23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX CT XXXX OH XXXX XXXX : Notice for Proof of Claim Account : NATIONAL CREDIT SYSTEMS # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of  indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you  send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

Portfolio Recovery Assets ( PRA XXXX acquired the account due to issues with a XXXX XXXX XXXX error, once I learned I was able to resolve the issue outside of XXXX, I contacted the PRA directly and made the payment in full closing the account. I was told the account would be reported as paid and removed from collections status as soon as the payment was received from my bank account. The payment cleared my account as agreed and to date PRA has not reported this information to the credit reporting agencies which continues to have a negative impact on my FICO score.
Product: Credit card or prepaid card

I have two cards from Direct Express to get my retirement money every month.this month of XXXX they cancelled my card without my concerned and send me a new one witch is block.both cards now are blocked and I can't get my money.i am an old person that has health problems, XXXX XXXX XXXX XXXX, and probably I have another XXXX XXXX XXXX XXXX.i called Direct Express for more than 5 days also the Social security.now because neither wanted to help me I decided to open a bank account and tell Social security office to send the money there but I have to call Direct Express they said.i call Direct Express but they don't want to send my money to my bank acct
Product: Credit card

On XX/XX/2023, I received an email from XXXX XXXX that my Navy Federal Credit card was closed. I did not receive any notice about my account being closed and I paid {$120.00} on the XX/XX/XXXX for my credit card payment. I received a backdated letter on XX/XX/2023, but the letter was backdated for XX/XX/2023, that my APR would change to 18 % interest rate. The letter also stated that I needed to make 6 consecutive minimum payments on time for APR to go back to the original payment and if not, I would continue paying the 18 % interest if I don't pay on time. Also, I received a backdated letter for XX/XX/2023, stating the account had been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act : XXXX XXXX Account XXXX has violated my rights. 

In Accordance with The Fair Credit Reporting Act : XXXX XXXX XXXX. Account XXXX has violated my rights. 

15 USC 1681 section 602A States I have the right to privacy. 

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

Our son stole our credit card and charged a bunch of unauthorized charges on it. XXXX, XXXX, XXXX and XXXX, XXXX station charges from XX/XX/XXXX and XXXX are all not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made numerous attempts ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to remove inaccurate accounts from my credit report and accounts are keep coming back verified and accounts are still appearing on my report. I will like to know how these accounts are being verified when the account addresses are not even on my credit report. The accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX , and XXXX XXXX. I need these accounts removed immediately. The only address I am affiliated with is XXXX XXXX XXXX XXXX XXXX MI XXXX. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I have recently sent in a dispute on XX/XX/year> and your company has failed to complete an accurate investigation. You have verified this account as accurate on XX/XX/year> however it is still reporting inaccurately across all three credit bureaus. How does this happen after a thorough investigation? I am trying to get a home and this incorrect reporting on my credit score is affecting my home buying process and is a violation to my consumer report rights. 

I asked to be provided with the method of verification with verifying these accounts via the person you spoke to and who responded to your dispute to confirm this account. I was not provided with this information. Per the FCRA 611 ( a ) ( 7 ) you had 15 days to provide me your method of verification according to 15 USC 1681i ( 7 ) method of verification and you have failed to do so. I request you please DELETE the following account in question from my credit report immediately. I have included a screen shot below of your inability to report correct information. 

XXXXXXXX XXXX  : ACCOUNT # XXXX This account is reporting inaccurate date opened This account is reporting inaccurate payment history and status This account is reporting inaccurately according to 15 USC 1681 ( e ) ( b ) that states 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. 
Delete this account immediately 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX ) making the report. 

XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. Delete this account immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX declined a check that was written by me in a grocery store. After receiving the consumer report, there was not any information listed as to why the check was declined. At the end of the report, it states that information could have been received from Chex Systems , Inc. I contacted Chex Systems and again there was not anything in the file. No bad checks, nor is there a history of bad check writing in the file from the two companies. This reporting and suggesting declines is very embarrassing and humiliating. My credit report has a fraud alert and maybe this was the reason why however this experience could have been avoided if these companies would update their information and gather precise information needed to refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working on my credit really hard this year because I started a new business additional to my already employment the problem is all of the the bureaus that monitors the credit all three of them are reporting really low scores when it shouldn't be that low they're sending me false offers of credit cards that I could receive and which one they know I was never eligible to receive those credit cards so it's just more increased on my report that didn't even make sense they're doing almost the same thing that XXXX XXXX was doing they're lying to the consumers tell us that we are eligible will pre-approved when we're not and in reflection of that it is making my score remain very low when it should be way higher than what it is and there and they're reporting the wrong reports the other two is for is XXXX and XXXX or reporting reports from over a year ago this really hurting my score so could you please check into this and straighten out these issues I have and make them take out all of those inquiries that they have me do by telling me that I was approved for things that I wasn't it's really just trust to the consumer all around the board and it sets us up to fail in life
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for a copy of each school I have been to with the amount of loans and I cant get a specific amount
Product: Credit card

