23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
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 XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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, credit repair services, or other personal consumer reports

I HAVE PUT IN DISPUTES WITH COMPANY AND VERBAL AND BY FAX AND THE DEBT NEED TO BE REMOVED FROM CREDIT REPORT AS COLLECTION IS A CLASSIFIED AS FRAUDLENTLY DOESN'T BELONG TO ME. 

XXXX XXXX XXXX XXXX-THE COLLECTION COMAPNY ORIGINAL CREDITOR-XXXX XXXX XXXX {$2500.00} REPORTED ON XXXX XXXX SUPPORTING DOCUMENTS WERE SENT FROM ORIGINAL CREDITOR ON XX/XX/20 THAT THE DEBT WAS NOT MINES AND I WANT EQUIFAX BURUEAU TO DELETE ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute for an account unknown to me. I submitted disputes with all XXXX credit bureau 's. Experian is the only bureau refusing to correct this error. I called to speak to live representative " XXXX '' in " XXXX, TX '' who stated " experian is a middle man and does not have to provide me with any proof '' from the account in question. I tried to upload proof and their system would not accept my PDF file. The representative refused to allow me to speak with her supervisor or anyone else. She asked for my phone number so that someone could call me back. No one ever called me back to correct this error. I feel that I have exhausted my options regarding this incorrect information that is negatively affecting my ability to close on a home.
Product: Debt collection

I had used my credit card for many years. paid monthly. faithfully the minimum due. Health issues and lack of employment was not allowing me to make the minimum monthly payments anymore. i tried to call them and get them to understand i could no longer pay the bill. they stopped contacting me and suddenly i am now facing a Court Hearing regarding the debt. i still have no real income and have no idea how i can pay any of the debt. i paid for many years the minimum payment and honestly ... the minimum due paid mostly interest on the debt .... with about {$20.00} going toward the actual debt of the credit card. I am not certain if you can help me. but i am going to be asking for a 30 day extension on the court hearing, so i can better prepare for the case.

PLEASE NOTE : The attorneys for the company keep reassigning the case to a different attorney in the firm. and when i do try to contact them, the only reply I receive from the attorneys office is from an outside ( non involved ) paralegal. Nothing ever gets resolved.
Product: Checking or savings account

From XXXX XXXX - XXXX XX/XX/year>, our minor child made {$350.00} worth of charges on his XXXX XXXX on two games. 
We immediately disputed these charges thru our bank ( Chase ) as he is not authorized to spend this type of money anywhere. 
Last week, XXXX told Chase these charges were valid and rejected the disputes. 
I called XXXX today and gave them all the email addresses associated with my sons XXXX account and they somehow couldnt find any of the email addresses associated with his account. 

My husband and I have spent hours attempting to collect the monies XXXX has taken from our son.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB officer, I have contacted both your department & the company ( XXXX  ) this month and I was being confirmed by the company, there had been NO credit reporting late for 30 days. Due to that, my credit went down to 128 points while I am in the process of refinancing another home. 
Today, I have reported that XX/XX/2023 payment has been recorded late which is clearly NOT the correct case. I have sent screenshot of my credit monitoring page to show that later reported on my credit. 

I therefore am asking you to remove this credit reporting from my credit. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. same accounts but are being reported different days late for payment. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account to be removed from consumer report due to inaccuracty.
Product: Credit reporting, credit repair services, or other personal consumer reports

To have on several occasions to have negative items removed from my report. But to no avail. I have also disputed several things on my report but they are still there. Also there a number of hospital bills on my report that the hospitals are trying to get paid twice for and XXXX have already paid the bill. I have tried to clear these things up but the creditors keep selling my so called depts and that is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurately showing as Pending Litigation. A purported income withholding Order has been provided by the Title IV-D Child Support Agency but this order has not been signed by a judge showing violation of 28 U.S.C 1691. The agency can not 1 ) validate the debt ; 2 ) provide a contract ; 3 ) Provide the required Enforcement of Income Withholding document under 45 CFR 303.100, with the exclusive Judges signature in the Title IV-D Child Support Agency . Any other signature ( s ) in the Title IV-D Child Support Agency document would be impersonating a judge in violation of a federal crime under Title 18 U.S.C. 913 ; produce order by a judge ; 4 ) provide full accounting itemizing charges ; 5 ) can not show arrears information ; 6 ) show prove of jurisdiction ; Garnishment is a federal statute requirement under Consumer Credit Protection Act ( 15 U.S.C Section 1673 ( b ) ; 7 ) Under Section 466 ( b ) ( 1 ) The IV-D Income withholding provision requires the withholding of income in an amount sufficient to comply with the support order up to the maximum amount permitted under section 303 ( b ) of the Consumer Credit Protection Act ( 15 U.S.C Section 1673 ( b ) that is 1 ) The employer is responsible for implementation the CCPA limitations ; 2 ) The Federal CCPA exemptions only apply to disposable income.

In United States v. Sage, 92 F. 3d 101 ( 2nd Circuit 1996 ), the judges ruled that child support agreement are equivalent to an interstate commercial contract and rejects the idea that child support payments obligation is somehow different than student loan or car notes. Therefore, these inaccuracies are affecting negatively my credit report and may affect my ability to keep my job.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my profile that need to be removed immediately.
Product: Payday loan, title loan, or personal loan

