23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I play on social sweepstakes casino websites. I purchase gold coin packages that give free sweepstakes entries to you with purchase. I bought several packages and then found out about a week later that the website was running as a lottery instead of a sweepstakes because they were not allowing their members access to an alternative method of entry or a sweepstakes policy. By law all sweepstakes has to allow this especially if they are going to allow purchase entries. If not then it would be considered a lottery which is illegal in the state of Georgia. I requested a refund from the website, XXXX, and stated the reason behind it. I never used ANY of the gold coins I purchased. A few hours after requesting a refund for all of my purchases my account with them was locked. I was told twice by the manager that their was no Alternative Method of Entry or sweepstakes posted on their site but sent me a copy and paste of it in chat. I told them that it was highly illegal for them to run a sweepstakes where that is not available for easy access to everyone because it would be a lottery ( gambling ) instead of an actual sweepstakes and in Georgia that was illegal. She told me basically oh well. I disputed all of this with plenty of evidence to support my side. I no longer had access to the gold coins I purchased and never played with, the site was operating illegally as a sweepstakes the entire time I was playing ( refund requested as soon as I became aware ), and I made several purchases to a product I didn't have access to. I even pointed out that they never even sent me order confirmations and how I reached out SEVERAL times about this and no one responded from their support email. I was scammed out of money and I have nothing to show for it because of all of this. I even filed a report with the FTC and with Georgia 's General Attorney. I disputed all of the transactions with Current Bank. One of my transactions was approved in my favor but the others were not which makes zero sense. Current finds that I was in the right with the dispute on one of them but denies the rest. Furthermore I sent in so many screenshots, screen records, etc showing that the site was a scam. It even changed addresses 3x during this entire thing. I was told from Current that they would sent in all of the evidence to the disputes team but when asked if it was received I didn't get an answer so I don't even know if they received evidence that was sent in.
Product: Debt collection

Dear CFPB, I am writing to file a formal dispute regarding a collection account that has been inaccurately placed on my credit report. The following concerns form the basis of my dispute : Validation of Debt : The collection agency has not provided validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet they have reported this collection account on my credit report. This failure to provide proper validation is a violation of federal law.

Right to Dispute : I have not been given the opportunity to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency 's actions have denied me my right to challenge the validity of the debt within the legally allowed time frame.

Misleading Information : The collection agency is violating my consumer rights by providing misleading, deceptive, and incorrect information regarding the nature of the debt. Their misrepresentation of the facts is contrary to the protections offered by consumer rights laws.

Furnishing of Information : The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law, including but not limited to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) .I kindly request that the CFPB investigate this matter and ensure that the collection is either properly validated or removed from my credit report. I also ask that the CFPB hold the collection agency accountable for their non-compliance with the relevant consumer protection laws.

Please let me know if you require any further information. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was XXXX in the begining of XXXX. My apartment was XXXX XXXX sometime in the middle of XXXX. My venmo debit card was stolen along with other things. I made a police report the day I was XXXX from XXXXl. I submitted the police report along with the papers showing I was in XXXX to venmo. I had nearly XXXX dollars in point of sales transactions and atm withdrawals all done while I was XXXX. There was no way I could make the purchaces.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and am taking action to address these issues. The FCRA requires credit reporting agencies and furnishers of information to ensure the accuracy and integrity of the data they report. Here are the key violations I am disputing based on U.S. law : FCRA Section 616 - Civil Liability for Willful Noncompliance : The credit reporting agency failed to verify the accuracy of my credit information before accepting it, which is considered willful noncompliance. This could lead to civil liability under the FCRA, with penalties of up to {$1000.00} per violation.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Disclosure of Personal Information : They did not inform me of my right to opt out of sharing my personal information, which is a violation of my rights as outlined in the FCRA.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Inaccurate Information : They reported inaccurate inquiries and accounts without proper validation, which is misleading and violates the requirement to report only accurate information. 

Debt Collection Practices Act : I was subjected to unfair debt collection practices, such as the reporting of unverified debts, which caused unnecessary distress and harassment.

Acquiring Location Information Regulations : Debt collectors violated regulations by disclosing my debt information to third-party credit reporting agencies without my consent, which is prohibited under the FCRA.

Timely Payments Regulations : The credit reporting agency inaccurately reported " late payments '' without proper clarification, which is deceptive and violates regulations concerning the accurate reporting of payment history. 

Finance Charge Determination : They failed to accurately report finance charges, which is a responsibility of the credit reporting agencies under the FCRA.

Permissible Purpose of Consumer Reports ( 15 U.S.C. 1681b ( a ) ( 2 ) ) : Several unauthorized hard inquiries were made on my credit report without my consent, violating the requirement that a permissible purpose must be established before accessing my credit report. 

Due to these violations, I have requested that specific accounts be updated to reflect accurate payment histories and that unverified debts be validated according to FCRA Section 1692g. If the requested actions are not taken, I will pursue legal remedies as provided under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I'm concerened about the fact that my XXXX score is XXXX and my transunion is XXXX and my equifax XXXX I understand there will be some differences but those seem a bit drastic to me. I reached out to them with no results
Product: Credit card

This relates to a Best Buy credit card operated by Citigroup. On XX/XX/, a payment of {$2300.00} was withdrawn via XXXX from my personal checking account to pay off that month 's credit card bill in full. An erroneous second withdrawal was made on the same day for the same amount ( {$2300.00} ). Essentially, the credit card bill ended up being paid twice : once on purpose, the second time by error. I believe it had to do with a scheduled auto-payment issue. After the second withdrawal, the amount owed on my Citigroup credit card was negative, meaning I had a credit for the amount overpaid ( {$2300.00} ). I contacted Citigroup by phone on or around XX/XX/XXXX requesting a refund for the second ACH withdrawal. The representative told me they would send a check. The check did not arrive, so I contacted them again on XX/XX/XXXX, and they told me to wait as the check might still be on its way. Finally on XX/XX/XXXX, with the check having never arrived at my address, I called again. I spoke with someone and asked them to ACH me a refund immediately. At this point, it had been nearly XXXX weeks since I was missing my {$2300.00}, and I had bills to pay. The representative told me they would cancel the check ( that never arrived ) and XXXX me the money. They informed me it would take XXXX business days for this to happen, which was an unacceptable amount of time to me, considering how long it had already been with Citigroup having my money. I asked to speak with a supervisor, XXXX, who told me the same thing. I escalated it further to XXXX who assured me it was unlikely to take that long and that she would put in a note to expedite/prioritize it. As of right now, XXXX XXXX XXXX I still have not received the XXXX. Logging on to the Best Buy credit card page, I see that on XX/XX/XXXX, there was a credit balance refund for the same amount ( {$2300.00} ), but I don't see that money in my account. This is causing me significant distress as I am having to shuffle money around to ensure I have the resources to pay my bills, going on a month since the original Citigroup error.
Product: Checking or savings account

I'm an XXXX XXXX XXXX XXXX that arrived to XXXX with my wife and XXXX kids under XXXX orders on XX/XX/XXXX. On XX/XX/XXXX, I noticed that my USAA daily checking account wasn't available on my phone application, but thought it was a system error since I had just updated the USAA Mobile App on my phone. The next day I had my wife, an authorized owner of the account, verify with the USAA web page that the account still didn't appear. I then suspected that the account had been closed when my phone got disconnected due to a failed automatic withdrawal. I immediately called USAA to inquire the reason for the closure of my account that I use to pay all my and all USAA products that I own. 

Their excuse was that my XXXX sister, one of the four authorized account owners since XXXX ( me been the primary ), had not provided proof of identification and therefore the account was closed. Again, she is a XXXX years-old  XXXX person that can't speak XXXX XXXX on her own. I have been using this account for nearly 9 years and its were my XXXX check gets deposited every XXXX day of the month, yet USAA decided to close this account without notice and with zero consideration to what damage closing this account for one of their loyal members. I had to make a {$14000.00} loan to match this XXXX 's paycheck since XXXX won't resubmit this month 's check until my next payday, which is on XX/XX/XXXX. At the time I called USAA, I asked them to simply remove my sister and reinstate the closed account ( which would have been the preferred initial course of action ), but they said that was impossible and that they could not help me.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Accounts that are in accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get all XXXX Bureaus to look into this account now for a about 3 months. I know that all my information must be correct or it needs to be removed. I have been asking to have this account looked into and I haven't received any information on my dispute. When you look at this account it states that my late activity was in XXXX. How can I have any activity in XXXX when the account has been closed since XXXX? Transunion has no payment history. XXXX has been charged off since XX/XX/XXXX. XXXX has been been charged off since XX/XX/XXXX. Nothing makes sense and I haven't heard from anyone about my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Capital Services is reporting a balance and changed " included in chapter XXXX '' To seriously past due Sent to Attorney. 

This account was included in my discharged chapter XXXX bankruptcy filed this XX/XX/2021.
Product: Debt collection

On XX/XX/2018 I filled a written dispute with ( NCC ) business services. Although the apartment complex refused to validate the debt, NCC refused to remove the debt after speaking to numerous rude managers and supervisors. I was denied an opportunity to file a complaint over the issue and told to file with FTC or whatever other complaint I needed to when I asserted the fair debt collection practices of the ( 30 ) day investigative period. In fact, the collectors argued their investigative practices included making a certain number of attempts, rather than a specific time frame or the one consistent with the fair debt collection practices. They claimed expertise by title but couldn't provide information regarding the proper dispute process, or my rights.
Product: Consumer Loan

Santander is reporting as if the loan is open and new this account has been closed since XX/XX/XXXX. The is falsified reporting on my credit that 's against the law. It report balance of XXXX as of XXXX/XXXX/XXXX. XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

