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 account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.
Product: Debt collection

I would like to dispute the amount owed to Richard B. Maner, P, C, whom is acting as a debt collector  attempting to collect a debt as representative of XXXX XXXX XXXX 

I would like Richard B. Maner to present to me proof of their legal right to collect this debt. 
I would also like proof of the true amount owed as well as where this debt originated from. 

I would like to know why I can not direct contact with the correct decision makers on this loan, not the middlemen. 

I would like a chance to workout a settlement to this loan and request that the foreclosure date that is set for XXXX XXXX XXXX be postponed or cancelled. 

This Law Firm works hand in hand with XXXX XXXX whom has thousands of complaints about there unfair tactics on this site alone.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in unauthorized activity on my credit file. As such, I am requesting that you block and delete the following inquiries and accounts in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the blocking and deletion of fraudulent information in the event of identity theft or a data breach. 
The fraudulent inquiries that were made as a result of this breach are listed below : Fraudulent Inquiries 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 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 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 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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had purchased XXXX XXXX digital giftcards from giftcards.com. After attempting to use the cards the number could not be found and after a few attempts just said zero balance. I contacted XXXX they had told me that they could see there was a balance on the cards but the cards were never activated. I then contacted giftcards.com and told them that and thier response was to contact XXXX again as they have nothing to do with it. I now have a XXXX investigation into my giftcards and waiting for response. I have since decided to just attempting to get a refund from giftcards.com. They claim they need to contact XXXX. After further review they had told me that the giftcards had no balance and could not process a refund. While it sounds like XXXX is doing what they can do giftcards.com is just attempting to Rob me of my money and could seem to care less. I have transcripts of proof from XXXX collaborating what I had told giftcards.com. Yet they still seam to want to do nothing about it.
Product: Debt collection

The Receivable Management Services continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and BBB on this issue. The Receivable Management Services has XXXX  days to delete the accounts in violation before I sue for violations.
Product: Mortgage

We obtained pre-approval letter through Bank of American ( ( XXXX ) in this XXXX then started house shopping. In XX/XX/2016 our offer got accepted and we started to get our loan processed in next day, our loan officer gathered all the items needed, ordered appraisal then submitted our loan to their underwriting in CA ... ... We did not get a loan decision by XXXX/XXXX/16 which was the closing date. 

The selling agent contacted the loan officer for an update. However, there was no firm answer from Bank of America. Seller listed the house for sale next day ( XX/XX/2016 ) and kept our earnest money. Seller 's lawyer contacted our agent and let us know that seller was entitle to keep all earnest money since we did not meet the closing date. We also hired a real estate lawyer to fight. Keep long story short, it took over 2 months get this case settled. We only got a potation of our earnest money refund. 

Bank of American also issued a denial letter to us for a wrong reason, then requested a revised one ... back & forth. It has been a very unpleasant experience to deal with Bank of America.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitted to me upon moving out of the apartment an incorrect ( amount ) invoice of {$160.00} dated XX/XX/2023. 
I contacted XXXX leasing office and stated the invoice was bogus and totally incorrect. XXXX then submitted a second incorrect invoice via XXXX- XXXX XXXX XXXX for utilities {$120.00} which did not include my original rental deposit. I further communicated with XXXX stating the second invoice is incorrect. 
XXXX  via XXXX XXXX XXXX reported the {$160.00} against my credit report. I notified XXXX via XXXX e-mail notices requesting this issue be corrected. XXXX has not corrected the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple of months ago there was an account added to my credit report by XXXX XXXX XXXX. It surprised me because it is a very old account. It was involved in a bankruptcy case in XX/XX/XXXX. I'm not sure why they would now add this account after all these years. The statue of Limitations for collection is up being that it is past 6 years, and it was in bankruptcy!!! I reached out to the 3 credit bureaus to tell them about their unfair credit reporting. XXXX and XXXX deleted this account from my report. But on XXXX it still remains.On my credit report they have date of delinquency as being XX/XX/XXXX and date reported XX/XX/XXXX and date assigned XX/XX/XXXX. Clearly this is a blatant case of re-aging my account. And that is a direct violation of the FCRA, Fair Credit Reporting Act. Also I disputed this with XXXX on XXXX XXXX and there is no mention of my dispute listed on my account as of XX/XX/XXXX. Clearly another violation of the FCRA. This illegal and unfair. This incorrect reporting is hurting my credit. I am also contacting the XXXX  and the Attorney General Office to let them know what they are doing to consumers. They need to delete this NOW!!!!
Product: Debt collection

