23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Approximately three months ago ( i.e. XX/XX/2019 ) I began receiving SMS text messages suggesting that I had a delinquent loan. The messages were vague, but after receiving several of them, I called the number from which they originated. The person at the other end identified herself as an employee of Golden Valley Lending, and asserted I had taken a {$700.00} loan from the company she represented. I had, until that day, never heard of Golden Valley Lending, and definitely had not taken a {$700.00} loan from anyone. I said as much and, after a short exchange, determined the call was a phishing scam, and hung up. 

Since that time, I have received not less than 8 calls from Golden Valley Lending per week, originating from numerous different phone numbers. The most recent two are : * (  XXXX ) XXXX * ( XXXX ) XXXX I've blacklisted each new number as I've received the calls, which all adhere to the following format ( paraphrased ) : Golden Valley Lending : "  Is [ My Name ] available '' Me : " This is [ My Name ] '' GVL : " This is [ fill in name ] with Golden Valley Lending. We're calling to discuss the status of your account '' Me : " I do not have an account with you ; I've never opened an account with you. '' GVL : " That's not what our records show. '' Me : " I can't account for your records, but we don't have anything to discuss. '' GVL : " Good luck with that. These calls will continue. '' <call is disconnected> I have repeatedly asked to be removed from their call list, and been denied. I have repeatedly asked for a written record of my debt, and have never seen one.  I have received one printed letter via USPS, again vaguely suggesting I need to address some kind of debt-related issue but without any account number, amount, clear indication that the letter is an attempt to collect a debt, advisory of my rights, etc. It seemed to be merely a form letter that looked like it was designed to get me to call their office. 

I have checked my credit reports with three agencies to confirm no debt has been reported in the amount Golden Valley Lending has asserted. I have received no official attempt to collect a debt, and my credit score remains unblemished even though I've been ignoring these calls, more or less, for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint regarding specific records in my document as a result of their malfeasance. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I made or approved. Assuming no one cares, block the mention of any information in my credit report that arose as a result of alleged fraud. Section 605b of the FCRA requires CREDIT BUREAUS to delete any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GAXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$8200.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

American Express continues to publish a derogatory statement of my old account through the credit reporting agencies, and I believe I have exceeded the statutory limit of 7 years ( since my first delinquency ) in which they can continue to make a derogatory report of my old account. I first brought this to American Express ' attention in XX/XX/XXXX ( via a phone call, and then follow-up letter ), and we have exchanged multiple letters since then. In my last letter ( mailed in late XX/XX/XXXX ) I included proof that my first delinquency occurred in XX/XX/XXXX, which is now 4 months beyond seven years. Despite the evidence that I shared with American Express, they responded in a form letter today that said my account was being reported correctly, despite the fact I provided evidence that it was not. At this stage I don't know what to do, and I need the CFPB 's help to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : CB XXXX : $ XXXX Opened : XX/XX/XXXX
Product: Debt collection

Hello, this fictitious debt has been removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX over the last 5 years the debt collection company now the 4th company to put the same fake debt on my credit so Frustrating I have zero collections perfect impeccable payment history. This company over the last few years keeps selling this fake debt to anyone that will try and collect on it its so unfair unethical and wrong! Please lets stop letting these crooks by trying to intimidate me to pay something I DO NOT OWE! This has gone one long enough how can these crooks get away with constantly reporting the same fake debt over and over and its been removed multiple times. I am so infuriated this has happen yet again. Columbia debt recovery has been harassing and threatening me for weeks they are an unethical law breaking company. I have want yo report them to the highest level please.
Product: Checking or savings account

On XX/XX/2022 and XX/XX/2022, I sent {$350.00} payments to XXXX XXXX on venmo to receive services in the form of tattoos on XX/XX/2022. XXXX did not provide me with the tattoos and has not provided me a refund. I reached out to venmo to try to take action on XXXX XXXX account on multiple occasions and to possibly be granted a refund. My first interaction regarding this claim with venmo was XX/XX/XXXX. Thereafter, I tried on XX/XX/XXXX, XXXX, and XX/XX/XXXX. I was told by venmo that I would have to get the money back from XXXX XXXX, or file a police report. However, XXXX has not responded to my messages, and lives in a different state than where I was supposed to get tattood from XXXX XX/XX/2022 I reached out to the shop owner he rents space from XXXX XXXX XXXX XXXX, XXXX XXXX NC ) and explained to him the situation. The owner of the shop reached out to me on XX/XX/2022 and told he has been let go for scamming him, as well as other clients such as myself. From my understanding, XXXX does not intend to pay back anyone he has stolen money from under the guise of tattooing. Therefore this compliant appears to be my last chance at stopping his account so this scam does not happen to anyone else, as well as potentially getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to reach out to Credit plus concerning my consumer report and how they're violating my rights. This company proceed to report to my consumer report without my consent i asked this company to provide an SSA-3288 to show that i gave them consent to report anything on my consumer report this company decides that they don't have to provide anything, and they can continue reporting to my consumer report. This company have to remember that there are laws that they must follow and that they have to respect my right to privacy. That Federal Law trumps policy and that they're violating me according to 15 US code 1681a ( 2 ) ( Exclusion ) it clearly states in that law what can and can't be on a consumer report Transaction & Experiences was some to throw out there that they clearly don't follow when it comes to the consumer and they're consumer report. And as a consumer this feels like public humiliation because of what Credit Plus put on my consumer report. I told Credit plus to provide me with an SSA-3288 form to show that i gave them consent to do illegal activity on my consumer report even if they're process is online, in an office, or on a boat they still by law have to provide proof that i gave them permission to do illegal activity on my consumer report. Without permission Credit plus have to understand that i have a right to privacy. And they're violating my 5th amendment rights and they must uphold the constitution According to 15 US code 1681 ( n ) I'm supposed to be protected against agencies that didn't get permissible purpose to obtain my consumer report and i should be reward XXXX dollars per violation and account removed because of these illegal activities. I could but i want to pursue criminal charges according to 15 us code 6823 because i told Credit Plus that they were violating me, and they didn't even take what i was saying serious. Credit Plus has caused hardship to not only me but my kids also by not removing this account instead they are now deciding to continuously violate more consumers rights. According to 15 US code 1681 ( b ) This law alone shows that they just going to keep violating consumers rights i would like for this issue to rectified with an explanation to why do they think they can violate consumer protected laws
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

