23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I realized that my bank account had been garnished by Messerli & Kramer for approx. {$260.00}. Shortly after that I received two letters from XXXX XXXX. One stating that my account was set to be garnished altho the garnishment had already happened and then later one stating that it was illegal for them to garnish this account as the deposits were from my Social Security and VA benefits. At this time I reached out to XXXX XXXX XXXX to see what was going on and if they would settle the account for {$1200.00}. They informed me that a settlement would not be allowed and that I would need to pay the balance in full. They also stated that the account would continue to accrue interest at 4 % per month and that I could not stop them from taking it out of my bank account. 

Currently I am attempting to refinance my home so that I can lower my payments and make my home affordable to live in. During the process of the refinance my lender informed me that there is a judgement from XXXX XXXX XXXX that is preventing me from being able to close on my loan. The processor working with my lender began to reach out to XXXX to get payoff information. After weeks of calling in and not reaching anyone at XXXX she finally got a call back. They informed her that Messerli & Kramer are now handling the account and provided the processor with thier contact information. When she called in to to Messerli & Kramer the collector ( XXXX ) began to provide tons of my non-public personal information to her without my consent. I never signed or authorized them to release this information and according to my processor the information was given at will. My loan officer then called me on a three way with Messerli & Kramer to see if he could assist me with working out some sort of debt settlement. At that time the collections agent ( XXXX ) still did not ask my permission before divulging my personal information. This is a violation of my privacy. 

They pulled funds from my bank account that fall under the exempt rule when garnishing a bank account. I am a retired XXXX Vet that is on SSI and receiving social security. I explained this to the collection agency that I needed to be refunded the exempt funds but they refused to do so. I would like to be refunded the fee garnished from my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

I sent a letter XXXX asking for : Validation of the debtthat is, the actual accounting. 

Verification of a signed invoice. 

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered Equifax, XXXX, & XXXX have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Also according to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, or XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) Account # XXXX XXXX XXXXl Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

Portfolio Recovery Associates is a debt buyer who previously bought an account from the original creditor ; XXXX XXXX XXXX  The account was disputed back in XXXX  with the original creditor due to identity theft. My Information was stolen during the XXXX data breach and it was resolved and removed from my credit but now the debt buyer has reported the account on my report. I have not received any proof of debt which includes the original application of such credit card with my signature.
Product: Credit card or prepaid card

Today XXXX of XX/XX/2022, i called XXXX for Identity theft as an alert was sent. It was not me. that applied to a credit card with Chase Bank. JMCPB CARD was applied by another person, resulting in identity theft. 
I called XXXX they put a fraud alert. I called Chase and was told that department was closed. Need to call again tomorrow for them to also file a fraud complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX, # XXXXXXXX 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
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 ( cfpb ) 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 nor 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 Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have tried several time to get this bogus information off my report and this company has violated and defamed me over and over.
Product: Prepaid card

On or around XX/XX/year> my Bank of America prepaid debit card got stolen out the mail before reaching its destination so after not receiving it around the except time frame. I contacted the sponsor who advised me that my unemployment had been approved and that the payment had already been processed and received by Bank of America but once I contacted Bank of America I was told that I had a balance of {$1.00} when its supposed to be {$13000.00} so I started asking questions about the funds which the representative gave me the list of the 16 transactions to were this is why my account balance is {$1.00} which at that point I had advise the representative that every last transaction was done without my knowledge and consent so she took a recorded statement or whatever and she began to help me dispute each one and had given me the two claim numbers for the 16 unauthorized usage of my prepaid debit card. I supported the claim with indeed direct supporting documents only for them to say claim denied due to card going to the correct address and activated with my credentials when clearly I was XXXX  and I had told them that I was a victim of identity theft and they over looked everything I had said and provided to sustain my claim so now Im here looking for the help that I need to get my funds thats wrightfully is due to me
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 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 XXXXGE XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ARE THE ACCOUNTS IN ERROR:

XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXXSCXXXX XXXX XXXX XXXX XXXX XXXX
Account # XXXX  Date Opened XXXX XXXX XXXX
Balance - XXXX XXXX XXXX XXXX XXXXTXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX  Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX  Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided

XXXX XXXX XXXX
Account # XXXX
Date Opened XXXX XXXX XXXX
Balance XXXX
None Provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of buying a house, and I was checking my credit report and I discovered that two companies that are effecting my credit score in a negative way. These companies are Capital One Bank ( credit card )  which I called on XX/XX/2019 and spoke to customer representative XXXX about removing the account or the negative remarks. She refused to do so because she said she can not prove that the account is mine. Afterwards, I attempted to call XXXX XXXX XXXX ( credit card ) but the number that I found which is XXXX was a scam phone number connected to a sweepstakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX Equifax XXXX When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

For over month citi bank financial websites have been down for my Macys credit card and my best buy credit card. I 'm unable to track my spending, check when my bills or due, or make payments. Not only are there websites down but when I call there are really long waits to talk to someone. I should be able to monitor my activities and keep track of my account at any moment to make sure that I 'm using my cards responsibility. Citi bank is making tracking/monitoring difficult.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card

Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX reported late payments.
Product: Credit reporting or other personal consumer reports

I am filing this complaint as a victim of identity theft and as part of the XXXX data breach, where my personal information was compromised and fraudulently used. Despite notifying XXXX and providing all required documentation to dispute fraudulent accounts, inquiries, and inaccuracies on my credit report, XXXX has failed to comply with federal laws and my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

Violations by XXXX XXXX. Failure to Block and Delete Fraudulent Information ( FCRA, 15 USC 1681c-2 ( a ) ) : Under this provision, XXXX is required to block and permanently delete any fraudulent or inaccurate information from a consumers credit file within four business days of receiving proper documentation. I submitted all necessary proof, including an identity theft affidavit, government-issued identification, and a police report. However, XXXX has failed to remove several unauthorized accounts and inquiries from my report, including : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) 2. Reinsertion of Deleted Information Without Proper Notification ( FCRA, 15 USC 1681i ( a ) ( 5 ) ( B ) ) : XXXX has reinserted previously deleted accounts without providing the legally required notice. This reinsertion not only violates the FCRA but also exacerbates the harm caused by the original inaccuracies. 

3. Failure to Conduct Reasonable Investigations ( FCRA, 15 USC 1681i ( a ) ) : XXXX has repeatedly failed to conduct reasonable investigations into my disputes. Despite receiving detailed documentation proving my identity and the fraudulent nature of the disputed accounts, XXXX continues to report the same inaccurate information. 

4. Noncompliance with CFPB Directives : The Consumer Financial Protection Bureau ( CFPB ) recently sued XXXX for its systemic violations of consumer protection laws, including failure to notify consumers when reinserting deleted information. My experience mirrors the violations detailed in the CFPBs case, further demonstrating XXXX  ongoing disregard for consumer rights. 

Impact of XXXX  Actions XXXX  noncompliance with federal laws has caused significant harm to my financial standing, creditworthiness, and emotional well-being. The presence of inaccurate information has led to unfair treatment from creditors, increased financial stress, and unnecessary delays in resolving my disputes.
Product: Money transfer, virtual currency, or money service

XXXX scam over Coinbase
Product: Debt collection

XXXX this morning a lady called me from XXXX XXXX XXXX XXXX XXXX trying to extort my personal information for her use. I asked her who she was and from what company. She replied her company was called One Advantage LLC and that was trying to collect a debt.
I have no contract with One Advantage LLC., and will like the records to show.
When I did n't contract with her she being yelling and threatening to use my name and social security number because she already have it on file.
I will be contacting the local police department because this company clearly is using my personal information to gain monetary without my knowledge.
please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!
Product: Debt collection

company called after XXXX which violates FDCPA & they sent a text message ( I have snapshots with the time they sent the text message they sent me )
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to learn I have been a victim of Identity theft. I found numerous accounts that were not open by me. This has been hurting me as Im a n the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Thanks in advance for assisting in resolving this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of the debts/ accounts I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. Each of these debts have been disputed and deleted in the past and keeps reappearing on my credit report, being either sold or charged off each time they are disputed. The specific accounts I am disputing have made it to the collections section of my credit report which is heavily damaging my credit score. The credit bureaus have failed me as a consumer by not ensuring that the information being reported by them is identified correctly. I am requesting that once and for all these accounts be deleted from my credit report.
Product: Student loan

