23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Like so many others I was offered a {$100.00} bonus for adding in {$10000.00} to my Goldman Sachs Marcus account and leaving it in the account for 60 days. I signed up for the promotion and added {$10000.00} to the account on XX/XX/. A tracker said that I should receive the bonus by XX/XX/XXXX. On XX/XX/XXXX when the bonus did not arrive I contacted Marcus via chat and was assured that I qualified for the bonus and that they would be posting the bonus soon. At the latest it would be 14 days ( XX/XX/XXXX ). When the bonus did not appear in my account on XX/XX/XXXX I chatted with Marcus again. Again I was assured that the bonus would post " soon. '' I also asked if Marcus was covered under the authority of the CFPB and the rep refused to answer. Shouldn't banks have to disclose the governmental agencies that assist customers when they do not treat them fairly? It is now XX/XX/XXXX and still no sign of the bonus. I searched the CFPB database and see that XXXX  of complaints have been filed against Marcus.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. is in violation of multiple laws set forth by Congress regarding the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX, XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX  XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, Transunion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX, XXXX. can not collect on a canceled debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By definition, the IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX  XXXX XXXX. for the canceled debt of { { {$1400.00} } } in order to file as ordinary income.XXXX XXXX XXXX XXXX. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX, XXXX. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

In XXXX XXXX XXXX, XXXX. terms and conditions they agreed not to share my information with non affiliates. XXXX, Transunion, XXXX is not an affiliate of XXXX XXXX BANK, XXXX. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer. Additionally XXXX XXXX XXXX, XXXX. was also put on notice revoking any and all authorization I the consumer may have given written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. XXXX XXXX XXXX, XXXXdid not respond to or acknowledge this notice and has clearly still been disclosing my personal information to non affiliates ( XXXX, Transunion, XXXX ). 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card

I made a booking for XXXX XXXX on XX/XX/2023 through a fraudulent website called XXXX. I had immediately called the hotel after the booking to find out that XXXX had no authority to sell reservations and that it was a fraud company. I immediately called Citi Mastercard and the fraud department told me to file a fraud case to get my money back. I sent in a letter from the hotel stating it was fraud. The case took over 2 months and I got a letter stating that the case was opened up incorrectly by them and that it should have been a billing dispute not a fraud case because I did actually give them my credit card info. So a new billing dispute was opened up and I resent all the information I had from the hotel stating it was not a real reservation. 2 months go by because they never opened up any of the supporting documents I sent. I called and they finally agreed to open the emails and added them to my file. Then they sent me some random statement they wanted me to sign which I did so on XXXX XXXX and emailed it but again they did not add it to the file. On XXXX XXXX they closed my case stating it had been too long and they will not reopen it. IT WAS TOO LONG BECAUSE THEY MISHANDLED THE CASE FROM DAY 1. I AM NOT RESPONISIBLE FOR THIS BOGUS CHARGE. THEY HAD EVERYTHING THEY NEEDED TO GIVE ME BACK MY MONEY BUT THEY REFUSE. IT IS ABSOLUTE INCOMPETENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to XXXX. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items.

15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club is reporting contradicting information on my credit report. The FCRA says that I have the right to having my information report correctly to my credit reports. They clearly are not reporting things correctly. On my XXXX  report they are reporting that I was 30 days late one time, in XX/XX/XXXX, and after this I have a perfect payment history until XX/XX/XXXX. On my XXXX  report they are showing that I was 30 days past due in XX/XX/XXXX and XX/XX/XXXX. On XXXX  they are also reporting I was 60 days past due in XX/XX/XXXX and 90 days past due in XX/XX/XXXX. They also supplied negative marks in XX/XX/XXXX and XX/XX/XXXX. They do not even report a payment history to XXXX. I am attaching screen shots of the Lending Club entries on my XXXX, XXXX, and XXXX, along with the entire credit reports. Lending Club has shown an inability to accurately report information to my credit report, and because of this it is well within my rights to demand that the entire Lending Club section on all 3 of my credit reports should be deleted immediately. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. 
This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Experian Credit Bureau and XXXX XXXX XXXX Re XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim This account was validated and is in fact accurate, despite my claims of the opposite being true. This is a formal notice that your erroneous claim is now formally disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a  statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : Better Business Bureau
Product: Debt collection

I keep receiving calls from representatives from an MEI Auto Finance XXXX asking me to forward a message to someone. 

I am not an employee of theirs and have no intent to forward ANY communications. I do have nor have ever held any business relationship with MEI Auto Finance. I have demanded repeatedly that they cease and desist calling my phone number. Their calls are a nuisance and harassment. 

My number is registered on the Do Not Call list and this is not a debt owed by me.
Product: Debt collection

I recieved bills from a collection agency onXX/XX/2018. I called them and tried to figure out where these bills were coming from they refused to tell me over the phone. A week later i found out that they are not licensed in the state of tennessee to collect the debt. And i habe also requested validation of the debt. I have not heard from them. I just want to see why and how they can collect a debt in a state that they are not licensed in when they have to be licensed and bonded in the state of TN according to TN CODE - TFDCPA 62-20-101 and 105 thru 127. The company is commonwealth financial systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid my XXXX account off. On XX/XX/XXXX, Equifax reported my account as having a balance of {$510.00}. This company is so incompetent and cant seem to do anything right. They keep emailing me asking for the same documentation over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX consumer stated that mortgage with Wells Fargo home mortgage was transferred and is still reporting open my consumer report there is also a delinquent status being reported to which Wells Fargo no longer has servicing rights not has any right to report on my credit report this loan was transferred/sold to another services therefore this account should be reporting as closed on XX/XX/XXXX wells fargo responded stating. We incorrectly reported the account as delinquent in XX/XX/XXXX. We have sent an update to the reporting agencies to show the account was service transferred with a {$0.00} balance for the XX/XX/XXXX reporting. The servicing of the account was transferred to XXXX XXXX on XX/XX/XXXX. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 

as of XX/XX/XXXX original concern of incorrect information has not been updated but re-reported as 30 days past due/delinquent when on XX/XX/XXXX wells fargo stated that they would remove and fix current information. upon further investigation wells fargo has also reported further inaccurate and incomplete information
Product: Debt collection

I have attempted several times throughout the years to, communicate with the non-va medical facilities, that I 'm a XXXX vet and there is a department in the XXXX XXXX va facility in XXXX XXXX Michigan called the department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone number XXXX, I spoke with XXXX today XX/XX/XXXX and he informed me that they never received any bills from this debt. Merchants and medical XXXX flint Michigan XXXX in regards to a visit that I made dated XX/XX/XXXX account number XXXX, this item ended up on my credit report, these are the types of issues that our American veterans have to combat in order to try to even maintain some sort of normal life, no one takes the time to go thru the proper procedure to make our life more easier when trying to navigate thru these non-va facilities. im faxing you the debt on my credit report and my va status. I would appreciate it if these debt collectors would contact the proper departments you make it difficult for a lot of veterans by not simply making one phone call. Remove this from my credit. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of an online scam. A company sent me some checks to deposit in my account so that later I could send them to another party. However, three days after the deposit of the checks, the bank says they were returned because they were altered/fictitious and now they are deducting the amount from my account. As soon as I deposited those checks into my account, I transferred them to the other party, so now that they found out the checks are invalid, they are taking my own money. 
Why did it take them so long to verify the checks? In any case, the bank should have not allowed the transaction before they verified the check, not 3 or 5 days after I made the deposit. 
The first check was deposited on XX/XX/XXXX and was returned on XX/XX/XXXX. It was a deposit of {$2000.00}. 
The second check was deposited on XX/XX/XXXX and was returned on XX/XX/XXXX. It was a deposit of {$1500.00}. 
Now I lost a total of {$3500.00} dollars just because my bank, Wells Fargo, doesn't do the appropriate verification before just letting go of any money. 
I already called my bank and they just let me fill out a complain but the representative said probably nothing will happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries, I did not authorize these inquiries, XXXX XXXX - XXXX XXXX, 2021 XXXX XXXX - XXXX XXXX, 2021 XXXXl XXXX - XX/XX/ 2021 2021
Product: Credit reporting or other personal consumer reports

