23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX {$11000.00} XXXX {$420.00}, XXXX mobile $ {$100.00}, XXXX XXXX account {$480.00} and XXXX accounts of self leader has violated my rights. 

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 suppose to do this ( XXXX XXXX Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to 15 USC 1681s-2 they are suppose 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX was the original creditor which sold this account to XXXX this account was paid but wasn't updated as paid
Product: Debt collection

I am receiving letters about a debt that belongs to my significant other. We are not legally married nor are we tied together financially. I have called the company and so has he to let them know and they continue to send me threatening letters. They have now sent me a letter threatening to garnish my wages. He is paying the debt and they continue to send threatening letters. Id like to pursue legal action at this point.
Product: Debt collection

Received letter from Attorney XXXX XXXX XXXX stating that a lawsuit has been filed. American Express Index XXXX. 

I have not received anything about this. I called the County Court and was told that an incomplete summons was filed. This was apparently filed by XXXX debt buyer attorneys. I have never received any information regarding anything from this XXXX at all. Their website is extremely frightening and confusing to the consumer filled with legal terms that the average consumer does not understand. Hence, I am contacting CFPB for help. 
I have been paying americian express on my fixed income. Why am I being threatened by a lawsuit when I have been paying? I do not understand. I am a senior citizen on a fixed income and am doing my best. Please help me.
Product: Credit reporting or other personal consumer reports

Regarding the reliability and correctness of your most recent inquiry into these accounts that are showing up on my credit report, I have concerns. I thought the item was not being reported legally, therefore last month I asked for an investigation. A few days ago, I received a letter informing me that you had stopped looking into my credit reports because you thought I had employed a third-party credit repair company. I think this is a flagrant violation of the FCRA as well as a stall tactic on your part to give you another 30 days to comply with my initial request.
Product: Debt collection

I have a debt collection reporting on my credit for an outstanding balance due to medical services. I have never had services performed with this particular network provider. Nor do I recognize the charges that were made. This information is completely false.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX , XXXX Dispute type : Incorrect date of first delinquency There is no supporting medical statement showing the date. I requested to remove incorrect delinquency date from my credit history many times, and Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. The medical bills need a statement date as a due date not a service date. 

ALSO I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

Hello. I have been fighting a long hard battle with XXXX XXXX XXXX in terms of XXXX XXXX. XX/XX/XXXX I tried closing my account and was told that with the long battles I had coming back and forth to the gym that I would not be charged again or charged any cancellation fees. The following month, after several failed attempts I got an email from a woman stating that I do have to pay a cancellation fee and that she would terminate my account at that point so I do not incur any other amounts. For months after I received automated emails stating my card could not be charged and time and time again I sent responses to the gym stating that my account should have already been closed. I contacted the XXXX to notify them of the failure to communicate and the failure to follow requests and mistakes that they had continued to make causing me a bad name and credit. I also addressed my fear in getting a possible collection letter in my name due to these large mistakes they were causing. After the XXXX got in touch with the busin as, I was notified that my amount owed was only {$13.00}. 3 days ago I went to the gym to confirm the amount owed and pay the {$13.00} owed. Turns out, the gym stated I owed {$76.00} and some change. Also while in the gym, I was told that they do not send people to collections anymore. Just last night I received a letter from Aldous & Associates claiming to be requesting a debt owed in the amount of {$230.00}. I once again contacted the XXXX to reopen my case and am hoping to get in touch with someone who can clear my case and my credit. I never received a debt collection and now I have one wrongfully reported. I need assistance addressing this and information on any further steps that I can take to ensure safety of my finances and my good name as well as my credit.
Product: Credit card or prepaid card

I cancelled my secured Diamond Citibank Mastercard account on XX/XX/XXXXXXXX I now have 3 seperate and unsecured credit cards with limits totalling {$12000.00} and I no longer need a secured card with a credit limit and security deposit of {$400.00}. When I called, I initially inquired about converting this secured account to an unsecured account and asked for a refund of my security deposit. I have always paid my full balance in full every month since having the account. They seemed to have no interest in doing so in spite of the fact that my credit scores were XXXX, XXXX, and XXXX at that time. With that in mind, I paid the open balance of {$16.00} and was told they would credit back the annual card fee that they had only recently added to my account. I told them to just cancell the card and send my deposit refund. They told me the deposit would be sent within 21 days. 

I received a letter from Citibank about a week later dated XX/XX/XXXXXXXX XXXX This letter stated that my Collateral Holding Account ( CHA ) would be closed in 21 days in case of any pending transactions on my account. 

Their letter also told me to call them to request a refund of any credit balance on my credit card account at XXXX, so today I called. Well, that number is NO GOOD. It is strictly a phone number used to solicit additional business for them. I obtained a different phone number of XXXX and called them. I was told initially it could take up to 100 days to refund my deposit if there was still a balance on my account, which there is NOT. I was not satisfied with this answer, so at my insistance I asked for and spoke with Supervisor, XXXX, who told me the CHA has a maturity date of XX/XX/XXXX and that my security deposit won't be refunded until then! I told her this does not sound ethical or LEGAL. There is NO REASON for Citibank to hold onto my money for another 5+ months! As it is, Citibank has had my deposit for more than 2 years already and does not even pay a XXXX 's interest on this deposit! This simply isn't right. 

She refused to do anything more about it and ultimately transferred me back into their automated attendant system where she knew it would take for ever to be able to speak with someone again.
Product: Debt collection

Im unaware of this debt. I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I ask XXXX, Transunion, and XXXX to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts 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, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : 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 Reason : Account is fraudulent.
Product: Debt collection

This company has put a almost {$8000.00} debt on my credit and I was never notified about owing the hospital anything this has caused my credit score to be affected really badly
Product: Checking or savings account

I bank with capital one I have been lied to multiple times they leave me on hold I got paid Wednesday XX/XX/XXXX and did not hear nothing about this issue until XXXX XX/XX/XXXX But was told prior to that I would have my check by XXXX that night just to get me off the phone it has been 73hrs and I have not received anything. Me and my family have needs I pay my bills on time I pride myself on that please don't let Capital one get away with there mistakes they keep ha ing issues.
Product: Debt collection

While applying for a loan, the loan officer asked me to explain a debt that was in collection with XXXX XXXX XXXX for {$1600.00}. This was first brought to my attention on XX/XX/XXXX. 

I called XXXX XXXX XXXX to clarify the issue. Finally, yesterday, on XX/XX/XXXX, and after several calls with them and visiting an XXXX XXXX XXXX  store twice in person, I was able to get access to the account that was opened under my name, even thought it was not me. I had to go in person to show my ID and be able to get access to the account, as it had an email that I do not recognize, I did not have the password, passcode, or security question. 

It was shared with me that the address on the account was : XXXX XXXX XXXX, XXXX, AL. 
I have never been in Alabama, I do not know the address, and I do not know anyone in Alabama. 
The XXXX account number is XXXX, and it was allegedly opened some time in XX/XX/XXXX. 

The collection is because the person who used my name did not return an XXXX XXXX XXXX modem. 

XXXX XXXX XXXX indicates they can not do anything now that it was sent to Collections with the company Radius Global Solutions LLC, even though I had never received any notification of the alleged debt.
Product: Debt collection

I sent them numerous letters requesting verification because this debt is not mine and they still have not sent me anything or responding to my requests.
Product: Vehicle loan or lease

Credit KarmaXXXX XXXX sent me multiple emails stating offers to refinance my current auto loan for lower rate. They listed several offers with ALL of my current loan and credit information. Age of vehicle, current lender, current loan balance, how many payments I have already made, vehicle mileage. My credit scores. Everything was already on thier site! All I had to do was select which one I wanted to go with. I did select one that would lower my current rate by approx XXXX %. I filled out the loan questionaire. They sent me " congratulations your loan is approved! '' call us email. They then proceeded to tell me the rate would be much higher than my current rate, but they would be able to lower my payments by refinancing at a longer rate.?? Not interested!! It was a complete " Bait and Switch '' operation. A total waste of time for me. They also did a hard inquiry to my credit reports and my credit rating have dropped XXXX points because of this. My credit score is almost XXXX! Between Credit Karma and XXXX XXXX they had every possible piece of information to make a decision before I even clicked yes I was interested. I also found out that Credit Karma was sued for {$3.00} Million by the FTC for same type of practices.
Product: Credit card or prepaid card

