23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a prior dispute resolved with Experian regarding a collection which was reporting inaccurate information. The collection account was listed under Convergent Outsourcing and was successfully removed from my credit report after several disputes with the credit bureaus. There were also CFPB complaints filed under ID XXXX and XXXX. Now, the same account has illegally been reinserted onto my credit report under a different collection agency, XXXX XXXX XXXX. This is another FCRA violation. I did not receive any formal notice from this collection agency or Experian. The account should not have been reinserted in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Statebridge had a problem with their website and I was unable to get a hold of anyone on the phone and in-between several family members XXXX over the past few months from XXXX I have been a little distracted I admit. They put a late payment on my credit report which wouldn't have been there if they would either answer the phone or their website were functioning properly. When I reported it on XXXX they changed it to 20 late payments and that is not accurate at all. They need to take all the late payments off my credit report and answer their phones and reply to emails. I tried to contact them to discuss this, but again, they don't answer the phones so I can't discuss. I even tried to email and I have heard nothing back. It has been over a week. They need to take all the late payments off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I may be a victim of identity theft. This information is unauthorized and I did not approve it to reflect on my credit reports.To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, NCD FINANCIAL acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

PayPal did not grant me the promotion to which I followed the terms and conditions to the T. I successfully argued that I did in fact follow all of the terms and conditions and instead of giving me the original credit they offered me a " courtesy '' offer. 

This courtesy offer was extremely dubious. The instructions specifically indicated me to click " get offer '' when there is no such button. When I asked customer service how to use the offer, I was quite seriously told " trial and error '' on a recorded line by a XXXX named XXXX XXXX ID XXXX. I asked her and her previous agent several times quite directly if XXXX was a qualifying Merchant for this offer and neither of them could tell me. I asked for any Merchant that they knew the offer would work on and I was told that PayPal can not confirm or deny any company the offer is valid with. So they have given me an offer with no way of knowing where it will be accepted. It is if as a customer I don't know where I can use it. The company issuing me the credit, paypal, The ledges they have no way to know where this credit will be used and will not substantiate the value of the credit offered. They refused to investigate, raise a complaint, or in any way do more than present me with roadblocks.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : FORD MOTOR CREDIT XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX. I was asked to call another number at XXXX and provide them with the claim number XXXX. I spoke to XXXX at XXXX XXXX XXXX. She mentioned that their company was hired to collect a debt from XXXX. She offered me a settlement amount of XXXX. I told her that I would call her back. Later that day, she called me again. I did not answer. 
Today, XX/XX/XXXX my place of employment received a call about garnish procedures. They left a message with the place of employment general number. They mentioned my position as the person of contact. My identity was easy to identify. I also received an email at my place of employment email. I never provided this information. I did pay the debt because I felt uneasy about the threat and I risk losing me career credentials.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CAPITAL ONE AUTO FIN '' I do not recall authorizing or " someone is using my identity ''. I understand that " CAPITAL ONE AUTO FIN '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CAPITAL ONE AUTO FIN on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CAPITAL ONE AUTO FIN to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

CAPITAL ONE AUTO FIN - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CAPITAL ONE AUTO FIN '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear CAPITAL ONE AUTO FINAN, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, your actions infringe on Michigan 's identity theft and consumer protection laws, including the Michigan Identity Theft Protection Act ( MCL XXXX ) and the Michigan Consumer Protection Act ( MCL XXXX ). 

It has come to my attention that CAPITAL ONE AUTO FINAN has reported information to my credit report without my explicit consent. The FCRA mandates that consumer consent is a prerequisite for any such reporting, as outlined in Section 1681b ( a ) ( 2 ). Michigan law further underscores the importance of safeguarding consumer rights and prohibits unauthorized use or disclosure of personal information under the Identity Theft Protection Act ( MCL XXXX ). 

I assert unequivocally that I have not provided consent for CAPITAL ONE AUTO FINAN to report any information to my credit report. This lack of authorization constitutes a violation of my rights, exposes me to potential harm, and demonstrates a disregard for federal and Michigan laws. 

In addition to the federal FCRA provisions, Michigan law imposes specific requirements on entities handling consumer information. Under MCL XXXX, any unauthorized use or disclosure of personal information must be promptly corrected, and affected individuals must be notified. CAPITAL ONE AUTO FINAN unauthorized reporting may also constitute unfair trade practices under the Michigan Consumer Protection Act, MCL XXXX ( XXXX ). 

I demand that CAPITAL ONE AUTO FINAN immediately cease reporting any information to my credit report without obtaining my explicit consent, as required by federal and Michigan law. You are further required to remove any unauthorized entries from my credit report and provide written confirmation of this action within 30 days of this notice. Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General 's Office, and pursuing legal remedies under applicable laws. 

