23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ronald H Reynolds is contacting people in my family about me on several family members seeking to me. In fact you no my address and filed on me already. there seems to be a problem since I have file several complaints on Ronald H Reynolds & Associates Your been paid weekly with no response to certified mail and disputes to the bill that you have yet to reply back within reason.
Product: Credit card or prepaid card

On XX/XX/2019 around XXXX XXXX I used an ATM in XXXX XXXX  XXXX XXXX XXXX XXXX Fl.. The ATM was owned by XXXX XXXX XXXX. I put in my XXXX XXXX Master Card and requested a cash withdrawal of {$80.00}. The transaction ended with no receipt and no funds dispersed. I asked for the manager and she explained that XXXX has no affiliation with XXXX and to call them direct. The XXXX was debited from my account. 
I called XXXX and they told me only my XXXX XXXX credit card company could handle this mater or file a dispute. I called XXXX XXXX and completed their affidavit of fraud. I was given provisional credit, but almost 2 months later I received a letter indicating the dispute was rejected. While a tracking number was provided, no dispute resolution number was indicated on the letter to allow me to followup with the credit card company. I managed to get through to a Tier 2 agent after a Tier 1 agent hung up on me when I questioned why she was asking for my social security number. 

The Tier 2 agent from XXXX XXXX Master Card indicated the merchant had represented the debit and said my card was charged and told me to handle it myself as they can not do any more for me or get a video pulled.. I agree, my card was charged - but no monies were dispersed from the ATM for that debit to my card. When I did not get my monies or receipt from the ATM I called store manager promptly and followed the correct procedure. There are cameras on ATMs that could validate that no funds were dispersed and my credit card company is claiming there is nothing more they can do. This is deplorable - so XXXX  answer the monies were debited we know that but they were not dispersed. I don't have access the video to prove I'm correct, but they do and my credit card company should pursue this on my behalf instead of hanging up on me and basically telling me that this is all they can do - they did nothing. I want my {$80.00} credit back on my card. XXXX XXXX agent XXXX which I spoke to on XX/XX/2019 around XXXX XXXX  just said sorry and hung up on me. 
Videos do not lie. 

Concerned Senior Citizen for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE THINGS ON MY CREDIT REPORT THAT I NEVR HAD. I HAVE NO IDEA WHERE THIS STUFF COMES FROM. I JUST KNOW THEY ARE IMPACTING MY SCORE AND THATS NOT FAIR. I HAVE INQUIRIES THAT I HAVE NEVER INQUIRED ABOUT. PLEASE REMOVE THIS STUFF FROM MY CREDIT AND SEND ME A COPY.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B means we need to delete the wrong stuff from my credit report. Can you check the papers? Some accounts listed have the wrong info about what happened and when.
Product: Credit card or prepaid card

Discover has been making threats to report me to credit reporting is this even legal?
Product: Debt collection

ON OR AROUND XXXX XXXX  MIDLAND CREDIT MANAGEMENT APPEARED ON MY CREDIT REPORT. I NEVER RECEIVED A NOTICE IN THE MAIL TO DISPUTE THIS DEBT PRIOR TO IT'S INSERTION ONTO MY CREDIT REPORTS NOR DID I KNOW I COULD. ON XXXX XXXX XXXX I SENT MIDLAND A DEBT VALIDATION LETTER VIA USPS CERTIFIED MAIL, THE TRACKING NUMBER IS XXXX XXXX XXXX XXXX XXXX. THE LETTER WAS SENT TO THE MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THE LETTER WAS RECEIVED ON XXXX XXXX XXXX AT XXXX XXXX. ONCE AGAIN I NEVER RECEIVED ANY FEEDBACK OR DEBT VALIDATION FROM MIDLAND CREDIT MANAGEMENT. AS OF XXXX MIDLAND'S ENTRIES  HAVE DAMAGED MY CREDIT RATING BY REPORTING NOT ONLY UNVALIDATED ACCOUNTS TO MY REPORTS BUT ALSO REPORTING FALSE INFORMATION. MIDLAND IS REPORTING TO XXXX  THAT I WAS 120 DAYS LATE FOR XXXX/XXXX. THIS IS NOT TRUE I HAVE NEVER MADE ANY PAYMENTS TO MIDLAND OR NOR HAVE I HAD ANY FINANCIAL OBLIGATIONS TO THEM. I AM DECLARING THIS DEBT AS NOT ACCURATE AND WOULD LIKE FOR IT TO BE REMOVED DUE TO MY CONSUMER RIGHTS PER THE FCRA BEING VIOLATED. I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Product: Credit reporting or other personal consumer reports