XXXX XXXX XXXX Account Number : XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit card or prepaid card

Shortly after being approved for and receiving an XXXX Credit Card by XXXX XXXX, it was blocked and placed in a restricted state. They did not at any time notify me that there was any problem, I found out when scheduled charges were getting denied. 

After many support calls and literally hours on the phone with people absolutely refusing to tell me what was wrong, I found out that they had marked me as pending deceased. I was not offered any way of proving that I am alive other than waiting for them to investigate further. 

Eventually I was connected to their fraud department and they requested copies of my personal bank statements to prove that I am not dead, which I find highly irregular and personal. To this date, my card is useless and I have no idea when they will finish investigating my supposed death, who is investigating me, or even why. 

Chat support says I have to talk to phone support. Phone support says I have to chat support. Nobody will take responsibility or give me any information.
Product: Money transfer, virtual currency, or money service

i sold an XXXX to a buyer who tried to dispute the charges so they limited my account because i was a new user. and i ended up having to fully verify my account with my id and take a selfie i was also told to verify my bank account which i did and i still had to wait 21 days to get my money which i did and my account was fully restored i have all the proof. the buyer filed a dispute which i won in my favor after almost 2 months of waiting on my money. when i finally wont the dispute and tried withdrawing my money paypal would not let me i kept getting error messages which was odd because paypal told me i shouldnt have any problems getting my money since my account was fully verified and my bank account had been verified as well. and out of no where the first limited my account saying that " they need more information to make sure its me '' and " that they do this to protect their users. which is completely XXXX XXXX they literally unrestricted my account a month prior because i had successfully uploaded my id and took a selfie with my id as well as uploading a utility bill. also ive been messaging them for almost two months because of the dispute i was going through now all of a sudden when my money is released they dont know who i am and need to verify? thats insane! after i see this i go to the messege center and the agent tells me to send my id and i did. keep in mind its literally THE SAME EXACT ID I USED TO VERIFY MY ACCOUNT THE FIRST TIME. paypal messages be back saying my ID is fake and that they will no longer do business with me and that they are holding the money for 180 days. when i asked how is my ID fake when its the same one i used to verify my account the first time they did not even reply they simply took the " message paypal '' option off of my account and basically said a XXXX XXXX XXXX to my face!! this is going on the 3rd month that ive been trying to get my money can you guys PLEASE help me im begging you this cant be legal what they are doing!!
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Mortgage

Bank of America is reporting my balance incorrectly on my XXXX Credit Report. This error lowers my credit score and causes a denial of a student loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX Re : Notice of Dispute & Civil Liability under 15 U.S.C. 1681o - Negligent Noncompliance To Whom It May Concern, I am writing to formally dispute the inaccurate information appearing on my consumer credit report issued by your organization. The specific account ( XXXX ) in question is/are : XXXX XXXX I have previously notified you of these inaccuracies and provided sufficient documentation evidencing the errors, yet you have failed to perform a reasonable investigation as required by law, resulting in the continued reporting of inaccurate, misleading, or incomplete information. 



Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), you are liable for civil damages for negligent noncompliance with the FCRAs requirements. Your failure to correct and remove this inaccurate information after proper notice constitutes negligent noncompliance. Due to this negligence, I have suffered measurable damages, including but not limited to [ list any damages like credit denials, higher interest rates, emotional distress, etc. ]. 



I hereby demand that you : 1. Immediately conduct a proper and reasonable reinvestigation of the disputed account ( s ).

2. Delete or correct the inaccurate information as required by the FCRA.

3. Provide me with an updated copy of my credit report reflecting these changes.

4. Cease any further reporting of inaccurate or unverifiable information regarding this/these account ( s ).

Please be advised that failure to comply with these obligations may subject you to legal action, including seeking statutory and actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1681o. 



I expect your response within 30 days, as mandated by the FCRA. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called the company & I keep being hung up on on multiple occasions
Product: Debt collection

On XX/XX/2021, Rausch Sturm LLP sent a letter to me stating that I owe an alleged debt. After reviewing the letter from them, I noticed Rausch Sturm LLP has violated many of my consumer rights. Pursuant to 15 U.S.C. 1692e ( 3 ) Congress states " a debt collector may not use the false representation or implication that any individual is an attorney or that any communication is from an attorney. '' Also, pursuant to 15 U.S.C. 1692c ( a ) Congress says " without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector MAY NOT communicate with a consumer in connection with the collection of any debt. '' I never gave consent to Rausch Sturm LLP to communicate with me over an alleged debt. Since I did not give consent, that means Rausch Sturm LLP has obtained my private information illegally. This is a total breach of my privacy and is equal to Identity Theft. Below, I have attached a response demanding them to Cease and Desist from all communication with me pursuant to 15 U.S.C. 1692c ( c )
Product: Debt collection

I became aware when I checked my credit report that this debt collector under the name of SEQUOIA FINANCIAL SERVICES , INC has reported incorrect information that I owe the amount {$400.00}, I have sent a notice of state and federal validation of debt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Below are the fraudulent accounts for delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract