23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have attempted to connect with NCB Management Services , INC in regard to a tradeline posted on my consumer file. On XXXX XXXX I sent NCB a cease-and-desist letter requesting to remove this tradeline from my consumer file and NCB refuses. While doing my due diligence I discovered that NCB poses as a collection company but is not licensed or bonded in the state of Arkansas. This is illegal. These are my final attempts to handle this matter outside of court. Please have this company remove this tradeline from my consumer file.
Product: Money transfer, virtual currency, or money service

I was contacted by what i thought was a XXXX XXXX employee and was told my account hsd been overdrawn and to send funds immediately XXXX/XXXX/202 {$750.00} XX/XX/year> {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported 30 days late I was twice I have never been late with my auto account I have reach out to XXXX XXXX XXXX  many times submitting my reference # exc showing that it was an inaccurate reporting they was suppose to rectify the error which it still shows and its preventing me from closing out a deal.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek to appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 
CREDIT FIRST, has violated my rights FIRST PREMIER, 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. 

These accounts have been paid, they are affecting my credit and should be removed.
Product: Money transfer, virtual currency, or money service

I tried to transfer money to my friend in the XXXX on XXXX XXXX. transaction XXXX I received an email then that said my transaction was put on hold they need more information from me I provided them the information ( email attached ) they requested. Then I received another email that said I had to call them. When you call them all their phone lines are not in service due to the virus. 

I send them another email and stated that their phone lines are not accepting calls. 

I just need for them to release the funds and open my account back so I can continue to send my friends money in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX falsely reported a 30 day non payment on my credit report and given evidence of their mistake has continued reporting the false information. I've contacted the credit bureaus and they continue to side with XXXX XXXX even after I have given them the same evidence that XXXX XXXX is reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX/XXXX ) account # XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b. XXXX XXXX XXXX, and XXXX, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX  ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Product: Checking or savings account

{$5700.00} was withdrawn from my Citibank checking account on XX/XX/2022. This is an error. The statement says : " Transfer to Checking # XXXX ONLINE Reference # XXXX Transaction Date XX/XX/2022 XXXX PM ET ''
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$9600.00} ; XXXX  XXXX Balance XXXX : {$16000.00} ; XXXX XXXX  XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX ) IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT THERE ARE A COUPLE ERRORS ON MY CREDIT REPORT WITH LATE PAYMENTS DURING XXXX, XXXX, XXXX AND XX/XX/2020 I WAS NOT LATE ON THESE PAYMENTS I ALSO HAVE A XXXX BALACE ( GM FINANCIAL ) HAS A 30 DAY LATE ON MY CREDIT PROFILE I HAVE NEVER MISSED A PAYMENT WITH THEM
Product: Credit reporting or other personal consumer reports

date : XX/XX/23 amount : {$410.00} no actions taken by company company : portfolio recovery associates ( XXXX  XXXX ) action taken by me : filed a dispute multiple times i am unhappy and upset about a collection that was placed on my credit without my consent not only that but i didnt have or dont have a credit card and want this removed immediately! 

1692c. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the ex- press permission of a court of competent juris- diction, a debt collector may not communicate with a consumer in connection with the collec- tion of any debt
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and I strongly suspect their legitimacy. I urge you to conduct a thorough examination and promptly eliminate them from my credit history. I have provided supporting documentation for your assessment.
Product: Prepaid card

I purchased a card on XXXX/XXXX/15 at XXXX 's XXXX in XXXX, XXXX . I was charged a {$4.00} fee for the card. I called to activate the card shortly after the purchase. I was charged an additional {$4.00} monthly service fee for the card. I was confused as to why I was being assessed {$9.00} for a card that I have not charged anything to for my benefit. This is an egregious charge that has been assessed to me. I requested a refund of my money which will take 10 business days. As a consumer, I do not understand how they can justify 2 charges for the same service.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have submitted a police report and a Federal Trade Commission report regarding 3 fraudulent personal loans on my Experian credit report. However, Experian has not done anything to fix it.
Product: Mortgage

Ocwen offered a loan modification, I made all XXXX trial payments and then they denied me Citing that I made the first loan payment late, I checked with multiple service representatives before making the payment about the date, Ocwen sent me a certified letter stating that it was not too late to take them up on their offer, I callled and made a payment, they started sending me statements reflecting each payment never mentioning there was a problem with the timeliness of my first payment. 
also they have told me XXXX of my payments was declined by my bank I have copies of my bank statements that reflect otherwise ocwen was scamming me all along, they had no intention of giving me a modification, they did n't deny me until all XXXX payments had been made and they refused to refund my money and refused to give me the modification they offered me. it was all done very strategically. I didnt originally receive the offer letter by mail instead they sent me a notice that i still had time to take them up on their offer, they wouldnt send me an offer letter by mail but let me download it online so i would send them the payments then after getting all the payments they denied me saying it was too late however all their correspondance with me started with a certified letter near or past the deadline.They were scamming me to be able to take my property though i qualified for an modification based on the following facts my loan originated in 2006 with XXXX then transferred to XXXX XXXX XXXX. I should have received an modofication from XXXX XXXX XXXX, they denied me then transferred me to ocwen, and they manipulated the situation to document due diligence. which is in fact a way of scammimng me out of my home.Please help!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$5600.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$53000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am formally requesting verification of the information associated with the accounts in question through the relevant companies. Additionally, I require copies of any documentation pertaining to these accounts bearing my signature, thereby authorizing any contracts. In the absence of such signed documentation, I explicitly request the prompt removal of these fraudulent accounts, inaccuracies, and inquiries from the credit file linked to my Social Security Number. 

I want to bring to your attention that, in accordance with the Fair Credit Reporting Act section 611, you have a 30-day window to complete this investigation. By violating the FCRA, I am open to settling any civil liability damages resulting from your infringement for {$1000.00}, as outlined in FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Failure or refusal to remit payment of {$1000.00} within ten ( 10 ) calendar days of receiving this notice will prompt me to pursue actual damages exceeding {$1000.00}.

Kindly expedite payment via Certified Funds to my registered home address.
Product: Debt collection

I callled XX/XX/year> and asked for my information to be removed that I do not owe any debt and I dont have anything past due they are trying to collect money without any debt.
Product: Checking or savings account

Hey I bank with chime one XX/XX/XXXX I noticed someone had changed my email to my chime account and I forgot my password so I couldnt log in to my account. On XX/XX/XXXX some used my card at XXXX for XXXX then they went to the atm and withdrew {$140.00} I didnt authorize those chargers on XX/XX/XXXX I called chime to dispute the chargers but the keep denying my dispute I sent evidence that I dont live in XXXX I stay and XXXX  the didnt read all the evidence I sent them I keep making the same dispute over and the ask to send the same documents but dispute my claim.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX. For the past few days I have been receiving phone calls from this debt collector. They call and they hang up when I answer. A few days ago I called and the representative told me it was an attempt to collect a debt and they wouldnt let me ask questions. The company is HALSTEAD FINANCIAL SERVICES and they are calling from XXXX They also contacted my home and harassed my XXXX year old grandmother who is sick with XXXX and threatened to show up at my place of employment. I am not certain what his debt is about but they are certainly breaching the law. Please do something about this or I will certainly reach out to an attorney.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered inaccuracies in some of the information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that XXXX  and TransUnion authenticate this account. It is imperative that this reporting account not be treated as unconfirmed information without providing evidence within the legal timeframe. Please investigate the unverifiable account outlined below as per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) : XXXX XXXX  XXXX XXXX XXXX : {$370000.00}
Product: Debt collection

I was called consistently for several weeks regarding a debt I am not responsible for. The collection agency say the debt originated from an XXXX XXXX XXXX account. All XXXX XXXX XXXX accounts that I have had have been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit reports and there are multiple collections for XXXX XXXX XXXX XXXX that XXXX XXXX XXXX is reporting on Experian. I contacted XXXX XXXX XXXX XXXX and was advised that I do NOT have any outstanding balances with them and they do not know why XXXX XXXX XXXX would be reporting on their behalf. 

I have disputed these items with Experian, but to date they are still reporting.
Product: Credit card or prepaid card

I feel like I am in a living XXXX! I am beyond angry and frustrated with Bank of America! I sold my plasma at XXXX XXXX in XXXX ID. The money went on a Bank of America prepaid debit card.. On XX/XX/2020, at age XXXX, I aged out of being able to sell my plasma. I shredded my prepaid card.. Ever since then, I have gotten statements EVERY MONTH CHARGING ME FEES. I tried to stop the statements. I got told that it was up to XXXX to cancel the card. I went back and forth between XXXX and Bank of America for months. I was told by XXXX that it was taken care of. Still recieved statements. XXXX cc 'd me on an email they sent to someone supposedly at Bank of America. Got no response from that email. What's interesting is that fees got taken off my statement, but then I would get charged the next {$1.00} fee. I thought maybe after a year they might stop billing me. No such luck. I finally called the customer service number on the statement. Called got as far as escalations. Said it was taken care of. Still got statements with new fees. Called again last month got to escalations again, spoke to XXXX in Tennessee. She put me through to an escalations supervisor XXXX in Texas. He assured me that the matter would be taken care of and I wouldn't get any more statements. Well low and behold I got another statement. The previous fees had been erased, but they added a new {$1.00} fee. I finally decided to go to a consumer protection agency, you. Please help, I have been fighting this for almost a year and a half!
Product: Credit card or prepaid card

I was getting the card for someone travel to the states and was setting it up with his name. I then asked to have activated and they stated no. When ask for a refund they said they would send. I have all of the emails of this activity but I have I have never received after over a year of waiting for this.
Product: Payday loan

I borrowed {$1500.00} from XXXX ( an online payday loan company ) and they deducted {$360.00} from my checking account ( account statements enclosed ). However, now another company called Management Services Incorporated has put the loan in collections on behalf of XXXX. for the full amount. They have not credited any of the money that I paid them and payday loans/lines of credit are illegal in Virginia. I did, however, write them a letter, forcing them to refrain from deducting the money from my checking account XX/XX/XXXX ( this has also been enclosed with this complaint ). They have also listed this as a debt that is in collections on my credit report, which is of course having a negative impact on my credit. I am not reneging on paying the loan back, I just know that since this is illegal, this needs to be removed from my credit reports on all XXXX bureaus immediately. Please advise.
Product: Credit card

On XX/XX/year> I mailed a check to Diners Club for my outstanding balance. I wrote on the check that it was final payment and I was cancelling the account and I also wrote that on the bill. I cut the card into several pieces and enclosed it in the envelope. The check cleared on XX/XX/year>. 
Despite that cancellation Diners Club charged me a new annual fee for the card after that and is charging me penalties and interest on the cancelled card. I have explained this numerous times on the telephone, but they do not listen, just demand payment. Now they have reported me to the credit bureaus. No charges have been made to the card. 

I might add that under this card I had been a member since the XXXX and never had a problem. I cancelled the card because of what I considered to be an egregious although legal late fee.which was more that the actual charge.
Product: Credit reporting or other personal consumer reports

I've been paying my vehicle monthly note as I have for years never behind but now since maturity date has passed and I chose to keep making my monthly payments as planned and because I didn't want to make a big lump sum payment Santander/ Chrysler capital reported my payment as 30 days late which dropped my XXXX credit score XXXX points which is unfair I want this false reporting resolved and my credit scores back where it was there's no way a company should have your score dropped because you do not agree to make a lump sum payment