23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to all 3 credit bureaus regarding the Following Accounts, Account # 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$850.00} and they are not following any CFPB rules or any federal laws regarding my demands. I also stated in a previous dispute that In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX Accounts above 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 an 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 the information is inaccurate
Product: Debt collection

This is my second complaint on National Credit Systems. I filed my first complaint on XX/XX/XXXX. Their, response on XX/XX/XXXX was Account XXXX. I was confused as to what Account XXXX would meant. So, I called CFPB and was instructed to refile my complaint because, the agent had never seen this type of a response an could not give me any information as to what it meant. As, stated before NCS or XXXX has never contacted me about this account. I only saw it XXXX when it was placed on my credit files. On, my files it states placed for collection XX/XX/XXXX. No one has ever given me a chance to verify this account at all. My credit is important to me so inaccurate information is damaging and cause negative effects. I am requesting a investigation into this matter again. As, I would like to know what attempts and how they contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX of XXXX FL has not removed inquiry after I mailed a set verification on or around XX/XX/2020. This has deniede better financial & transportation resources for work. The injury is dated for XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$570.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$590.00}
Product: Credit card or prepaid card

I established two interest free XXXX XXXX XXXX Comenity Bank plans to pay for dental fees over time. I made regular payments. 

However, I did not receive paper statements and was not signed up for paperless statements. 

When I called to make a payment XX/XX/XXXX, I was advised that the interest free promotions had expired, and I was being charged interest. I had not received paper statements to advise of upcoming expiration dates. If I had, the balances would have been paid prior to the promotion expiration date. The principal balance due on both were paid in full on XX/XX/XXXX. 

On XX/XX/XXXX, the first interest free promotion ( original amount financed was {$740.00} ) expired and currently reflects interest due of {$11.00}. 

On XX/XX/XXXX, the second interest free promotion ( original amount financed was {$1100.00} ) and currently reflects interest due of {$440.00}. 

On XX/XX/XXXX when the principal balances were paid in full, we requested paper copy of statements, the first was provided on XX/XX/XXXX. I asked for relief from the very high interest charges through the Customer Service Department. They denied this request, I also contacted the Debt Settlement Department of XXXX XXXX XXXX Comenity Bank to request relief from the high interest charges. They did not return my call. 

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX Bank Customer Service Department to follow up on my request for relief from the high interest charges. I was told they could not adjust the interest charges. I filed a consumer complaint with the XXXX Department XXXX XXXX XXXX XXXX XXXX Bank. They advised the interest and late fees will continued to be charged to my account based on the outstanding interest balance. 

I offered to pay {$100.00} interest as a fair settlement to these charges, this offer was rejected by the XXXX XXXX XXXX XXXX Bank Customer Service Department supervisor. 

I ask for your help for relief from these extremely high interest fees charged, based on the lack of correspondence on the status of my account and the promotion expiration dates.
Product: Vehicle loan or lease

I have an auto loan with Ally Financial that is paid by my son. I live in XXXX, he lives in upstate XXXX. Over the past few months there have been payments made that were returned for insufficient funds when in fact there was more than enough money in the account to cover the payment. Most recently I set up an auto-pay account so that Ally will take the payment out on the due date. The payment ( {$550.00} XXXX was made on XX/XX/XXXX and acknowledged by Ally. 9 days later it was returned for insufficient funds. There was over {$600.00} in the account at the time of the payment. In addition as of this writing the money has not been returned to my sons account. Ally blames XXXX XXXX, XXXX XXXX  blames Ally. In addition I have receipts for electronic transfers made in XXXX, XXXX, XXXX, XXXX and XXXX of this year. XXXX XXXX  says the money was transferred, Ally says they never received it and those transfers do not appear on the Ally transactions sheet. Again they each blame the other and none of those funds were returned to my sons account. Those lost funds have resulted in over {$3600.00} in additional payments for payments that were already made. They have also destroyed my credit rating in the process. Numerous attempts to resolve these issues with both banks were unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I attempted to open up a checking account at XXXX XXXX XXXX in XXXX, CA. At that time my application was denied. I researched that they use the consumer reporting agent XXXX XXXX at XXXX. I was given instructions on how to receive a copy of my consumer credit report and I followed up by sending Bank of America an official letter with information of how they put a remark on my report - Account Fraud- that was keeping me from opening up a checking account. I then received a rejection letter from Bank of America, saying that there is no chance of changing my record. I then went to XXXX XXXX and have been told to write a rebuttal to attach to my consumer credit report but the end result after months of corresponding with machines, I can't get any human to look into this and see that I was the victim of being given a counterfeit check. I deposited it into my account and never withdrew funds from it. I waited for the check to clear and was later sent an NSF notice for the funds. To make matters worse, since this incident, a checking account I had with XXXX for over 20 years was closed and then most recently closed a credit card that I had opened 4 months ago. Please help me as I need not only to open a checking and savings account, I need to get a safety deposit box as well. 