back in XXXX  and XXXX  The DEPT OF ED/XXXX started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on my credit report..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 1. has my address listed multiple time XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX several times and Experian has my name wrong. These Inaccuracies must be deleted. 
2. XXXX XXXX account never late and is current. Stop reporting old information 3. XXXX can not be late because its in deferment due to pandemic. It's been that way since the pandemic. 
4. XXXX XXXX XXXX XXXX Can not be 5 times late because it was paid by settlement. XXXX dba XXXX XXXX XXXX XXXX is paid. 
All the accounts above bring a negative ouoom on how creditors see me and the refusal of updating is a blatant discriminatory act seeing from a person of XXXX really stains opportunities to grow and increase chances of getting credit in the future or financial help.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have been a victim of identity theft and impacted by the Louisiana and XXXX data breaches. As a result, as a Louisiana resident, my personal information was exposed in the breaches that made global news. I'm a victim of identity theft, and the accounts and inquiries listed result from identity theft. 

Accounts & inquiries that are not mine and a result of identity theft are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX  I was called with a cloned Bank Of America number with a scam representative who convinced me that someone was using my debit card information to make 4 purchases. They said it would not show up on my account as it has been flagged but I needed to assist them with the cancel of the transaction via XXXX by entering the amounts starting with XXXX. The total turned out to be XXXX dollars that I sent via XXXX unbeknownst that it was a scam. I then called the real Bank of America 2 hours later because i was at work prior and asked them to double check. The worker said it was a scam and asked for the details and verified that I was scammed. They then said since the scammer is within network I should be able to get my money back. On XX/XX/XXXX they denied my case and told me to contact the person that I sent the money to. I have never met said person since it was a scam so how could I contact them? It was very rude and unexpected since I have been a customer for 14 years and never once have I had to ask Bank Of America for help. on XX/XX/XXXX I called to ask about my case and it was resubmitted for review then denied once again after a few days. I went to Bank of America in person to ask if I am following the proper protocols for fraud and scam and they said yes, but they can not do anything because I technically authorized the payments on XXXX. I told the employee I understand that but it still was a scam. I would never intentionally send a stranger such a lump some of money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Pleasant Hollow XXXX XXXX XXXXXXXX XXXX XXXXXXXX Upstart Network , Inc . 
Re : Dispute of Inaccurate Credit Reporting Account Number : XXXX XXXX Upstart Network , Inc, I am writing to formally dispute inaccurate information you are reporting on my credit file concerning the above-referenced account. This account rights have been sold to third party XXXX XXXX XXXX per XXXX and XXXX, yet Upstart is still reporting it as a closed account on my credit file. This is inaccurate and misleading, causing harm to my credit profile. 
By continuing to report false and misleading information, you are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally the actions of Upstart XXXX XXXX XXXX violate the Tennessee Consumer Protection Act ( TCPA ), XXXX XXXX XXXX XXXX XXXX, which prohibits unfair and deceptive practices, including but not limited to : Misrepresentation of the information reported to credit bureaus. 
Failure to provide accurate information on my credit file.

15 U.S.C. 1681e ( b ) : Your obligation to ensure maximum accuracy of the information reported.

Im sending this demand letter so that you immediately delete this inaccurate and harmful information from my credit file. Under the FCRA, I may have the right to pursue statutory damages ( up to {$1000.00} per violation ), as well as actual damages and punitive damages if it is determined that there was willful and negligent noncompliance.