From the start these apartments that are trying to collect money from us scammed us. They wouldnt allow us to even view the apartment before signing the lease. They put us in an apartment infested with roaches, bedbugs, and put us next door to someone who was doing/on drugs and ended up flooding our apartment. Our floors were soaked for a week. Everything was breaking and no maintenance was done and they would hardly come to spray. We felt so unsafe and feared for our lives living there. We ended up moving out earlier than our lease was for. The amount they are trying to charge us is false and frankly insane for what they put us through.
Product: Debt collection

I made my payments for XXXX and XXXX. I never onces recieved any calls from them stating payments were missing and I never once recieved anything in the mail regarding missed payments. This company has never compromised with me about fixing the solution instead they sent paperwork to my work instead of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please research the following ( 2 ) hard inquiries : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies Experian, XXXX, and XXXX are mandated to conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I assert my rights supported by 15 USC 6801, which underscores Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Experian, XXXX, and XXXX, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), Experian, XXXX, and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and Experian are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. Experian, XXXX, and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of there reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Product: Checking or savings account

I have not received my direct deposit from either of my employers. I have no access to my money. This is causing further financial distress. I have tried to contact Capital One multiple times, finally was able to speak with someone this morning, however they could not provide information regarding my direct deposit.
Product: Credit reporting or other personal consumer reports

I am writing in response to the completed investigation regarding my dispute with your agency related to the creditor, Equifax. I have reviewed your findings, and I must assert that I am unsatisfied with the level of detail provided. 

Per FCRA XXXX ( a ) ( XXXX ), I am entitled to a full description of the procedures your bureau followed when processing my dispute, including but not limited to the method of verification utilized in providing the information to the original creditor. 

As stipulated in FCRA XXXX ( a ) ( XXXX ) ( B ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I expect to receive the exact procedure and methodology your bureau employed to ensure the original creditor was fully and properly informed. 

Additionally, I am requesting that this information be supplied within XXXX  days ( from XX/XX/year> ), as required by the Fair Credit Reporting Act.
Product: Debt collection

Rental Debt Keeps appearing on my credit report that I have absolutely no knowledge of. This Debt belongs to someone else other than myself and i am forced to put the alleged debt and company in litigation.
Product: Debt collection

I received a letter in the mail stating that a debt collector that is saying they are attempting to collect a debt that I " previously owed '' to XXXX  XXXX XXXX. 
They say that as of XXXX, I owed {$490.00}. I have not had a credit card since 2006 and will never have one. I have not received any previous notices prior to this one.

They say if I write this Portfolio Recovery Associates , LLC by XXXX that they must stop collection on any amount I dispute until they send me information that shows I owe the debt. I will be writing them as I would like very much so to see how they prove I owe this debt. I will be appealing that I do not owe this debt. I don't know what else to do, as I don't have a debt, nor have I ever had a XXXX XXXX credit card.
Product: Debt collection

These people are refusing to let me set up payment and threatening me to put this on my credit report even though I am trying to Pay!! My wife accidentally bounced their payment and they tried it again on a non pay week without contacting us to even see what happened then said they could only take a card on XX/XX/19 then on XX/XX/19 they can't make an arrangement and can only take the card the day of.
Product: Credit card or prepaid card

Today, XXXX XXXX, 2017, I called Citibank to close my AAdvantage Platinum Select credit card. I was referred to a " senior account specialist '' whose job was clearly to talk me out of closing my account. I calmly and politely explained my reasons for closing the account figuring they would make sense : I do n't use the card anymore, have n't used it in a year and a half, and do n't want to keep paying the annual fee for something I 'm not using. <P/>This person kept pressing me not to close the account, and despite my continued explanations it sounded like he was following a script instead of actually listening to me. For instance, he was amazed that I had no balance on the card and always paid it off on time ; is that so surprising when I have n't used it in over a year? He offered to refund the full annual fee instead of a pro-rated amount if I first spend {$1000.00} in the next 3 months on the card ; I responded that I was not interested and would rather just close today. STILL he kept pushing, and at this point I got angry. Despite his continued emphasis on being able to get my full annual fee back, I told him I saw through his game : this is a ploy to get me to keep the card, try to follow a bunch more little rules, and be too lazy to call back in 3 months. He 's probably right that I would n't do all of that successfully ; that 's why these banks have so much money! Yet I had to yell at this guy repeatedly to get him to finally give up and close my account, which he eventually did. <P/>I wanted to be proud of myself for finally getting around to crossing this off my todo list. Instead I had to get angry and exasperated ; a calculated move, since he clearly was n't listening to me when I was being polite, but that does n't make it easer or less stressful. That awful memory will be my parting experience with Citibank. <P/>You can tell Citibank that they just lost a customer permanently ... unless they decide to pull a XXXX XXXX and reopen the account without my permission, of course. After that phone call, they sound like exactly the type of company to do such a thing.
Product: Checking or savings account

