23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Initial issue stems from use of my Best Buy CitiBank credit card. A transaction was made in-store and paid in full the following month of roughly {$320.00}. It was my understanding this account was paid in full. Evidently not. I received ZERO notifications indicating late or missed payments and somehow my bill was sent to collections in the amount of roughly {$650.00} after 9 missed payments. Again, with NO notifications. I called BestBuy and waited 45 minutes to talk with a rep who said she couldn't help me, so I asked for a supervisor. 5 minutes later she said I needed to call back because no supervisor was available. I call back and waited 52 minutes this time only to be told the same thing. Im unable to make a payment even if I tried and my online account has been deactivated. I have no way of clearing this debt, of which, I am contesting the amount owed and it's validity. 

I then contacted XXXX XXXX ( XXXX ) to see what information they had and spoke to a gentleman that sounded highly intoxicated, didn't identify himself as a debt collector and immediately asked for my full SSN. He wouldn't accept my full name, which seemed very strange and there was no way im giving my full SSN to someone that can not identify themselves, especially a company I don't know is even remotely valid. 

Please assist in finding details about this debt, who holds it and how to fully dispute the amount owed. My original transaction was only {$320.00} and I paid it in full at the time of purchase. How could my balance possibly be double the original purchase price regardless if payment was made or not?!
Product: Credit reporting or other personal consumer reports

I previously submitted a complaint that this account was incorrectly being reported as " Late '' on my credit report. The company responded that the account status had been updated to current, and that there was a " technical issue '' that caused the incorrect reporting on my account. The account status is updated to " Current '', however, there are still payments in the account payment history that are incorrectly being reported as " Late ''.
Product: Credit card

On XX/XX/XXXX Sunday Morning I stopped at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. I put my card ending in XXXX in the ATM, while my card being locked in the ATM I moved {$60.00} from my savings account. I selected unlock in the Chime app while also pressing {$60.00} to withdraw from the ATM. The ATM transaction failed and on the XXXX of the ATM it displayed in red letter " XXXX XXXX contact your financial institution ''. I noticed the {$60.00} dollars was removed from account however the ATM failed the transaction which is confusing. In a rush i reattempted the same transaction on my card ending in XXXX which was successful and a receipt was provided. The failed transaction did not furnish a receipt. My bank has refused for several month to provide me my fund and have such moved my fund to a private account and apply interest payment to eat up the available credit. This is unfair bank practice at its finest!
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Money transfer, virtual currency, or money service

I was caught up in a ponzi scheme and the scammer used PAYPAL as the mode to make the money transfer.
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. 
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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

Portfolio Recovery Associates failed to provide proof of authority to validate said alleged debt and assumed the role of debt collector ; they have no power to validate or state that I owe any alleged debt pursuant to 15 USC 1692 ( c ) ) ( c ) as the consumer I have the right to dispute or refuse payment of any said alleged debt. I have never entered into any agreement with Portfolio Recovery Associates, so there is no evidence I have any outstanding liabilities or obligations or any consumer transactions with Portfolio Recovery Associates. Under the doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporation powers is unlawful, making the contract null & void and Portfolio Recovery Associates only provided proof of contract were statements and transaction history which isn't a substitute for a wet signature contract. Portfolio Recovery Associates willfully committed fraud and identity theft by stealing and using my identifying information without my authority. As a consumer and natural person, I owe no debt to Portfolio Recovery Associates and want them help accountable for all the violations they committed ( see attachments for details ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Agency is reporting on my credit and it is not reporting correctly information I asked for a validation and I can not seem to get that I've asked that it be corrected the dates the original account does not showing you where it has all new dates all of that is incorrect if you ask for a validation then they should have to give you one and they have yet to do so nor have they fixed it incorrect information nor does it have the original dates on there the report that the block it is new to where it messes with my credit worse
Product: Checking or savings account

I am writing this because Navy Federal has charged me a lot of insufficient and overdraft fees due to the institution delay on withdrawals.
Product: Credit reporting or other personal consumer reports

I formally dispute the accuracy of my student loan information due to recent XXXX and FCRA violations, including unauthorized access to my records. 

Specifically, I allege violations of XXXX Unauthorized disclosure of my educational records to XXXX on XX/XX/XXXX., FCRA 15 USC 1681q My credit report was accessed by XXXX on XX/XX/XXXX without a permissible purpose, I did not authorize this access for credit, employment, or any other permissible purpose., and FCRA 15 USC 1681b My credit report, containing my student loan information, was accessed by XXXX on XX/XX/XXXX for personal gain which is not a permissible purpose under the FCRA XXXX I did not provide consent for this access.. 