Bank of America continued imposition of interest charges on my XXXX XXXX XXXX credit card when the only transaction on my account for the past 10 months has been a balance transfer/cash advance loan described by Bank of America XXXX BOA ) in relevant part as follows : Advances : Promotional APR Annual Percentage Rate 0.00 % Promotional Transaction Type CHK, DD Promtional Offer ID XXXX Promotional Rate End Date XX/XX/year> Interest Charges by Transaction Type {$0.00} Thus, no interest charges should have been imposed. I demand return of the {$49.00} wrongfully charged on this account as a statement credit or cash back.
Product: Money transfer, virtual currency, or money service

Hi CFPB I raised a support ticket with XXXX, immediately after the platform crash they suffered, on the XX/XX/XXXX and again on the XX/XX/XXXX. They have only confirmed that they had received the support tickets, but did not provide support ticket references, then sent out an standard email on XX/XX/XXXX confirming they are having delays dealing with tickets ( which I empathise with ) and that they are prioritizing their responses. 

The contents of the second ticket, sent XX/XX/XXXX, explained my issue : " Hi Support I have not received a response to my request as yet, please can you help? 

My sell order for XXXX for XXXXBTC incorrectly fired around XXXX on the XX/XX/XXXX.  Your systems also dropped so rapidly it sold at levels far below XXXX - XXXX to XXXX, XXXX ... please provide evidence if was due to a system error and not a real price. 

Can you also confirm that the historical graphs for XX/XX/XXXX, around XXXX British Mean Time, now look completely different to what XXXX was showing on the day for the price of BTC/GBP ... now your site is showing a peak of XXXX but it definitely spiked at XXXX. 

Your graphs are now showing a low of around XXXX - my sell order was XXXX ... this is clear evidence that the sell order only fired due to your systems falling over. 

Can you confirm you can see the sell order cancellation request prior to your systems erroring? This was done around XXXX? 

I lost approximately XXXX of a BTC ... I'd purchased XXXX of BTC that morning and this error has wiped out my investment on that day effectively. 

Please can you help resolve this issue and refund me for the lost BTC? 

Much appreciated XXXX XXXX '' On the day of the XX/XX/XXXX the sell order fired incorrectly at XXXX British Mean Time and I then bought back in at XXXX when the price on XXXX had returned to the correct market value. I sold XXXX BTC and bought back XXXX BTC. I lost XXXX BTC due to the incorrect sell. 

There were also 2 charges of XXXX and XXXX from XXXX for the trades. None of these trades should have taken place and I should not have been charged due to the XXXX platform fail over/glitch. Please can you help? 

Thank you for your time and consideration. 

XXXX XXXX
Product: Student loan

Within my Mohela account, I was notified that XXXX XXXX payments had been fulfilled on XX/XX/XXXX. Within XXXX weeks, my balances were at {$0.00}. 

On XX/XX/XXXX, I received the official notice that my accounts had been paid off. 

On XX/XX/XXXX, after trying to call to speak to an agent XXXX times but getting the automated run-around, I emailed to request that they be removed from my credit report. Their automated message says they report to credit bureaus at the end of every month, but it appears ( according to what I've seen in my credit report ) that they only report active balances. I have XXXX paid off and XXXX open. 

On XX/XX/XXXX, I attempted to call again from the number on my credit report. I was circled repeatedly, and pressing " XXXX '' to speak to an agent appeared XXXX because nothing happened. I haven't been able to talk to an agent since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact Navient they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ) and its systemic failure to conduct proper investigations into consumer disputes. Despite submitting all required identifying documents with each dispute, Equifax continues to send stall letters asking for the same documents, rather than performing a reasonable investigation as mandated under FCRA 611. This is a clear pattern of disregard for consumer rights and federal law.

Equifax is inaccurately reporting late payments on the following accounts, which have never been late : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accounts ) XXXX. XXXX XXXX : how can it reflect paid and closed but also show 150 days past due I have consistently provided evidence and documentation supporting that these accounts are in good standing. Despite this, Equifax has failed to fulfill its legal obligations to verify the information with the furnishers or to provide a method of verification as required by FCRA 611 ( a ) (

7 ). Instead, Equifax relies on stall tactics, delays resolution, and does not address the core issue of inaccuracies. Recent CFPB Lawsuits Validate My Complaint : The CFPB has recently filed lawsuits against both XXXX and Equifax for similar practices, citing sham investigations and failure to adhere to FCRA standards. The lawsuit against Equifax specifically outlines systemic failures to conduct adequate dispute investigations, which is exactly what I am experiencing. This pattern of behavior not only undermines the integrity of the credit reporting system but also violates my rights as a consumer under the FCRA.

