23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX I received mail from United Collection alleging a debt being owed. I responded back to them on XX/XX/XXXX disputing the alleged debt and requesting proof of their claim specifically a contract with all parties ' signatures in accordance with the fair debt collection, however XXXX  responded back to my dispute and failed to provide me with any valid form of debt validation and then proceeded to place the fraudulent debt on to my consumer report. Furthermore, they marked the debt as disputed and meets FRCA requirements when it does not meet the criteria. These companies illegally attempt to collect a debt that is not owed and fail to provide me with legal proof. I have attached all documentation and my communication to them and their response which lacks the legal requirement.
Product: Checking or savings account

I recieced an email from Bank of America regarding how to set up online access for my account. Also received another email about being denied a credit card. 

I did not apply for either a checking account or credit card with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to update credit reporting. Ive requested to have the past due reporting updated to current and never late for my XXXX XXXX account opened XX/XX/2017. They have failed to report accurate information and have violated my consumer rights according to the FCRA.
Product: Credit card or prepaid card

I have tried to use my card several times in XXXX XXXX ny, while staying with my daughter during the pandembic, ilive in XXXX, each time I used the card I was turned downed. I called the bank they tried to help but did very little for me I called the # on the back of the card they weren't any better. often they refused to help me.the security dept refused to help me as well .I pay my bill on time I also pay more than required.i need helpthe security dept never ask me important questions, they just say they cant help me well then who can help me also the security dept gave me another # to call they toorefused to help me. this has been going on for well over 2 months.i don't have the dates because many times my daughter ended up using her card, i never wrote the datesthat iused the card down on paper. I was so upset that I just thought it was a minor mistake on my part, but thisproblem started after XX/XX/XXXX and no has helped me I feel like they think iam not the card holder please help iam so embarrassed in front of all my family
Product: Credit card or prepaid card

Purchased a mattress through Costco online and was delivered to my home on XX/XX/XXXX. We ended up returning the mattress and a Costco moving company picked mattress up from our house on XX/XX/XXXX. I was promised last Tuesday my refund would be issued within 3-5 business days. Still waiting on a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT. 

UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX XX/XX/XXXX XXXX I APPLIED AND WAS APPROVED FOR XXXX ON XX/XX/XXXX BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ON XX/XX/XXXX WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized soft inquiries for online promotions. I never authorized these and Im not associated with any of these companies. 

XX/XX/2020-> COMENITYCAPITAL/XXXXXX/XX/2020-> XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 -> COMENITYCAPITAL/XXXX
Product: Checking or savings account

Hello- I opened a My Community Interest Checking Account w/NYCB ( New York Community Bank ) on XX/XX/23. 

They had a {$350.00} promotion regarding direct deposit ( {$500.00} or more ) and a daily average balance of {$500.00} over the first 90 days. I have met all the terms and the promotion period has passed. 

I called regarding the bonus and was told by corporate to contact the branch. When I contacted the branch they told me that there was no promo code attached to the account. I have a screenshot of the promotion on the bankers desk in-branch when I opened the account. 

I have never encountered this type of dodging before and would appreciate any help in being credited what I have rightfully earned. 

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

On XXXX, 2020 XXXX XXXX paid me {$500.00} on Venmo , bringing my balance to {$530.00}. Earlier that day I had to delete my checking account linked to the platform with XXXX as it had been compromised. I learned that Venmo froze my account and would not allow me to add my new checking account to transfer the money out of. I sent my drivers license in as the email requested. talked to numerous customer service agents through chat ( phone help in unavailable ) All promising my account would be unfrozen in 7-10 days. We are going on three weeks. I demand that Venmo unfreeze my account, allow me to add my new checking account and allow me to transfer my remaining {$530.00} out of the Venmo account. Thank you
Product: Student loan

