23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I consumer XXXX XXXX currently submitting a complaint against a debt collection company as i received an update of my consumer report of Credit Collection Service reporting a collection account on my consumer credit report ( XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ). The reporting of this alleged debt they claim i owe violates federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I never given Credit Collection Service consent to have my personal information nor to report any alleged debt to the consumer reporting agencies which they have invaded my right to privacy pursuant to 15 USC 1692 ( a ). The alleged debt thats being furnished on my consumer report Violates the FDCPA 15 USC 1692e ( 2 ) ( A ) ( B ) as it is false and misleading representation as A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I demand that Credit Collection Service remove this alleged debt immediately from my consumer report. In this complaint i am notifying Credit Collection Service pursuant to 15 USC 1692c ( C ) that I refuse to pay alleged debt and to CEASE & DESIST all communication with respect to such debt they're currently reporting. The term communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. The term " person '' means a natural person or organization. I demand that the following account be XXXX out and removed from my consumer report ( XXXX, XXXX, XXXX ) immediately as it results in a form of communication as you are in violation of title 15 chapter 41 under federal law of the Fair Debt Collection Practices Act. Please see attached removal letter sent to Debt collection company Credit Collection Service through the CFPB with this complaint. Do to Credit Collection Service being in VIOLATION OF THE LAW. The law SAYS under CIVIL LIABILITY 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ contacted XXXX services in regards to unauthorized inquiries showing on my XXXX credit report. 

XXXX XXXX XXXX  - CBNA  ( not authorized ) XXXX XXXX XXXX -THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITIBANK NA XXXX XXXX XXXX XXXX XXXX XXXXCBNA XXXXXX/XX/XXXX, XXXX XXXX Card service
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Experian and XXXX  regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but Experian and XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.
Product: Mortgage

I called to schedule a payment, which was done. However, I called the loan company back and advised the rep to remove the bank info and Id like to update and use another bank to make my payment. I was advised the change was made. Well, they wasnt the case. They scheduled for {$1100.00} to be taken out of two accounts. They never processed the request to remove the incorrect account. Which they acknowledged the error they caused. Which caused me to have an NSF fee. After speaking with the payment research department, I was advised if I sent in proof, I would be reimbursed the NSF fee. I was advised by two different reps this would happen, I sent in proof and when I called back to check the status, another rep had informed me that I wouldnt be reimbursed and they have no way of doing that. My concern is this company is giving false information and not doing things they are telling customers theyve done. This is unfair business practice and unacceptable. Everyone is not on the same page here. Then I was told to take it up with my bank. But you caused this issue not my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported a debt against my Social Security Number that has heavily affected my credit score.XXXX  has reported the debt as being opened in XXXX of 2022. I know that time of debt has adverse affects on scores and they have intentionally listed the debt at a different date. The information on my credit report is inaccurate. I also have another company trying to collect the same debt Who is XXXX  giving my personal information to? Please delete my information as it is wrongfully being reported and please stop sharing my information with Indebted. In the response to this complaint.I would like to know how and why Indebted is contacting me and has my private consumer information? 
In the photos attached, you can see that you can pay indebted or XXXX.
Product: Debt collection

This company is in violation of the USA laws. We are currently in active Bankruptcy and they have contacted us instead of our attorney and attempted to collect money. The last executive was rude and disrespectful to my husband and we do n't have to be putting up with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the Appartmment at XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX did a background check on me and a whole lot of inaccurate information popped up on my report, I applied on XX/XX/. The information that populated was BMG money inaccurate, XXXX XXXX inaccurate XXXX XXXX inaccurate, XXXX XXXX-Inaccurate -- XXXX XXXX XXXX XXXX  -- fraud -- Inaccurate, I have inaccurate information being reported more than once over and over again, XXXX XXXX  XXXX- should not be on my credit report XXXX XXXX owe nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my Previous complain file XX/XX/2022. Its been More than 30 days since i filed a complaint disputing the following accounts XXXX XXXX XXXX account number : XXXX XXXX  account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number : XXXX XXXX XXXX  account number : XXXX XXXX XXXX  account number : XXXX XXXX  account number : XXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX account number:XXXX XXXX XXXX account number : XXXXXXXX XXXX account number : XXXX According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumers 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.

further more i wasn't notified within 5 business days that my dispute was being investigated. According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 2 ) ( A ) states thatThe consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I now Demand for the above accounts to be removed from my credit report as fast as possible
Product: Vehicle loan or lease

On XXXX XXXX, 2021, I purchased the vehicle at the end of the lease agreement through my own bank. Tesla Finance has an overpayment which is owed to me in the amount of {$5000.00}. Tesla refuses to refund the money owed claiming they are backlogged. The vehicle last XXXX in the VIN number is XXXX.
Product: Credit card or prepaid card

On XX/XX/2019 an electronic payment was made in ERROR to XXXX, Synchrony Bank, in the amount of {$9000.00}. This was sent from my primary checking account with XXXX XXXX XXXX XXXX. The payment was intended for XXXX XXXX.

I noted this when I checked my account on XX/XX/XXXX. At the time of the payment, I did not owe any money to XXXX and in fact had a negative balance. I called the number on XXXX statement, which is Synchrony Bank immediately. They refused to reverse the funds or to issue a refund, but would only send a check under the following conditions : 1 ) Must fax ( no email ) A signed letter from my bank officer on letterhead stating that a ) my bank account was not overdrawn at the time of the payment, and b ) that the funds would not be reversed. Must be faxed to " XXXX  '' at ( XXXX  ) XXXX.

2 ) Must fax a copy of my bank statement ( XXXX ) showing the balance after the payment was made to prove that there were no overdrafts.

3 ) After the above items are received and accepted, they would issue only a paper check to me, which could take 30-90 days. They refused to make any electronic refunds.

On XX/XX/XXXX a letter was faxed to Synchrony from my bank officer ( XXXX XXXX ) as they demanded ( see attached documents ). I called them on XX/XX/XXXX and they stated the letter had been refused as insufficient. The call taker ( XXXX ) said she didn't have a copy because all declined/refused letters may be shredded. She would 'try ' to call my bank officer back on Monday. ( on the same day I desperately faxed a copy of my checking account transactions to Synchrony, just to move the process along - they later said they never received it ).

They do not make outgoing phone calls, so I called them yesterday on XX/XX/XXXX. No action had been taken on my account. I spoke with XXXX  ( they do not provide last names ). After being on hold ( again, usually about 20 minutes ) she said the letter had to say that the " funds would be honored '' even though my account clearly showed a negative balance now of > {$9000.00}, and my bank had confirmed that the funds can not be reversed.

On XX/XX/XXXX, I contacted my credit union manager and had him re-draft the letter including the language " the funds will be honored '' as required and fax it. He faxed it yesterday, even though he was astounded at these demands. Again, Synchrony has not called or confirmed anything and they won't.

I've paid the XXXX  bill with other funds that were hard to find and XXXX  is working with me on fees and potential interest due on that ( the amount was so high because i paid my property taxes and XXXX travel, gifts, etc. with the card! ). I need the money back from Synchrony ASAP!!!!. They will only send a check IF they even accept the info submitted and then only by check and then only requiring a signature ( and I'll likely be at work, unable to sign when it arrives ). This is a nightmare, unnecessarily created by Synchrony Bank.
Product: Credit reporting

I made many attempts to access my credit files with Equifax between XXXX - XXXX XXXX, but it was hard @ first for me to get into the system online. I was told to answer some questions concerning my Identity before I could gain access to my files. I answered all questions correctly but was told my responses were incorrect and in order to access my file I needed to send in drivers license and other documents. I signed up for a trial membership under Equifax online and was able to access my files. When I was finally able to access my files online, I was not able to add comments to my dispute because special characters appear rather words. Since XXXX XXXX, XXXX I have filed XXXX disputes with Equifax and have received sixteen ( 16 ) e-mails informing me that my complaint had been received or the dispute was completed. These are the e-mails I received ; Wed. XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Monday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Sunday XXXX/XXXX/XXXX, Tuesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Thursday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Wednesday XXXX/XXXX/XXXX, Friday XXXX/XXXX/XXXX and today Monday XXXX XXXX. What is so strange every time I went to the Website to view the files I was always denied. It would take me back to step XXXX to start over. I consider these activities to be either fraudulent or harassment. I was told others they have experience similar situations. There are things in my file now that I have disputed that was changed from closed to collections over the last few days. My credit score do not move no matter how I pay my bills on time and keep a low credit utilization. I believe something is going on with Equifax practices.
Product: Debt collection

This account was linked to my XXXX XXXX XXXX, XXXX CA. 
I called XXXX a while back and closed the account when I moved out of the home. 
XXXX had my wrong email address, which they admitted to and they failed to update my forwarding address. 

The collection company failed to send me notice of adverse reporting. I recently got new service with XXXX, who only then told me an additional account was in collection and gave me the collection companys number, I immediately tried calling the collection company who told me that they couldnt find my account in their system and that I had to wait a month. 

Unfortunately after that time the account was already reported to my credit report. And now the collection company states they wont remove the account from my credit report. 

