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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX has violated my rights. 

15 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I do not owe Columbia Debt Recovery, LLC dba Genesis. I have never lived at XXXX XXXX. I have been residing at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost 13 years since XXXX  This account is fraudulent. I never signed an agreement with Columbia Debt Recovery, dba Genesis. This company has failed to produce written documentation proving that I owe this debt. I demand Columbia Debt Recovery, LLC dba Genesis stop reporting this to the following credit bureaus : XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported incorrect information on my credit report. Affecting my credit score XXXX points and my balance amounts ( XXXX XXXX XXXX XXXX XXXX ). That has now caused my family and I to take a financial decline. 
It is causing me to miss work opportunities and investments. 

I have filed a police report. 
Experian is reporting accounts that aren't being properly reported nor validating information accurately. Then, later correcting the error. Still causing a negative XXXX points to impact my FICO score. Which I the consumer have yet to recover from. 

Currently, EXPERIAN is reporting another fraudulent account. 


account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX has acknowledged that the account they obtained with my personal information was fraud and closed it on their end along with not reporting. Yet, are still selling my information to collectors. 
This debt that XXXX now sold to XXXX XXXX XXXX to collect a debt that XXXX created/allowed illegally!
Product: Money transfer, virtual currency, or money service

-X/X/17. I scheduled an online wire transfer of {$13000.00} through my bank Chase, to my dad 's bank XXXX. 
-The transfer was denied and I was charged {$25.00} by Chase for the wire. An additional {$45.00} was taken by XXXX. 
-I called and emailed to complain about the charge and missing money. Chase refunded the {$25.00} wire fee but would not do anything about the missing {$45.00} taken by XXXX. 
-I asked Chase to investigate the matter with XXXX . Chase later contacted me saying that the matter would have to be resolved by myself and the XXXX. 

I am contacting CFPB to complain about Chase, as their representatives were uninterested in getting my money back. I am also complaining about XXXX XXXX XXXX as they collected a fee without my knowledge or consent.
Product: Debt collection

I have contacted on multiple occasions I have a settlement for XXXX with XXXX, XXXX  and XXXX. Transworld is trying to collect on the same debt but for XXXX they are reporting on me yet they do not have my account in their office. It 's with XXXX XXXX and XXXX when ever I call they say it 's not their problem call XXXX XXXX and XXXX and that their not reporting on me which they defiantly are.Transworld refuses to speak to me or solve the problem I have done multiple disputes and gotten no where.they are reporting to XXXX and refuse to fix it and I am tired of getting the run around by it 's not my fault talk to someone else.
Product: Debt collection

Portfolio Recovery associates attempted to collect a debt that was allegedly transferred from XXXX XXXX XXXX. 

I filed for Arbitration with XXXX XXXX as permitted in the contract. 

Portfolio Recovery failed to pay the fees to initiate Arbitration. 

This is a severe violation of my rights. Including FDCPA, FCRA, and breach of contract. 

They continue to report this account to XXXX and XXXX.
Product: Mortgage

I live in XXXX We want to make improvements to our house with a HELOC. M & T Bank doesn't offer any services for their customers in XXXX I am handcuffed because other banks I have spoken with do not offer services unless your first mortgage is with their bank. So my family can not make any renovations, save money, lower rates, increase our lifestyle because of M & T not offering us any services.
Product: Credit reporting

The XXXX XXXX - XXXX ...., Tradeline is Incomplete, and incorrect. 

XXXX XXXX - Account XXXX .... 
This account : 1. The Account was opened in 2007 2. Is missing its balance history for the duration of the time the account had been open 3. Is missing Payment Data for the duration of the time the account had been open 4. Has erroneous comments added - to this and almost all of my accounts. 
5. The terms - are monthly, and left at NA Please Verify this account, and its payment and balance history, or - delete the record because its incomplete and inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I am contacting NCB in regards to proper resell of vehicle again. I have now received and reviewed what you have mailed, however, I see inaccurate and invalid dates. The dollar amount of {$16000.00} you are reporting to all 3 bureaus is not the deficiency balance. NCB has not outlined their calculation and is the wrong dollar amount. At this point I believe there was not a proper resell of the vehicle as it is not properly outlined or how it was determined. Is this why XXXX XXXX, whom you outsourced to, submitted the file back to you a week after questioning the account? Not only am I skeptical, but Im also disgruntled. Not to mention how aggressive and helpless the representative/manager made me feel when I called in and mentioned disputing the file. 