I received a 1099-INT for XXXX from Wells Fargo and after I looked into it, they were supposed to send me a check last year because of the major settlement from XX/XX/XXXX. They verified that the check was supposed to be {$120.00} but instead of them sending it to me they applied to the my old account that was closed over 7 years ago. As far as I remember, I had no balance on my checking account when I closed it and when I asked what the balance is after they applied it or even any information about prior balance that caused they to keep it, they told me because it's over 7 years they couldn't tell me anything about it. So I asked they when they were cutting the checks, they looked at my account saw I owed and decided to keep it instead of sending it to me, they have no other information about whether or not I owed more or less than the amount of what they were supposed to send me because of them wrongfully charging accounts and getting caught doing it and having to pay a settlement of XXXX XXXX dollars to their customers that they XXXX XXXX I know it doesn't matter that I'm a XXXX veteran living off my XXXX from VA as my only source of income but every penny counts at this point in my life and them not being able to give me any info on why they didn't send me what they owed, just since I supposedly owed them, they weren't sending me anything. I honestly don't know what y'all can do for me, if I should find a lawyer please let me know, because I don't remember how long exactly I banked with them but it was for at least 10-15 years before I closed my account. Thank you for your time
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I put XXXX on a bitcoin through XXXX  it went through fine on their side but when I went to check and finish set up on Coinbase wallet they had cut me off and I went to check the wallet it said wallet not found I never got to finish setting up my coinbase wallet and can't access my bit coin at all. The second time it happened on XX/XX/2021 I put XXXX on another bit coin on XXXX. The transaction went through again fine on XXXXXXXX XXXX side but has never showed up in my bitcoin wallet on XXXX. I have emailed support several times from XXXX and Coinbase and have not had gotten a response back from either one. There is no phone number to call just email or text also texed both companies and once again no response back.I put cash in the bitcoin machine and have the recipets to prove the money was put on there. But, has never showed up on the coinbase wallet or on the XXXX  wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an annual credit report for myself and my husband from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, Order number XXXX. Order dated XX/XX/2021, phone number XXXX. When I contact this number they say this is an annual credit report that is free to me annually. I have NEVER given XXXX any information or the ok to run my credit and they hang up on you once they tell you that. It is not right that they are able to run my reports. It says it is a soft him. I have worked in the Insurance business for 20 years. A soft hit does NOT send you your annual credit report. I am furious that they have taken my information WITHOUT MINE OR MY HUSBAND 'S approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 21 points in one day XX/XX/2021 even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. This happened because my professional association was promoting a private student loan refinance company known as XXXX XXXX, owned by XXXX XXXX, and included a link to calculate an estimate of the interest rate one may obtain with XXXX XXXX should they refinance with them. This was promoted as a finance tool however when I used it, it resulted in a report to the credit bureaus of a hard inquiry as if I had applied for an actual loan.The purpose of the promotional email was to encourage members of my professional association to research if they could first possibly qualify for a better interest rate, BEFORE, submitting a formal loan application.
Product: Vehicle loan or lease

I have requested a 1099C from this company and they refuse to provide any info about the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received notification via FTC report of misreported information and all supporting documentation in regards to company XXXX XXXX XXXX XXXX XX/XX/2022. This company also has received action by CFPB for their fraudulent practices. However Equifax did not respond and continues to furnish this inaccurate and fraudulent information on my credit report. Documented calls into XX/XX/2022 Equifax ask to resubmit disputes just to further delay process of investigation even when they have everything on file. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and should be held accountable just as XXXX XXXX services. Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.
Product: Credit reporting or other personal consumer reports

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

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 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  Has violated my rights I looked at my Experian report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THE ADDRESS PLEASE REMOVE IT FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX  XXXX XXXX. Apt XXXX XXXX, SC, XXXX