Equifaxs inaccurate reporting of these accounts is damaging my reputation and creditworthiness. I have requested verification and corrections multiple times, yet Equifax continues to shirk its responsibilities, directly harming my ability to access fair credit opportunities.

Resolution Demanded : 1. Equifax must immediately correct the reporting of the above accounts to reflect Paid as Agreed, Never Late ( PAANL ).

2. Cease the use of stall tactics and conduct a thorough, lawful investigation into all disputes submitted.

3. Provide the method of verification for all disputed accounts as required by FCRA 611 ( a ) ( 7 ).

Failure to address and resolve these issues in compliance with the law will result in further legal action and escalation of this complaint to additional regulatory authorities. Equifax must act now to restore accuracy to my credit report and to comply with its legal obligations under the FCRA.
Product: Debt collection

A merchant ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) sent my name to a collection agency ( United Legal Group ) for an unpaid balance they had under my name. I contacted the merchant and informed them I have never authorized any services either verbally or in writing. The merchant researched and the owner ( XXXX XXXX? ) confirmed that I never signed and authorized any service and it was a prior tenant that authorized the service. The last time I spoke with her, she informed me that should would contact the collection agency but this never occurred and is now showing on my credit report as a collections account. I've sent numerous emails to the merchant and collections agency to try to correct but the collection agency just gives me a generic answer that I still need to pay it. To date, neither the merchant or collection agency has ever provided me with any documentation that I authorized this service. They state they have a signed work order or receipt by me but no one has ever provided this to me.
Product: Checking or savings account

On XX/XX/XXXX I realized that my Wells Fargo debit card was missing. Upon checking my Wells Fargo accounts I noticed several unauthorized transactions on my both my checking and savings account that were made using my debit card. I called Wells Fargo immediately to report my lost debit card and report the unauthorized transactions which totalled {$5800.00}. They canceled my missing debit card, issued a new debit card and filed my dispute claim for the unauthorized transactions. On XX/XX/XXXX I received a call from a Wells Fargo claims investigator who told me that since my PIN was used with the debit card to make the disputed transactions they considered the transactions to be made by me or authorized by me. When I asked to appeal the decision because I did not make nor authorize any of the disputed transactions I was told the decision was final and I could not appeal it. A few days later I received a letter from Wells Fargo stating that my claim was denied because they considered the transactions to be authorized since they were made using the debit card with the PIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX for interest free card, I needed tires. XXXX of XXXX. int. free, I signed for it. 
This was mid XXXXXXXX XXXX. I thought billing would be XXXX XXXX XXXX. In XXXX I began to get calls from Synchrony. 1st time I said " Stop calling me. '' The XXXX time I said, " If you don't stop calling, I'm going to report you. '' Both times, there was no response, not a sound. 
Then I got something in the mail and was shocked to see Synchrony on the envelope. 
I was in arrears for tire payment! [ Note : I was in the middle of a kitchen disaster, they took my money, spent 13 months, never finished and quit. CP did XXXX. That's where my mind was. ] I called to apologize and told them I thought the calls were telemarketers. 
They insisted they sent statement. They did not, all I got was the warning letter. As far as all those answered and unanswered calls, their reps. lied, claiming messages left. I swear to you that never happened. That very day, I sent req 'd amt. The first & only statement arrived in XXXX, I paid it in full. Then I found out my Credit Score dropped from XXXX to a huge loss ... 2 years later it is only at XXXX. I asked them to reverse it due to no statements or messages. They insist their reps don't lie. On contraire!!! I wrote to the 3 Credit Bureaus, to explain. I was ignored by 2, the 3rd sent guidelines. This is wrong! They are a XXXX XXXX and XXXX ruined other credit.
Product: Debt collection

After a thorough review, it has been determined that certain late payment markings on my accounts were inaccurately reported due to an internal error by the bank. I am pleased to convey that the companies have acknowledged this error and have taken corrective measures to address it. Consequently, they have agreed to remove the late payment markings and update the status of this account to " Open/Never Late or Paid/Closed Never late. '' The details of the account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts multiple times for its inaccuracy. The credit bureau keep saying these accounts are mine but I never deny an account belonging to me. I disputed the inaccuracies in these accounts and still no changes. From my understanding usc 1689 states credit reporting must be 100 % accurate or these accounts must be removed. I keep disputing these issues and the credit reporting agency keep saying they are accurate when I have showed proof multiple times of them being inaccurate
Product: Debt collection

: Service Manager XXXX XXXX sending me threatening letter to place a mechanics lie n and selling my car at auction for non-payment while I have been away for military service. I have paid nearly {$1000.00} and my 3-Series that Ive had serviced there for 13 years STILL DOES NOT RUN! XXXX XXXX has not been able to make any progress or give an accurate diagnosis of the issue since the car was towed there in XXXX of 2020. Service Mgr XXXX now charging me {$1500.00} dollars in storage fees and violating my rights under the SCRA or Service Members Civil Relief Act.