FIrst source advantage has repeatedly called me about an " important business matter '' concerning someone who is not me. I have told them that I am not the person they are looking for and to stop calling me. They have not stopped calling and have called my work several times as well.
XX/XX/XXXX - 4 calls to cell phone ( XXXX, XXXX  XXXX, XXXX ), 1 call to work phone XX/XX/XXXX- 4 calls to cell phone ( XXXX, XXXX, XXXX, XXXX ) 1 call to work phone, also called my place of employments main number and demanded that the secretary give me a message
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from. I have reached out to the FTC and my local police. Im doing this on my own behalf. Please remove them as well XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My account at Chase was hacked for XXXX in withdrawal fraud. the monies were taken out with my debit card number and pin. I had the card and have never withdrawn on the account. When Chase sent me a new card more money was taken out before I had the card. 
I have not withdrawn on this account as it was a gift from my late father. Chase has only agreed to cover XXXX of the toal, claiming the remaining balance taken out was not fraud. It was the same pattern of XXXX taken out each time in a suburb of XXXX. I live in Florida. Chase will not send me the additional monies owed me. 

I am not trying to defraud Chase I just want them to reimburse me for a fraud they never even told me about unitl over XXXX was taken out. 
I am so frustrated. Please help
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my account which violates the Fair Credit Reporting Act ( FCRA ). The accounts that are reporting inaccurate information are listed below : XXXX XXXXXXXX : Account XXXX XXXX : This account was reported as a charge-off, and it is negatively affecting my score. The reporting of this account is incorrect, as I still see a past-due balance after it was charged off. There should not be a past-due balance if the account is sold off. Also, why is it being reported as a charge-off every month? A charge-off is a one-time event, and it is improper for Equifax to keep reporting it for consecutive months as this artificially extends the negative impact on my credit report. That is a violation. I would like immediate removal of this account. 

XXXX XXXXXXXX : Account XXXX XXXX : This account was reported as a charge-off, and it is negatively affecting my score. The reporting of this account is incorrect, as I still see a past-due balance after it was charged off. There should not be a past-due balance if the account is sold off. Also, why is it being reported as a charge-off every month? A charge-off is a one-time event, and it is improper for Equifax to keep reporting it for consecutive months as this artificially extends the negative impact on my credit report. That is a violation. I would like immediate removal of this account.
Product: Student loan

On XX/XX/2021, I filed a complaint that LendKey had not applied my XX/XX/2021 payment on that date but instead applied my payment 27 DAYS LATER on XX/XX/2021. On XX/XX/2021, LendKey responded to that complaint stating they had updated the payment date to reflect XX/XX/2021 and also applied the corresponding interest adjustments according to the earlier posting date. They also stated they would review the loan post-processing to verify the adjustments processed correctly. As of XX/XX/2021, NONE of these adjustments have been corrected. The INCORRECT payment date of XX/XX/2021 still remains, and no interest adjustments have been made.
Product: Debt collection

I was served lawsuit papers in XXXX regarding a loan that I've been making payments on. Loan company has been deducting lawyer fees from the payments and the attorney that's representing the loan company has sent me invalid debt due amounts twice. I've requested debt validation letter which should show my full debt including payments that I've made, interest accrued and the fees that's being deducted from my payments but they either cant prove the amount or dont want to send me the information. As of now, I have not received a judgment from the courts, clerk of court says I have no judgment because the attorney has not taken any further actions, but they are also charging me court cost. I've spoken to the district and regional manager regarding this and everyone is giving different information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XX/XX/XXXX placed my credit score at XXXX. 

On XX/XX/XXXX Equifax placed my credit score at XXXX I inquired with Equifax about the lowering of my credit score ; and no response as of XX/XX/XXXX. 

Equifax is only showing a 12 point drop since XX/XX/XXXX. 

There has not been any changes in credit status negative that would have impact on such a derogatory factor
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance XXXX {$4600.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$860.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

failure to provide proof of late payments, was already removed from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there is/ no reason for/my credit score to decrease. All accouts are/up to date, payments on time and paid and debt to income has decreased. As usual in my opinion another examoke of uneotness and deliberate fraud to keep/my credit score low! 
Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness. ell that to my bank who I am trying ti refinace with to rid myself of evikls kike you! 

XXXX XXXX Poor Fair 580 - 669 Good Very Good Exce
Product: Credit reporting or other personal consumer reports

I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did on account Account : XXXX Account # XXXX. I have inaccurate dates for my open date, last reported, last active, and last payment. Under the fair credit reporting act, convergence of this account has violated my rights. Another law they violated is XXXX XXXX Code XXXX ( XXXX ) A ( i ) I know the law and experience and transactions are not supposed to be put on consumer reports, these disputed items must be deleted from my credit record within 30 days. I want all repos and late payments deleted from my account because it is not XXXX percent accurate, You have listed multiple dates.
Product: Money transfer, virtual currency, or money service

My PayPal account can not be linked to the bank and withdraw cash. I have called the PayPal customer service representatives many times, but the problem has not been resolved. Please " CFBP '' help me! thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.