23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt reporting company place this collection on my record years ago despite notification that it was not a valid debt. They have now updated it again to look like a current debt. This from 2012 and is the result of an accounting error between XXXX and XXXX when they changed over accounts during the transition from a sale of their business. I have disputed this repeatedly with this company. Is n't there some law that keeps them from reporting a debt like it is new to create a maximum destructive impact on your credit rating? Do n't they have to report the truth?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not delete a Medical Collection that has been paid to the Original Creditor ( see attached pdfs ), in which XXXX has been notified and the tradeline disputed numerous times, the Original Creditor has been notified, and the XXXX XXXX has been notified. This is in direct violation of HIPAA as the XXXX XXXX has no need for my information or to be reporting a Collection now that the Original Creditor was paid in full. This is now also in violation of the new rule that unpaid Medical Collections of less than {$500.00} will not be reported on Credit Reports starting XX/XX/, 2023. This needs to be deleted immediately and all parties fined and also they need to compensate me for all my time and effort in fighting this tradeline that should have been deleted months and months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  XXXX XXXX ending in XXXX, and XXXX  XXXX XXXX  ending XXXX, and XXXX XXXX XXXX XXXX  ending in XXXX, has violated my rights below under the fair credit reporting act laws below. 

.15 u.s.c 1681 section 602 A. States I have the right to privacy. Also 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructins. Also .15 u.s.c 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

I was attempting to sell an item on XXXX XXXX, and was contacted by a buyer ( XXXX XXXX ) on XXXX XXXX on XX/XX/XXXX. He sent me {$220.00} through Zelle for the item. I got an error that said my account has been limited and not a business account so the money couldn't be credited and I had to send the buyer {$200.00}. The email address he provided was XXXX and the Zelle alias used was XXXX XXXX. The " buyer '' asked for screenshots of my transactions. He repeatedly tried to call me using XXXX XXXX. I did not answer these calls, as I was at work. I was told I needed to send him {$300.00} extra to further verify my account which I did. 

Then, I was asked to send {$500.00} MORE, to another email address : XXXX. I did not send this amount. I blocked the seller from sending any further messages. 

I called XXXX that day ( XX/XX/XXXX ) to report the scam. They told me they could not do anything until the money was actually deducted from my account. I called back on XX/XX/XXXX, after the money had left my account, and formally filed a dispute. 

I also filed a police report with the XXXX County Police Department, and a complaint with the FBI XXXX XXXX XXXX XXXX. 

I received a letter from XXXX, dated XX/XX/XXXX saying that my dispute has been denied. 

I believe I am protected by the Electronic Fund Transfer Act. In XX/XX/XXXX, the Consumer Financial Protection Bureau clarified its position on banks ' required compliance with the Electronic Fund Transfer Act XXXX XXXX also known as Regulation E. The CFPB says that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking " access device. ''
Product: Credit reporting or other personal consumer reports

agency in violation due to lack of investigations on following accounts This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Product: Money transfer, virtual currency, or money service

I used PayPal to send money to a merchant offering music services online. I sent this merchant {$750.00} and he never contacted me or did any music business with me. I contacted the merchant several times and was eventually told by a friend of his that he was XXXX  and could not provide the music I paid for. I told her ( the friend ) I needed a refund since I never received what I paid for. She sent me back {$30.00} and stopped responding to me. I contacted PayPal & they refused to credit my account even I never received what I paid for. And this merchant is a business customer of PayPal
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/20 I contacted XXXX XXXX to enroll in their program to transition my balance to an installment loan. The Covid 19 pandemic made it impossible to pay the entire balance off, due to my business being temporarily closed. The agreement that was made stated that the balance would be paid over 3 years at {$440.00} per  month. This amount includes an agreed upon interest rate that is according to the fair market conditions. I specifically asked if this would be reflected in my credit report and was told that the payments and balance would reflect on my report ( s ). 
On XX/XX/20 I applied for a rental lease agreement and was denied specifically for a large collection account from XXXX XXXX. Unbeknownst to me XXXX XXXX had turned my account into a collection and not applied the two payments I had made according to the new agreement. 
XXXX XXXX is charging off my account and then accepting payments on the balance with interest, and NOT reporting this to my reports. This is fraud in my opinion. Please investigate this, I am in dire need of help. I can not rent with this on my report and my be homeless in 6 weeks. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report should not include information solely regarding transactions or experiences ( payment history, charge-off status ) between the consumer ( myself ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that a person ( XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, Experian and XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a XXXX debt. This is considered a certificate of indebtedness per the IRS, and income can not be reported. The IRS defines a charge-off as Gross or Ordinary income, which is not reported on the consumer report, making the reporting of this account inaccurate. This is unsatisfactory! 

XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX 's terms and conditions, they agreed not to share my information with non-affiliates. XXXX, Experian and XXXX are not affiliates of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB, and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy, and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I, the consumer, may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.
Product: Checking or savings account

On XX/XX/2020 I made a counter deposit from a check for the amount of {$3000.00} to Bank of America. The teller gave me a receipt and told me the funds would be available on XXXX XX/XX/2020 she gave me {$220.00} back in cash and made a deposit of {$2800.00}. As of today XX/XX/2020 the funds Remain unavailable and when I visited a branch to inquire they told me The check was on hold until the XXXX Of XX/XX/2020 because it was a larger amount than what I usually deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to follow up the previous complaint I submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX to remove some of the Personal Information, Accounts and Inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Under the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX 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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022, with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently spoke with XXXX XXXX from Equifax. I contacted him about the letters I sent in and the police report I filed due to the hard inquiries on my consumer report. He violated my right by using obscene and profane language towards me. 15 USC 1692d. He belittled me and would not help me. I asked for a supervisor but he would not transfer to one. I then get a letter stating that all the inquiries are verified. I am hoping XXXX from Equifax didnt update my consumer report because of the call. He willfully and wrongfully didnt that which is affecting my way of living. I can get a vehicle right now because of this unresolved issue that I have sent certified mail about. I have attached the call voice memo. I also let him know the call is being recorded. All I wanted was those 11 hard inquiries removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX high balance ; {$11000.00} Date of last Activity ; XX/XX/XXXX last payment ; XX/XX/XXXX For the past 18months Experian has been reporting a charge off which is inaccurate information on my credit report after I have continuously asked them to investigate. If these numbers are supposed to be the same, if you're getting the same information from the same creditors why are these numbers so vastly different.. another complaint is the fact that they're saying that I made a payment on XX/XX/XXXX I never made a payment so I thought that was strange.. on my credit report it says that I can contact the original creditor..I called XXXX XXXX and they were scared to answer any questions stating they no longer have my account it has been sold to a debt collector that's not even on my credit report.. I contact the collection agency named XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx .... to ask them to verify this debt they stated I owe XXXX neither of the three bureaus are reporting ACCURATE INFORMATION... PLEASE DELETE ACCOUNT ... XXXX also took me to court and the judge dismissed the case I've enclosed documents of the final judgment I don't owe anything.
Product: Debt collection

In XX/XX/2019I recieved a call from XXXX XXXX XXXX stating that I owed a debt. I requested that they send me verification of the debt in question and they did not. They sen t me a bill instead.
Product: Credit card

I received notice that a third party debt collector was trying to collect from me regarding an account thats not listed on my credit report. I was contacted the first time on Tuesday XXXX. I never had any knowledge of the debt. My ex wife was listed as a admin with access and I was primary but none of my contact info matched what Ive had since I divorced even. The debt collector has all of the addresses where statements were mailed when she moved. They have all of the info. I have never seen info on it until now. 
The amount totals XXXX and are offering a settlement of XXXX.
Product: Debt collection

PMAB , LLC has been adding new debt to my credit for over 6 years. They have taken debt off and added new when it has expired over the statue of Limitations. The original debt on the amount of {$780.00} has been disputed and has not been removed -Insurance was sent as proof and nothing has been done about this.

I had insurance to pay for this old ER visit and need this off my credit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized inquiries, that I do not recognize. I contacted the credit bureau to dispute these hard inquiries requested the removal. Unfortunately, the credit bureaus refused to remove them off of my report. This issue is causing undue stress and is negatively impacting my financial being.
Product: Debt collection

Hello, Navient collections department is disrespectful and obscene. I was contacted about a past due debt on XX/XX/19 and was advised that I was roughly one month past due in the about of {$130.00}. I advised that I would make a payment on Friday, but I would like for my grandmother 's number removed from the account due to her being elderly. I also was trying to explain at one point I was told that she would be removed as a co-signer. The representative did not want to listen to me so I requested to speak to a manager. It took 4 times for me to constantly state that I wanted to speak to be transferred to a Supervisor who was just as rude as the representative. Her ID is XXXX and located in Indiana site. She was trying to over talk me as I was trying to explain to her what I was told perviously about removing the phone number. She also belittled me and told me if I paid my bills on time they wouldn't have to contact her in the first place, isn't this a violation of UDAAP. I am currently recovering from XXXX so most of my funds are going toward my current situation. She also told me that there are guidelines that must be met before I can qualify for co-signed removal after degrading me and questioning me about my payment not being up to date. If I am only 1 month past due on my loan repayment and being treated this way, I can only imagine the obscene behavior they are displaying towards individuals that are more delinquent then me. I advised her that I would make payment on this upcoming Friday then she stopped attempting to belittle me, this is not customer service. I also requested that the pull calls from earlier this year when someone told me that the co-signer number would be removed. She advised that if I did not have an exact date they were not going to look through my account to find out when someone told me this after I requested this be done.
Product: Checking or savings account

I submitted a cheque in my Wells Fargo account and they made the funds available for me after a day. I used the funds and then they said that the cheque didnt have the funds. So they took out the money from my account.
Product: Debt collection

I received a letter from Revenue Group to attempt to collect {$35.00} on behalf of XXXX XXXX. The debt is not owed. This is a fraudulent bill from XXXX XXXX. This organization attempted to falsify an email as a medical appointment. As a former XXXX and XXXX the organization is so cheap. Put a dollar on the ground and they will crawl a mile to pick it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I called XXXX XXXX to pay a transfer balance of {$520.00} pay to XXXX 's credit card apparently XXXX XXXX stated that the amount has been paid and the transaction has been completed, but later I got a called from XXXX  's saying that i was late on my payment, so I contacted immediately to XXXX XXXX and asking what happened with the transaction, after I spoke with several managers I have been told that the money was paid to XXXX XXXX XXXX   instead XXXX  's, I also found out that XXXX 's is owned by XXXX  and not by XXXX XXXX XXXX . Mistake was done by XXXX XXXX, XXXX XXXX reported to the credit bureau and it looks horrible in my credit score that iam in collection for not paying the money, I could not refinance my house due to a bad credit and it was denied by refinancing bank.

Please see attached files evidence that XXXX XXXX did not pay on my request to XXXX ' s instead cause tremendous stress a damaged my credit and I have to pay late fees to XXXX  's
Product: Mortgage

after my legal separation from my husband he started to open credit and applied for mortgage in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX pl remove I have disputed by mail with all three credit bureaus. loan # XXXX
Product: Debt collection

Hello I have attempted 4 times to resolve my situation with the credit bureaus. Below I have listed the companies that are trying to collect debt XXXX  : XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank, XXXX  Card, XXXX  XXXX, XXXX XXXXXXXX : XXXX Bank, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, According to Federal Law, the unverified items listed above still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.