23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by IC systems approximately 1 month ago requesting payment for a debt that I had previously paid over 2 years. After I informed them of this, they indicated that because the company was based in NY XXXX, the state laws require the company to validate the debt first -- if they could not validate that the debt was not paid, there would be no additional action. At that time, the collection had not been reported to my credit report and I was explicitly told that if the company could validate that the debt was not paid, it would not be reported until I was contacted to provide additional verification. Approximately 1 month later, I was notified that there was a new collection placed on my credit report. When I called IC systems to inquire, the indicated that the debt was validated as still outstanding by the vendor so it was reported to the credit bureaus. After extensive discussion where I indicated that this was not the agreement made with the previous representative, I was told that they only way they could " delete '' the listing on my credit report was if I paid the debt but that this was a " XXXX time '' agreement and I needed to make the decision now. Because I had paid the debt previously, this amounted to extortion - I was forced to make a decision to pay the debt again or deal with ongoing disputes with credit agencies providing documents verifying the amounts ( which I have ) with not certainty that it would be removed. Given the lack of certainty and the fact that I was " forced '' to make a decision on the line, I opted to pay the debt. 

At this point, I have already paid the debt and hopefully this will be deleted from my credit reports as promised. That said, these practices at the least are extremely unethical and most likely illegal. First, misleading me about the process with respect to a dispute process and then posting to my credit report without informing me about the result of that process is bad business practice. Second, threatening that deletion would not occur if I did not pay over the phone is extremely disappointing and represent extremely questionable tactics on the part of the collection agency.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

The account was updated as correct according to the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate According to 1681i ( a ) if proof is not provided within thirty 30 days the account should be DELETED
Product: Debt collection

I have never signed medical release forms authorizing these companies to provide information with my medical bills. I have repeatedly requested these reports removed. This is in direct violation of my hipaa rights, Im requesting these reports removed immediately. In order for a company to claim debit they are to provide the listing debt company with detailed information regarding the debt. Ive never been contacted prior to or after these debits were initiated not by phone or mail ( service dates XXXX ). I have submitted disputes that have been deleted / removed and then added again by these companies. This is harassment, and damaging to my credit worthiness. Again Im requesting these medical debts removed immediately, I have never given my consent for my medical information to be shared.
Product: Consumer Loan

I had been making many payments towards this loan throughout a month rather than a single payment. I was not made clear on how the money paid was distributed between the interest and the principle for the loan, although I had initially understood these were " principle only '' payments. 

The real issue occurred when without ANY communication from Wells Fargo, the payments I 'd made began being unapplied ( and not credited back to my checking from where they had been transferred. ) After multiple phone calls with the bank, I was unable to get any answers as to why they were doing this to the account. No one, even the XXXX different managers I had spoken to at different times, could explain anything other than that the account was under maintenance and to check back in a few days after the system " refreshed ''. Nothing would get fixed and I would call again, spend hours on the phone etc. 

I was never clear as to why or what this department was doing when they were unapplying my payments. They have since reapplied them in some manner that I did n't make sense of. I paid off the remainder of the loan asap after that, but will never be clear as to whether I was charged interest for the time period that my balance reflected considerably more that was owed. I also believe this will possibly affect my credit score as it showed the account as delinquent for over 30 days ( when I was significantly AHEAD of the payment schedule ). 

I am concerned that Wells Fargo has the authority ( or the audacity ) to move a customer 's money around without permission, explanation, or purpose ... especially without communicating with their customer. I am led to believe that this incident was done to benefit Wells Fargo, or a Wells Fargo employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
Accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I attempted to use my credit card while traveling, but it had been shut down. I called capital one to resolve the issue, but they said that my account had been compromised. Additionally, they have repeatedly printed my name incorrectly on my credit card..My LEGALfirst name is a letter and a number ( XXXX ), yet despite repeated requests and numerous document submissions ( including a divine l certified court document ) they continue to print my name as " XXXX. '' This is NOT my name, and the phonetic spelling of XXXX is XXXX, which is also stated on the legal document. 

I am still currently traveling, and I spent nearly 2 hours going back and forth on the phone regarding the fact that my card was shut down and the name has NEVER been correct..then, they started demanding I resubmit MORE documents proving to them that my name was incorrect ( even though I had just done this less than 2 months ago ) .. 

Ultimately the representative forced me to shut down my credit card, and I am NOT happy about it..I paid an annual fee for this piece of garbage card with the worst customer service in the history of mankind, and I have never been able to properly use this card. 

