23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a letter on XX/XX/XXXX to remove collection accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX Ive already included this in my previous Complaints & I am including it again., XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$920.00} XX/XX/XXXX
Product: Checking or savings account

As in my XXXX complaint, XXXX, The comerica bank automated system is not asking for my PIN number when I call from a phone other than the number they have on file. 
When accessing the system from other phone numbers the system only asks for the last XXXX digits of my social security number and my date of birth then proceeds to give me my account information. The last XXXX digits of my social security number and my date of birth are known and /or have been compromised by many different agencies. I am requesting your assistance in getting comerica to have their automated system ask for my established pin regardless of what phone number is accessing their system for my bank account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are inaccurately reporting late on my credit file. 

XXXX, XXXX  and Experian is reporting that I was 30 days late with XXXX XXXX XXXX  in XX/XX/XXXX and XX/XX/XXXX when I was not. 

XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX Experian - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  is inaccurate showing that I was 30 days late with the following credit agencies : XXXX  and Experian - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover clearly stated that when the account was revoked, the {$600.00} deposit was applied to the balance, resulting on an ending balance of XXXX. I do not owe the amount they continue to reflect on my credit report and it has hindered my ability to get new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I originally had XXXX student loans that were part of the federal student loan program. Unbeknown to me, at some point, Congress privatized my loans, and they were taken over by Navient. After recently checking my credit report, I discovered one 90-day late payment for XX/XX/XXXX, but the payment for all the months prior reflected as current. I was under the impression that these loans were automatically included in the provisions to have student loan payments paused under the CARES Act. After speaking with two different Navient customer service representatives on XXXX, I was informed that these two loans were not covered under the CARES Act, and instead, they had been put into suspension under a Student Debt Burden Forbearance. I was also informed that this forbearance was back dated to cover whatever 90-day late payment listed on my credit reports, as if it was never late. Both customer service representatives refused to removed the inaccurate 90 day late payment from my credit report, even by reflection of what they reported, there was no 90 day late payment. This negative 90 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. My provisions and protections under the CARES Act have been violated. After the unwillingness of Navient to comply, I also disputed this information directly with the credit bureaus, and Navient was said to have verified and updated the information, but the XXXX late payment remains. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). This new FCRA subparagraph provides protections only if a creditor approves a consumer for an accommodation. An accommodation is an agreement for a forbearance, a payment deferral, a partial payment agreement, a loan modification, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ).

I was accommodated when the payments were put in its deferred status, and Navient did not delete the negative mark from my credit report. They only commented that the payments are deferred until XX/XX/XXXX. I demand that Navient remove the 90 late payment mark from XX/XX/XXXX, and show it as " ok '' and current.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

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 card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account # XXXX 90 days late in XXXX, 120 days in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had approximately 6 credit cards ( Capital One, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX and XXXX XXXX ) and with each of them I opted to pay extra monthly for " credit protection ''  which claimed in case of identity theft or an unexpected event took place such as loss of employment, or injury occured my balances would be taken care of. After seven years of paying into said " credit protection '' following an negative occurrence which lead me struggling to keep up with my payments till eventually not being able to even meet the minimum payments ; the " credit protection '' was nothing more than a waste of money that did the opposite of protect my credit. It lined the pockets of the financial institutions and destroyed my credit. I had contacted my creditors numerous times, but it was a waste of time that led me from one representative to another.
Product: Payday loan, title loan, or personal loan

I received a handwritten approval letter from Atlas Credit Co Inc after i contacted the company inquiring about the letter i received i was told by a rep to provide my personal information, before i was told that the letter was legit or not. I then provided the information requested and was told i would receive a call back. Once i received the call back i was told that i was denied but i was not given the reason for the denial on the phone but explained to them the handwritten letter that was received and what all it said and the approval amount for {$500.00} it was not a pre-approval letter but an actual APPROVAL LETTER but the rep still refused to provide me with the reason for the denial on the phone nor did she explain the approval letter that i received. I then tried to ask what was the purpose of the approval letter if they knew or had idea once i called about the letter that i would be denied. I feel that i am being scammed for my information, i am getting credit inquires on my report for this information after they run my credit and deny me.
Product: Credit card

In XX/XX/XXXX, I was in incarcerated and was released XX/XX/XXXX. During the time period I was in, my Chime debit and XXXX XXXX cards were used by whoever cleaned my apartment. When I was released, I contacted Chime right away and filed a dispute of the charges. Even with the proof of my incarceration, Chime denied the dispute. 

