them. ) I finally received an invoice for a {$70.00} purchase I'd made ( my last purchase on the XXXX card ), but the invoice came late & so my payment was received 1 day late on XXXX XXXX, XXXX ( it was due by XX/XX/XXXX ). I got the next invoice that showed a {$28.00} late fee & {$2.00} interest charge. I wrote a note on that invoice explaining that the prior invoice had come to me late, so I shouldn't be charged the interest & late fee. But another invoice showed yet another late fee & interest. On XX/XX/XXXX, I called & spoke to a woman at Comenity ( I didnt get her name ) who said the best thing to do was to cancel my card & that would be the end of it & I wouldn't receive more invoices. She said she cancelled my card. ( In a phone conversation yesterday, XX/XX/XXXX, Comenity said that my card was indeed closed on XXXX XXXX, XXXX. ) But I DID get more invoices with additional late & interest fees. So, On XXXX XXXX, XXXX, I wrote a short letter explaining my issue. I send it with Return Receipt Requested, & within about 2 weeks received the Return Receipt green postcard back, time-stamped XXXX XXXX, XXXX, & signed by XXXX XXXX XXXX 

Since then I have continued to receive additional monthly invoices with late & interest fees accruing, now up to {$260.00}. Yesterday, XX/XX/XXXX, I called Comenity and over 105 minutes was bounced through 5 people ( first is unknown name, then XXXX, XXXX, XXXX  & XXXX ; XXXX was in the Customer Care Dep't. ; I dont know the others ' dep'ts. ). The first 2 really didn't even understand the issue. Each of the next two routed my call to yet another person, & the fifth person was XXXX who said I should write a REGISTERED letter to Comenity. But I have little confidence that that will work, as they have basically ignored all my attempts to resolve this issue.
Product: Debt collection

Calling my phone 15 times a day every day no message Ncb management corporation XXXX XXXX XXXX Are not supposed to be able to call phone that many times with new law
Product: Checking or savings account

Okay I was trying to get a loan with this company I was banking with Wells Fargo at the time they tricked me into getting my information so they can put fake deposit checks on my account they also told me to verify that the money sent so they told me to XXXX XXXX then right then and there I should known it was fraud but I never thought of it like that I thought it was a legit company so days letter Wells Fargo email saying that the checks that was put my account was bounc checks and I never knew that they was going my account to do that I called for a XXXX dollar loan
Product: Credit reporting or other personal consumer reports

To whom this may concern, I want to first thank you for looking into this matter. This account shows in accurate information and should be removed immediately. I have attached an image of my most recent credit report, and as you can see, this account is not accurate across all three credit bureaus. I have reached out to the credit reporting agency multiple times, and I have not gotten a response. Please provide information showing accurate information. By law all inaccurate information must be removed from credit report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Please remove from credit report.
Product: Credit reporting or other personal consumer reports

I took out a non Secure loan per our contract between me and the creditor it states Collateral is non title personal property. I have the contract stating this. The Credit Union filed a UCC claiming my home as collateral after the contract was already executed stating it was non titled personal property as collateral. They refuse to remove the UCC attaching it to my home as security on the loan. They also refuse to speak to me about it and their attorney refuses to speak to me to resolve this matter. I have filed with Experian to remove it under the category that it is a mortgage and I uploaded the contract showing Experian this was a non secured personal loan. They called the credit union and the credit union verified it is a secured mortgage in which they are not even allowed to do mortgage in Alabama. They are not a federally licensed. I want to be compensated for this issue as it is hurting my credit and unlawfully reported to my bureau. They are trying to force sell of my home due to this reporting and costing me money with an attorney. I will upload you my signed agreement with XXXX XXXX XXXX showing this was a none secure loan. XXXX XXXXXXXX XXXX. All at Fraud here is XXXX XXXX XXXX, Experian, and XXXX XXXX XXXX Attorney.
Product: Credit card or prepaid card

