23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account 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 also states a consumer report agency can not furnish an account without my written instructions. 

The company also refused to validate the debt and send me proof the balance is accurate in writing on our phone call on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX  XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX  XXXX
Product: Debt collection

I told them multiple times to stop calling me in the past and they continue to call me including one time late at night recently even though it says on XXXX that my account with them is closed.
Product: Credit card or prepaid card

My Citi XXXX XXXX  Card statement showed a charge dated XX/XX/05 from XXXX XXXX GA for {$6500.00} which I did not recognize and had not authorized. On XX/XX/XXXX I disputed the charge. Citi immediately closed my card and issued a new one. I was not provided any information about the status of the dispute until I received a letter dated XX/XX/XXXX, stating that the dispute had been closed for insufficient information. They said that they had previously reached out to me for information, which was untrue. I sent them a letter on XX/XX/XXXX asking when my account would be credited, but have not received a reply. The disputed charge is still included in my current statement, plus interest.
Product: Credit reporting or other personal consumer reports

MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT ... IM REALLY SICK AND TIRED OFTHESE XXXX. SHOULD THERE BE ANY UPDATE ON MY INQUIRIES, IM GON NA GO TO COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, BRCLYSBANKDE XXXX Date Opened : XX/XX/2019 Balance : {$2700.00}
Product: Credit card or prepaid card

I had a total of 8 accounts with Synchrony bank for a number of stores. I was never late on a payment and always paid on-time and often paid more than the minimum amount. due. To my dismay, I logged in to pay on one of my accounts and found that all my accounts were simultaneously closed for no apparent reason. My credit score didn't drop, I wasn't late on any of my other credit card accounts or car payments, nothing. I called Synchrony Bank once I learned about the account closures and they would provide me with no information whatsoever on why they made this decision. The account closures happened about a week after Synchrony gave me a balance increase on one of my accounts ( meaning I was in solid standing with them ).
Product: Debt collection

LVNV FUNDING in the amount of XXXX I do not know or ever heard of this company and as a result they have it reporting negative remarks on my credit which has resulted in my score dropping and being denied my credit securities which is a violation in the FCRA. I never opened any accounts on XXXX XXXX
Product: Debt collection

american first finance keeps reporting balance of me having to owe them XXXX dollars as of XX/XX/2022. XX/XX/2022 they responded to a previous cfpb complaint that the account was paid in full with a monetary relief. now i am asking them to not only stop reporting this account but also refund me all of the money they took from me and to give me the monetary relief they promised that i never received.
Product: Credit reporting or other personal consumer reports

I was dismayed to find unauthorized inquiries on my credit report this evening without any explanation. I regularly check my credit report, but this time, unexpected discrepancies appeared out of nowhere. Despite refreshing my browser multiple times, the unauthorized inquiries remained. I urge a thorough review of the documents I've provided so I can have peace of mind moving forward.
Product: Debt collection

I need your assistance with the following. Thanking you in advance for your help. 

Complaint # 1 On Monday, XX/XX/XXXX, the law office of XXXX and XXXX in XXXX XXXX NC ( XXXX ), served me with a Civil Summons concerning a debt. I called the office and spoke with a XXXX XXXX about the Summons and he informed me that they were representing a company called XXXX XXXX XXXX Fresh Forward Flow for a back debt. I asked him what the debt was and he informed me that he did not know. He told me if I did not pay the debt, the company that they were representing could take property from me. I asked him to send me information concerning the debt. In the meantime, the following information was listed in the Civil Summons. 

The debt ( whatever it is ) is as follows : {$3000.00} Principal Interest 23.9 % from XX/XX/XXXX ( {$4000.00} ) Attorney Fees - {$460.00} Total= {$7700.00} I received a letter on XX/XX/XXXX concerning the request for an explanation of the debt and the letter contained the same information that was contained in the Civil Summons above. I wrote a letter to the Law Firm on XX/XX/XXXX requesting the following information : The Original Creditor What the debt was Age of the debt Address and phone number for XXXX XXXX XXXX and XXXX Fresh Forward Flow. 

A copy of the letter to the Law Firm was filed with the XXXX XXXX XXXX of Courts Office in XXXX XXXX NC. 

I will update when I hear from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have submitted several letters on XX/XX/20XXXX XXXX XXXX requesting for accounts to be removed from my credit report. I've also requested for an investigation that was done when the allegations from Experian stated they verified the accounts. I have not received any letters or any updates from Experian. This violation of FCRA Conducting sharm investigations that fail to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when that response was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable by Experian. FCRA 's requirements. Dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Under, 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights. 
15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 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. '' ( Furnisher of information to credit agencies ) 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. I am requesting for these accounts to be deleted Immediately, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance regarding a matter with the three major credit bureaus ( XXXX, XXXX, and TransUnion ) and the inaccurate reporting of an account on my credit report. 