Last month, I refiled the dispute and again Chime denied it. I rebutted and finally got the dispute approved. 

After numerous attempts to get the funds back, Chime refused to refund the money due to my account closure from being overdrawn. The disputed amount was more than the overdraft and Chime deducted that amount when the dispute was settled. 

It is frustrating that this institution is openly telling me that they are to keep my money and there is nothing they can do for me. Thieves!
Product: Money transfer, virtual currency, or money service

In early XX/XX/2023, I met someone on XXXX who was providing a service to me that I paid for through several transactions. On one of our last interactions, the person requested that I pay to have something created and she did not send the product to me as promised. I never received it in the mail and she made it clear that she did this intentionally and that she wasn't going to refund me. She's made several cash app accounts over the course of doing business and I believe this was done to set up the scam and prevent herself from being held accountable. I reported her accounts and requested help from cash app after this happened and they basically told me they weren't going to do anything. Not even about her conduct creating several accounts in an attempt to defraud me, and probably other people.
Product: Checking or savings account

I have been trying to gain access to my savings account with Ally Bank since XX/XX/XXXX My savings account has XXXX saved. I was told that I will need to provide identifying documents to prove the account belongs to me. I sent my identifying documents in a week later after I was able to track the documents down. XXXX  from loss prevention of Ally bank told me that they will take 2 days to review and verify the identifying documents. I called 2 days later, XXXX told me she will call me before the end of the business day with a response. I did not get a response. Wednesday XX/XX/XXXX I called again. XXXX told me that I would have a response before the end of the business week, she would be the one to call me. I still did not get a response from XXXX  by the end of the week as she said. It is now 2 days into the next business week, TuesdayXX/XX/XXXX and I still don't have a access to my savings account. I tried calling XXXX   of Loss Prevention of Ally Bank and all I get is voicemail, Monday XX/XX/XXXXand Tuesday the XX/XX/XXXX. I have even tried to get my issue escalated to a supervisor but nobody was able to help me. I dont even think they escalated me, only tranfered me laterally to XXXX ( or a similar name ). My savings account has XXXX  in funds, I don't have access to my own money. Ally bank is holding my money XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX XXXX, I spoke with Amsher Collections via telephone number XXXX regarding a hit on my credit report not belonging to me. During the conversation with the creditor they told me the account belongs to someone other than me and that they could not discuss the details with me. I asked to speak with a manager and got XXXX XXXX XXXX who identified himself as a manger. I told XXXX I was in the process of buying a house and that this falsely reported tradeline needs to be removed from my credit immediately. He told me the account does not belong to me and the only way I could remove the account is to contact the credit reporting agencies. I further explained to him that their company is knowingly falsely report on my credit which is against the Fair Credit Reporting Act and he told me there was nothing he could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffer from identity theft three times in the past 2 years XX/XX/XXXX credit bureau Equifax breach XXXX of XXXX through my employer XXXX XXXX hacking on my computer through banking XXXX identity theft throughout the years of XXXX and XXXX States Arizona California all currently under investigation with police reports Attention ( This system will not allow me to upload my burden of proof )
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. Reached out to Credit reporting agency and companies, and having able to get any assistance in getting the account removed.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX received email from paypal saying account was closed as to date and my funds in paypal remain on hold for 1/2 year. Spoke with support online chat window, support on the phone, support by email or refuse to disclose why, all refuse to even hold a simple dialog with me at all about matter. I have XXXX on my paypal account requesting imediate access to those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX NOW Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The XXXX bureaus are obligated to confirm these accountsunder Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Under 15 US code 1681b-Permissible purposes of consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates.