I will take appropriate action under both the FCRA and TCPA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Tennessee Attorney General 's Office, and pursuing legal action if necessary.
Product: Student loan

A collector of a private loan thru XXXX XXXX XXXX has been harassing me at work, calling family members and refuses to stop after I told them of my rights. SIMM Assiciates is the collection company. I refuse to speak with them any further. They have no interest in what I can afford, only what is expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages reported to my credit report. This is a deformation to my character.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 my 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 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 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 missed a payment because somehow my automatic payment was turned off. 
The problem I had with the whole process was that Discover card never sent me any kind of special email to alert me of the situation. I think they should be required to send an email that has missed payment - " ALERT - MISSED PAYMENT " or " LATE PAYMENT '' information right in the heading of the email. They did send me my generic email that they send every month that says my payment information can be obtained by logging in to my account. I thought my account was still on auto pay and when I got the regular email from them the payment information can be obtained by logging in I assumed everything was fine- had some some sort of alert I would have taken care of it right when I found out the payment was late
Product: Credit reporting or other personal consumer reports

I am filing this complaint with full awareness of the ongoing lawsuit between the Consumer Financial Protection Bureau ( CFPB ) and Equifax, which highlights Equifax 's systemic failure to comply with federal consumer protection laws. My experience is yet another example of XXXX blatant disregard for the Fair Credit Reporting Act ( FCRA ) and its obligations to consumers. 

I filed multiple disputes with Equifax to address fraudulent accounts and inquiries on my credit report, providing all required documentation, including a police report, identity theft affidavit, and proof of identity. These disputes were filed under FCRA Section 605B, which explicitly states that fraudulent accounts and inquiries must be blocked and removed within XXXX business days. Despite this clear legal requirement, Equifax has repeatedly failed to remove or correct the following fraudulent accounts and inquiries : XXXX XXXX  XXXX XXXX XXXX Balance : {>= $1,000,000} XXXXXXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX ) XXXX Account XXXX Balance : {$130000.00} Equifaxs failure to act not only violates the FCRA but also demonstrates their negligence in protecting XXXX from the devastating consequences of identity theft. Instead of fulfilling their legal obligations, Equifax has either ignored my disputes, conducted inadequate investigations, or wrongly verified fraudulent accounts as accurate. This disregard for consumer rights is unacceptable and continues to cause me financial harm and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation.
Product: Debt collection

I had XXXX about XXXX years ago in 2011. I canceled XXXX I was all paid up and sent back their equipment and that is what they are charging me for. I sent it back and I do n't owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a serious victim of one of the most involved identity theft fraud cases in the history of XXXX XXXX XXXX. After I opened my checking and savings accounts with the XXXX XXXX XXXX XXXX  Branch in XXXX, a few months later I started noting some strange activities on my accounts. Then I received in the mail filled out applications for XXXX XXXX Accounts that I never requested. I went into the Branch to confront my Banker XXXX XXXX. His explanation was very alarming. He claimed that his colleague XXXX XXXX was working on another customer 's accounts and got some of my information involved. That was absolute XXXX. I immediately requested to speak to the Bank Manager. When I brought this to the attention of the Bank Manager, his attitude was very disturbing. He responded as though this was a miniscule matter, and I shouldn't be concerned. That's when I decided to close my accounts with that Branch and move them to the XXXX XXXX Branch where my Mother 's account was. So I requested them to immediately close my accounts, They informed me that all pending transactions had to be cleared first, and then they would contact me. After a week had expired and I wasn't contacted, I went into the Branch in person. I requested to meet with the Branch Manager again. I told him that if my accounts weren't immediate closed and I didn't receive my full funds, I was going to file serious fraud charges against him and anyone involved with my accounts. I finally did receive a cashier 's check that morning. I immediately went to the XXXX XXXX Branch and met with XXXX, my Mother 's personal banker. I told him of the serious matter with the XXXX XXXX Branch, and I wanted to open accounts in his Branch. I also told him that I wanted serious security alerts in place so nobody from the XXXX XXXX Branch could access my new accounts. Bottom line, for almost three more years serious identity theft and fraud took place causing me utter chaos. Because of this serious matter numerous items of derogatory information was reported on my three credit reports. I have spent the past several years trying to resolve these issues with all three credit bureaus with no luck whatsoever. Because of the extreme sophistication that the employees from XXXX XXXX used, the credit bureaus don't believe my explanation. As a good example, recently when viewing my credit reports, I discovered something very strange. Three recent collections reports all dated in XXXX of this year. That absolutely doesn't make any sense.
Product: Debt collection

