23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN ATTENTION DISPUTE DEPARTMENT : 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 XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I paid full balance on XX/XX/XXXX from checking account to CITI Diamond secured MasterCard. Opened to build credit. I have no credit cards. 

After paying, I Received all verifications validations money received. Verified money out of checking Acct. tried to use card multiple times. Reply Declined.

Finally contacted institution via phone for 52 minutes on hold and transfers. They have account on hold even though they have taken my funds and they used language payment float to justify reasoning. Said we can call my bank to verify the money they have received that is no longer in my account. Ask where my call was routed to : Answer XXXX. 

Ask for American representation : same go around fraudulent attempt to know my banking account information to reverify the funds they have already received. I cant access my fund during a pandemic unemployed period due to fraudulent practices by CITI Diamond secured MasterCard account. 

Do they use my funds during these 12 days I have no access? Is there any case where it takes 12 days to verify a payment already received and posted?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/2011 {$570.00} Western shamrock XX/2011 {$170.00} XXXX XXXX XX/2011
Product: Debt collection

I received a letter from XXXX XXXX XXXX regarding a XXXX debt of XXXX. The letter was addressed to XXXX XXXX, which is not my name, but sent to my address. I know nothing of this debt and tried phoning the number in their letter to explain this. However, every time I attempted to press Option XXXX I was directed back to the Options menu again. I wrote to the company instead explaining that I was not XXXX XXXX and knew nothing of this debt and asking them not to contact me again. However, my letter was ignored and I now receive daily automated phone calls urging me to telephone them, despite the fact I am registered with the TPS. Although I have blocked their calls, they leave an automated message. 
Yesterday, I received a letter from XXXX, another debt collection company, again addressed to XXXX XXXX, and this time the debt is for XXXX due to XXXX XXXX. Again, I have written to them to inform them I do not owe this money and I am not XXXX XXXX. The letter was sent by recorded delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not accurate or mine.
Product: Credit reporting or other personal consumer reports

ON WEDNESDAY XX/XX/2024 ; BELOW I RECEIVED THIS XXXX RESPONSE VIA EMAIL IN REGARDS TO A DISPUTE DATED XX/XX/2024. 

( ( We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer @ s file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with XXXX for free. 
If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/ dispute. 
Connect with your credit day or night for FREE. View your Free XXXX Credit Report ) ) I CALLED XXXX TO AUTHORIZE MY DISPUTE. THEY HAVE NOT FOLLOWED THROUGH.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax regarding inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). However, Equifax failed to properly investigate my dispute within the required timeframe and did not provide me with an adequate response. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  - XXXX This lack of investigation violates my rights under the FCRA 611 ( 15 U.S. Code 1681i ) . I am requesting the CFPB to intervene and ensure Equifax conducts a proper investigation as required by law. 

Please investigate this matter and ensure Equifax complies with federal regulations. Thank you.
Product: Money transfer, virtual currency, or money service

Someone got access to my account and transferred money through XXXX around {$3100.00} I complained to Wells Fargo about this unauthorized transactions but they are not helping
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed disputes onXX/XX/20,XX/XX/20, XX/XX/20, with XXXX  and on XX/XX/202 with XXXX  and XXXX  in regards to the inaccurate information being reported across all 3 beaus which have caused my scores to decrease for months. I've reported several times but the results were said to be accurate. some accounts were charged off on my credit report but yet it's was still being reported as open and past due. one account is XXXX  XXXX which is reported as past due for {$490.00} but it's in Collection. Another is for {$1000.00} with XXXX XXXX but had been charged off but was yet being reported as past due. another is portfolio recovery reporting inaccurate info across 3 bureaus posting an {$470.00} account as in collection on one beau but reoprting the same account on other beaus as closed.
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. Account Name : XXXX, XXXX Account Number # XXXX XXXX XXXX XXXX 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable inve5stigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. -- 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Form 1099-C requirements XXXX  account XXXX has been illegally reported on my consumer report ; Form 1099-C must be filed regardless of whether the debtor is required *to report the debt as income*. ( and is therefore not a debt but income ) However the debtor has reported this account as debt but remarked and/or reported the account ( for months ) as charged off ( i.e. 1099-C filed ).
Product: Money transfer, virtual currency, or money service