I have a negative balance, and now I am stuck for the next 3 months in a foreign country with no access to my money. This is out of control!
Product: Checking or savings account

On XX/XX/2023 XXXX dollars was transferred from my Credit Karma savings account into an account that does belong to me. I let credit Karma know and filed a police report. My email was able to be used without my knowledge and I wanted credit Karma to reach out by phone but they refuse phone correspondence. I am not certain what is happening with case. There were also fraudulent charges in my credit Karma checking account. I have done everything credit Karma asked of me that was in my control and there has not been a clear response.
Product: Debt collection

First off i never knew about this debt i never got anything in the mail concerning this debt with this company. I found out about the debt because its on my credit report. I received something from the original creditor with account number ending in XXXX and what this collection agency have is an account number ending in XXXX. This is an inaccurate debt that they are trying to collect on. I need for them to cease and remove debt from my credit report because its inaccurate and the account numbers prove that. Also Nationwide Recovery say the deliquent bill from the original creditor was deliquent as of XXXX XXXX, 2016 but how can it be deliquent when XXXX XXXX 2016 is the same day of the service so this is inaccurate.
Product: Debt collection

I sent a letter in XXXX requesting alidation of debt. I have never taken out a pay day loan, and have no knowledge of this debt what so ever. This company never responded to me, but continues to hold a judgment on XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got hit with 2 hard inquiry from SYNCB/ XXXX XXXX XXXX , XX/XX/XXXX, and XXXX I did not apply for anything regarding these hits, I called Synchrony claims they don't own the account & that it was an known error with XXXX  XXXX. I call XXXX  they told me to contact Synchrony again & get a letter of deletion, called Synchrony again, they could not or would not give me such letter, you can't get such letter from someone when you don't have an account with them or inquired any information from them, and then XXXX  told me to contact Synchrony, XXXX  suggested to contact consumer finance.
Product: Debt collection

Good morning I sent Resurgent Capital Services on XX/XX/2022 several very thorough requests to validate my debt and only received a mere portion of the requested documents I asked for. 

I reminded them that according to the FCRA they are required to validate the debt thoroughly and accurately and I have yet to receive all of the requested documents.
Product: Debt collection

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$4100.00} Reason : Identity theft Please remove it from my credit report. 

Account Name : CB/WAYFAIR Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$3300.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$4900.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1600.00} Reason : Identity theft Please remove it from my credit report.
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.In accordance with the Fair Credit Reporting act. 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the EXPERIAN : XXXX, XXXX : # XXXX ORIGINAL CREDITOR : XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.
Product: Checking or savings account

The Huntington Bank states that they can not locate my account. However, yesterday arrived a rather large payment from a company called " XXXX. '' Also, taxes have been paid to the IRS from my account. Whether it's the IRS, any banker, or the XXXX XXXX XXXX XXXX, they all can see my account as open. 

They can also see it's stolen, which is why I still receive SNAP benefits, as there is no activity, except incoming money ( and outgoing taxes. ) Attached, please find - an image of my still active TCF Bank debit card that expires this month ( they changed my account number, so that it stopped working ) - an image of a notification about a statement - a screenshot of a notification that my account is now a Huntington Bank account - a screenshot of a traceroute that shows the bank who lost their license for thefts now operates a spoofed site. 
- a list of suggested employees of this " bank. '' XXXX and shadier. 

To my surprise, the XXXX closed my last complaint as " double '' complaint. 

Here is the text again, and TCF/Huntington requested proof. Which is not necessary. My account is open, every banker can see that, and that is your proof. 

Original text The Hunting Bank has sent a dishonest, useless response. Therefore, I have to reopen the complaint, and I request that the CFPB take proper action this time. The same group active at the other banks I reported, where they hacked me out of my accounts ( XXXX theft via XXXX XXXX, XXXX, XXXX ( where I presented evidence of them admitting to the theft ), was active at TCF Bank, and now Huntington bank. Please see the live-streamed call below, that triggered the XXXX XXXX XXXXXXXX XXXX to remove their banking license. After they failed to inform their " customers '' within 24 hours about the loss of license, and offer a payout, their website was taken down. They now operate a spoofed site without a banking license. How illegal does a company have to act for the CFPB to take action? The FDIC ( as proven, see XXXX ) is completely overrun by XXXX XXXX. Parallel to the XXXX XXXX their ordered on me in XXXX, they stole all of my papers, debit cards, credit cards. They also took over my XXXX accounts I used for most communication. However, in the case of XXXX Bank, they overlooked that I used XXXX Mail for my Small Business Account, and that the debit card was in the pocket of my jacket. Attached, please find - an image of my still active debit card - an email announcing the availability of a statement - an email announcing the Merger or Acquisition - an image of a traceroute that confirms the bank is running a spoofed site, via low-class providers no bank would ever use Below, please find the live-streamed call : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  informed me that my bank account is frozen. I'm in a homeless shelter ( as I already mentioned ), I need medical treatment, and money to live. Closing this complaint, without taking proper action, sends a clear message about complicity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the accounts listed below. PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX CARD XXXX )
Product: Debt collection