I went into the store on Friday, XX/XX/XXXX and informed the manager that I would not be able to make the proper payments for my loans and needed to set up a payment. She said that the store does not allow payment plans unless in default of your loan. I asked how long that takes and she said I would have to wait no less than 30 days after the day of my first missed payment in order be considered in default status of my loan. She said she turned off automatic payments for my loans and to call customer service to follow up with setting up payments. On Saturday, XX/XX/XXXX I spoke with Customer Service and confirmed that automatic payments were no longer being authorized, which was on a recorded line. I told them that I come into the store to make a partial payment of {$25.00}. They told me that collection calls will continue. They attempt money from one of my bank accounts without my consent, which is clearly an FDCPA violation and breaking anti-trust laws. If they continue to break the law and violate such regulations I will be forced to take this to proper authorities and file sanctions against this company. It is always breaking the law when charging a persons account without their consent. If they want this debt to eventually be settled, then will stop attempting to charge my account without my consent. I still have yet to speak with any district level management or regional management to settle this dispute in very diplomatic way, but to no avail. I do not wish or have any intentions to taint or tarnish this companies name in any way, shape, or form. However, I am only trying to set up a form of payment schedule to pay my debt off as fast as possible.
Product: Credit reporting

On XXXX XXXX, 2016 I placed a security freeze with Equifax, XXXX and XXXX. After the security freeze Equifax sent me a confirmation letter with the required PIN number. When I was trying to apply for a credit card and called them to lift it, they told me that there was no security freeze on my account, and that the name on the account was not my legal name. Given that my information was already compromised by a stolen wallet and on-going criminal investigation for financial identity theft I contacted them to change the legal name and place an additional security freeze. They requested a copy of my driver 's license and social security card which I faxed over. After about 2 weeks I received a confirmation that stated the name change was complete, but the changed name was incorrect and thus did not reflect the name provided on the documents. Moreover, on the same date I placed an initial fraud alert, and got a letter confirming it, they also later denied the placement of the fraud alert even though it is visible in the other credit bureaus and I received a confirmation letter. They still have n't gotten back to me about the additional security freeze and fraud alert and whether my information was accessible during the time in which I thought I had a security freeze. By providing the police reports I was able to place an extended 7 year fraud alert with XXXX and XXXX, but there still is no confirmation letter from Equifax. They are unhelpful about providing me information unless I buy their products, and when I try to I ca n't buy it. So far none of these issues have been resolved.
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX, is the consumer in fact and I am asserting all rights pursuant to 16 CFR XXXX. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( XXXX ). 

I entered into a consumer transaction with Mariner Finance , LLC on XX/XX/2021. I provided all of the necessary documentation and I was approved for the amount of {$2500.00}. I signed a promissory note to received funds for the extension of credit, but I never received a benefit or any other exchange for the signature that I provided on the promissory note. I reached out to Mariner Finance on XX/XX/2021 to take care of the matter, but they refused to fund me despite of my signature to the note. The organization said that I didn't provide proof of income within the last 30 days and this accusation is false. I have the copy of my pay stub as an attachment. 
According to the Equal Credit Opportunity Act, Mariner Finance , LLC is in act of discrimination pursuant to 12 CFR 1002.9 ( b ) ( 1 ). I, consumer, exercised my right in good faith pursuant to the Consumer Credit Protection Act. 

On the bottom of page XXXX of the promissory note, it states that this instrument is pledged as collateral to XXXX XXXX Bank, XXXX. I, the consumer, demand documentary evidence pursuant to 15 U.S. Code 44 from Mariner Finance , LLC to prove that the organization did not sell this note and receive any benefit from signature. Failure to do so is considered an act of embezzlement by Mariner Finance , LLC. pursuant to 18 U.S. Code XXXX and I assign the Consumer Financial Protect Bureau to exercise its authorities to protect me, the consumer, from any abusive acts to which Mariner Finance , LLC may have induced.
Product: Debt collection

My name is XXXX XXXX and I am a living woman making this complaint without any influence from any third party or its agency. I was contacted by US mail from Nationwide Credit , Inc ( NCI ) on XXXX XXXX demanding payment for an alleged debt that is not owed and in active dispute/arbitration. I did not consent to a signed binding contract with NCI nor agreed to pay them. NCI having my personal identifying information was obtain by way of aggravated identity theft. NCI is violating my federally protected rights under FDCPA, FTC and the United States Code/Statue. I have reason to believed that NCI is engaging in unlawful extortionate means theft by deception by knowingly/willfully furnishing to me false and deceptive documents. I also have reason to believe that NCI is also in violations of the false claims act and is engaging in racketeering activity by attempting to collect on extension of credit by extortionate means. NCI contacting me in my private capacity without first validating if their claim is indeed true and accurate to demand payment from me has caused me severe mental and emotional distress. Please review my attached correspondence and documents addressed to NCI.
Product: Debt collection

On XX/XX/year> debt collector named Jefferson capital system have opened a collection account on my credit report in the amount {$810.00}. HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
XXXX. V GRAVENS ( MO ) XXXX XXXX, XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit reporting or other personal consumer reports

A charge-off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed in my letter are not 100 % correct and I demand them to be investigated completely.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Debt collection

The debt collection agency leaves the same recorded message every day, at different times : " Calling regarding your XXXX  account. To speak with a live representative. Please press XXXX or call XXXX. Again to speak to a live representative, please press XXXX or call XXXX. Thank you. '' I called that number XXXX, and each time they disconnected me after a short wait to talk to a representative. 
I had canceled my XXXX acct in XX/XX/2023. 
I called XXXX and they confirmed that I was paid in full, no outstanding balance. And yes, they were aware of their name ( XXXX  ) being used by fraudulent debt XXXX.
Product: Money transfer, virtual currency, or money service

Tried to send payment through Zelle app. Twice it gave me error codes without sending money to my recipient but shows under actions in the Zelle app that the payment went through. It shows as a pending transaction in my bank. Ive called Zelle twice with no answer why but just told someone will send me an email in 3 business days.Ive called my bank and its a problem on zelle end they said. Zelle can not tell me why this happened and told me to wait on a bounce back to the bank before trying to send the money again. Meanwhile my husband and son still cant get the money. This happened today XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> XXXX