23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After receiving a bill from them I contacted them certified mail usps XXXX requesting debt validation. They then sent me a letter asking me to help prove to them that I do n't owe the debt but no validation. They have continued reporting to the credit bureaus for unvalidated debt amounting over {$17000.00}. I have a right to see the medical bill and dispute charges of services I never received. Continuing to report the debt is illegal.
Product: Debt collection

Midland Credit Management is trying to collect a debt that was paid to the credit card company XXXX years ago. I have sent them proof of this, but they have ignored it and repeatedly call me, and have now sent a letter threatening to sue me.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. 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. 
XXXX and Experian These accounts : XXXX XXXX XXXX  Last reported XXXX XXXX, XXXX  {$3600.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX, are not complete and accurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

If, after any reinvestigation under paragraph ( 1 ) 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, And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Money transfer, virtual currency, or money service

Money was sent and not received to my account proof was sent and refunds requested no money back
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on BARCLAYSBK with Account XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

This is with regards to a prior Complaint ID XXXX. 
In this complaint I simply want to provide certain written documentations which I was previously unable to provide. This will be a letter dated XXXX XXXX, 2024, to BANK OF AMERICA ; and a notification from the post office of letters to be delivered to my mailbox. ( This notification by the post office can not currently be uploaded )
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax to dispute inquiries on my credit report not authorized by myself. 
equifax refused to investigate and dispute these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian regarding accounts on my credit report that were a result of identity theft. I sent them a 605 identity theft letter accompanied by the 605 law and an FTC identity theft report. The federal law required them to block the account within four days but Experian is persisting that their policy is higher than the federal law that regulates them. I was told that their policy is the reason they are not removing the fraudulent account. The account is XXXX XXXX. After contacting XXXX  XXXX the company agreed that if the account is resulting from identity theft experian must remove it. The company agreed especially because both XXXX  and XXXX have already complied and removed the account. I am also going to include the united states postal service tracking number for the 605 letter and ftc report that was sent to experian. The tracking number is proof that it has been well over 4 days since Experian has received the notice and they are choosing to disregard the law. 
Tracking number : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a credit line of {$28000.00} with American Express. 
I have an exceptional payment history. I've always paid on time and always way more than the minimum payment! I had {$13000.00} credit available. I called my town to pay my tax bill. I was paying {$2000.00}. The card was declined! I then received an email that, for no reason, my credit line was reduced to {$15000.00}. A reduction of {$13000.00}. By email. The day I'm paying my taxes. No explanation. No notice. No way of paying the taxes. 
I received a measly {$1200.00} stimulus check. American Express, I'm certain, did well. No notice of credit line decrease. Embarrassing, humiliating, stressful, and no alternative, or time to plan an alternative, for property taxes. Threat of foreclosure by reverse mortgage company if I can't keep up with taxes. 
I can't breathe! XXXX XXXX XXXX. Pay my bills. Good credit history. I can't breathe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I requested my free annual report from Equifax using XXXX. I filled in my personal information and answered the security questions. I then received a credit report for someone else. Looking at the report I noticed that we have the same last 4 social security number. I am attaching a copy of the report I received. This is not me. 

My concerns are ( 1 ) I was not able to get my annual credit report and ( 2 ) I was given someone else 's personal credit report without their permission.
Product: Mortgage

My monthly mortgage payment has been the same for the over 4 years since closing, ( with a variation of plus or minus {$20.00} at the most, due to insurance/taxes variations ). Since closing on the home, the mortgage has been transferred to several different companies, without me doing anything, which I understand is normal. Again- throughout the entire 4 + years, my monthly payment dues have been relatively consistent. 
XX/XX/XXXX, Wells Fargo acquired my loan from a company called XXXX XXXX. It is now XX/XX/XXXX. Up until now ( XX/XX/XXXX ), my monthly payment requirement has not changed. Upon going online to pay my payment for the month of XX/XX/XXXX, the amount due has now increased ~ {$150.00} EACH MONTH!!! After numerous  calls to Wells Fargo, to attempt to resolve the issue, I have been instructed to just pay it and they will " review '' my account ... Their explanation is they have decided that they need 2 + months " cushion '' in my escrow account ... ( why now, why all of a sudden? ) ... at this rate, this provides them with roughly {$1800.00} per year " cushion '' in addition to what has worked fine for over four years ... NONE of the previous mortgage companies that have held my mortgage have ever required this, nor had an issue with the monthly amount paid. Wells Fargo could have easily, and should have done some kind of assessment of the account NINE MONTHS AGO when they acquired the account from the previous company, and notified me of their issue then-not just out of the blue increase my payments unjustifiably almost a year later!!! I checked and verified increases in my homeowners insurance/flood, and taxes have only increased approx {$160.00} ( homeowners ) {$30.00} ( flood ) {$20.00} ( tax ) = $ XXXX/year. That's only an increase of ~ {$18.00} per month, NOT ~ {$150.00}!!! 
When someone purchases a house, car, or other major expense, they purchase according to their budget. With an additional ~ {$150.00} per month expense, this is NOT part of the original budgeted amount for a mortgage payment. In my opinion, Wells Fargo is attempting to regain funds lost in their recent lawsuits and frauds. Literally blindsiding families on a fixed budget with a SUBSTANTIAL monthly increase will not only lead to late fees, but foreclosures ... .This company needs to be put out of business for this latest unethical tactic. Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Third party debt collector ( MIDLAND CREDIT MANAG ) has incorrect information on report. Last reported date on my credit report by third party is the XXXX XX/XX/2022 but last activity is XXXX of XX/XX/2022 XXXXThird has not provided any form of validation. Third party is also suing me for debt.
Product: Prepaid card

I have funds in my Paypal account. Suddenly, Paypal limited my account and I am no longer able to access my own funds.
Product: Payday loan, title loan, or personal loan

I took a loan with TitleMax in over a year ago and they keep going up on my payments is not showing anything on the principal the loan was for {$1200.00} it hasn't gone down at all I've been making payments every month since I took out the loan
Product: Credit reporting or other personal consumer reports

Someone is opening credit cards, requesting loan approvals and using different addresses, work locations that are not mine nor did I work in those places. There are companies like XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toyota Finance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that have been using my old name that has not been used by me since I got married over 18 years ago. The individual or individuals that are using my information to try to open different accounts seem to be from California since those are addresses that I see under my credit report. They are using places that I've never heard of for work, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and different addresses as well. These are just to name a few of the companies and things being done as a pretense to be me.
Product: Checking or savings account

fraudalent transaction that have cause me to suffer i have reachdd out to my bank to allow them its fraud they mentioned it was an ach payment and cant do nothing about it XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX XXXX amount XXXX
Product: Student loan

I took out a student loan with XXXX while studying in XXXX. The debt was sold to American Education Services, which is supposedly run by the government of Pennsylvania. The company contacts me incessantly about paying my student loans, which I do pay in the full amount every month. They are very frustrating because their website does not work and they do not send out paper statements about the details of the loan. They only send an email reminding me to pay, but no other details. Since I can not use their website to pay I have to pay through my bank. Recently they have increased my monthly payment but I have no idea by how much. You should see the complaints about this company, just look at the website XXXX and look for the company. I would like to pay off the loan in full and transfer the debt to XXXX where I now live, but I am afraid that I wo n't even be able to do so since there is no paper trail.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to legged posting of charges and credits, this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

Recently I checked my consumer report and noticed items to be inaccurate on my report. 
15 U.S. Code 1681e - Compliance procedure ( b ) ACCURACY OF REPORT 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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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.

Taken directly from out of the IRS 2021 publication.

The IRS clearly defined a charge off as gross or ordinary income.

INCOME DOES NOT GET REPORTED ON THE COMSUMER REPORT.

Which in fact makes your reporting of this account inaccurate.

By, definition the IRS Cleary says a cancelled or charge off is income. Reporting this account as a debt is inaccurate.

Which in fact your reporting of this account inaccurate!

The IRS clearly says a cancelled debt or charge off is income.

The reporting of this account as a debt is inaccurate.

The above paragraph was taken directly from out of the IRS 2021 publication.

Delete this inaccuracy from my consumer report immediately.
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. 

Account Name : XXXX Account Name : XXXX Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX has violated my rights. Or list of inquiries 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

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE an acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Admittedly, I unknowingly participated in the process by providing essential personal information before I realized I was being scammed. On XX/XX/2022, I called a number from an email invoice supposedly from XXXX on the purchase of an XXXX laptop for {$340.00}. Since I had not made such a purchase I called the phone number ( XXXX ) to inquire. Identifying themselves as XXXX XXXX XXXX  Fraud Security Unit. I was informed that my XXXX account had been hacked. The laptop was purchased by a " XXXX XXXX in Ohio '' I was asked questions about if I knew the person or anybody in Ohio that would have access to the account etc. I responded NO, I rarely use the XXXX account. Instructed to go to XXXX XXXX and download " XXXX ''. They took control of the cell phone, I was instructed not to touch it or answer calls that were coming in. They signed me up for Wise.com using the personal information provided. Apparently, they knew I had a XXXX XXXX credit card because they asked if I had it. They used that information to charge {$1000.00} putting it into the Wise account they set up in my name. ( This detail I discovered through my investigation ) When I protested the charge to XXXX XXXXXXXX " No mam, no charges to your account this " is blocking codes '' so we can block the Ohio hacker. {$990.00} was sent to XXXX XXXX ( XXXX ). I became suspicious when another charge was attempted for {$850.00}, however, it did not go through declined by XXXX XXXX. I was asked for another card or if I had a XXXX XXXX account. By now knew this was not right and a scam. Protesting and refusing to cooperate further, I was transferred to a Manager, XXXX XXXX who tried to convince me they were legitimate. However, while on hold though told not to move my phone screen. I more closely evaluated the initial email that prompted my phone call and realized it was phishing. The bottom line this {$990.00} charge was obtained fraudulently. I am disputing the {$1000.00} charge with XXXX XXXX and seek your cooperation in getting the {$990.00} from XXXX XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

This is infuriating it's stressing me out, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and disregarded. As a consumer, I know I have rights and that very right is being violated with what you are reporting on my credit that are not the maximum possible accuracy and is erroneous, which have been already deleted by both XXXX and XXXX. It's hurting my credit score and impacting my life negatively.
Product: Debt collection

Bleier & Cox APC and associates have contacted my bank to supeona my bank records in order to illegally collect an unlawful and fraudulent debt that I never had. I received a letter from my Bank indicating that this firm has gotten a court order to get all of my bank accounts. This is against my privacy rights. This is against the FDCPA THIS LAW Firm has illegal and harassing tactics to steal and collect monies from people that do not owe any debts. This company needs to be shut down and investigated. As a Law Firm they should know better, but they hide and fraudulently steal from people. I never had any contract with them or what they are claiming. This is Fraud and want them to cease and desist. Bleier and Cox should be fined. Their tactics are a deliberate violation of applicable laws and statutes. I am an elderly person that this Firm is trying to take advantage of. It is elderly financial abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX5 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion report XXXX XXXX  - XXXX XXXX did not request an inquiry from this company XXXX XXXX XXXX XXXX, XXXX did not request an inquiry from this company XXXX  XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX - XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX - XXXX XXXX did not request an inquiry from this company XXXX XXXX XXXX XX/XX/XXXX did not request an inquiry from this company XXXX  XXXX  - XX/XX/XXXX did not request an inquiry from this company XXXX XX/XX/XXXX did not request an inquiry from this company XXXX- XX/XX/XXXX did not request an inquiry from this company XXXX XXXX  - XX/XX/XXXX did not request an inquiry from this company XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not request an inquiry from this company None of these inquiries were authorized. According to the FCRA legally these items are unauthorized and must be removed.
Product: Checking or savings account

Wells Fargo took {$100.00} from me without notice or cause for unauthorized transactions. Even after I disputed the charges they refused to refund the money and charged me extra over draft fees. I have also incurred a lot of pain and suffering.