23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been making online payments for my mortgage since opening an account with the money source. Directly after making a payment the money source send notification confirming that a payment has been processed. Today for the first time in history with this company. I received notification in the mail stating that my payment was returned for nsf and since this has happened multiple times. I now have to send certified funds. 

I contacted the company to try and rectify this issue. And was only met with argument from the manager and customer service agent. According to him their system shows that I was notified. However when logging into their system there is no record of such notification on my side. I am attaching a copy of the letter received in both email and online. As well as a screenshot which shows all documents and communication from the money source received to date. The issue is that certified funds and wire transfers are a huge inconvenience and will cost me additional money. We are currently in an economic crisis. And the company is penalizing me for their lack of communication and poor customer service.
Product: Debt collection

I file police report gave them them copy of police and made dispute of fraudlent.
Product: Credit card or prepaid card

On XX/XX/XXXX a charge was made to my account for over {$18000.00} from XXXX XXXX. The charge was due to an error made on XXXX XXXX end ( ultimately XXXX upper management agreed with me that it was a mistake ), but Chase failed to impartially review the information and make the same conclusion. They validated the Charges twice despite two disputes and copious evidence. 

I called to inform Chase that the charge was unauthorized ( as in I did not purchase anything from XXXX, though they did have my credit card on file ). They opened a fraud case which eventually became closed as I did provide the credit card information to XXXX. 

I re-disputed the charge, and making a statement that XXXX switched my account to a paid service without authorization ( I was using a service under XXXX that was covered by usage credits they had granted me ). I submitted copious documentation showing the invitation email, the terms of the monetary credits, and my usage of the credits under their " sponsorship plan ''. I showed that the plan was switched to a paid account without my notice or authorization. 

Chase again closed the dispute as a valid charge, despite the evidence. Their stated reason for marking it as valid is that I had received services. My primary claim that I did not even sign up for the paid services in the first place was ignored. I provided documentation that my credit card information was provided for the sole purpose of activating a special sponsorship subscription plan in which monetary credits would cover 100 % of usage costs. The agreement specifically outlined the *only* two cases under which the plan would be converted to paid plan, and neither of those conditions had been met to warrant switching to a paid plan. I showed them that the plan that I signed up for was switched by XXXX employees to a normal paid subscription plan without my knowledge or consent. 

I had then called in to tell them that I was making a claims and defenses dispute with my evidence. The product advertised ( usage of their service under monetary credits ) was not received as per the agreement for providing billing information in the first place ( they had switched the plan from using credits to being fully billed without my knowledge, authorization, and in violation of the agreement for signing up for the service ). Multiple agents on repeated calls informed me that I could not make such a dispute, and that if it was not a billing error with an explicit receipt showing that XXXX charged the wrong amount, then they would not investigate. I informed them that federal law requires them to investigate claims and defenses, to which they ( paraphrased ) responded " I can not advise on legal issues ''. 

Furthermore, during this whole process, and despite XXXX upper management ultimately reviewing the same documentation provided to Chase and siding with me ( they issued a refund ), Chase reported the amount due to credit agencies which informed me that my credit score was lowered. Chase disputes representatives also repeatedly  denied me my rights to a claims and defenses dispute by denying any knowledge of this federal law.
Product: Credit reporting or other personal consumer reports

I never recalled being late on any of these accounts. I am 100 % sure that I was never late on any accounts. However, XXXX, XXXX, and Equifax is reporting lates on the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and these creditors are reporting inaccurate information and neither of these credit agencies is verifying the accuracy of this incorrect information. 

Also, there is XXXX inquiries that is not mine or wasn't authorized by me and I need these inquiries removed from my credit file for this fact. The following inquiries was not authorized by me 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

Continuous willful violation of my consumer rights. Failed to present original creditor.
Product: Prepaid card

My account does not correctly show my actual balance and i cant use my card
Product: Credit reporting or other personal consumer reports

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 15 USC 1602 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1666 b 15 USC 1681e ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 6802 15 USC 1692 ( C ) Privacy Act of 1974 Family and educational act of 1974 codes and infractions each reporting company has violated on behalf of the FCRA and privacy act of 1974 & family educational act of 1974
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX. 
My correct address is : XXXX XXXX XXXX XXXX XXXX FL, XXXX My employer is : XXXX XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report ongoing .. There 's a collection Agency. . National Credit  Systems.. A Balance of {$5000.00} ... Opening date    XXXX   XXXX    , 2016.. Th at 's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it 's showing as if the collection is new.. And it 's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. And  all have done so except   XXXX   ... I have not lived at this address or apartment complex ...   This is Really starting to be a pain.. Because what they are reporting is not accurate and it 's Fraudualant..
Product: Debt collection

LVNV sent notice regarding an account at XXXX XXXX XXXX  on XXXX, XXXX from XX/XX/XXXX for {$2100.00}. My daughter ( XXXX XXXX ) informed them that this was not my debt as I had never had an account/card with XXXX XXXX until now. She told them that we required proof that I had opened this acct. We have not heard from them about this account to date. 
On XX/XX/XXXX, I received a notice from LVNV regarding an account from XXXX bank for {$1100.00} from XX/XX/XXXX. I had previously informed them that I knew nothing of this account and this time I am going to inform them again that I did not have an account with this company and request proof of who opened the account.
Product: Money transfer, virtual currency, or money service

XXXX XXXX sold an item online ; she received payment by check on XX/XX/XXXX. The check was for more than the item she sold ( {$1900.00} and the item sold was for {$660.00} ). 

On XX/XX/XXXX XXXX sent via the XXXX app ( from within the Bank of America app ) the sender {$1300.00} ( XXXX XXXX ). 

Later that day Bank of America reversed the deposit ; a claim was filed with B of A ; B of A claims the transaction was valid on their end and XXXX is not their responsibility. 

B of A has the information of the recipients bank account but will not release this. A police report has been filed as well. 

B of A takes no responsibility for the XXXX platform used on their App.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I had a XXXX XXXX XXXX XXXXXXXX ( Now XXXX, XXXX   Card ). They kept charging me fees and overcharging. I paid {$150.00} on XX/XX/XXXX, as final payment on a card balance of {$170.00}. I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX, to get them to address the problem and close the account. They never investigated the problem or issue. They sent it to collections to a company called XXXX XXXX represented by the XXXX XXXX XXXX  XXXX XXXX XXXX. When I sent them a demand and proved they should not have tried to collect the account, the entered a settlement not to sue them or XXXX XXXX for violation of state and federal law. As part of the agreement, the account was to be removed from my credit and a XXXX balance letter sent out. This is not a write off account this account was closed so I would not sue them. I have tried to dispute it several times, and all agency refuses to remove it despite the fact I have a signed agreement the account was to be deleted. I am asking the CFBP fine all three major CB for willful violations of the FACT and other consumer protection law.
Product: Vehicle loan or lease

I am a XXXX employee and have been furloughed many of times in which I notified XXXX and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.
Product: Debt collection

This collection company continues to violate my consumer rights and continue to lead the credit bureaus on an well with the information I have below. 
Also the buruea has and inaccurate address attached to it to show even more proof of the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XX/XX/XXXX XXXX XXXX was billed in the amount of {$230.00} for alleged XXXX  2. Once billing received XXXX and XXXX XXXX provider were contacted multiple times with no success. XXXX promised to remove billing based on medical insurance EOB for the claim but never acted upon it. 
3. The doctor 's office on multiple occasions called medical insurance provider from XXXX - XX/XX/XXXX and XXXX during same period to get the erroneous billing removed/corrected with no success despite promises to correct 3.On XX/XX/XXXX the Collector/XXXX/XXXX   were contacted by XXXX XXXX XXXX XXXX, Attorney-At-Law to verify the debt ( see atatched ). No verification of the debt was provided to-date under Section 809 of Fair Debt Collection Practices Act. 
4. The collector unlawfully proceeded to report derogatory information on credit reports subsequent to XX/XX/XXXX, without providing a response or the required verification of debt to the legal counsel. 
5. The debt seems to be sold/transferred to different collection agencies to bypass legal responses to attorney to verify debt and buy time and then eventually reported as collection activity on credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 a 30 day late payment was reported. We had contacted XXXX XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and XXXX  XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.
Product: Debt collection

This notice is for Employees at Toyota Financial Services Banking Institution and XXXX XXXX at XXXX  [ XXXX XXXX XXXX, XXXX ] Please answer the following questions : Question 1. Who is the debt collector and whos making the claim of a debt being owed? 

Question 2. Who are the witnesses of the debt alleging to be owed? 

Question 3. Did you advertise that you provide loans? 

Question 4. Are you the account holder? 

Question 5. Im I the trustee? 
If I am the trustee then Im requiring to be compensated monthly starting from the inception of the account. Trustee pursuant to the XXXX XXXX dictionary are to be compensated. 