This has destroyed my perfect credit score and Im unable to finance properties for my real estate business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reasonable cause to believe that my nonpublic personal information is being shared without my lawful consent. I understand that the GRAMM-LEACH-BLILEY ACT XXXX ( MODERN MODERNIZATION ACT XXXX ) was created to ensure financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. And as you know nonpublic personal information is the personal information covered by the GRAMM- LEACH- BLILEY ACT is termed nonpublic personal information, which means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained. And the consumer only has Two federal laws that cover my personal financial privacy The Fair Credit Reporting Act and the Gramm-Leach-Bliley Act. Financial Institutions when they are in compliance safeguard my private information that must be secured against unauthorized access. 
And they must notify me the customer of my private information being shared between financial institutions and third parties and I have the ability to opt out of private information sharing. Which has not happened I found out by looking at my consumer reports being collected and shared by XXXX, Experian, XXXX and I saw that there allowing my nonpublic personal information to be shared with affiliated and nonaffiliated unauthorized third parties. 15 US CODE 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. On XX/XX/XXXX and again on XX/XX/XXXX I sent certified letters to XXXX, Experian XXXX and the financial institutions " opting out '' stopping of sharing of my nonpublic personal information with each other and with other and nonaffiliated unauthorized third parties. But I have gotten no response, no acknowledgment that they are or will comply under the GRAMM-LEACH-BLILEY ACT and the FAIR CREDIT REPORTING ACT 15 US CODE 6801 ( A ) ( B ) .Here is a list of financial institutions with the account # s that they are sharing of my nonpublic personal information. 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 So to be clear I never gave any of the credit agencies or institutions written authorization, lawful consent, to share my nonpublic personal information with affiliated or non affiliated parties. They never notified me, they never gave me a chance to " opt out '' and if so it wasn't clear or conspicuous to me. I was never given time to review the information and say " NO '' to the information sharing. 
XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I logged into my paypal account and suddenly my account was closed for 180 days without a reasonable issue and I can't receive or send money from the account
Product: Debt collection

While reviewing my credit files. I noticed a collection from Optimum Outcomes. I have never had any contract with this company. I have written to them several times to send me validation of said debt and have received nothing. Their negative information is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Error account or fraud account account was paid XXXX  XXXX Original creditor XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX This bill is from motor vehicle accident on XX/XX/XXXX This bill is part of a motor vehicle accident the was paid out by insurance company and if this bill was not paid buy insurance company any unpaid bills was sent to XXXX which is a 3rd party company who collects unpaid bills that my personal insurance or motor vehicle insurance may have not paid out So any unpaid medical bills I owe from this motor vehicle accident was sent to optum to collect payment and when this motor vehicle accident was settled by XXXX  XXXX was included in this and they agreed to take a settlement for unpaid past due bills from this motor vehicle accident to clear any medical debt i received from this motor vehicle accident this debt was part of that and paid off in settlement this account did show up on my Equifax credit report in XX/XX/XXXX settlement was in XX/XX/XXXX XXXX
Product: Checking or savings account

Hi, I received a Chime debit card and fulfillment materials on XX/XX/XXXX via USPS. Chime was immediately contacted same day by email to report an account was opened without my authorization ( email is the only available channel for customer service ). Chime responded on XX/XX/XXXX acknowledging my complaint and stating my account was closed. Further Chimes email stated, Please note that you will not be held responsible for any activity on this account. 

I received a 1099-INT for {$100.00} from XXXX XXXX XXXX XXXX On XX/XX/XXXX, I contacted XXXX XXXX XXXXk and was informed by the customer service representative my bank account was associated with Chime and that I had to speak with Chime regarding the matter. On the same day, I contacted Chime customer service to resolve why a 1099-INT was sent. My call was escalated to a supervisor ( XXXX ) at my request. My request was for Chime to correct the 1099-INT filing so I have no tax responsibility associated to the 1099-INT filing. Chime is yet to acknowledge my request or provide guidance how this matter can be resolved. 

There are a number of issues in my experience with Chime. Specifically, Chime filed a 1099-INT via XXXX XXXX XXXX for {$100.00} to an individual who reported a fraudulently opened bank account to Chime. 
Chime not taking action to prevent 1099-INT from being sent to an individual having a bank account opened fraudulently. 
Chime acting contrary to statements made to this consumer impacted by a fraudulently opened account. Specifically, filing a 1099-INT for {$100.00} when Chimes communication on XX/XX/XXXX stated, Please note that you will not be held responsible for any activity on this account. 
Chime holding this consumer financially responsible for activity associated with a fraudulently opened bank account. 
Chime not informing this individual in a timely manner ( i.e., immediately ) of a bank account being opened in their name. 
Chime relying on debit card fulfillment materials as notice to an individual of a newly established bank account. 
Chime allowing a debit card transaction without the account holder receiving the cardholder agreement in advance of the initial transaction. 
Chime not having telephone access fraud service representatives. Instead, Chime relies on email customer service which ultimately slows down the remediation process. 
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