On a cold XX/XX/XXXX, the most dreaded thing that could happen when it comes to heating happened, the furnace malfunctioned, failed, and set off the carbon monoxide detector. Being right after the holiday funds were low and I contacted many different companies for help. The only company open was XXXX XXXX XXXX ( local ) and the well known XXXX XXXX. XXXX XXXX actually outsourced their work to XXXX XXXX XXXX as they have no actual furnace repair team that works at XXXX XXXX. I know this now but this is where the confusion began. I had been paying about {$100.00} a month since then however recently something went wrong and it has taken me months to unravel. When I purchased the furnace from XXXX XXXX XXXX they opened a credit line separate from my already established XXXX XXXX credit line. I know this now nearly 2.5 years later. That credit line did not say XXXX XXXX  XXXX but XXXX XXXX XXXX which made me think that is was just a major HVAC purchase under my XXXX XXXX account. When the balance increased I knew something was n't right and I realize this has nothing to do with XXXX XXXX  or XXXX XXXX XXXX for that matter but a credit line with Synchrony Bank that was used to pay XXXX XXXX XXXX. Initially when I realized this was a completely different credit line I immediately reached out to a law office thinking someone opened a credit line in my name, with investigation I unraveled the truth. In the meantime I have been slammed with over {$900.00} in deferred interest and late charges. Some suggested that even that in itself seems predatory but I am writing as a thankful customer, appreciative because without this I could very well be homeless or worse so I thank you Synchrony Bank but please consider waiving the deferred interest and fees and I will pay this off as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXXXXXX XXXX  XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After more than a year of unemployment, I got my first paycheck. I used the chase mobile deposit features on my app because I needed the funds made available as soon as possible. When I called customer service, they assured me that the funds would be available the next day no later than XXXX XXXX. after being put on hold three hours wait with their " hold department '' ( XXXX ), they won't release my funds or let me cash my paycheck somewhere else. I need these funds for transportation to my next shift as well as to live. JP Morgan Chase is refusing to give me my salary, and it is ridiculous because i don't work for a mom-and-pop shop I work for an XXXX XXXX XXXX the funds are guaranteed.
Product: Checking or savings account

BBVA refuses to give me my money from my bank account, over {$5000.00}. They refuse to speak to me over the phone. In person they say " we can't help you, '' and refuse to transfer my money to a different bank until " the issue is resolved. '' I will literally be homeless if I can not access my bank account.
Product: Debt collection

USAA Savings Bank issued a credit card in my name to someone else in a different state on XX/XX/2020. I did not find out about this situation until approximately one year later when being contacted by a collection agency. I have contacted USAA concerning this issue and they refuse to talk to me directly nor rectify the situation.
Product: Credit card or prepaid card

I have been unable to access my PayPal Extras MasterCard account online for months. When I log into PayPal, I can see my card balance. When I try to open the website where I can make payments and see my statements, I am directed to : https : //paypal.syf.comXXXX This message appears on the page : Login Not Permitted We're sorry. We have a problem with your account that needs to be fixed before we can restore your online access. 

Please call us at XXXX This is the customer service number for my PayPal Extras MasterCard. I have called them at least once per month since this issue began in 2017. 

These are the actions they have taken over the phone : They have sent me a new card. Three times they have said my card wasn't " linked '' and they have " linked '' it. They emailed a manager. They have sent me a portion of my old statements by mail. 

I keep calling and telling them my issue. Each time, the customer service agent does one of the above mentioned and says I should be able to login within 2-3 days, and sometimes 7 days. I have told them I would complain or consider closing my account if it wasn't resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with Experian and XXXX twice due to concerns that I never had account with XXXX XXXX and they failed to verify this information with a signed contract. I have never received a bill or a contract that says that I need to pay this debt nor have I signed anything for agreed to anything regarding this account. 

To date Experian has not been able to validate that this account is even mine. I have tried to dispute this account multiple times in hopes that they would comply with the Fair Credit Reporting Act and I have been unsuccessful in my requests for them to validate this account. 

I have also tried to dispute this account with XXXX and have been shoved to the side and not attended to. XXXX   has not even replied to my dispute and request to validate this erroneous account.
Product: Debt collection

XX/XX/XXXX I had XXXX XXXX perform a XXXX. weeks later I received a bill from the insurance company. XXXX made an error -- had ordered XXXX. after many calls to XXXX and much time spent then the bill was removed. 
I now have received a collections bill in the amount of XXXX the bill is for a XXXX fee for the XXXX. the bill from XXXX was XXXX dollars. the collection agency charged XXXX to collect on this " debt ''. the fair debt collections practices act prohibits a fee being added to collect a debt.
Product: Debt collection

Jefferson CapitalSystems has reported a collection account to my XXXX, XXXX  & XXXX  credit files. I do not owe this alleged debt. If Jeffersonhas the right to collect this debt in accordance with the FDCPA I am asking for validation of this account via contractual documents stating and proving that I agreed to and that I am responsiblefor this account. Jefferson Collections has no legal right to attempt to collect a debt. Jefferson has not validated this debt nor sent me a notice of collection. Jefferson is inviolation of the FCRA.