Three times Navient has put me into Administrative Forbearance. I am enrolled in Auto payment so the money is taken directly out of my account and the payment is drawn from these accounts. I am also making payments on my children 's loans through XXXX XXXX College and XXXX XXXX University which is also being affected. Not only am I being charged interest for back pay but my credit score is being lowered because of delinquent pay which is not my doing. I am hoping for some help so this does not continue to happen.I am living paycheck to paycheck and ca n't afford to have interest added for things that have happened Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX  XXXX : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s 2 ( A ) ( 1 ) A person shall 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 apply for Capital One credit card and Capital One denied to open a credit card because it says I have a revolving account with delinquent credit but it never sends you or explains anything when I apply for a credit card is denied and it appears old information reappears and never goes away. Also XXXX XXXX the debts reappear and never goes away the charge my insurance and the patients after they have already pay. XXXX XXXX XXXX XXXX ) medical debts that are never taken away. 
My problem is medical debts that never go away even though you pay and credit card opening.
Product: Student loan

I 've noticed that student loan repayments made on line by myself are immediately deducted from my checking account in real time - yet these monies in real time transferred to the lender often are not processed toward my loan for 3 whole days resulting in the accumulation of additional interest for these 3 days. Will that change as the " End Of Early Paydays '' will on XXXX, XXXX resulting in the immediate processing of my loan payment in real time?
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reports the following accounts as verified and updated. While still inaccurately reports multiple inaccuracies a violation of FCRA rules. 

( XXXX XXXX  ) currently reports inaccurate last date of activity and payment date a violation ( XXXX ) Unverifiable account a violation. 

( XXXX XXXX  XXXX ) knowingly reporting inaccurate account balance. A violation. 

XXXX XXXX  XXXX/ XXXX  XXXX XXXX/ original creditor XXXX XXXX XXXX  XXXX. Reporting account which seems to be unverifiable, and can not be validated. But still reports as verified and updated.
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

I went to Carmax on XX/XX/XXXX and purchased a 2010 XXXX XXXX. The car came with a 90 day warranty, and the engine failed literally on the 91th day. Since the summer of XXXX, this car has been parked in my driveway undriveable since it needs a whole new engine. 

Regardless of the engine failure, I have always made my payments every single month. Approximately in XXXX of XXXX, my credit union XXXX XXXX merged with XXXX  XXXX XXXX XXXX, and it caused some problems with the routing # and account #. I was assured by the bank that I could continue to use my same account numbers to make my payments, as I had been for the entire year before. So every month I'd call CARMAX and make a payment over the phone using the same information I've been using. Well due to the merger, my payment was rejected for the month of XXXX, leading to a late payment in XXXX of XXXX. I was never notified by CARMAX of this. By the time I realized what was going on, this account was going on 60 days late and the only reason I found out was because I received a XXXX letter from Carmax. After speaking with Carmax they stated they tried to call me, but the phone number they called was entirely incorrect, it was not even close to my number. I've had the same number for 25 years, so it was not due to me changing my number and not notifying them, they simply had a wrong number and it was not my fault. As soon as I found out about this, the account was brought current. Since then, I only walk into CARMAX and make a payment physically to avoid this from happening.
Product: Money transfer, virtual currency, or money service

I forgot to log out of my bank app. The XXXX XXXX, which is offered through my bank, opened while the phone was in my pocket. Unbeknown to me, {$400.00} of my money was transferred to an unknown person through the XXXX XXXX. I had previously used the app to transfer money so I had an active account. I did not authorized this transaction. When I found out what was happening, it was too late to cancel the transaction. I reached out to the person several times through the phone number on file but they did not answer, nor did they return my calls. I immediately file a claim with my bank as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX to settle a charged off XXXX XXXX credit card account. They informed me I had to call United Collection Bureau as they were handing the account. On XX/XX/XXXX I called United Collection Bureau to settle the XXXX XXXX credit card charged off account. The balance owed was {$3200.00}. I was offered a settlement of a one time payment for {$1700.00}. I accepted the settlement offer and made my payment directly over the phone for {$1700.00} on XX/XX/XXXX. I received a verification letter to my email from United Collection Bureau before I was off of the phone call. On XX/XX/XXXX XXXX reported a payment of {$1700.00} with a balance of {$1400.00} remaining. I disputed this with XXXX on XX/XX/XXXX. I provided the settlement verification letter. This letter includes the account information, original amount owed, the settlement offer, stated that United Credit Bureau was granted the authority to do this and will report it to my creditor, and payment confirmation. OnXX/XX/XXXXwill remain on my credit report as XXXX certified to XXXX the information was accurate and the item was not changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

add : XXXX XXXX XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
Product: Credit reporting or other personal consumer reports

On my transunion credit report these unauthorized hard credit hit on my report. 

XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Financial ) XX/XX/XXXX, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( miscellaneous ) XXXX XXXX XXXX XXXX XXXX ( Bank )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I contacted Transunion and asked for a consumer investigation of the two accounts on my consumer credit report. I questioned the accuracy of dates, amount, missing information. I asked for Transunion to validate XXXX and USDEPT Ed XXXX and provide all documentation to me concerning the above accounts. 
( Signature, information, payment history ). 

Additionally, I want the names, dates, phone numbers of who TRANSUNION spoke to concerning my account. Transunion sends responses stating they verified the account with the data furnisher. The law states that an investigative report is completed by completing the items below. ( Conducting personal interviews neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted. ) The law states the information should not be obtained from the creditor of the consumer. I have included the law within this report, so not only did Transunion not provide the requested documentation as requested, but they did also not conduct a proper investigation per USC 15 1681a ( e ).

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- According to 15 U.S. Code 1681- Congressional findings and statement of purpose Investigative consumer report from 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The FDCPA provides debtors with a means for challenging payoff demands, and for determining the validity and accuracy of asserted debts. 15 U.S.C. 1692g. Perhaps more importantly, however, the FDCPA establishes ethical guidelines for the collection of consumer debts
Product: Money transfer, virtual currency, or money service

I contacted another student about buying football tickets from them. We agreed upon {$20.00} per ticket. When I used zelle to send them the {$40.00} I owed, they told me it was not enough and did not agree to {$20.00} even though I have messages to prove they agreed. Their phone number has been disconnected and they have refused to return my money.
Product: Credit card

I applied for a Capital One XXXX XXXX card. The website terms offer a bonus of XXXX miles for a minimum of {$500.00} in spend in the first 3 months within opening. I met the terms and was then informed that the bonus, as marketed in clear language on the card 's associated website and upon application submission, is variably adjusted and awarded, based on the consumer 's credit score. 

In my case, they claim that their system determined that I would not qualify for any bonus at all *after* my application was submitted and approved. This is supposedly a part of their terms ( i.e. buried in their voluminous legalese ) but, as far as I'm concerned, the bonus offer constitutes a form of deceptive marketing intended to induce a customer into applying for a credit card under false pretenses. 

I have also been a customer of both XXXX and XXXX XXXX and both banks will clearly communicate to the customer when and why a bonus offer will not be applicable before final submission of a credit card application.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries that i never authorized to run my credit and some are on there multiple times. The Inquirer and Dates are as follows : Name : Date : XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX? XXXX 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: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe this restriction is a result of a misunderstanding, as I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Maintaining a positive and trusted relationship with PayPal is important to me as a long-standing user. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough review of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your consideration. I look forward to your prompt response and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that XXXX remove XXXXXXXX XXXX XXXX XXXXXXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for car said was going to run XXXX and ran all these inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by this company repeatedly from this company. I received XXXX but it was done incorrectly by a Dr. that was not suppose to be doing these procedures. I had to get a real doctor to fix my XXXX. The company closed soon after and the lifetime warranty was not respected. The company was a fraud. I am not paying for the torture and debt that this company put me through. The pain and money it cost for me to fix my XXXX. I could have went XXXX  due to this company.
Product: Credit reporting or other personal consumer reports

XXXX points on credit report from Equifax, for balance increase ( still within 10 % of the limit, so excellent ), a balance decrease, and a new account opened. How does this become a XXXX points in the credit report?!
Product: Credit reporting or other personal consumer reports

The authorized user account associated with discover was added again to my credit report without my permission and I need it deleted immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 & XX/XX/2023 XXXX ran two hard inquiry on my personal credit report with Transunion. The account that I was opening was for my business. I provided my business 's XXXX number. The inquires should not have been run on my personal credit file, only on my business.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.