23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX TransUnion and XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

HI CCS CREDIT COLLECTIONS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.
Product: Debt collection

American Enterprises I begged the reps to come pick up the vacuum cleaner for months. They continued to try to sell it to me after I consistently told them I didnt want the product. Several months later they decided to come pick it up. They then charged me for it and reported it as a delinquency on my credit report.
Product: Student loan

See Complaint XXXX it was sent to a company with almost the exact same name and was denied as a result. I am resubmitting under a new complaint.

I met the requirements for the ability to benefit False Certification to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.

Moreover, I only filed one False Certification. After it was denied by National Recoveries the Department of Education automatically denied it as though I submitted it twice. This is also illegal.

Lastly, when I called to ask for a fair payment arrangement I was denied. This is also highly illegal.
Product: Debt collection

I was called by an agent of XXXX XXXX XXXX XXXX XXXX, who stated that they were attempting to collect a debt to PayPal in the amount of {$98.00} and change.. 

I checked my PayPal records going back 3 years. There are no transactions listed in the {$80.00} to {$100.00} dollar range.
Product: Checking or savings account

My bank account was closed XX/XX/24 around XXXX without any notice given to the consumer. I called in after receiving a voicemail that their was a " security concern. '' I was then told by a representative that my account has been closed and within 60 days I would receive any funds that were in their by check in the mail. I spoke with a supervisor during that same phone call, that I placed at XXXX and was on the phone for 40mins and 55seconds, and she submitted a dispute for the account closure and said I would have to wait 3 business days to receive an update. Neither representative for USAA would tell me why my account is closed and there is over $ XXXX dollars now tied up and I have been banking them for years!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items that are still on my report. I'm really trying to help my mom get a car so she can help with my kids school activities. I have already reached out to the FTC and my local police about this. Please have XXXX and a Bankruptcy off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  posted two negative accounts on my credit report for a student loan that I don't know anything about. The first time when their representative called me to pay XXXX for student Loan, she asked me for my birth date. I said I don't have any account with XXXX I never signed any application form for student loan with XXXX. Please, send me the application form that I signed for Student Loan with XXXX. 
The second time, I spoke with XXXX from XXXX. XXXX asked to send my signature to XXXX. I sent the color copy of the first page of my valid passport with my signature, the color copy of my social security Card with my signature and the copy of my driver license with my signature. 
After receiving those copies, XXXX told me they need a more recent copy. I said I do not have recent copy. 

Despite my effort, XXXX is keeping two negative accounts on my credit report. I think It is predatory to mess up the credit report of a customer without verification Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX sent a letter to me on XXXX XXXX, XXXX regarding an alleged medical debt. 

The company stated in the letter that unless you notify this office within 30 days after receiving this notice, that you dispute the validity of this debt or any portion thereof, this office will assume the debt is valid. 

**THEY DID NOT GIVE ME THE 30 DAYS REQUIRED to dispute, before they added this debt to my credit report on XXXX I immediately reported this company to the BBB who received a comment from the company that they world refer this debt back to it's partner XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

I also called the company on XX/XX/2020 and disputed the validity of the debt to which I was advised it would be taken care of by referring it back to XXXX XXXX XXXX XXXX XXXX ** but did not remedy me by removing the information it has placed with the credit bureaus. *** I disputed the collection account with Experian who just sent me a message saying they verified the debt and will not be removing it from my report. I challenge this as I believe the company has violated the Fair Debt Collection Practices Act as well as the Fair Debt Reporting Act.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX - FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXXXXXX XXXX XXXX  - XXXX - Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Product: Money transfer, virtual currency, or money service

Binance US charged me twice back in XXXX when purchasing their BNB token. Two charges of XXXX dollars, so I contacted my bank and had them reverse one of them. A week later my account was disabled, and funds frozen on their platform. I finally got in touch with someone after three weeks, and it took another two to resolve my initial issue : getting my account enabled to make purchases again. However, to enable my account, I had to deposit the same XXXX dollars that was reversed by my bank. THIS MEANS I AM STILL OUT XXXX DOLLARS. the customer representatives XXXX XXXX XXXX have not been responsive when being asked where my " precredit '' is, a term they mentioned before disappearing. I am owed XXXX dollars by this company.
Product: Money transfer, virtual currency, or money service

I exchanged virtual currency for USD using Coinbase 's service. I requested a withdrawal of {$230.00} on XXXX XXXX, 2017. They debited my exchange account and told me the wire would arrive in my bank within ten business days. It has now been a month and I still have not received my funds. I have opened multiple support tickets with Coinbase but they have been completely ignored.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Since Capital One and Kohls became under the same umbrella - I have a repeated issue with my card account sending me a notification that my account is locked. I am unable to reset it through my phone app. It is not being locked due to ME logging in to the account. I could not remove the lock from my cell phone app for Capital One. I previously worked with them to get back into my account and get a late fee reversed and they were able and willing to do that. When it happened again in XXXX, I was told there was nothing they could do for me. I was repeatedly told there was nothing they could do and that they did not have anyone I could speak to who could help. No one in the entire company of Capital One could speak to me about getting a second reversal of a fee. I asked what would happen if a fee was incorrectly assessed and the XXXX  manager XXXX told me that a ) that never has happened before and b ) there was nothing that could be done and that it was my fault for not working around the issue and calling in with payment. He said there was nothing they could do to keep that from happening again. Out of frustration and repeated threat of disconnecting the call unless I had a new issue which had already been connected to three reps over an hour and 20 minutes, he then told me he would send me to digital services but that there was nothing they could do either and that person immediately helped do a reset of my user name and password to keep the issue from happening again. It is a fee caused by issues outside of my doing and I feel there should be a department/agent/team who would be able to take a case by case decision on a fee reversal. I have been a consumer of this product for decades and found the representatives to say they can do nothing over and over again when that is actually a policy read off a screen and not a fact. They have to have someone you can talk to in order to dispute a fee assessed for a technical issue. Instead, they are robotic in saying they understand, they feel it is not a good experience, there is nothing they or anyone in the entire organization that can speak to it, nothing that can be done and it is my issue for not handling their issue by spending more of my time and effort to work around it. They have repeatedly asserted that no one in all of Capital One can reverse a second fee, that it does not happen and there is not a single
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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: Debt collection

Spoke with XXXX XXXX XXXX Diaz and Associates who I feel misrepresented the dates of the XXXX fitness debt. He states it was from XXXX with a last payment being made in XXXX but we feel that it was done more in XXXX when my husband was a minor and no payments were made after his mom informed Ballys he was not of legal age. XXXX XXXX of Diaz and Associates was rude and condescending and apologized to my husband for what he had to deal with everyday living with me he also stated he allowed me to speak. I want no contact with this extremely misogynistic company ever again for a perceived debt that is 36 years old. He also asked that we provide documentation showing we dont owe this debt.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I had contacted the debt collector to negotiate a settlement and begin paying my debt that I was owed and he threatened me that I was in pre-litigation status and I had to pay this month. If I don't pay it will be forwarded to a legal attorney for judgement. I had to tell them I can't pay this month, it had to be next month because thats when I will get paid. The threats were not necessary for someone willing to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit report I notice the availability of increasing or boosting my credit rating by linking the Experian file to my bank account. After some hours looking for my XXXX XXXX bank names ( I have 2 ) I decide to chat with csutomer service in order to determine the ommision. 

During my conversation with Experian customer service it arises that XXXX XXXX  are usually not listed because they are in the island. Only those with international operations are included such as XXXX and XXXX ( both sold to XXXX XXXX ) and XXXX XXXX. Some credit unions with mainland operations are also listed. But all of the others are not. 

Since our local banks are subject to the same Federal Laws and the island bank industry used these credit reports to approve credit, we are at a disavantage to any American cotizen living outside XXXX XXXX. We can not increase our credit standing with the available tools, and that is basically pure discrination, resulting in higher rates for credit lines, credit cards, loans and mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account No. XXXX Balance : {$0.00} Account Name : : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Account Name : : XXXX XXXX Account XXXX. XXXX Balance : {$0.00} I would like to say first of all that this is a formal complaint against Equifax, XXXX, and XXXX. For the last XXXX months, I have disputed the accounts stated above to the credit bureaus and the debt colletors to ask for a reasonable investigation of the accounts. For the very reason that these accounts are reporting inconsistently in all three bureaus which has caused me distress because I couldn't get approved for credit. 

I have asked the credit bureaus to correct the reporting of XXXX XXXX XXXX. The date of last activity in XXXX  is reporting XX/XX/XXXX, while XXXX  is reporting XX/XX/XXXX. This information should be reporting the same in all bureaus correct? So how can they not correct this problem? If they can not properly validate these accounts, it should be fair that these problematic accounts are removed immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX OF XXXX - XX/XX/XXXX : XXXX  # XXXX - XX/XX/XXXX : XXXXXXXX XXXX - XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

Several accounts reporting as " Charge Off '' Per IRS Publication 4681 " Charge Off '' are deemed as COD " Certificate of Debt '' and is considered as income. IT IS A VIOLATION TO REPORT A CONSUMERS INCOME.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I initially filed a dispute about this debt with all XXXX credit bureaus. I received a response saying that this debt has been verified, but I have no idea how. They have shown no evidence that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company do not acknowledge a freeze or unfreeze when it come to my credit. Anyone seem to check my credit even when there is a freeze on my credit file.