Approx, 2-3 weeks ago, I received a Visa Debit Card from U.S. Bank, congratulating me for this new ReliaCard. I did not activate it right away, as I was trying to figure out the reason for receiving it. On XX/XX/2021 I called the customer service number on the back of the card to Activate the card. It provided several prompts for this process. As I navigated through this process, it became clear I needed more clarification about this scard. I asked to speak to a live representative. It was here I was told this card was issued by the department of Labor, which included unemployment benefits.I am a retired XXXX. employee and have be retired for 22 years. I, at no time requested umemployment benefits.I spoke today with a representative of US Bank Realiacard and requested this card be canceled. The person I spoked to said it woud be canceled and I should receive a confirmation letter to that effect in aprox. 30 days. He also encouraged me to contact the Federal Trade Comission ato report I D Theft. I need to add I did not apply any funds to this card.
Product: Money transfer, virtual currency, or money service

Someone hacked my Zelle account and transferred money without my permission by gaining unauthorized access to my banking credentials. I did not share my login information or approve any transactions, yet I noticed that funds were transferred without my knowledge. This indicates that my account was compromised, possibly through phishing, malware, or another form of fraud. As a result, my money was stolen, and I am now working with my bank to dispute the transaction, secure my account, and prevent further unauthorized access.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I did not authorize or give permission in writing. 
XXXX and Equifax Credit Reporting agency XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX 2022
Product: Credit reporting

TransUnion had a computer glitch in their system that violated the rights of their consumers Under sections 6.11. I have been gravely affected and my score is suffering as a result. This computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I have Spoken with multiple Reps of TransUnion and they all acknowledge that the glitch happened multiple times in XXXX but they refused to fix their error in my credit report. I am requesting that the reinserted inquires be permanently removed from my credit report. I demand the following inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$260.00}
Product: Money transfer, virtual currency, or money service

XXXX a payment was made on PayPal to the email address of XXXX for a fan card. It was charged to goods and services as it should be. This seller claimed they couldn't revive the funds this way. I told them to send the funds back. They claimed that I had to do this. I have tried with PayPal to resolve this because I have received nothing. And the {$300.00} was taken out of my bank account. Persons name is supposedly XXXX XXXX. I believe he is scamming people like me. Please help. 
XXXX XXXX
Product: Debt collection

Received bills from XXXX XXXX for services related to out patient XXXX. My insurance carrier ( XXXX XXXX ) required multiple pre-authorizations which were provided as directed. XXXX was in XXXX of XXXX. After receiving bills for hospital services I contacted the Hospital for direction and they suggested that my Insurance Carrier should be contacted. I kept receiving bills from XXXX XXXX which I kept disputing because they ( XXXX XXXX XXXX had not divided the bill nor did they bill the correct insurance ( coded incorrectly repeatedly ). XXXX XXXX resubmitted the account for insurance and was paid a portion of the outstanding debt by XXXX XXXX. I received a corrected bill from XXXX XXXX and paid that bill within 7 days of receipt. In the mean time, this account was sent to collections and I disputed this within the 30 day time frame with each of the 3 reporting agencies. All agencies EXCEPT XXXX removed the information after confirming that account was not eligible to be sent to collections. 
When I disputed this account in XX/XX/XXXX with XXXX once again they stated the information is accurate. Clearly they never researched this account. I demand that the collection account be removed for being inaccurate.
Product: Debt collection

Never had an account with the company reached out via mail requesting a contract or any information that shows proof that I had an account and agreed to pay them. Nothing in response.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) XXXX XXXX account # XXXX 2 ) XXXX account # XXXX 3 ) XXXX XXXX account # XXXX 4 ) XXXX account # XXXX 5 ) XXXX XXXX  account # XXXX 6 ) XXXX XXXX account # XXXX 7 ) XXXX account XXXX XXXX 8 ) XXXX account XXXX XXXX 9 ) XXXX account XXXX XXXX 10 ) XXXX XXXX account # XXXX 11 ) XXXX account # XXXX 12 ) XXXX account # XXXX 13 ) XXXX XXXX account XXXX XXXX 14 ) XXXX account # XXXX 15 ) XXXX account # XXXX 16 ) XXXX account # XXXX 17 ) XXXX account XXXX XXXX 18 ) XXXX  account # XXXX 19 ) XXXX account # XXXX 20 ) XXXX account # XXXX 21 ) XXXX XXXX XXXX account # XXXX 22 ) XXXX XXXX account # XXXX 23 ) XXXXXXXX account # XXXX 15 U.S.C 1681 SECTION 602A 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 1681 c. ( 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 WGICH 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIVE THAT THE INFORMATION IS INACCURATE.