I also invoke my rights under FCRA 15 USC 1681i, demanding a reasonable reinvestigation within XXXX  days of the following disputed items : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX These inaccuracies violate XXXX and XXXX XXXX laws. I demand immediate correction or deletion of all incorrect information. Please provide a written response within XXXX  days detailing your investigation and corrective actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I have been disputing two closed accounts that were a charge off but paid in full. These accounts are XXXX XXXX and XXXX XXXX. I have sent proof showing these accounts have been paid in full and both creditors have called XXXX and TransUnion asking them to update my credit report. Both payment status and account status reads charge off/collection which is incorrect. It needs to be updated to paid in full was a charge off. In the comment areas I can see both creditors saying paid in full was a charge off but XXXX and TransUnion refuses to change this. I'm requesting both these accounts to be removed from my credit report. I have disputed this by phone, on there website and by certified mail in XXXX, XXXX and XXXX. I have attached my current credit report along with certified letters and proof of both accounts paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was provided an approval for a loan, which I had already received several offers and pre-qualified. I submitted the necessary documents that were requested. I was then notified that I was unable to receive the loan even though I was " pre-qualified ''. I then notified a hard inquiry on my credit that I do not recall consenting to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( 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. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX XXXX Account # XXXX that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payments my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate and provide veriflable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

Send me an updated credit report with the lates updated as always on time 100 % payments never late
Product: Mortgage

After not paying my taxes for a year and half, they finally paid the taxes. This sent my Escrow account into the negative, which is understandable. They sent me a letter with the option to pay the escrow deficiency of {$10000.00}. The letter came with a coupon, which I returned with a check for {$10000.00}. This was posted to my account as a payment and the remaining went into principle. I called three times to get this correct before XX/XX/XXXX so I could make my XXXX payment at my original amount. Each time I was promised it would be correct and applied to my escrow account. It is still not corrected.
Product: Debt collection

To whom it may concern, I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities.

Credit Control LLC Reference number : XXXX on behalf of XXXXXXXX XXXX Account Number : XXXX I understand that you have been sending generic responses to consumer disputes and challenges, disregarding the specific information provided. This is illegal, as each case must be addressed individually. My letters were created using widely available software. Failure to process them violates 15 U.S. Code 1681i. Delaying based on third-party assistance is not legally justified. If you don't handle my letters promptly, it indicates intentional disregard for my consumer rights, leading me to seek legal action through my lawyer. 

Letter sent on XX/XX/year> of presumed debt not confirmed or validated attached.
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of my previous dispute and I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review and help me these items to be removed as soon as possible in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XX/XX/2021, I checked my credit report and noticed that Mohela hadn't updated my student loan information since XXXX XX/XX/2021. I paid the loan in full on XXXX XX/XX/2021. Since Mohela hadn't updated my credit report since XXXX XXXX, I disputed the information ( loan balance ) on XXXX XX/XX/2021. On XXXX XX/XX/2021, even though the loan had been paid in full, Mohela refused to update and give accurate information with the rationale that they weren't required to do so until the end of the month instead of accurately and truthfully answering a consumer credit dispute with accurate information. 

I have attempted to rectify this situation to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : In accordance with the Fair Credit Reporting Act XX/XX/XXXX BNK, 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Product: Debt collection

I keep receiving phone calls fro CFServices LLC, stating that they will contact my place of business and that my supervisor and or manager will have to sign documents and present them to me personally. i never heard of these people they do not specify who they are or what they are calling about. they have left threatening messages at my home, work and on my cell phone. 
its a recording that comes from a local number XXXX and tells me to call XXXX reference # XXXX and that if i do not they will serve me at my place of employement
Product: Credit reporting or other personal consumer reports

I'm so disappointed! Regardless of multiple written requests, the unverified inquiries listed below is still reporting on my credit report in violation of federal law. The XXXX and Experian Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove these inquiries completely from my credit 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
Product: Credit reporting or other personal consumer reports

Tired of being ignored month after month about inaccurate information which has never been verified to me after asking for physical proof. I am yet to receive proof but still this inaccurate information keeps reporting.
Product: Debt collection

I incurred a debt of approximately {$850.00} on a Target credit card issued by TD Bank. Shortly after the account became delinquent, TD Bank escalated the matter to legal action very quickly without significant communication or attempts to resolve the issue directly with me. A lawsuit was filed in [ Month/Year ], which added unnecessary stress and financial strain. 

I feel the process lacked transparency, as I was not given a clear explanation of how the amount was calculated or why the debt was sold to a third-party collection firm instead of allowing me to resolve it directly with TD Bank XXXX Additionally, I am concerned about the accuracy of how the account was reported to credit bureaus during and after this process. 

They initiated legal action swiftly after the account became delinquent. 
Ended up selling the debt to a third-party law firm for collection, with minimal communication or explanation provided to me. 

I attempted to manage the debt but was not given adequate time or opportunity to resolve it directly with TD Bank before legal escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting late payments on my credit report. 

I recently received a copy of my XXXX, Transunion, and XXXX credit report, And I noticed some late payments posted on my credit report 1.XXXX XXXXXXXX ..ACCT : XXXX1 late payment. XX/XX/2021 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX