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

In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681 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 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 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( A ) ( 5 ) 15 USC 1681s-2 ( a ) ( 1 )
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I received a text from Bank of America indicating fraud on my account. Almost instantly, I received a phone call from Bank of America ( with the same phone number on the debit card ) and the rep identified himself from Bank of America. They indicated I needed to make a manual payment to deposit the funds back into my account. The money was instantly gone from my checking account. 

I submitted a claim with Bank of America within 15 minutes of the phone call. I froze the account that was associated with the fraud, I opened a new checking account information and submitted a police report with my town. 

I was notified today that Bank of America denied my claim because Bank of America " completed the XXXX transfer ( s ) according to the instructions you provided us, and therefore no error occurred ''. They did not consider that I was fraudulently scammed into sending the money, nor did they seem to care. 

Bank of America also stated that they would, as a courtesy, research my inquiry with the other party in an attempt to recover the funds. However, the " other party '' called from a Bank of America phone number so there is no way to contact them. 

It is my understanding that Regulation E requires banks to reimburse people for unauthorized electronic transactions, as long as the customer provides timely notice.
Product: Credit reporting or other personal consumer reports

While reviewing a copy of my credit report ( XXXX  ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.
Product: Credit reporting or other personal consumer reports

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX
Product: Bank account or service

Bank of America has been trying to collect on a credit card debt that is over 10 years old. It was a debt that I could not pay at the time due to financial hardship. They have sold this debt to various agencies in an attempt to collect this debt. If I am correct this is against FDCPA rules and regulations. My current issue is that B of A has sold this debt to XXXX XXXX XXXX and XXXX XXXX XXXX at the same time, thereby causing harm to my credit ratings at a time when I have been paying my student loans. After I explained this to XXXX companies I received a letter from XXXX on XXXX/XXXX/15 and MCM on XXXX/XXXX/15 informing me that they will not pursue this issue any longer. My concern is that B of A will continue down this pass until someone puts a stop to this practice.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for inaccurately reporting my account status with XXXX XXXX. Currently, I am on a payment plan with XXXX XXXX, and both XXXX and XXXX are accurately reflecting this arrangement in their reports. However, TransUnion has marked this account as adverse, which is incorrect. 

This misreporting by TransUnion is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ). This section requires credit reporting agencies to maintain maximum possible accuracy of the information they report. By inaccurately reporting my account as adverse, despite my adherence to a payment plan, TransUnion has failed to comply with the statutory requirements of the FCRA.

This inaccuracy has negatively impacted my credit score, causing undue stress and potential financial repercussions. I have made multiple attempts to rectify this issue directly with TransUnion, but the incorrect information persists on my credit report. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure TransUnion corrects this inaccuracy within 15 business days as mandated by the FCRA. Immediate action is necessary to prevent further damage to my credit and to uphold my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lifted my XXXX security freeze easily on the other 2 credit reporting companies. Experian did not. 

They wanted a long list of documents submitted to ESTABLISH / PROVE my permanent residence. 
I NEED THIS LIST OF DOCUMENTS THEY REQUIRE ( from memory driver 's license, utility bills etc. ) and the ADDRESS TO WHICH THEY ARE TO BE SENT. 

I believe that this issue ( which I tried to correct years ago unsuccessfully ) arose because in any attempt to correct a prior error in my credit history, they had me living at a law office as I sent a letter from the address thinking - erroneously - that someone would pay more attention. 

Then, because the law office gets its mail at a post office box ( no delivery to addresses in XXXX ), they had my address as the box office box. It's large, but not that large.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX  XXXX XXXX XXXX ( {$950.00} ), XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX and was approved by Sun Trust Bank that day for {$5500.00} - 60 months @ {$110.00}. 
On XX/XX/XXXX Sun Trust Bank sent me a letter saying after careful consideration they regret to approve my request. However, they would extend a offer of {$11000.00} for 72 months? 
I once had a checking account with SunTrust several years ago. I had gone in the bank and closed account. At the end of that month instead of telling XXXX XXXX the account was closed and the bank could not accept the automatic withdrawal. They charged my account up to {$200.00} in insufficient fund fees. When I paid XXXX with a money order the Bank got that money some how? I didnt have car insurance.
Product: Checking or savings account

On XXXX XXXX 2017 my checking account was fraudulently charged XXXX by USPS. Upon learning of the transaction I immediately called and disputed the charge. The transaction was used to purchase a money order that I myself did not purchase. Chase refunded the charge and submitted a claim for fraud. A week later the funds were taken out of my account again. I contacted Chase and was informed that my claim had been rejected so the funds had been reversed. They stated that because it was a PIN based transaction they could not move forward with the claim because I had no proof that I did n't make the transaction. I stated multiple times that I did not make the purchase, I did not give my card to anyone, and no one knows my pin. I called several times after that to ask for information regarding transactions on my account. During my own investigation I was told by a member of the fraud team that there was a non chase ATM balance inquiry made on XX/XX/XXXX, the day before the USPS charge, at an ATM in XXXX WA at XXXX XXXX. I never go to Non Chase ATMs so I found this suspicious. My previous transaction that day occurred at XXXX XXXX at the Oregon XXXX. I was in fact at the Oregon XXXX on X/X/17. I have Pictures to prove that. XXXX WA is 3 hours XXXX of XXXX Oregon, where the Oregon XXXX is located. I explained this all to the fraud team in the effort to get the to understand that there was clearly a duplicate of my card out there and they had my pin. I could not have made purchases at the Oregon XXXX in XXXX Oregon and then traveled 3 hours north, in just an hour, to make a balance inquiry at a Non Chase ATM in XXXX WA. My claim was reopened. Today my claim was again rejected. I 've spoken to many senior supervisors at the fraud department of Chase and they have no intention of returning my fraudulent funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$2200.00} XXXX  XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$3200.00} XXXX  XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$7000.00}
Product: Credit card or prepaid card

Someone impersonated my boss and emailed my company email address as my boss, they used my boss 's email address and emailed me from that email address. They then texted me and told me to purchase several gift cards. I double checked with my boss and realized it was a scam but by then I had purchased {$4500.00} worth of gift cards from XXXX and XXXX. XXXX said to contact credit card and debit card company. XXXX was able to lock 17 out of the 18 cards. XXXX XXXX canceled the charge immediately. Capital One said they could not do anything. Capital One refused to cancel the charges and provide help on the issue. Capital One clearly provides no protection for their users. I filed a police report, I filed a complaint with the FTC and I filed a complaint with XXXX
Product: Debt collection

I am writing to file a formal complaint against Linebarger Goggan Blair & Sampson, a debt collection law firm. Despite my written request, sent via certified mail on XXXX XXXX, the aforementioned law firm failed to validate an alleged debt in accordance with 15 USC 1692. Furthermore, they neglected to respond under penalty of perjury via an affidavit as demmended, nor did they send me a true bill per ( 12 USC 1431 ). Additionally, Linebarger Goggan Blair & Sampson knowingly and willingly disregarded all the demands outlined in my written correspondence.

I have provided a detailed account of the events leading to this complaint : On XXXX XXXX, I sent a certified mail letter to Linebarger Goggan Blair & Sampson, requesting that they validate the alleged debt in accordance with 15 USC 1692. This request included specific information about the debt, such as how they aquired it, the license to collect, and any supporting documentation.

In the same letter, I demanded that Linebarger Goggan Blair & Sampson respond under penalty of perjury via an affidavit executed and sent to a notary public. 
Despite being provided with a reasonable period of time to respond, Linebarger Goggan Blair & Sampson failed to provide any true contractual validation of the alleged debt or submit the requested affidavit. They ignored all the demands outlined in my correspondence including {$1000.00} payment in the abscence of a true bill. 
Given the law firm 's flagrant disregard for the requirements of the Fair Debt Collection Practices Act ( FDCPA ), as well as their failure to adhere to the specific requests made in my written communication, I believe their actions constitute a violation of consumer rights and I am due remedy.
Product: Credit card

My information has been compromised. I have consistently made these claims and have file complains regarding suspicion of fraud. My inquiries with the representative from my Discovery credit account confirmed my concerns. I was told on XX/XX/year> a change of address was made on my account without my authorization. Naturally I requested who, where, and how could someone make this request? I received no notification requesting that I confirm this un-authourized request, I would think high security stipulations would be in place. 

How and why was I not notified? Who has access to my account? What other information do this person or entity have illegally obtained? 

I am requesting a full investigation and that all parties involved be brought to justice. I am angry!
Product: Vehicle loan or lease

I leased a vehicle through Hyundai Motor Finance in XXXX. I requested a buyout quote and paid the entire balance of the vehicle via an overnighted cashier 's check on XX/XX/XXXX. This payment was recorded and accepted by Hyundai Motor Finance in XX/XX/XXXX. I requested an update on XX/XX/XXXX to be informed they had not received my odometer statement. I filled out and submitted the form via email on XX/XX/XXXX. 

I requested an update on XX/XX/XXXX, when the representative confirmed receipt of the odometer statement and said the title department would have an update within 5-10 business days. 

Saturday, XX/XX/XXXX I received in the mail another odometer statement. They have already confirmed receipt and have not issued my title in over a 30 days since receipt of payment.
Product: Debt collection

I received a call on XX/XX/19 at XXXX from XXXX, XXXX XXXX , from an XXXX XXXX  XXXX concerning a debt that was forwarded to his office needing final recommendations prior to sending to the District Attorneys office in my state. I was unable to return his call at the time. In the meantime, a call was placed to my husbands phone, the secretary at my office, and repeated phone call to my supervisors private, personal phone number until she left a meeting to take the call. The message was the same information-a legal matter that needed my attention prior to making recommendations to the District Attorneys office and Sheriffs Office in my state. XXXX XXXX started to my supervisor that law enforcement would be sent to my place of employment at XXXX to serve me with papers/arrest. My supervisor stated that I would not be disturbed at my job. Mr. XXXX stated that he would place a phone call to my superintendent to further discuss the matter, as I am a XXXX   XXXX. Upon my supervisors return to XXXX-she gave me the information from the call. During my planning on XX/XX/19 at XXXX, I placed a phone call to XXXX and spoke to XXXX XXXX. He refused to provide me with written documentation to validate the debt he was referring to. Rather he verbally harassed me, questioned my integrity as a professional XXXX, stated I must think I am above the law and proceeded to state he would submit evidence that I would be charged with grand larceny in my state and would be arrested at my XXXX  the following day. I continued to ask for documentation and he stated he was terminating the call. I called back again requesting documentation and he stated that he had all the necessary information and proceeded to tell me my name, address, place of employment, mortgage company, husbands name, husbands SSN and date of birth, husbands employment. I asked for documentation to be sent to my home address and the phone call was terminated again. My third call to XXXX XXXX, I was accused of harassment and was placed on hold while a 3 way call to my XXXX district superintendents Office was placed. In the call, a message was left on his secretaries voicemail stating that there was information faxed to the office with information regarding an employee. Then the phone call was terminated. The 4th, 5th and 6th calls were also terminated when I asked the representatives to provide documentation to validate the debt, I know my rights, and to make them aware that phone calls were recorded. Mr. XXXX also placed calls to my husband, which were returned but Mr. XXXX was not in the office to speak with my husband at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n XXXX and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX year old XXXX  PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

I would like to receive reimbursement for transactions.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent. They were opened/used without my permission. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 

These accounts are reporting to my credit and I do not recognize them. Beyond these facts I do not have any other information. 

XXXX XXXX XXXXXXXX XXXX XXXX