23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last year, I attended a virtual timeshare presentation for a product offered by XXXX  XXXX XXXXXXXX XXXX XXXX After agreeing to try the product, I realized within the first day that it was not what had been promised. I immediately contacted the company by email to cancel the agreement, but no one responded. The following Monday, I called their office and was directed to their financial company. When I contacted the financial company, they redirected me back to Hawaii XXXX XXXXXXXX XXXX XXXX 

Seeking resolution, I consulted my attorney, who advised me to send a certified letter formally requesting cancellation. I sent the letter, but it was returned unopened. I then sent another letter without certification to avoid it being returned. Despite this, I received no response.

I escalated the issue by filing a formal complaint with the South Carolina Department of Consumer Affairs, which accepted my case and assigned it a case number ( Case Number : XXXX ). My attorney also contacted the Adjutant Generals for Consumer Affairs in Hawaii and California, but both referred the matter back to South Carolina. 

In the meantime, Hawaii XXXX XXXX XXXX  XXXX, through XXXX XXXX XXXX, reported this disputed account on my credit report in XXXX of last yearwithout providing me with any statements or prior notice. This action has negatively impacted my credit, despite my consistent efforts to resolve the matter throughout the year. 

Recently, after posting reviews on XXXX XXXX XXXX XXXX page and the XXXX XXXX XXXX XXXX XXXX page, I received a response stating that I have been the victim of a scam and that the company is not legitimate. This acknowledgment of fraudulent activity aligns with my experience and confirms that I have been exploited. 

I have submitted multiple disputes to the credit bureaus regarding this fraudulent account, but all have been denied or unresolved. I am now filing this statement as part of my efforts to remove this illegitimate account from my credit report and seek justice for the harm caused by this scam. This account has severely impacted my otherwise perfect credit history. Despite my repeated disputes with the credit bureaus, the account remains unresolved. 

I also recently discovered that my identity has been stolen, resulting in significant fraudulent activity affecting both my finances and credit history. Earlier this year, my XXXX account was hacked, leading to an account takeover. It appears the hackers created fraudulent checks, totaling nearly {$100000.00}, which were submitted to my bank. Thankfully, my bank detected the fraud in XXXX, apprehended the checks, and helped me shut down the compromised accounts. New accounts have since been opened, and additional security measures have been implemented. 

Due to this QuickBooks issue and the recent notice that Hawaii XXXX XXXX XXXX XXXX XXXX also be fraudulent scammers, I submitted an identity theft report with the FTC after making a police report as well. My reference number is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXXXXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$780.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX CARD XXXX XXXX XXXXXXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

Back in XX/XX/XXXX I had boughten a {$2400.00} gaming pc for my son but unfortunately had to return it due to a family death we unexpectedly had. I started a return and sent it back fully in tact as it was not even opened at all and went to XXXX dropped it off and got my drop off package and assumed everything was good as I've made returns in the past and never had an issue. A few weeks had passed and my pc wouldn't update on the ups website so I called XXXX and La Curacao immediately and let them know about the issue. They gave it a week and made an investigation which had resulted in the pc being labeled as a lost package and I was advised i would be receiving a full refund to my store credit card. I assumed all was good until I was randomly charged {$2400.00} the next month from La Curacao stating that I still owed them the pc and when asking them about the investigation details and refund emails they had previously sent, they ignore me and claim that a new investigation was made and details can not be disclosed to me but they still want me to pay the {$2400.00} and late fees and interest has accrued as I have not paid for it. I never in my life had credit issues but due to this, I dropped from an XXXX to a XXXX as they are reporting late payments and ignore me via email and never answer my calls as their supervisor is never their or busy which is a blatant lie. It is now XX/XX/XXXX and I'm still dealing with this issue and disputing via XXXX.
Product: Debt collection

XX/XX/2023, I was several months behind paying the minimum payment for a credit card with XXXX. 
I had verbally attempted to discuss repayment with overseas represenatives in other countries, difficult to communicate, but after receiveing several letters about insufficient payments, and threats, and offers to resolve, there was never a resolve. Only and always asked for monies I didnt have to bring it current etc. 
The account had to defaullt for non-payment for 6 months before anyone with XXXX was willing to negotiate. 
In XX/XX/2023, I though I had reached a deal for repayment, but never received the offer in writing, and all my calls after this were rejected. 
Come to find out the sent the debt to Gurstel Law Firm. P.C. I immediatley attempted to communicate with this company, but they never responded to email attempts for nearly 2 months. 
I drafted a letted and sent it to them, but just kept getting responses to call this number to make an offer. Call here to make a payment. 
I used the Fair Debt Collection Practices Act to verify the collection information. They have persistently refused to comply, or send all the verification information I requested. 
They ignored my requests XXXX separate times, and made a mockery of the law. XXXX A XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are using " Bullying Tactics '' instead of responding and verifying the details of the claim as requested, but have repeatedly showed calloused disregard to the laws and need to confirm ALL aspects of this debt.
Product: Credit card

've consistently maintained on-time payments for this account, avoiding any instances of overdue payments. I'm uncertain about the reasons for the late payment remarks reported on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made accordingly.
Product: Debt collection

I received a call from this number, XXXX, and as soon as I answered the phone they hung up. I called the number back and asked if someone called my phone and was asked was I my name. I said yes and the person on the phone said unclearly that they were RPM a company based in XXXX, WA and that this was a business call. I asked a business call pertaining to what. We are a debt collector. They said my address to me without the zip code and I said yes. I asked who are you and if I owe a debt mail me proof of the debt. The person asked me to verify my zip code and I responded with you have my address and zip on file. The person hung up the phone on me. I called back more than XXXX times and was hung up on each time. I spoke with a supervisor who also hung up the phone and would not disclose any information about the debt if one even exists. I called again and was told the company 's name is Receivables Performance Management. I XXXX this information and their address is XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX. This company 's other phone numbers XXXX and XXXX, which the last number I have seen on the caller ID many times.
Product: Credit card

I applied for a credit card with Chase bank. Upon completing the application and seeing the credit based offer, I immediately decided against opening the account. I stopped the application but was not given the option to decline the offer. The account was opened anyway without my knowledge. I called and canceled the account as soon as I realized it was opened, but the account is still going to show up on my credit report as an open account for at least a month and a closed account for up to 7 years. I want nothing to do with Chase bank at this time and its concerning that customers do not have the chance to decline an offer of credit once extended.
Product: Student loan

I was told MULTIPLE times by the company that my student loan payments would still count toward PSLF if i paid in deferment so I did not have to do the paperwork. I continued to pay and then was randomly told that this was not true. This is a wildly deceptive practice to keep students in repayment and collect money in a deceptive manner. I have requested copies of my phone calls where this information was stated and never received it. Now I have continuously ( XXXX times ) requested deferment be removed from my account and have not received it. This continues to be an issue and I have NO way of fixing this. I was told I was in deferment, then received a late payment notice, then was told I was not in deferment and then was told I was in a secure message. This is literally insane how communication is being broken down and how hard it is as a student to try and understand how to help ourselves without ANY support from MOHELA.
Product: Debt collection

My complaint is against Portfolio Recovery Associates, LLC- As of XX/XX/XXXX my employer was served a garnishment letter on that date. I was never aware of Portfolio Recovery Associates was granted a judgement on XX/XX/XXXX. So as forth I submitted to the court for a motion and order to set aside Default Judgement, on this date of XX/XX/XXXX which I was given a court appearance to explain to the court that Portfolio Recovery Associates did not have any documents to prove that I had a contract with them. As of XXXX XXXX I appeared to inform Judge XXXX XXXX XXXX, that Portfolio Recovery did not inform of any legal matters which includes Garnishment against me which is causing me hardship now. Since they were awarded to keep the judgement by the judge, which denied my motion as of XX/XX/XXXX. I have been battling this situation with Portfolio Recovery Associates, because I know they can't produce any Contract that with me ; or validation.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i receive a copy of my credit report # XXXX dated XX/XX/XXXX, this report comes with a lot of account that they do not belong to me and i want them to be deleted from my credit report this account are as follows : XXXX XXXX XXXX # XXXX for {$XXXX} mark as charge off, XXXX XXXX XXXX # XXXX for {$XXXX} mark as charge off, XXXX Funding partial acct # XXXX for {$XXXX} mark as collection, XXXX XXXX XXXX # XXXX for {$XXXX} mark as charge off. Me personally call all of them over the phone and they confirm that i do not have any account with them this call was made on XX/XX/XXXX. This only confirm that Experian is not doing their job, and they are just reporting automatically what they have in their system, and they are not conducting any investigation according to the laws, this is why CFPB is suing them for the same exact reason. 

I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer dispute information. 

As you be aware, the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of non-compliance and negligence, which directly undermines the integrity of the dispute process.
Product: Money transfer, virtual currency, or money service

I got scam on Venmo And venmo put my account into nagetive.
Product: Credit reporting or other personal consumer reports

I am rewriting to formally resubmit the complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Checking or savings account

So on XXXX ( XX/XX/XXXX ) between XXXX I went to the drive Thru at Bank of America XXXX XXXX XXXX XXXX Texas, XXXX. 

I made a deposit. The exact amount is {$3300.00}. 
This amount is intended to pay my tuition online ( I am a XXXX XXXX ). 

So I made the deposit, everything went smoothly then I was asked the usual question ( Are you done? Do you wish to make another deposit? ). After confirming everything, the drive Thru machine took at least 5-7 minutes processing before telling me that the transaction was cancelled. I received my debit card back but not my money. 

I called the bank and they are telling me to wait 10 business days and if they didn't solve it bu this date, they will issue a provisional credit. 

I can't wait this long, I need to pay for my tuition now as we are speaking. 

I also don't want to be issued a " provisional credit '' on my own money. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all three credit bureaus via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social security card to prove my identity. I then looked at my credit report on XX/XX/XXXX just to see have changes been mad to my correct my personal information. XXXX XXXX and XXXX failed to make any changes to my consumer reports. I then tried again on XX/XX/XXXX sent another certified letter to get my information correct but all three credit bureaus still failed to correct my information. My name and is reporting wrong and XXXX like my information completely immediately. I am afraid I maybe a victim of identity theft because so many different names and addresses on my credit report. I hope this process will be successful and not continue to violate my consumer rights.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My XXXX XXXX was hacked. I notified Wells Fargo withing hours and on the same day this was happening..I asked them to stop a fraudulent wire transfer wich I was told over the phone it was still pending.. They ignored my plea and allowed said transfer to continue. I would like Wells Fargo to disclose the phone call I had with them that evening. All the evidence is in there..
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem.
Product: Credit card

I received this message : From : Comenity Bank Sent : Sunday, XX/XX/year>, XXXX XXXX XXXX XXXX ) To : You Subject : Important Information From Comenity Message ID : XXXX Below you will find important documentation. Please review and if you have any questions you may respond directly to this email. View Document ( Attached ). Thank You, Customer Care. 

My XX/XX/year> XXXX is attached. 

** Unexpected Annual Interest Rate changes from 29.49 % to 35.99 % in XX/XX/year> ** Late Fee is {$41.00} ** The late fee at {$41.00}. This is non-compliant with the CFPB ban on excessive fees on credit cards from {$32.00} down to {$8.00}. ( Attached ) There is also a paper billing statement fee of {$2.00} for a balance over {$3.00}. How is this charge legal?
Product: Credit card or prepaid card

OnXX/XX/XXXX I found a fraudulent charge on my statement. The charge was for {$120.00} made on my B & T card charged onXX/XX/XXXX and posted on XX/XX/XXXX I reported the fraudulent charge by calling XXXX My funds were not returned immediately as proscribed by law regarding fraud while an investigation was taking place. When I received the BB & T denial letter onXX/XX/XXXX I called the number provided XXXX and referenced case # ( see attached ) and was told that my claim was denied because I did not report the fraud within 30 days, which is completely contrary to what was stated in the denial letter. As I read the Federal Fair Banking and Credit act section Z it seems there is no statute of limitations on credit card fraud, only that it be reported in a timely manner. I reported the fraud as soon as it came to my attention and I became aware of it. It seems to me BB & T purposely misfiled my claim as a dispute so that they would not have to return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 disputes through XXXX asking them to require documentation from Aid-vantage other than the breakdown of late payments because during the time they are saying the loans were late they were supposed to be in repayment. I have the applications I made from the studentaid.gov website and the breakdown where it shows that the loans were under repayment and forgiveness. XXXX failed to provide documentation and rules that what Aid-vantage is saying is correct although before my loans were transferred to them I did not have any late payments. When I asked XXXX why they didn't provide documentation they stated that it is not their job to investigate they only take a statement from the company that says what I am disputing is correct. They base their investigation on he said she said instead of factual evidence.
Product: Debt collection

First of all, I am on the Do Not Call registry. 

" Balanced Healthcare Receivables LLC '' called, their number is XXXX, and they left a voicemail saying they are attempting to collect a debt for " XXXX XXXX and to call XXXX to collect the debt. 
( Actually, XXXX XXXX should be XXXX not XXXX ) Just to be sure, I checked XXXX and confirmed I have no debts in collection.