Thank you. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Exhibit A - The {$150.00} purchase for XXXX 's merchandise was already completed on XX/XX/XXXX, yesterday XX/XX/XXXX Serve decided to deduct the same amount of money and place it on hold, utilizing my money twice for the same purchase. 

Exhibit B - Is the same issue as Exhibit A, tried to speak to SERVE twice, the first time they cut me off stating technical difficulties ( not the first time this has occurred ), called a second time was waiting for 28 minutes, was told by the rep this is due to a technical issue they are having and the money would be credited back possibly in 3 days, if not to call them at that time. This is also not the first time charges like this have been posted to my account and the excuse of a technically difficulty is always the excuse I'm being given, this is unacceptable. This is my money and I have bills to pay. 

Exhibit C - I tried to pull out money twice from an XXXX ATM in XXXX, NJ on Saturday, wanting to find out if there was an issue with my card I transferred money to my wife 's Serve card, she went to the same ATM and a receipt showing a " XXXX '' dollar withdrawal, but upon checking her SERVE account realized that SERVE is taking out the {$200.00}, she called immediately and they are stating it will possibly take 10 days or more to rectify. We live in the age of modern technology, nothing should take this long. 

Exhibit D - I sent a request to SERVE to send my landlord {$360.00} on XX/XX/XXXX to pay my water bill and reported the info to the landlord. The landlord did not receive the check until XX/XX/XXXX and the check was dated XX/XX/XXXX. 

I'm not sure what is going on here, but this is not the first time I've seen the comment on my card XXXX American Express, but these tactics and techniques are unacceptable, if Serve is not sure that something was deducted from my account and they are looking to ensure that it has been there has to be better methods of doing this without leaving with to close to {$500.00} of my money being in limbo. This is also an unacceptable banking process. There is absolutely no reason any process should take 72 hours to complete, unless American Express is using customers money for something else? I'm request a swift and immediate investigation into this process, I have bills to pay and don't have the luxury of just sitting around and waiting for my money. When I expressed my concern to the representative that I spoke with, all he could tell me is this is what they are being told to say to their clients. I'm not sure if this is American Express telling them to say that or the company they hired in the XXXX to assist customers but having worked for the Banking Industry and have seen first hand the amount of fraud that occurs when customer accounts are sent overseas, this needs to be brought to someone's attention immediately. Plus American Express having update issues or technical problems should not be the customers issues or responsibility and should be rectified immediately upon calling.
Product: Debt collection

On XX/XX/XXXX, I received mail from Conn 's XXXX XXXX saying that I had taken out roughly a XXXX line of credit. I called to inform them of the identity fraud and was redirected to the company fraud line. On XX/XX/XXXX I submitted an affidavit ( un-notarized due to COVID-19 lockdown restrictions ) with the listed fraudulent charges, the associated account number, and a case number with badge number for a police report I filed in association with the theft. In the police report I testified under penalty of perjury that I had been the victim of identity theft for several lines of credit totaling roughly XXXX. I very shortly afterward received confirmation that my email had been received and that the account was under review. Today I received a phone call from a collection agency attempting to collect the fraudulent debt. When I told them that I had reported the account as fraudulent they informed me that they would continue to call indefinitely as long as their operations told them to. Conn 's has shown negligence in adjudicating this fraud dispute and an apathy to resolving this issue in a timely manner.
Product: Debt collection

My dad called me on XX/XX/XXXX saying that he received a text saying I owe {$1400.00} to a debt collection agency. I contacted the number he gave me and they told me it was a physician charge from a hospital visit in XX/XX/XXXX. There is no record of this physician group ( XXXX XXXX XXXXXXXX ) filing with my insurance, providing me a bill, providing a notice that I was in danger of going to collections, etc. I've contacted them multiple times since XX/XX/XXXX to receive a copy of these things and have always been refused. I have filed complaints against the physician group with the appropriate channels. 

According to the Fair Debt Collection Practices Act 1006.34 Notice for Validation of Debts, a debt collector must provide a consumer with validation information within 5 days of the initial communication, so I should have received this in XXXX because that was the first time I ever heard of this debt collection. I never received it. 

On XX/XX/XXXX I received a text from National Recovery Agency stating that I was being reported to the credit reporting agencies XXXX, XXXX, and XXXX. I called them and said I needed a written debt validation letter. I spoke with XXXX at XXXX. She said that it would take 7-10 business days and that it would not be a problem to provide this. As of XX/XX/XXXX, I still have not received this letter. 

