23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A debt was owed to XXXX XXXX  Credit card, TSI took over the collection and initiated the garnishment on my checks of 15 percent per check, and I get paid weekly. At the end of XXXX out the debt, the total amount garnished was at {$5800.00}, what was owed at its highest point was at {$4100.00}. Called TSI, they stated what was owed was about {$5600.00}, however, I have an itemized spread sheet from XXXX XXXX credit, and it shows line by line of how much it was til XXXX. When I spoke to XXXXSI they didn't know how much I paid in, they only could see what was the last payment, seems a bit odd that they would not know how much i paid in. I do not not want to accused anyone for sure, however, no one on the phone can explain where the rest of the money went. My pay stubs keeps track of how much was garnished, and the total amount was at XXXX. Numbers are not adding up a major discrepancy has happen and no one can explain. Two things has happen, ( 1 ) I misunderstood the numbers or ( 2 ) someone took advantage of the checks coming in and didnt apply it to my account and kept it for themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Bankruptcy Acct # 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, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. LexisNexis is required under the FCRA to have a copy of the original creditors or furnishers documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it etc. ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit card

Prior to submitting my dispute, I called USAA a spoke with a representative regarding my concerns with the vendor. The representative advised me to ensure I left the item with the vendor ; I did.

I submitted a dispute to my credit card for being charged for a new item, when in fact the item sold to me was used.

The credit card denied my request, I called many times to try and get an understanding of their basis for the decision ; no one would explain it. 
I requested to speak with a manager in the department making the decision and was only transferred to another representative, never a manager.
Product: Checking or savings account

I have incurred numerous unauthorized subscription and membership charges from XXXX from XXXX to XXXX, totaling to nearly {$500.00}. I cancelled these plans on multiple occasions, for which these charges were generated but they continued to be automatically reinstated, thereby resulting in unauthorized transactions to my card. 

A few of the various subscriptions & memberships that I was charged for include, but are not limited to, the following titles : XXXX Membership, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc ... 

I reached out to my bank to try and resolve this issue but by the time I'd recognized these charges, the deadline for filing a dispute had passed.
Product: Credit card or prepaid card

I have a credit card with Bank of America and after I receive the statement of XXXX with a balance full payment of {$1400.00} with a due date of XX/XX/2023. I decided to make a full balance payment on XX/XX/XXXX to avoid being late. Then I noticed on XX/XX/XXXX that because I had set up auto recurring payment in the bank website, the platform had initiated the payment and withdrew the funds from my account. 

I contacted the bank and was told by chat that the refund would take up to two billing cycles, which is insane by the way, but also were told that I can request the refund by phone and it would be much faster. I did the request of the refund by phone and according to the agent it would take a few days of them to process the request but today XX/XX/2023 I decided to call the bank again because I have not received the refund yet and for my surprise I discovered that the refund would take up to 2 billing cycles regardless it was done by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1. # OFFICE OF THE ATTY GEN # XXXX 2. # OFFICE OF THE ATTY GEN # XXXX 3. XXXX XXXX XXXX XXXX, Accounts # XXXX # XXXX # XXXX 4.XXXX  # XXXX 5.XXXX  XXXX  XXXX  # XXXX 6 . XXXX  # XXXX 7.XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX 8.XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX Equifax Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide me the date of first delinquency of this account below! It appears per the credit report, see attached, that the last payment that I made was sometime around XX/XX/XXXX? Therefore, I am guessing since I would become 30 days later after the last payment you recorded and I never again caught back up to become current on this account that the first date of delinquency would be sometime around XX/XX/XXXX. 

Therefore, this account is aged out and should no longer be reported to any bureau! 

JPMCBCARDSERVICES - Acct # XXXX - This account is a charge off and should be showing as a charge off as of XX/XX/XXXX. There is an inaccurate Balance of {$3400.00} as of last month. This is scheduled to fall off my credit report in XXXX.
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 Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXXXXXX Account Name : XXXX XXXX XXXX 
Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 do not condone the use of other peoples addresses, names and phone numbers for personal monetary gain. Experian, XXXX, and XXXX are committing serious privacy violations against the people who have these addresses, names, and phone numbers. Experian, XXXX, and XXXX must be fair and impartial and make sure my non-public personal information is accurate and other peoples nonpublic personal information is removed by correcting consumer reports and consumer files. 

REMOVE ALL NONMAILABLE ADDRESSES ( 39 USC 3001 ). 

I ONLY HAVE ONE ADDRESS. REMOVE INACCURATE ADDRESSES THAT BELONG TO OTHER PEOPLE. 

I ONLY HAVE ONE NAME. REMOVE INACCURATE NAMES : I ONLY HAVE ONE PHONE NUMBER. REMOVE INACCURATE PHONE NUMBERS I ONLY HAVE ONE EMAIL ADDRESS. REMOVE INACCURATE EMAIL ADDRESSES :
Product: Credit reporting, credit repair services, or other personal consumer reports

for the last 6 months I have been told that I need to contact the creditor as they may not know how to contact me, I have contacted all the creditors and they can not find the information that is being report nor an account and they tell me to go to the credit reporting agency the credit reporting agency keeps sending me back the creditor does not have my contact info. 

I have provided documents to include police reports and ftc reports still same thing
Product: Credit reporting or other personal consumer reports

According to the Internal Revenue Service an unpaid chargeoff is income and according to the FCRA income should not be reported on my credit report. I am requesting a 1099-C ( Cancellation of Debt ) from the charge off account listed below ACCOUNT NAME : OPP/LOANS ACCOUNT NUMBER : XXXX After checking my most current report the updated information stated that the account was purchased by a third party lender. This account can not be reported as a charge-off on my credit report if it vwas sold to another lender. Please send me the 1099-C form
Product: Prepaid card

I have been using my Skrill Prepaid card account for XXXX  months, and in this timeframe I have been restricted now for the fourth time.Each time I am scolded by an overzealous person questioning every transaction or deposit into the account. What do they want? I am depositing money and spending on XXXX for each month. I do not save receipts from the XXXX  store, especially from XXXX months ago. Do they not have anything better to do? 

I've attached their request, along with the statement of my funding account ( per their request ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$460.00} XXXX   XXXX {$250.00} XXXX  XXXX  XXXX {$430.00} XXXX XXXX {$1000.00} XXXX, NA XXXX {$240.00}
Product: Credit reporting or other personal consumer reports

I had a balance with a Navy Federal credit card that I paid off IN FULL. My credit report states that {$11.00}, XXXX was written off. That information is inaccurate. I paid that in full. I have disputed this, but it remains.
Product: Payday loan, title loan, personal loan, or advance loan

Original loan XXXX. Car repossessed in XXXX asked company for payoff total. Was quoted XXXX dollars. Paid that amount, got the car back. When I attempted to get my title back I was told I still have a XXXX dollar balance. No one contacted me from the company regarding a balance owed until after I tried to get my title back which was approx XXXX days after I got my car back. They are trying to charge me almost XXXX percent interest in a XXXX dollar loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent your company my dispute on XX/XX/2021, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Product: Money transfer, virtual currency, or money service

I cant verify my account.. Ive been calling the customer support line for 2months to let them know my issue. Everyone keeps having me repeat the same exact steps just to say they cant help and to wait for an email from the higher up to go any further.. I havent received anything/ email from Cash App Higher Up concerning my problem. Its been 2 months and I want my money off my account. I got a ticket number on XX/XX/year> and still nothing!
Product: Checking or savings account

Opened a checking account with First National Bank on XX/XX/2023 with the promise of reward of {$600.00} credit to my account if I had direct deposit in the amount of {$1500.00} in the first XXXX days and automatically make XXXX car payments with the same account. Both requirements were met and First National Bank only paid {$300.00} to the account
Product: Checking or savings account

all my accounts at wells fargo have neen comprimised. i have incurred overdraft charges. late fees returned payments because of the breach of my accounts. they switched cards and refunded some of the overdraft fees. i have had this happen several tomes while banking with wells fargo.
Product: Debt collection

Bank of America has threatened to sue me for a HELOC loan. I have been making payments on the HELOC every month. The Attorney that the Bank used submitted incorrect financial amounts to XXXX County Magistrate Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. Cbna I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further credit.
Product: Money transfer, virtual currency, or money service

Date of Transfer on XX/XX/XXXX Recipient XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Wire # : XXXX Bank Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was the victim of a fraudulent wire transfer where I lost {$28000.00} to a scammer. The scammer 's account was with Bank of America. I immediately reported the Fraud to XXXX XXXX, which handled my account, and they disputed the transaction on my behalf on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, Bank of America declined the disputes three times despite providing clear evidence of the scammer 's account at Bank of America.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the LexisNexis consumer reporting agency, block information appearing on my consumer credit report that is the result of aggrevated identity theft and fraud within 4 business days of you receiving this complaint. This account is a bankruptcy. The aforementioned account appearing within my consumer report maintained by LexisNexis is to be deleted and blocked immediately.
Product: Debt collection

I was just made aware that my XXXX/good credit score took a dramatic drop because XXXX XXXX XXXX incorrectly reported that I owe a payday loan of {$840.00} to all XXXX agencies. I have NEVER taken a payday loan with MRS or the companies they represent and have never taken out a loan in the 12 years I 've been here. I 've disputed this with all XXXX agencies, filed a XXXX compliant and am now doing this with you. After researching Midwest Recovery Systems, hundreds of other people have complained about the exact same thing. This was illegally and mistakenly added to my report and I want it removed on all XXXX reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is report erroneous things on my credit report. They have harassed, threatened me, called my work place and relatives on a debt I do not owe! I have written them 3 times asking for proof of debt and they have yet to provide me with ANYTHING. After calling Transunion and XXXX the representatives told me the way they verified this account was by asking XXXX XXXX if the info is indeed true. All they did was ask and took their word for it! And they have yet to show me how I owe this debt! No PROOF at all! What a disservice they are doing to the public by blatantly admitting that they " take their word of the reporter ''. How are things ever going to get fixed if the person paying you is supplying incorrect info to my file and you just take their word for it!
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT CREDENCE RESOURCE Reported : XX/XX/XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I was denied the ability to open a bank account because of information provided by ChexSystems. I requested more information from them, but was not given anything useful. I was a victim of identity theft in 2014, but otherwise have always been in good standing with all of my credit/bank accounts.
Product: Debt collection

XXXX XXXX, XXXX bac XXXX XXXX XXXX XXXX, XXXX GA XXXXThe parties above, Has all committed Fraud and not allowed me to apply for short sale by home and by NOTgiving me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Has committed Fraud by not giving to me the correct " notice '' that B of A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXResend and STOP THE Foreclosure, HAVE THE BANK WORK WITH ME TO START A SHORT SALE AND HELP ME TO KNOW FOR SURE WHO IS THE CORRECT SERVICING LOAN MORTGAGE COMPANY. 

The parties below, Have all committed Fraudand are planning a foreclosure sale on XX/XX/2015 in XXXX XXXX GA. 
Bank of America Mortgage XXXXandXXXX XXXX XXXX XXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by not giving to me the correct " notice '' that Bof A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I received an email from JP Morgan, Chase indicating that I had applied for a credit card. I also received a notice from XXXX XXXX that there was a hard inquiry on my credit report which matched the inquiry from Chase. I did not submit a credit card application and believe this will be fraud on my account. 

On XX/XX/24 I received an email from XXXX  XXXX indicating that I had applied for a credit card. This did not appear as as a hard inquiry on XXXX XXXX, so I did not look into it further, but realize that this may be connected to fraud as well.
Product: Bank account or service

Navy Federal Credit Union made several errors on my checking overdraft, the largest being in excess of THIRTY FIVE THOUSAND PERCENT. When brought to their attention they lazily dismissed it as " interest ''. 3500 % + Interest? REALLY??? I do n't think so. I asked them about it several times ; and they consistently gaffed me off. This is the type of service that I routinely get from their online support desk ; but this time we are discussing a CRITICAL SOFTWARE ERROR that is affecting at least XXXX active account. This is serious and is an unacceptable computer glitch that warrants a thorough investigation. They closed the ticket siting " interest '' again. I then opened another ticket requesting a supervisor call me ; they refused. This problem is XXXX that does not need to be ignored -- it could be affecting other people as well.