I demand that NCB remove the report from all 3 credit reporting agencies ( XXXX, XXXX, XXXX ) as this has harmed my credit and is considered a violation of the FDCPA and FCRA. Please do not contact me anymore either.
Product: Debt collection

Americollect is not my debt they were not able to validate this account belonging to me
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference ID : XXXX Original Account Number : XXXX Balance Due : {$1100.00} I have been harassed via email on this debt I know nothing about. 
Even after my request to verify/validate the debt, this debt collector has not responded. 
Below is an excerpt of the many email communication received, " This is our final notice regarding your XXXX account. We have attempted to contact you more than XXXX times over the past 60 days without receiving a response. 
Once your account is closed, the 50 % settlement offer and payment plan option will be void, and the full balance will be pursued. 
This is your final opportunity to arrange a payment plan or settlement before we close your account : Pay Online or Set Up a Plan : Click Here Payment ID : XXXX If you can not pay the settlement in full today, your only option is to " decline the settlement offer '' and arrange payments for the full balance. 
Regards, XXXX XXXX Lela Mae Portfolio Management Group XXXX ( XXXX ) XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by the Federal Trade Commission ( FTC ) the recent Identity Theft Report I sent to Chex Systems in regards to fraudulent and unauthorized inquiries listed on my Chex Systems Consumer Report ID : XXXX, Chex Systems is suppose to accept the Federal Trade Commission Identity Theft Report and immediately delete and remove fraudulent checking accounts and inquiries from a consumer, consumer report. I have sent Chex Systems numerous Federal Trade Commission ( FTC ) Identity Theft Reports in regards to fraudulent and unauthorized inquiries and checking accounts listed on my Chex Systems Consumer Report. Chex Systems continues to keep fraudulent and unauthorized inquiries listed on my consumer report. I want Chex Systems to immediately delete and remove the fraudulent Inquiries Viewed By Others and Only By Me from my Chex Systems Consumer Report : 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: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my annual credit report & my name first & last is incorrect under Equifax.
Product: Credit card or prepaid card

during covid 2020 I contacted the credit card company to ask for a reduced monthly payment because i lost my job. The person whom I spoke to refuse to work with me and told me that they would close the card and it would impact my credit. I begged them to just take the payment i was offering until I got back on my feet and the representative flat out declined. A few days later the card was closed by the creditor and my credit was impacted.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX -- {$5100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/20 I initiated a transfer of {$8000.00} from my Chase checking account to my XXXX savings account. The amount was debited from my Chase account on XX/XX/20, but has never been deposited to my XXXX account. I have attempted to file a claim with Chase to have the funds returned to my Chase account, and the Claims department has given me multiple different answers for why they can not assist. On XX/XX/20 at XXXX CST Agent XXXX stated she was unable to assist and would need another department to help. She transferred me to agent XXXX at XXXX. XXXX stated she saw the transaction went through from Chase to XXXX, but stated I would need to call XXXX  XXXX XXXX to have it reversed. She could not explain how or why XXXX  XXXX XXXX was involved in the transaction, but as adamant that she would not complete the complaint until I called them. She provided a telephone number for XXXX  XXXX XXXX, which I attempted to call and found was out of service. XX/XX/20 XXXX CST : Initial CSR read the notes from XXXX and XXXX and stated he wasn't sure why XXXX  XXXX XXXX XXXX involved, but he believed the issue was with XXXX XXXX XXXX This also made no sense. He transferred me to CSR XXXX. XXXX 's line had extreme feedback and was not audible. She placed me on hold for 15 minutes before the line died. After the inability of the phone support staff to resolve the issue I attempted to resolve the issue via the Chase Secure Message service, but I was told on XX/XX/20 and XX/XX/20 that complaints must be routed through the phone center.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek full appropriate redress for these violations.
Product: Debt collection

Levy & Associates LLC has contacted me over 12+ times for debt that I do not owe. I have sent them ( 7 ) separate letters via fax and USPS mail since XXXX XXXX  to Cease & Desist, yet they continue to contact me. 

They have threatened to garnish my bank account and continue to pursue debt after they have been repeatedly advised that I receive Social Security Disability. They recently contacted my bank for financial details as well. 

I have copies of all letters and faxes that have been sent to this company since XXXX XXXX  XXXX
Product: Debt collection

I have had calls every day for two weeks on my work cell phone. At work at XXXX XXXX  like clockwork. When my legal aid help called for me and asked if they were a debt collector they refused to inform him without confirming it was me they refused to give him a manager they refused to give any divulgence of any information and then hung up on him on seven different occasions.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that Experian will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Closed. {$770.00} written off. 

Account Name XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Account charged off. {$760.00} written off. {$530.00} past due as of XXXX XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Status Paid, Closed. {$660.00} written off. 