On XX/XX/XXXX I called National Recovery Agency again and asked when I was sent to collections. They said I came into their office on XX/XX/XXXX and have been in dispute since XX/XX/XXXX, but there were no further updates on my dispute over 3 months later. I told her that based on XXXX - Consumer Protection for Medical Debt Collections Act, they could not collect a medical debt less than XXXX XXXX XXXX. She said that she needed to ask her manager. She came back and said that her manager said they can collect it. I said that according to this act, they can't. XXXX said it might depend by state. I said This is a federal act so it applies nationwide. She said I dont know thats just what my manager told me I was able to contact the National Recovery Agency on XX/XX/XXXX and tell them that Im filing this complaint for being in violation of these acts and not providing a written debt validation letter. They did not respond to me saying that other than asking if I want to be put on the Do not call list, which I said yes to. 

I have attached copies of the text message that they sent me ( they sent it two times in XX/XX/XXXX ). This is the only written contact that has happened. I do have MUCH more detailed information about my conversations with XXXX  XXXX XXXX if that is needed.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Sent XXXX checks to XXXX XXXX XXXX from CapitalOne 360 account. XXXX claims they never received the checks, yet they were cashed. CapitalOne continues to fail miserably in finding where the money was ultimately sent and either crediting our account or sending the exact same amount to XXXX. It 's been nearly a year and no resolution is in site. Their latest attempt at resolution is, charitably, completely inaccurate.
Product: Debt collection

On XX/XX/2021 I sent Equifax my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX XXXX. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond. Its been over six weeks since I sent my dispute, so they are well over there required 30 days. I think you in advance for your assistance.
Product: Debt collection

Phone # XXXX called my aunt in XXXX right after XXXX and said i have a bounce check and they need to serve papers to me .Afterwards, I then received call on my work phone from both XXXX and XXXX saying they want to serve papers for case XXXX. Both XXXX and XXXX said they were calling from XXXX and XXXX law firm. ( i have the recorded calls ). calls went to voicemail. called them back and they wanted to verify my personal information and i advised them they will have to sent me information via paper bc im not providing my personal info. when i talked to XXXX he said no we can not send a paper confirmation of debt. And XXXX proceeded to tell me once a payment arrangement is set then he can send an email a confirmation. During any of these conversations, they did not say they were a collection agency, only from law firm. i asked for the company they are representing and they said advanced america and said it was {$410.00} owed for a payday loan from XXXX advised i will talk with them directly to resolve and XXXX said its too late for that. XXXX also stated were going to take t to court and charge u court fees and take everything you have. then XXXX hung up the phone. called back and got voicemail for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer t

o 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

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 famish an account without my written instructions. 
1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's forgery and misleading when the courts do not report this type of account. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

On XX/XX/2022 I requested a {$5000.00}. Balance transfer from my BarclayCard credit card to my checking account. On XX/XX/XXXX I received the {$5000.00} requested amount and was charged a {$250.00} transfer fee. On XX/XX/2022, XXXX reported a duplicate {$5000.00} balance transfer and charged me an additional {$250.00} transfer fee - however, this balance transfer was not requested, nor was the {$5000.00} ever received. I contacted BarclayCard on XX/XX/2022, and they admitted this was an error on their part and informed me that the {$5200.00} would be credited back. On XX/XX/2022, I received a refund for the {$250.00} erroneous transfer fee. On XX/XX/2022 I again contacted Barclay Card regarding the {$5000.00} transfer credit that was not requested, nor was it ever received. I was informed that it would be credited back to my account within 10 days. On XX/XX/2022, I had not received the credit so I once again contacted BarclayCard. I was then told that the refund was in process and that I would receive the credit by the end of the month ( XXXX ). On XX/XX/2022 I once again contacted BarclayCard as I had still not received the {$5000.00} credit to my account. I was informed that someone would call me back within 48hrs and that the credit had still not been issued. It is now XX/XX/2022 and I have not heard back from anyone from BarclayCard nor have I received a credit back to my account. This erroneous balance has been and continues to be reported on my credit report and my most recent statement shows this erroneous balance, and my minimum monthly payment required is reflective of this erroneous balance. BarclayCard has refused thus far to correct their mistake.
Product: Debt collection

On this date, XX/XX/2017 company opened a collection. 
Account # XXXX {$380.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

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

I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from TransUnion has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PRESTIGE FIN Made on : XXXX XXXX - XXXX XXXX - XX/XX/2018 Made with : XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.