I, XXXX : XXXX  never gave XXXX  any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached & copy of dispute letter domestic return receipt. 

I would like to paid for the default judgement this has affect my life for the worst. I like to receive a check of {$5000.00} for fraud, Defamation and pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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
Product: Payday loan

I took a loan from speedy cash store XXXX XXXX XXXX 2014 for XXXX payments from my bank acct of XXXX each month total of XXXX I still owe XXXX they say all interest.i was informed today that if I only of principle to lower ant owed I still would pay interest on daily owed plus the XXXX each month this is double interest
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  : # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I opened a new checking account with XXXX and funded it for {$500.00} and applied a promo code " XXXX '' for a {$200.00} promo. 

The requirements were listed as such below : Customers must qualify for the account, make the required minimum opening deposit, and have met the following criteria by the end of an initial XXXX-day qualification period, beginning the day the account is opened, in order to receive the {$200.00} welcome offer : XXXX ) Receive cumulative direct deposits of at least {$2000.00} which includes salary, pension, Social Security , or other regular recurring monthly income. Internal and external account transfers, deposits made at banking locations, by mobile deposits and ATM deposits do not qualify as a direct deposit ; AND XXXX ) complete XXXX or more debit card purchases. Recurring debit card transactions do not qualify. 
Transactions must post to the account within the XXXXday qualification period. ATM withdrawals do not qualify. Monthly service charges and other miscellaneous fees may apply. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them On XX/XX/XXXX I put in {$1000.00} from my payroll as a direct deposit On XX/XX/XXXX I put in {$1000.00} from my payroll as a direct deposit. 
From XX/XX/XXXX to XXXX I completed XXXX purchases using my new united Community Bank debit card. 

As of XX/XX/XXXX I have yet to receive the {$200.00} promo bonus and have called several times since it should have posted to get a status update. They said I have met the requirements and someone from the promotional department would contact me but never did after numerous attempt in calling to inquire about the promotional bonus.
Product: Checking or savings account

On XX/XX/22 I sent credit karma an email from their website asking why my savings account had been frozen & why I was not notified. Credit Karma did respond asking they needed a picture of my I.D . ( Front/Back ) & my bank statements that were from the bank I had linked to the savings account of my credit karma savings account to see why my account was frozen. On XX/XX/22 I sent every document they needed and they responded with not knowing why my account was frozen and someone from a higher team will contact me directly. Its is XX/XX/22 and I have not been contacted by anyone from credit karma, my money is being held, and my bills are not stopping.
Product: Checking or savings account

Hello, I am writing this complaint to let proper staff be aware that I have been charged overdraft fees for every transaction that have been made. I am currently enrolled in the Oops program but fees are still being charged. Also, when funds are available on the account, I use them but days later the account shows it wasnt. If this can be resolve, email, or dial by phone XXXX
Product: Debt collection

XX/XX/XXXX We switched our smart phone service from XXXX to XXXX XXXX We had two XXXX XXXX phones and one reader board. For some reason, the reader board, which was subsequently not used, was not able to be switched at that time. We did not realize XXXX would keep charging us for it. 

XXXX sent a bill in late XXXX for {$84.00}. I sent check # XXXX dated XX/XX/XXXX for that amount and that check cleared my bank on XX/XX/XXXX. I sent notification with the check that we were no longer using XXXX for our service. 

XX/XX/XXXX XXXX continued to bill us, and I phoned them. My notes show I talked to XXXX, who assured me there would be no more charges, and that our account was closed with the CLOSING CODE XXXX. 

However, XXXX kept sending emails that we owed them. Please see the copies of billing documents emails and subsequent debt collection notices and our replies thereto.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Debt collection

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USD 1681-s. 

The collections account in question, associated with DISCOVER BNK, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Account Numbers : XXXX XXXX XXXX Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, DISCOVER BNK, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, DISCOVER BNK has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 US 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law.

I am disputing any ownership of debts to DISCOVER BNK. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt.

The purchase agreement between myself and the original creditor.

I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws.