23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XXXX I opened a Google Pay account. From my credit card I put {$30.00} into my Google pay account in that same year. In XXXX of XXXX I received an email stating there was a problem in my XXXX account. Today, XX/XX/XXXX, I had the time and followed a link in the email. In the link I was to provide more information, namely a photo image of my Government issued ID. I do not feel comfortable sending anyone, including XXXX, an image of my ID. I contacted customer service through their chat and informed them of this. They stated in so many words that I have to give them my ID otherwise the account will remain suspended. I informed them that I did not have to give ID to open the account. If I had to, then I would not have opened the account and that I want the return of my money in the account. They said it is their policy to not give " refunds '' and the money would remain in the account until I give them my ID and they reactivate the account. I told them I no longer want the account. They tell me I still need to give them ID so they can reactivate it. I asked numerous times for proof as to where it was written in their XXXX at the time of my opening the account that I would have to provide ID in the future. I got no answer to that or any other of my direct questions regarding what may, or most likely not, is written in their XXXX. I was told they could not give answers due to security. How is their providing me with anything supposedly written in their XXXX, a security risk? 
I did look in their XXXX  what they have written as of today and under " google pay '' it is written, " In certain cases, we may require such identifying information and that you activate a Google Pay Balance for you to continue using Google Pay. If you decline to provide such identifying information or we are unable to verify such information, we may decline your attempted transaction, suspend your access to Google Pay XXXX Service, or suspend your Google Pay or XXXX account. If we suspend your Google Pay or XXXX account, we will provide any held funds to you to the extent permitted by law. '' They did NOT give me any reason as to why at this time this is a " certain case '' all of a sudden. I have {$30.00} Google pay balance since XXXX. There is NO transaction involved. And in XXXX own words, " If we suspend your Google Pay or XXXX account, we will provide any held funds to you to the extent permitted by law ''. 
XXXX has suspended the account, BUT REFUSE to provide the return of any held funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Complaint XXXX XXXX XXXX XXXX  : {$5400.00}, XXXX XXXX XXXX : {$2100.00},, XXXX XXXX XXXX : {$780.00},, Bankruptcy : {$0.00}, XXXX XXXX XXXXXXXX : {$170.00}, XXXX : {$15000.00}, 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.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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX is preventing a merchant from accepting checks on an account that has {$14000.00} in it. I believe this is due to the fact that the account is set up as a federal fiduciary for my husband. The VA requires that I write checks to pay for these things.
Product: Debt collection

I requested validation twice. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. They should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 ay validation request to prove i owe the debt to XXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.
Product: Debt collection

On XX/XX/XXXX, I was notified via my credit report that {$100.00} was owed. I contacted the original creditor XX/XX/2020 to confirm that my account was in good standing and no amount was past due. I have never received a letter from CBE, a phone call, or any type of notice prior to CBE reporting on my credit. I made multiple attempts to contact CBE by phone and each time I was sent to an answering machine to leave a message. 

Since I can not get in touch with CBE, I am coming to the CFPB and XXXX   to request immediate validation of any amount they are saying I owe. If they can not provide validation I request that this is removed from my credit report as it has a negative effect on not only my credit worthiness but my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late in the month of XXXX to XX/XX/2019. I do not believe I was late on the dates you are reporting. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Payday loan

I applied for a {$500.00} payday loan online XXXX/XXXX/16. 
I later discovered that they are not licensed to do business in my State, which is Alabama. 
Nor do they meet the loan limits set by the State banking regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Received an email from XXXX, XXXX XXXX, about the new credit card balance for the card " I '' recently opened. I immediately phoned the card company to explain I did not open any new credit anywhere at anytime. She was nice enough to explain the process I need to do to handle this and started an investigation on her end. 
XX/XX/2018 Experian added an initial security alert for 91-120 days. 
XX/XX/2018 I processed an on-line police report with XXXX Police Department stating fraud using my personal information. 
XX/XX/2018 I mailed to Experian, a copy of the police report and all necessary information to have the fraud alert extended for 7 years or a permanent alert, as rightfully entitled. 
XX/XX/2018 Experian mailed me a notice stating a ) my request was redundant b ) I forgot to include personal information in my request c ) I need to include a valid theft report from a local law agency. 
XX/XX/2018 I went to my local law agency ( XXXX Police Department ) to ask for help. The officers that I spoke to told me that my report # XXXX is in fact a valid report and there is nothing they can do for me, because I already have a report stating details regarding my situation, I can not amend it nor file another report. 
XX/XX/2018 Again, I mailed all the necessary information, including a statement of what XXXX told me. 
XX/XX/2018 I received a statement from Experian stating I had to include a valid theft report. 
XX/XX/2018 Again, I mailed the necessary information and a statement that said I have already done all the necessary steps to try to protect my credit information and my frustration with them repeatedly requesting a valid report. 
XX/XX/2018 Experian notified me of results and that was that I need to submit a valid theft report. 
As of today, I am still going round and round with this agency at great length and I am completely dissatisfied with all results they have issued me and with how to contact them. I can not speak to a live person to state all of this information. 
I formally request help with my case and to obtain an extended fraud victim alert.
Product: Checking or savings account