Account Name XXXX XXXX XXXX Account Number XXXX Status Account charged off. {$640.00} written off. 

Account Name XXXX  Account Number XXXX Status CLOSED  15 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 1681C ( A ) ( 5 ) SECTION STATES No consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I closed my Apple Card on XX/XX/XXXX due to me deleting the Apple XXXX associated with it and I was told that I will be able to re open the card and my credit will not be affected if I reapplied so I reapplied for the card on XX/XX/XXXX and was denied and received a inquiry that I was not approved for the card even though the card I was forced to close was in good standing due to it being permanently associated with the Apple XXXX I called Goldman Sachs and informed them about the situation that I wanted to keep the card and I was unable to get this resolved. Please call me at ( XXXX ) XXXX the number on this complaint is incorrect
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXXXXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681e ( b ) ensuring maximum possible accuracy. The deficiency balance on this account show different.
Product: Credit card or prepaid card

My XXXX I have had for 3 plus years and have never ever ever missed a payment and always paid in time. I have never asked for extensions and I always pay a little more than minimum due. My credit limit was {$8900.00}, which I have never been close to reaching and Barclaycard automatically went ahead and dropped it to {$6100.00}. Now they have hurt my credit report by showing my credit usage has gone extremely up and I feel that is very shady and uncalled for being that I am a long term customer and have been loyal and paid my bill on time every single month. Now my credit report is affected. I have no unpaid debts, EVERY SINGLE one of my credit cards or store cards are paid on every single month. I have a very steady job no gaps in that, no bankruptcy, no payday loans, no outstanding doctor bills even and this company does this to me. I feel this is very very wrong and at the least they should move it back to the {$8900.00} as they are causing harm to my credit report. I have reached out to them and got no response, I would like this fixed. I have attached my information from my credit report showing I am in very good standing with this company AND even shows I have never been late and pay my bills. Once this is reported in XXXX by Barclaycard they will have done major impact to my credit report and score and that is not right at all. I am at no risk not paying my bills and never have. My own bank account is never in the negative either!! This is not right at all
Product: Checking or savings account

I am writing to file a formal complaint against Navy Federal Credit Union regarding a dispute with XXXX XXXX XXXX. The company engaged in false advertising, stating that individuals who sign up will only pay per booking. However, I was charged {$2500.00} with no contract, agreement, or deliverables provided. I have filed a dispute with NFCU, but there has been no response.

Timeline of Events : 1. False Advertising : XXXX XXXX XXXX falsely advertised a pay-per-booking model, which enticed me to sign up for their services.

2. Unauthorized Charges : Instead of paying per booking, I was charged {$2500.00} without any contractual basis, agreement, or services rendered.

3. Request for Refund : I promptly requested a refund from XXXX XXXX XXXX due to the lack of services and the misrepresented payment structure.

4. Dispute Filed with Navy Federal Credit Union : I filed a dispute with NFCU to rectify the unauthorized charges, but there has been no response, exacerbating my financial difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Equifax a letter via certified mail asking them to investigate and delete the following accounts due to multiple inaccuracies. In the letter I sent each inaccuracy was explained in detail. Enclosed in the letter I sent them was copies of my credit reports with all of the inaccuracies highlighted and circled. Today XX/XX/2022 I received their response in the mail. Instead them honoring my request they are requesting more information for proof of my identity which they already have. 

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 XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # 15 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 a account without my written instructions 15 U.S.C 1681c. ( 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 which 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : Capital One Accounts ending in XXXX and XXXX XXXX Account ending in XXXX XXXX XXXX XXXX  ending in XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.
Product: Bank account or service

I signed up for the {$400.00} checking account bonus online and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The promotion code was XXXX. Thank you.
Product: Debt collection

I got a call from I.Q Data International Inc on XX/XX/XXXX, they said I owe {$640.00} against XXXX XXXX XXXX. Since I never lived in any apartment with name XXXX XXXX XXXX I told them they are contacting the wrong person. 

I got a call again on XX/XX/XXXX and the representative stated that I owe money, else they will damage my credit. To understand the issue better I requested the representative to provide me with full details of debt and send me the details of debt with verification. She insisted I pay immediately with my credit card now or else she would damage my credit. When I mentioned I would pay only after verifying that I owe money and would not be sharing my credit card details to someone on phone to abuse. She mentioned that there is protection on your credit card and started to threaten me again saying " I am giving you one last chance, if you pay now we will not report it and damage your credit ''. To which I responded, I would not do that without validating my debt and hanged up the call.