Contacted the collection agency requesting all information they have showing proof to me as the owner of the delinquent account. Was told they have to request it from the original creditor the account was initially opened. Been several weeks no response. Disputed it with the credit agencies and within a 2 day investigation I'm told all the information was found accurate and correct with no errors. My email was part of 3 separate data breaches with one breach being the credit agency at the same year I started disputing this account.
Product: Credit reporting or other personal consumer reports

This is a violation o

f 15 U.S.C 1681 eb This is a hinderance to my credit report this is inaccurate and I would like it to be removed. I have attched file uploads to show the inquirees I have received from improper use of my credit report! I have uploaded pictures of the open accounts that I use to show you that the inquires that was made on my credit report was not from me!
Product: Debt collection

I received a letter in the mail today about my wages being garnished after a judgement was files against me by Portfolio Recovery Services LLC. I never received notice of a court date or of being sued for any unpaid debt. This debt was bought by them in XXXX  and I was unaware at the time that I had any debt with them previously. I barely make enough to have food as it is, if they are able to take my wages my daughter and I will barely be able to afford to live. Im terrified and angry that these people think its okay to target low-income families for a debt I was not even able to verify.
Product: Credit card or prepaid card

On or about XX/XX/2020 my Master Card was charged for a purchase I did not make or receive. my card was charged for {$60.00} by Paypal. I contacted Paypal serveral times and they would not send me any information concerning the transaction, i.e. what was purchased, proof that I ordered the item or proof of delivery. I applied for a refund but they denied my request two times. When I called to inquire about more information they would not take my call or make any attempt to give me the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.
Product: Credit card

Hello, my name is XXXX XXXX. I am writing as a result of poor customer service and account handling of Capital One. I Redeemed XXXX miles for a honeymoon flight. Unfortunately, we were forced to miss our flight due to an emergency XXXX. I required for removal of my XX/XX/XXXX. I called capital one to inform them that this trip with no longer be possible and that I could provide any proof necessary of my XXXX I called on XX/XX/XXXX and was directed to call the airline to have this taken care of. The airline, however, referred me back to capital one. I called again on XX/XX/XXXX and spoke with a supervisor, XXXX, who refused to escalate my call further, and was adamant that he was the only person who could handle the situation. I requested the office of the president many different times during this call I did not receive any empathy for the situation and asked if this is worth losing a XXXX year customer over, to which they replied this is not our intention but we understand. I was not provided any specific terms that justifies refusal to reimburse me for the full amount of the flight that was missed. I tried to rectify this after the XXXX and before the flight was scheduled to take place. I feel that the stress the situation is causing me is a direct result of inadequate training and lack of people skills amount this company.
Product: Credit card or prepaid card

I had an amount due on XX/XX/2022, for {$220.00}. I made thus payment a few days late, and per the cardholder agreement, no late fees were charged. However, my balance was only reduced by {$38.00}. Let me repeat, a {$220.00} payment only reduced my balance by {$38.00}. My loan balance was {$4600.00}. My APR is 23.95 %. I should be paying about {$95.00} each month in interest. The rest of my payment SHOULD be reducing my balance. Why was my balance only reduced by {$38.00}, instead of {$130.00}? There is something wrong. This has happened before.
Product: Checking or savings account

I am a XXXX XXXX XXXX retiree on Social Security and was a Victim of 2 Apartment Frauds through my Citibank Account 1st was a XXXXCitibank Fraud and Citibank helps the Criminals the 2nd was an Apartment Wire Fraud through my Citibank Account and Citibank again is of No help. 

Then Citibank FROZE my account I am a XXXX XXXX XXXX retiree on Social Security my SS goes to Citibank and they Froze my Account I can not pay rent, buy Medicine or even food I have NO ACCESS to my SS Funds for over a Month. 

Citibank Lies said they sent a Letter to verify me it came with no reference I even tried going into a Citibank Brance with my Passport, Drivers License, SS card, Medicare Card and Birth Certificate they will NOT help me close my Account. 

Not only did I become a Victim of Fraud Citibank has Locked me out I am Homeless because of Citibank. For GOD sake please help me. Account Number # XXXX