On XX/XX/2018, I was assessed {$100.00} in overdraft fees by Regions Bank due to three checks that were cleared. However, I believe that Regions Bank rearranged the order of the checks so in such a manner that would maximize the fees charged. On XX/XX/2018 I received a direct deposit and I believe that Regions retroactively assessed the overdraft fees.When I checked my balance on XX/XX/2018 I had enough money to clear the checks that were presented. However, on XX/XX/2018 I checked my balance and noticed that the aforementioned fees had been assessed. I believe that Regions Bank cleared the checks on XX/XX/2018, posted them to my account on XX/XX/2018 in order to be able to assess the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

My income was drastically reduced. I have been trying to short sell the property. The bank has placed an unattainable value on the property of now {$110000.00}. Home has been on the market for 543 days. I can not get an offer at the banks appraised value due to repairs needed. I have had offers in the XXXX range. Since most borrowers in this area are seeking VA, FHA financing, there are no offers being forwarded because the buyers can not make the necessary repairs to secure a mortgage and the mortgage brokers can not obtain a loan due to the necessary repairs. Therefore only cash investors are available to bid on the property. Obviously they will not pay the banks approved price. The bank incidated that they will not take the property back due to the open sewage permit with the county. Since no offer has been forthcoming, the bank has set a sale date of XXXX/XXXX/2016. Please ask them to reconsider their valuation. as no offer can be otained at the current bank approved price. They are forcing foreclosure on the property where this could be avoided.
Product: Student loan

For months, I've been paying my student loans via automatic payments from my bank. 

Apparently, the monthly payments on my account increased. I was unaware of the increase because Naviant had several bits of incorrect information to contact me, including email address and phone number. They even reported my birthday wrong, so I couldn't access the online portal for updated account information. 

Suddenly, I get a notice that I'm 90 days late. I call, and confirm with them they received my timely monthly payments, but it was during this call that I learned the payments went up and they didn't have my current contact or defining information, so I was never made aware of any increase, which caused late payments in their system. I immediately paid the overdue amounts, but their investigation didn't fix the issue, and they've reported my account 90 days late for XXXX and XXXX of 2022 which is not accurate. Their systems are responsible for this mess and they aren't correcting the situation and removing the negative information from my credit reports.
Product: Debt collection

I had a credit card with capital one that unfortunately was charged off. We were in dire financial straights at the time and we're unable to settle the debt. The card was charged off in XXXX or XXXX. However XXXX XXXX XXXX seems to have purchased my debt AND reset my debt clock to the year XXXX. I was not aware that they could reset the debt clock without my knowledge and without communicating it to me beforehand. I have disputed this claim through XXXX XXXX 's, XXXX dispute tab with no luck. By my calculations, the XXXX  years is up and this debt should fall off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in XX/XX/XXXX/XXXX of 2017 and informed them that I was a victim of identity theft and there are some fraudulent accounts that are appearing on my credit report as a result of this. I contacted all the departments at these companies that are appearing on my credit report and they are unwilling to assist me in this process and tell me it does n't matter if it is identity theft, I am still responsible because they have identifying information. I have exhausted myself trying to get this information correct and they are just not heling. I recently filed a complaint with the FTC and have filed an identity theft report with the FTC. I have faxed over this information/copy of the report to Equifax and asked them to remove/delete the negative, false, derogatory information that is appearing on my credit report. According to the FCRA section 605 a & 605 b it is the responsibility the block/delete the inaccurate information I am claiming. here is a list of the accounts that I am disputing : I am writing this letter to request Equifax block the following creditors from reporting FALSE, DERGORATORY, INACCURATE information to the credit bureaus. According to the Rights Under the FCRA of Victims of Identity theft please BLOCK the following : 1 ) XXXX XXXX partial account number XXXX amount {$1200.00} 2 ) XXXX XXXX partial account number XXXX amount {$1300.00} 3 ) XXXX XXXX XXXX partial account number XXXX amount {$2000.00} 4 ) XXXX XXXX partial account number XXXX amount {$650.00} XXXX ) XXXX XXXX partial account number XXXX amount {$150.00} 6 ) XXXX XXXX XXXX partial account number XXXX amount {$850.00} STATEMENT OF CLAIM : I, XXXX XXXX XXXX, am a victim of identity theft and as a result a number of accounts have been opened in my name. I would like the creditors listed in this document blocked from reporting inaccurate, false, derogatory information to the credit bureaus immediately. According to the FCRA section 605 ( a ) ( b ) these accounts must be blocked/removed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : FST PREMIER Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a proper dispute with Equifax on an unknown medical account # XXXX placed with XXXX XXXX XXXX for {$110.00} on XXXX-18. I contacted XXXX XXXX XXXX  with a dispute and request for validation on this unknown medical account as per instructions from Equifax on XXXX-18. I re-disputed to Equifax with a copy of my dispute letter to XXXX XXXX XXXX on XXXX-18 along with proof of XXXX XXXX XXXX ' receipt of the dispute. Equifax 's refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.
Product: Debt collection

XX/XX/2022 XXXX XXXX for Hunter Warfield contacted me via text message, then contacted my mother ( family ) about a payment due for rent when rent payment has been done. And have XXXX contact me first as no notice from them has been given.
Product: Credit reporting or other personal consumer reports

It is unacceptable that my credit report continues to show accounts that are not mine, dragging down my credit score and credibility. Despite numerous complaints, I have yet to see any action.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against Midland Credit Management and XXXX XXXX XXXX XXXX XXXX, XXXX Dear CFPB Representative, I am writing to file a formal complaint against Midland Credit Management and its legal representatives, XXXX XXXX XXXX XXXX XXXX, XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I believe the following violations have occurred : - Improper credit reporting regarding a debt that was discharged in [ year ] and is still being pursued. 
- Harassment and unfair debt collection practices, including sending letters that misrepresent the debt amount and refusing to provide requested documentation. 

I have attached all relevant documentation, including letters, credit reports, and legal correspondence. I request a full investigation into these practices and ask that all improper collections activities cease immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

We are receiving collection calls and letters from Rauch-Milliken International , Inc. We don't owe the money. They are trying to collection based on XXXX XXXX - our utility company. We have called XXXX. We don't owe them any money and they have never turned us in for collections. 

We now have 2 collection accounts with them for different amounts. The address is correct but the company name is wrong and we have never used that company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately sometime in Summer XXXX. 
My estranged brother contacted my mother to say that a collection agency XXXX XXXX XXXX XXXX has been calling his residence asking for me and whether I lived there. 
My estranged brother who I have not seen or spoken to in 20 years informed XXXX XXXX XXXX XXXXXXXX that no one by that name " XXXX XXXX '' lived at his residence. He, my estranged brother stated to my mother that XXXX XXXX XXXX XXXX has been calling his residence on several occasions early in the morning and late at nights harrassing his family asking for XXXX XXXX and telling my estranged brother that I need to pay a debt or else. It is when my estranged brother who happens to be a lawyer threatened them with XXXX XXXX XXXX XXXXXXXX with legal actions -- they stopped calling. 

The calls never stopped. They, XXXX XXXX XXXX XXXX- searched to located who had my last name and which individuals who was linked to my last name. They, XXXX XXXX XXXX  XXXX found my elderly XXXX XXXX XXXX parent phone number and also called my parent many times throughout the day threatening my mother that she should give them my contact details and that I owe them XXXX XXXX  XXXX XXXX money. My mother was extremely upset where she was having chest pains. 
Those are the abusive practices that XXXX XXXX  XXXX XXXX did. 

XXXX XXXX XXXX XXXX XXXX added a negativity to XXXX and Experian. I DO NOT OWE XXXX XXXX  XXXX XXXX any monies. 

I have sent XXXX Letters. I have Sent Experian letters. Also, I have sent letters to XXXX Disputing the report that I do not owe XXXX XXXX XXXX XXXX and that they should Delete/Remove it from my Credit Report. 

XXXX - Responded and Delete/Remove XXXX XXXX XXXX  Collection from my Credit Report XXXX XXXX - I have sent several letters -- XXXX have Not removed the Incorrect Information XXXX XXXX XXXX XXXX . 

EXPERIAN : I have sent letters to Experian as well - They never responded to my letter that I sent them on XX/XX/XXXX Disputing the incorrect information. 

Please help me with XXXX and EXperian. Even though both Credit Agency has Listed incorrect information -- They have not deleted. 

Many thanks in advance for your help. God Bless you and Please stay safe.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/year> To Credit bureaus Re : Dispute of Collections Account # [ XXXX ]. Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above ( XXXX XXXX, date opened : XX/XX/year> {$1400.00} ). Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not my first dispute about these accounts i have sent all the information to the companies as requested