The account was mishandled by original creditor. I had full XXXX Medicaid and the company set up payment arrangements with me instead of billing Medicade now the debt was transferred to a collection agency bad debt not owed by me but should have billed medicade
Product: Credit reporting, credit repair services, or other personal consumer reports

A LATE PAYMENT HAD BEEN RECORDED IN ERROR.  A STATEMENT WAS NOT RECEIVED TO SHOW A BALANCE WAS DUE FOR MY XXXX XXXX  - XXXX ACCOUNT ENDING IN XXXX
Product: Debt collection

I never received service from XXXX. I have been with XXXX XXXX for 3 years. A representative came to my door to see if he could get me a better energy quote so I have permission for him to run my information. 

They can not provide you a bill with XXXX single date or kilowatt charge for my address. So they basically charged me for a quote. 

They then sold my information to a debt collector, LVNV FUNDING LLC.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I was denied an extension of my credit due to Truist/BBT unlawful acts. 
Truist/bbt is a bank, a bank can not loan money, do not have the power to loan money, and can not loan credit or extend credit. Which mean Truist/BBT do not have the right to deny a consumer their own credit. Which led to the Adverse action letter I received. 

This is criminal liability and discrimination, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an Adverse action against a consumer.
Product: Prepaid card

Vanilla Gift Card. 
Apparently I went to a scam website that looked just like Vanilla to register a gift card I had just received. 
As I was completing the process a pop-up showed a warning, something pertaining to a XXXX website, but it was too late. I confirmed that I had been scammed when I tried to use the card myself 10 minutes later and it was declined. When I called vanilla, they did see that the card was locked and that there had been a transaction for the full amount, but it wasn't where I tried to use it. 

The real Vanilla says I can call back on XX/XX/XXXX, and they will start a dispute and MAYBE I will get my money and they HOPE I will get my money. 

All of the card info went here : XXXX XXXX XXXXXXXX and I'm out {$50.00}
Product: Credit reporting or other personal consumer reports

I was directed to this site by XXXX on XX/XX/2023 that has informed of inaccuracies of consumer credit report that included information that would be pursuant to the regulations and procedures that would be unlawfully be put into place for to be able to apply for an employer having been already charged for XXXX conviction as recognized by information from the Massachusetts Department XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX Code , 23-A of the New York Correction Law which was provided by XXXX. I don't not know of any company or business associating with my consumer credit report or ever made an agreements or arrangements in the past. Would like to be provided with the information and detail on my file.
Product: Vehicle loan or lease

This company gave two different amounts from when the car was repossessed and when it was sold to an auction, the amount went lower then higher
Product: Credit reporting or other personal consumer reports

see attachment for full dispute RE : Federally Protected Consumer Complaint Count 1 : Negligent Noncompliance with FCRA 611 Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] 1. On XX/XX/2023, I received a credit report from Equifax ( Exhibit XXXX ). 
2. The credit report included the results of an investigation into disputed information. 
3. The investigation results indicated that XXXX XXXX XXXX  and XXXX XXXX were currently not reporting on the Equifax credit file ( Exhibit XXXX ). 
4. Furthermore, the investigation results stated that the XXXX account had been deleted from the credit file ( Exhibit XXXX ). 
5. It is pertinent to note that the XXXX account is furnished by THE XXXX XXXX XXXX XXXX 
6. Despite the conclusion of the investigation, these XXXX accounts have persistently remained on my credit file. 
7. Equifax is legally obligated under 15 U.S.C. 1681i ( a ) ( 5 ) to promptly delete this information from my consumer file following the reinvestigation of these accounts ( Exhibit XXXX, Exhibit XXXX ). 
8. Equifax 's failure to promptly delete these items constitutes a breach of its duty, resulting in significant harm to my credit report and credit score. 
9. Equifax is further liable for willful noncompliance with these regulations concerning each account.
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 U.S.C 1681. 

XXXXt Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. And all listed collection accounts listed above should be removed from my credit profile immediately. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That 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.