I deposited over {$1000.00} dollars into my account on XX/XX/XXXX with no problem. A couple of weeks later i decided i needed to move that money to my other account and they froze my account. I sent them a message asking why they froze it, and of course i got no straight answer. So they asked me to send in some documents, a selfie holding a piece of paper, and the reasons why I'm using XXXX ( which is not their business but i did anyways ). Once i did that they stopped responding. Ive send over 10 emails and tried to call them, talked to their on XXXX  and XXXX, with no luck. They are trying to scam me and I've seen hundreds of others have the same problems has me. Some haven't had theirs resolved and its been years. please help. I'd really like my money back from these lying cheaters. my balance continue to fall because the markets are dropping in price. Gemini is forcing me to take losses and they owe me that money back.
Product: Credit reporting or other personal consumer reports

-- Transunion -- These XXXX illegal collections are fraudulent and they need to be removed off my report. These XXXX accounts are illegal and I've finally hired a credit XXXX to remove these fraudulent items. Please remove these items off my credit report! All of these accounts have been removed off my XXXX report and XXXX report. These are the last XXXX illegal items on my transunion report. Please remove these illegal collections off my report! 

XXXX XXXX XXXX XXXXXXXX {$150.00} Date Opened XX/XX/XXXX XXXX Dot Bank {$57.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit XXXX. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal inquiries! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My issue is with my BJs credit card from Comenity Capital Bank. The credit card rewards program is 5 % back on most BJs in store purchases. For several years, the program worked great. Every {$200.00} spent, I would see a {$10.00} award to apply to my next purchase. This all changed in XX/XX/2022. Since XXXX, I have not been getting any rewards. I reached out to the bank on several occasions. They admit they are working on it. Updating their system is what they say. But this has been going on for over 2 months. My awards are being held hostage, and the customer service keeps stringing me along saying we will have this corrected by x date but nothing happens. I have called the BJs membership customer service line. They too are perplexed and frustrated and have heard hundreds of the same complaint.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian in regards to a request to for a full refund after finding that I was charged 2 months of full membership. I informed the representative that I called in to customer care to request cancellation of my 7 day trial. I was unable to speak with a representative after following the prompts to cancel membership. I was intructed to input my social security number and upon doing so, I received a thank you message then soon after the call was disconnected. I was under the impression that I had made a mistake so I called in for a second time to be sure that I completed the request and followed the same prompts and received the same response. I am now being told that in order to cancel a request I would need to speak to a representative, in which, it isnt stated anywhere in the terms and conditions section on their website. No one has addressed the fact that the automated system gives you the option to cancel a membership but apparently the system is faulty. Ive also included a screenshot of my cell phone statement that shows the calls made in to the contact center.
Product: Checking or savings account

On XX/XX/2023, Bank of America allowed an unauthorized bill pay credit card payment withdrawal from my checking account in the amount of {$960.00}. I detected the withdrawal immediately the next morning and contacted the Bank of America " fraud department '' at exactly XXXX XXXX  when the bank opened on XX/XX/XXXX. I made a total of XXXX phone calls between XXXX XXXX and XXXX XXXX on XX/XX/XXXX. I was transferred and passed between various Bank of America offices in New Mexico, North Carolina, Mississippi, Alabama, Florida, and Texas. Those teams included fraud teams for credit cards, deposit accounts, debit transactions, bill pay, digital fraud, etc. Not a single one of those teams could open a fraud dispute. One agent told me she opened a dispute, but didn't. There was no record when I tried to verify the dispute. I was passed back and forth between the same two teams multiple times. It was a nightmarish bureaucratic exercise in futility as no " fraud '' team would take responsibility or had the authority to open a dispute until at XXXX PM after talking to XXXX different fraud agents for nearly XXXX hours, one agent found a way to open a dispute. Although a dispute may have been opened, I have to formal response from the bank and the {$960.00} has not been returned to my account.
Product: Student loan

Navient is just poor, all around. Poor customer service, poor loan servicing, poor plan options. I have submitted paperwork for a lower payment on two different occasions, yet they tell me they did n't receive it, or they tell me it 's processing. I can not afford the payment they are STICKING me with and they are not giving me any other options. I have submitted bank statements and all required documentation.
Product: Debt collection

I received a letter stating i owe over XXXX XXXX  which this debt is not mines.I never had a phone bill with XXXX XXXX at all.
Product: Credit reporting

I was a victim of identity theft and now I have pay day loan inquiries on my report under my old name XXXX XXXX, the person even tried to carry me on income taxes. I 've tried to dispute them but the credit reporting company is telling me to contact the company. The companies wo n't remove them saying that it 's my information, even though I have documentation from the IRS, say I have identity theft on record
Product: Mortgage

When current on primary residence mortgage, Seterus will refuse to accept payments.We have been constantly harassed with foreclosure on a Mortgage that has Remained current.We have contacted XXXX XXXX on Multiple Occasions to bring to their attention they claim there is nothing they can do.It takes literally Hours to make a signal payment.I would guess this is why XXXX XXXX is about to fail Again with in a couple of years time.
Product: Credit reporting, credit repair services, or other personal consumer reports

have contacted all 3 major credit bureaus to get accounts removed due to ID Theft along with police report and ID Affidavit and they refuse to reinvestigate, remove or block inaccurate information reporting these accounts are : 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  and XXXX XXXX .
Product: Money transfer, virtual currency, or money service

A contact of mine sent a payment through Zelle and it never reached me because Zelle deleted them out of my contacts without my consent.
Product: Checking or savings account

On Sunday XX/XX/2019 I wanted to purchase an airplane ticket on XXXX XXXX, on their website, in the amount of XXXX When I submitted payment, using my Citizens Bank debit card, Interjet said that the payment was rejected. A few moments later, I received notification from Citizens Bank Fraud Division that suspicious activity had taken place ( my attempted purchase ) and that I should log on the Citizens website to confirm that it was a valid transaction.

I indicated that it was a valid transaction, and I received a message telling me to wait one minute to re-try my purchase ; I did, and this time it was successful.

A few days later I received notifications from Citizens, telling me that my balance was low, and then I had six ( 6 ) overdraft notifications and a overdraft transfer notification. After looking into my activity, I realized that Citizens Bank had put a hold on BOTH payment attempts, duplicating the funds used.

I contacted Citizens Bank customer service on XX/XX/2019 and they were not helpful at all.

Each overdraft comes with a {$35.00} fee, so this was a {$200.00} additional hit to me, and the transfer from my overdraft account ( $ 100.+ ) will also come with a {$12.00} or {$15.00} fee.

As of XX/XX/2019 Citizens still has a hold on {$780.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was referred to this credit union and applied for an installment loan. I filled out all the information and provided documentation accordingly. The account was approved and opened. Later in the day before any funds could be used the account was locked and I was notified. The bank manager reached and said the account couldnt be opened and funds were t able to be used. About a year later I started seeing missed payments from this account. I had never used this account to have a missed payment because it was closed upon opening. So I disputed the charges and account. It took a while but they later updated the account, but still was the wrong information. This is hurting my credit significantly because its reporting that payments are being missed and have a continued balance. I have since, reached out again and no response. I feel I am a victim of fraud and they are going against my rights
Product: Credit reporting or other personal consumer reports

XXXX sent some XXXX  to the XXXX  bureaus regarding XXXX  items on XXXX XXXX report. XXXX XXXX have been disregarded and XXXX been receiving XXXX  stating XXXX using a XXXX party. I have attached XXXX XXXX  and XXXX  to this complaint for XXXX  review.