The creditor associated with the account [ XXXX XXXX XXXX ] issued an IRS Form 1099-C for the account, which signifies that the debt has been canceled. Despite this, the credit bureaus have not updated my credit report to reflect the corrected account balance of {$0.00}. This account has been paid off, and the balance should reflect accordingly. 

To address this issue, I have taken the following steps : Contacted the Credit Bureaus : I filed disputes directly with the credit bureaus, but the reports remain unchanged. 
Provided Documentation : I submitted proof, including a copy of my IRS transcript Despite my efforts, the account information remains inaccurate, which negatively impacts my credit score and financial standing.

I am requesting the Consumer Financial Protection Bureaus assistance in ensuring the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and accurately update my credit report to reflect the canceled debt and {$0.00} account balance.

Enclosed, I have included copies of the following documents for your reference : IRS Form 1099-C issued by the creditor Copy of my IRS transcript Thank you for your attention to this matter. I trust the CFPB will assist in resolving this issue promptly.

Sincerely, XXXX XXXX
Product: Prepaid card

A {$50.00} American Express XXXX XXXX was purchased for me on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, FL. I received the card as a gift one week later. Since then, every transaction I have attempted with this card has been declined, but not for lack of funds or error on my part. 

Purchases were attempted at XXXX, XXXX different gas stations, a XXXX XXXX, a XXXX XXXX XXXX, and at two other online vendors. All failed. When I contacted American Express customer service on XX/XX/XXXX, I was told that the card was fully functional, and that I should seek out different vendors if the card was not accepted there. I have yet to find any vendor that accepts this card, and my experience is similar to hundredsif not thousandsof other card recipients online : XXXX XXXX XXXX We are all told that our cards are fully functional, yet they are not functional at nearly any vendor. This issue is not seen with XXXX and XXXX prepaid cards.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 i was victim of a fraud where i tried to reach out XXXX customer service and ended up calling a spoofed number XXXX XXXX XXXX that presented to me as XXXX but it was a fraudsters call center. They also gave me the number XXXX XXXX XXXX. 

I asked that i wanted to process a return and they induced me to use XXXX setting up a recipient on my XXXX account to emails below : XXXX XXXX I ended up sending {$1300.00} to XXXX with transaction number XXXX. I have a police investigator working this issue ( Police report : XXXX ) and requested XXXX to provide the recipient bank that resulted to be Regions bank in Alabama. Police is asking now Regions bank to give details of the account owner that received the funds and we request to have the funds returned because they are fraudsters and they are stealing money from people.
Product: Mortgage

Back in XXXX I tried desperately to save my family 's home and ended up losing it along with my marriage. 

I was stricken with anxiety and my whole life collapsed because Wells Fargo refused to allow me to 1 ) short sale my home and 2 ) refused to answer any of my letters and refused to allow me to save my home. I sent them all documents showing I was employed and was trying to save my home before they ultimately foreclosed my home. I worked tirelessly with XXXX and the Courts to show them WellsFargo illegally took my home from right under me. Of course, taking a " Big Bank '' to court was futile and I lost all of my money and retirement money trying to do so.
Product: Debt collection

Not enough information to very debt : In XXXX, XXXX and XXXX of 2019 I requested that IC SYSTEMS INC verify a debt according to the FCRA section 609 ( a ) ( 1 ) ( A ) -through the physical verification of an original signed consumer contract for an alleged debt of $ XXXX.So far they have only responded with verified as accurate but have failed to produce the documents required under the FCRA. By continuing to do so they have caused severe damage to my credit, and my next course of action is to take legal matters with the courts which I am entitled to under the FCRA and according to the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were not my inquiries, identity theft.
Product: Credit card or prepaid card

The account in dispute is a Business Credit Card account through JP Morgan Chase Bank. I left the business and my former business partner agreed to take ownership of the credit card account. The transfer paperwork was signed and submitted to JP Morgan Chase Bank over six months ago. JP Morgan Chase is still harassing me about the credit card and refuses to transfer ownership to my former business partner.
Product: Checking or savings account

I tried to give access to XXXX XXXX  and it was not cleared with PNC bank, I cant receive money from XXXX XXXX
Product: Debt collection

I get 1-2 phone calls a day about an alleged debt I owe. I contacted them and informed them that they can not call me more than 7 times within 7 days. They continue calling even while apologizing over calling so many times
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting an incomplete and inaccurate credit report I have asked to all the information on be updated to the most recent or remove all negative.
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 Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 It also states that consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) 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, credit repair services, or other personal consumer reports

The company Equifax said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party company
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public law 91 506 title vi section 611 subsection A-D provide the names and business addresses of each individual with whom you verified the above account, so that I may follow-up. Please send me an updated copy of my report after your reinvestigation.
Product: Debt collection

CITIZENS BANK BROKE THE LAW AND COMMITTED IDENTITY THEFT!!!!! PLEASE READ! 