Thank you for taking the time to read my letter. I recently pulled my credit report and noticed I have some derogatory terms from Nelnet regarding some student loans I had. I wanted to discuss these late payments and also the ramifications of them. 
I went to school to be a XXXX, because my entire life has been XXXX and that is true to why those late payments were not put into deferment earlier. My mother has struggled with XXXX her whole life and during these times in which I did n't pay my student loan on time, I was struggling with putting her into XXXX in addition to constantly moving. 
Specifically, I want to address, the reasons why I was late in during the time period of XX/XX/XXXX on ... This was the time my mother went to XXXX in Missouri and I was back and forth making sure she was okay. I made a mistake as we all have done in the past, and in fact paid a XXXX group of my loans off, to show the faith I have put into refocusing my attention to my credit and my mistakes. You can see as well that the moment I realized my loans were in collections I applied for a forbearance during these times. 
I want to also look at during the XXXX, XXXX period, I applied for a forbearance on XX/XX/XXXX and then again not even 6 months later but this is n't addressed in my credit report. I want the opportunity to develop a relationship with Nelnet, and be able to trust in you to be the administrator of my student loans. I was XXXX years old when I went to college, my annual income has gone up since then and in fact, I am continuing my education to get my XXXX 's and I want to eventually get my XXXX. 
I understand the mistakes I made when I was young and my life was in turmoil, but as an adult, my credit report is suffering, it says I have only made 88 % of my payments on time, and forces me to pay more for rent, for a security deposit, avoids the ability for me to get a small business loan and develop the company I 've started. It 's created a burden on my life, which I understand will go away after 7 years, but I would like to be considered to remove these late payment charges from my credit report and even pay some of the interest on my student loans. The money I currently pay for a security deposit on a rental could be going to Nelnet ahead of time, however, it has put me in a situation where my credit is n't good enough to afford a car, a home, or a reasonable situation. 
I would love to see this be removed and work towards rebuilding my relationship with Nelnet for the future, rather than destroy my credit and hurt me for something I did when I was young, in a crisis situation and made mistakes. Nelnet presented me the opportunity at XXXX years old to go to school and be a XXXX, I would not have been able to afford that if that was n't a student loan. I am now a XXXX for a XXXX. I want to do the right thing, but I also want to see changes to my credit to support my lifestyle and to support the person I am today.
Product: Debt collection

XXXX/XXXX/XXXX - started calling me at work about a debt that is not owed to XXXX XXXX. Told them to not call me again at this number. Called again today, XXXX/XXXX/XXXX, hung up on them. This bill is for {$470.00} and I do not owe it. A complaint about this billed was filed with the Better Business Bureau in XXXX XXXX. They sold this to a collection agency that is harassing me at work now.
Product: Credit card or prepaid card

On XX/XX/XXXX, I've received what appears to be a targeted email that reads the following : " Whether you are at work or working from home, home schooling or learning online, you have a lot on your plate. We think you deserve a break. So, order a meal for yourself or send one to  someone else. And, when you use your XXXX XXXX XXXX  XXXX XXXX  XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX, from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' The email contained my name and the last 4 digit of the credit card for which the offer is targeted for. I went ahead and completed three purchases with XXXX XXXX  with the card in the month of XXXX as per terms of the promo. And now it's XX/XX/XXXX, more than 110 days have passed after the end of the promotion period, I still have not received the statement credit on my account. The last statement closing was XX/XX/ no nothing. Between XXXX and now, I've called and messaged the credit card issuer multiple times, and each time I was told to wait for the next statement. I called again today, after holding for 20 minutes,  talked to an agent, she acknowledged I was entitled to the statement credit yet was not able to tell me when I'd see it getting posted despite the email says " Statement credits earned will appear on your statement 6-8 weeks after the end of the promotion. '' Thus I'm filing a complaint to expedite this process.