Question 6. Im I listed as an employee of Toyota Financial Services or any entity tied to Toyota Main Corporation, its all of its entities and all of its subsidiaries? 
If so when was the interview held for employment, whos my immediate supervisor and when was the salary which would be compensated to me discussed? When were the the benefits and perks discussed with me which should be available to me as first in line as an employee?
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ) .EXPERIAN IS IN VIOLATION OF THE CONSUMERS FEDERALLY PROTECTED RIGHTS. 15 U.S. Code 1681b - Permissible purposes of consumer report STATES YOU CAN FURNISH INFORMATION ONLY ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EXPERIAN MAY NOT FURNISH ANY OF CONSUMER 'S NON PUBLIC PERSONAL INFORMATION!! POLICY OF CONGRESS STATES EACH INSTITUTION MUST PROTECT THE NON -PUBLIC PERSONAL INFORMATION OF CONSUMERS AND CONSUMER MAY ALSO EXERCISE THEIR RIGHT TO OPT OUT!! I, HEREBY EXERCISE MY RIGHTS TO OPT OUT OF THE FOLLOWING REPORTING AS I HAVE NOT PROVIDED ANY WRITTEN CONSENT TO EXPERIAN TO FURNISH CONSUMER 'S NON PUBLIC PERSONAL INFORMATION. YOU HAVE NO PERMISSION TO FURNISH CONSUMER 'S INFORMATION AND FAILED TO PROVIDE MANDATORY OPT OUT DISCLOSURES, THEREFORE UNTIL YOU CAN PROVIDE THE PROPER DISCLOSURES AND PRIVACY NOTICES, CONSUMER ELECTS TO HAVE INFORMATION REMOVED FROM CONSUMER 'S CREDIT Report Number XXXX. COMPLETELY HAULT YOUR FURNISHING OF THE ESTATE 'S NON PUBLIC PERSONAL INFORMATION, UNTIL FURTHER WRITTEN NOTICE OUTLINING EXPLICIT PERMISSION AND CONSENT FOR THE USE OF CONSUMER REPORT FOR A CREDIT EXTENTION OR TRANSACTION INITIATED BY THE CONSUMER. PURSUANT TO 15 USC 6508 & 15 USC 6802- CONSUMER HAS THE RIGHT TO OPT OUT OF ANY REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX  all Credit Reporting Agencies there is an age out account on my credit report ending in # XXXX. The account owner is XXXX XXXX. In XXXX the account was closed in good status and fell off my credit reports because statue of limitations. Here comes your client XXXX XXXX XXXX bringing back the same account in the name of XXXX XXXX  with a new Reporting.Date of XX/XX/XXXX against the FCRA. 
I am sending you my billing statement with XXXX XXXX with account ending in XXXX which use to appear on my credit report in XXXX but aged out. Remove the age out account XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I received your response XXXX ( XX/XX/year> ) that you need my updated email address which is ( XXXX. ) I sent a complaint to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX XXXX  days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # 's XXXX ; XXXX & XXXX. I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello over the years I been trying to dispute these account XXXX have not provided me with correct information nor answer me within the 30days time frame this is holding me back from getting my home Im trying to purchase a home As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( Equifax violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled an Employment Data Report which indicates XXXX XXXX has reviewed my information monthly for the past year. 

The information on the report and the information I have reviewed on XXXX XXXX do not match. The company is not utilizing my information correctly
Product: Checking or savings account

On XX/XX/2023 I went to the Randolph Brooks Federal Credit Union at XXXX XXXX and XXXX XXXX XXXX I went into the branch to deposit {$450.00} to my checking account. I handed teller XXXX my Drivers License and cash. Upon reviewing my account she mentioned that she was going to update my profile with my drivers license expiration date and issue date. I asked the teller for the purpose of storing that information and she mentioned it was for Compliance reasons. 
I am pretty familiar with the Bank Secrecy Act and the XXXX profile requirements. Upon inquiring why I hadnt received notification or been given the opportunity to opt out of providing my drivers license details a second teller came up and told me storing this information was a courtesy. 
The courtesy was for customers in the event they lost their ID and needed to withdraw funds from the account. I mentioned to both tellers Ive been a victim of identity theft and I do not want my ID information release to anyone for this purpose. I am fine with complying with regulations, however I am not comfortable with employees being able to have access to that level of information. 
I was then mocked and told other customers like it when the credit union is able to go above and beyond. I told the teller as I am a victim of identity theft I am very uncomfortable with anyone being able to walk in and have access to my account because the Credit Union has taken it upon itself to go above and beyond. The teller with the short blond hair then, in a condescending tone said well other people are fine with us going above and beyond as if my concerns of being an identity theft victim was absurd. 

I filed a complaint over the phone and requested to speak to a XXXX about my concerns and desire to opt out of this above and beyond service. Ive not gotten a hold of XXXX or her co-manager XXXX and have such have caused me to send this formal complaint to ensure my concerns are addressed. 
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Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

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 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 have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding the persisting negative accounts on my credit report. I remain deeply concerned about the recurring nature of these disputes and the lack of a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. 
The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor 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 alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$36000.00} ; XXXX XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXXXXXX 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