Citizens bank has broke the law and continues to violate my federally protected consumer rights under the FCRA AND FDCPA. On XX/XX/2022 XXXX XXXX stole my vehicle through an illegal repossession by XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Citizens Bank. I never signed any contract with XXXX XXXX XXXX  or XXXX XXXX. I never gave consent for Citizens Bank to share my personal information with either of these companies. No consent is IDENTITY THEFT! Not only did I not give consent to share my information but upon doing research into XXXX XXXX XXXX I found that this company runs skip traces on consumers. I have provided a copy of the " alleged contract '' and no where in it does it mention XXXX XXXX XXXX XXXX XXXX or being subject to a skip trace. After this direct violation Citizens bank failed to send proper notification of repossession, notice of sale and the deficiency notice to me which they admit to in a letter I attached. In a letter I have a attached from XXXX XXXX she states that the vehicle was repossessed on XX/XX/2022 but I have provided proof from XXXX XXXX that the vehicle was in fact repossessed on the XXXX. In a letter I have attached XXXX XXXX shows a call on XX/XX/XXXX in which I spoke with a representative. That was the day after repossession and I gave the agent my updated address which was XXXX XXXX XXXX XXXX, XXXX XXXX. I have provided proof that citizens bank did in fact have my updated address from a letter sent pertaining to a copy of the " alleged contract '' I requested. I have become aware that Citizens Bank was involved in a class action lawsuit for failing to send proper documents to consumers. After filing a complaint on citizens bank they responded with a letter I have attached and demanded payment. In this letter they state that they are attempting to collect a debt but do not give notice that I have the right to dispute the alleged debt. In this letter they mention XXXX XXXX XXXX. Again Citizen 's Bank has committed identity theft by sharing my personal information without my consent. In the " alleged contract '' provided I never signed anything with XXXX nor are they mentioned. In this letter Citizens bank tries to collect two different amounts {$9500.00} and {$7400.00} but neither of these numbers reflect what's being reported on my credit report. Citizens Bank is in direct violation of my consumer rights and should be held accountable. XXXX XXXX states that Citizens bank must adhere to the fair credit reporting act but they are directly in violation of the law. I never gave written consent for this trade line to report in the first place nor was I given notice that I had the right to keep my information private. I believe that Citizens Bank committed conspiracy to keep required documents from me as well as produce fraudulent documents.
Product: Debt collection

XXXX ( XXXX ), is attempting to collect on a debt that fell off my credit report several years ago. This debt is over 15 years old, and they 've called me five times this morning. I ca n't get them to send me written verification of this debt, and the credit card account number does n't match the credit card number that I had with XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On the XXXX XXXX XXXX  I was sent an email stating that {$1000.00} USD was removed from my account with a phone number to call if I hadn't made this transaction. I called the number and they started helping me with a refund. They took control of my screen and started " fixing my problem ''. Turns out instead of sending that amount, they sent over {$10000.00} USD. They started saying that they made a mistake and that I had to give back the money. They explained that I couldn't send {$10000.00} USD because I had to make an IRS report for that amount, therefore I had to send over a lower amount of {$8900.00} USD. I was instructed to take the money from my account and to deposit it in a Cryptocurrency ATM. Since I didn't know where to find one they navigated me to Bitcoin Depot located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was at this location where I sent over the first transaction of {$8900.00} USD. The next day they said they'd committed another mistake, where they allegedly kept the original amount taken from my account and would be sending that over on that day the XXXX of XXXX. Yet again, instead of sending that amount, they sent over {$10000.00} USD. This time I sent over {$9500.00} USD the same way I did before. The next day, the XXXX of XXXX, I called the bank to clear up the situation. They called me in for a interview. During this interview I realized I was a victim of fraud.
Product: Debt collection

I do not have any agreement with Jefferson Capital Systems as well as received any notice to the alleged debt. Both actions from this debt collector are in violation with 15 U.S. Code 1692.

Ive attached a document that I have tried multiple times to get to Jefferson Capital Systems and did not receive any reply.
Product: Payday loan, title loan, personal loan, or advance loan

The car was total loss due to an accident. It was not the fault of the driver in my vehicle. I had insurance that covered the car but no one pointed me in the right direction. While this was happening I was struggling to past back the loan. I had to choose between feeding my kids or pay the loan. I had lost my job.
Product: Mortgage

I am submitting a Qualified Written Request because Cit Bank shows as servicer on XXXX eRegistry and they have not been named or mentioned in a current lawsuit.