This demand is not negotiable but a legal obligation under the FCRA and Michigan state law. I urge you to address this matter promptly to avoid further legal consequences. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Hello, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. These accounts were initially removed but have been reinstated without my awareness. I have not received any notification or mail regarding their addition.
Product: Checking or savings account

I requested help using the XXXX application and while on the phone with the bmo banking representative she instructed through the process of initiating a XXXX transfer, after the first attempt was not successful she claimed to clear things up on her end and asked me to try again, I was asked to retry the process about 3 additional times and I said forget it and asked to just submit a wire transfer the representative guided me through that process and after a day of waiting that was also unsuccessful. I then received a phone call on XX/XX/XXXX XXXX confirm the wire transaction, which I did confirm and was told everything was fine. The wire was still never processed and bmo placed a restriction on all of my accounts it is now XX/XX/year> and the restrictions are still in place. I have gone into the branch to verify my identity thinking that was the issue and all they could do was reference me back to calling the 800 number for assistance. I have called every single day since and I am still not given any response or answers regarding my accounts. All of my money is tied up and I am unable to survive nor pay for anything.
Product: Debt collection

X/XX/17 I received a phone call from Transworld collection services regarding an unpaid med bill from XXXX XXXX XXXX in XXXX NJ. I have not been to this doctor in 2 years nor have I ever received a bill. <P/>Transworld wanted my dob and ssn as well as address. I did not give this information. I advised I would call the doctors office. <P/>XXXX advised that I had a XXXX balance and that they were having problems with Transworld. I was advised that I was the 100th patient calling that morning. <P/>Today I got another call from Transworld. This time I asked for a supervisor. I advised him that I did not owe any money to XXXX and that XXXX had advised that they were having issues with Transworld. I told him to call XXXX to straighten this out. He advised that he needed my ssn ( last 4 ) and dob to resolve this. I refused to give it to him and told him never to contact me again as I owed nothing. We went back and forth for a couple of minutes before he agreed to take my number out of their call log.
Product: Credit reporting 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 XXXX ( XXXX ), Account name : XXXX XXXX XXXX Account name : THE XXXX XXXX BANK XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

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 card

On XXXX  there is a charge posted for a charge on my Capital One credit card account ending XXXX  for an item that I have canceled with the merchant but have been unable to receive a refund. I send a dispute form to Capital One to initiate a dispute for this and received a confirmation that it was delivered to Capital One on XXXX XXXX XXXX XXXX XXXX However, Capital One has not done anything since to actually start the dispute process or help me in any way. Screenshot of the transaction attached to this complaint to make it easier to locate. Online " Report a problem '' button also does not work to initiate a dispute.
Product: Credit card

0n XX/XX/2024 I placed an order on XXXX and paid {$790.00}. At same day seller email me said my order was shipped with XXXXXXXX XXXX number XXXX. But after XXXX week there is not information update at all. I contact seller and told me they drop off package at usps last week already. Ask me to wait few days more. I ask XXXX XXXX where they ship the package from. They told me they ship from XXXX XXXX XXXX XXXX XXXX On XX/XX/2024 I still didnt get update so I contact seller again and request to cancel the order. Then seller send me screenshots from XXXX XXXX number XXXX. And it ship from XXXX, not XXXX XXXX! This seller keep gave me fake information and I didnt get the package at all and it marked delivered. I contact seller she ask me go to get the package in mailbox. But not there. And before package shipped seller contact me for XXXX XXXX and I reply the email with XXXX XXXX but seller didnt add it to shipping address too. I contact seller they not reply any more. I contact credit card company but they said XXXX tracking number both shows delivered so they cant help me get my money back. I also file police report too. Sell provide not truth information liar to customer to make purchase, hope CFPB could help me. Also seller website said company is in XXXX XXXX but address is XXXX XXXX XXXX XXXX XXXX XXXX. Its not a real retailer. Please help. Appreciated!
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of  the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, 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. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801- which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies TransUnion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX & XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services.
Product: Credit card or prepaid card

It is a CONDATA PAYMENT SOLUTIONS card provided by XXXX XXXX XXXX. 
The paperwork it came with, stating " LIST OF ALLFEES '' is incorrect. 
It states : " Bank teller withdrawal ( for banks participating in the XXXX XXXX ) fee = {$0.00} '' I tried, it was denied by COMDATA. I called COMDATA and was told my card was not eligible for that feature. But it is on the document provided in a sealed envelope stating as such.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX, I made XXXX x withdrawals from Coinbase after selling crypto currency on their website. Both withdrawals still show as 'Pending ' even though they should have arrived before XXXX XXXX. 
I have made multiple attempts to contact Coinbase, but to no avail. So far, they have not been able to tell me when I will receive my money. 

- XXXX Coinbase Reference - XXXX - XXXX Coinbase Reference - XXXX Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing bankruptcies with Experian, and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted the court in writing and asked how they verify information to the credit bureaus since Experian said the information is accurate and that the bankruptcy should remain. and they sent a letter stating that they do not report to any credit reporting agency.I disputed the information again with Experian and the responded with the same letter that is it accurate information that they verified. When I requested how did they verify this information they no longer responded. When I tried to dispute it again they said they will not do any further investigation. But the also won't say how they come to the conclusion that the bankruptcy is accurate either and now they won't respond.