Hello, First off, I was never served. I did however, receive notice of a wage garnishment so I made arrangements with all documentation of my personal debts to appear in court. I sat in a courtroom which was noted where my case would be heard, then not realizing I was given the wrong court room number until court hearings were completed. When asked, bailiff directed me to court room office to inquire. Come to find out, I was in he wrong court room number and when I reported to correct courtroom, I was told my case had been heard and there was nothing I could do about it but that my garnishment was lowered to Winn Law Group, XXXX, Ca. I just feel as though I was unjustifiable taken advantage of without any evidence provided to me of debt amount and due to the financial hardship, I had no choice but to sell my home of 20 years before I could lose out on equity of home. 
In addition, I experienced unethical situations with hired real-estate agent from XXXX XXXX, unsure ( possibly XXXX or XXXX ), Ca. Started off as I hired him and as the 6-month time-frame came to closing, he unethically acted as though he was hired by buyers and did not communicate with me. Instead had wife participate in communication. Was asked by her to sign disclosures but I never did sign, so if on file, would be forgery. 
As well as escrow officer, at first was told, she could not assist with any assistance in signing or advise but then as closing approached and I arranged to meet up with her to present notarized documents, she was quick to assist me with completing FIRPTA, Real Estate Transfer Disclosure Statement and other documents at XXXX XXXX in XXXX, Ca. Whom also asked to sign off on XX/XX/XXXX Real Estate Withholding Statement because I was previously presented and signed off on the wrong one for XX/XX/XXXX. I never signed anything, therefore, if on file, would be forgery. 
I thank you in advance and can present any documents required. Please feel free to contact me if needed ( XXXX ) XXXX. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am trying to use XXXX to link up to my PNC account as it is listed as able to be used on the XXXX app! I opened an account with pnc for that reason only and they will not allow it to happen
Product: Credit reporting, credit repair services, or other personal consumer reports

so while i was in my last year of highschool a guy in my school asked me to use my chase bank account to purchase something but XXXX use his money so i trusted him with it and he committed a fraud in my chase bank account XXXX XXXX XXXX ). Now that im in the XXXX and i have a bank account with XXXX XXXX, XXXX XXXX has my bank account on restriction because of the fraud the guy did in my chase account. Ive called XXXX XXXX about it and they told me to contact EWS, ive done that and started an investigation. They sent all the information to chase about the investigation and chase has yet to reply to them. Ive contacted XXXX about it and they tell me to talk to XXXX XXXX, then XXXX XXXX tells me to talk to XXXX and XXXX tells me to talk to XXXX so basically theyre all giving me a runaround. I really need this situated because i need access to my money. You can contact me at XXXX XXXX XXXX XXXX but you can also email me ( which is the best way to contact me XXXX. My email is XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer roporting agency can not furnish a account without my wilten instructions 15 U.S.C-1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

The last date payment made on this account for XXXX XXXX was XXXX XXXX. It is reporting as a charge off and closed, XXXX ( a ) ( XXXX ) .They placed the account for collection or charged it to profit loss. That is fraud to write it off as a loss then trying to make the consumer pay them. The charge off balance at the time of charge off was {$260.00}. For XXXX it was reporting as {$260.00}. Now the balance is reporting {$440.00}. How can a charge off account balance increase when it is charged off? I have asked for verification and validation of this debt from XXXX XXXX and I have not received anything but the credit bureau stating that the account has been verified and to call XXXX XXXX, which I did and they send me from XXXX person to the other or tell me that the person I need to talk with is not in or to call back later in the week. The XXXX XXXX XXXXXXXX for XXXX XXXX is time barred after XXXXXXXX XXXX have passed. XXXX XXXX 3-530.They are in violations of my rights as a consumer. XXXX. ( XXXX section XXXX ) this is a bearing on my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. XXXX. XXXX The collection of any amount XXXX. XXXX ( XXXX ) ( A ) - the false representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real person Im a living human being I have a right under 15 US 1681 Equifax XXXX XXXX and XXXX is govern by 15 USC 1681 and they violated my rights numerous of times I demand the counselors to be allowed to be removed from my Derogatory marks XXXX XXXX California XXXX check cashing XXXX XXXX according to XXXX XXXX I have the right to privacy I did not give Written permission to furnish these accounts
Product: Credit reporting or other personal consumer reports

This is my second notice of this fraudulent account on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, this fraudulent item has to be blocked and