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

I sent a letter to remove the items that is 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 any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I tried freezing my identity on multiple sites. XXXX. TransUnion. XXXX. The person has all my passwords and continues to get the new ones I make and unfreeze my account. All my information is leaked. XXXX. Date of birth. Address. IP address. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account, with a balance of {$4300.00}, was reported to the credit bureaus by Jefferson Capital Systems. The agency states that the account was opened on XXXX XX/XX/XXXX. Prior to XXXX of this year this company was not listed on my credit report and the XXXX date greatly diminished my rights to dispute this debt. I disputed the debt through XXXX  on XXXX XXXX and the bureau found that the debt does not go against FCRA although I have never received any documentation and the company is reporting the account as being opened on XXXX XX/XX/XXXX. Since XXXX XXXX I have received 135 robo-calls from this company, no voicemail was ever left and if you call the number back it's a recording. I have never consented to robo-calls and they have been non-stop. I have attached a copy of my credit report from XX/XX/XXXX showing that the account was not present previously as well as screenshots as well as screenshots of the call.
Product: Debt collection

I was a PAY AS YOU member at XXXX XXXX  XXXX  back in 2015. As per sign up when I didnt want to use the facility anymore I could leave with out any repercussions. XXXX  XXXX  XXXX  sent me to a collection Agency MG Credit court. when I seen this on my credit I disputed them. In the dispute I specifically asked for original contract signed with XXXX XXXX  XXXX. They have yet to produce the contract. I continually ask them to remove their company from my credit report. With no such luck. Now I am reporting to consumer Financial protection in attempt to have them prove the debt with original documents or remove from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.
Product: Credit card

On XXXX XXXX Synchrony pay pal responded stating You agreed and consented to the terms and conditions of the account via electronic method ; therefore, no physical copy of the application is available. 15 U.S.C. 1692 g required validation of a debt by the original creditor with signature from the consumer agreed to the terms and conditions and payment. A Bills doesnt validated a debt and acknowledged of having the wrong address show inaccurate reporting and third XXXX XXXX have no suffix on mine name another inaccurate reporting to the credit bureau . Originally Creditor by laws must validate a debt to continue to report it is illegal and violates FRCA.
Product: Checking or savings account

3 fraudulent transactions were denied reimbursement. They clearly are fraud as the employees agreed but they sent a letter saying they were authorized or a processing error did not occur. 3 XXXX totaling {$4000.00} happened using my debit card number. I still had my card when trying to withdraw money. I had to force the manager and do something about the leftover balance. So I withdrew the remaining balance of XXXX and change. They didnt seem worried but I said they might try and use the renaming balance. Surprised that they denied reimbursement. My data had been stolen. Perhaps by a Wells Fargo employee.
Product: Credit card or prepaid card

I AM A VICTIM OF AN IDENTITY THEFT AND 2 ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE.
Product: Debt collection

I received an email from. XXXX XXXX on behalf of Jefferson capital system llc trying to reach out for an over XXXX XXXX XXXX debt from XXXX. I have requested to see the original signed contract signed at the start of service with XXXX Since the first email Ive started receiving consecutive communication
Product: Debt collection

I am a victim of identity theft, This fraudulent account doesn't belong to me. I dont recognize it, nor did I authorize them., Can you please delete and block the following fraudulentinformation from my credit report. 
*see Attached*
Product: Credit card or prepaid card

I filed a dispute with Citibank over a charge made by Costco. Citibank never allowed me to provide documentation about this dispute ; they never allowed me to even explain my dispute ; I couldn't even talk to a representative about this dispute. Citibank now claims it needs more information, but will not provide me a way to give them the information they are asking for. Attached are screenshots showing there is no way for me to give Citibank information they asked for Put simply : Citibank is using delay tactics to prevent me from giving them information to properly adjudicate my dispute.
Product: Payday loan, title loan, or personal loan

We had an emergency visit for our dog. Someone suggested Maxlend to pay for bill. I called them and received the money {$500.00}. Nothing was mentioned about interest rates. I signed the paper online. They said I signed authorization?? to take pymt out of my checking. I don't recall doing that, I don't like that method, but they insisted I did. I called the company to get a bill or statement. They don't send them. I went into my banking and noticed they took out {$210.00} automatically. Their online info also showed future pymts of {$260.00} a month till XXXX XXXX. Total {$3000.00} for a {$500.00} loan!! I can't pay that!!!
Product: Student loan

I have been paying the Oklahoma Student Loan Authority for my Federal Stafford Loans since XXXX after making over 10 years of payments I realized that none of my payments were going to principal even though I was paying over the amount billed. It wasn't until XXXX and XXXX when I found out what Stafford Loans actually were and how the payments were only processed to my interest and not my principal balance. I have paid approximately {$5000.00} in overpayments that have just disappeared. I was unable to negotiate a resolution with the Oklahoma Student Loan Authority and they advised me that my only option to lock in my monthly payments was to refinance with the Department of Education and move my loans which essentially makes me start all over again. Had this information been explained to me I would not have taken out the Stafford Loans or agreed to any kind of interest only payments. It is very deceitful to take students who don't know much about student loans and not give them vital information related to repayment. I have seen many other students online talking about predatory student Stafford loans especially since Stafford loan payments were not suspended during COVID and only when I move my loans to the department of education did I get any kind of COVID relief and the ability to lock in my monthly payment amount to guarantee that my interest would finally be paid.
Product: Debt collection

I have received several notices of a case filed in District Court stating garnishment of my wages is going to start. There is no indication anywhere of what the original debt even is or an account number anywhere on their documentation. It does not appear on my credit report and I work for a federally regulated XXXX XXXX and we can not locate this debt anywhere. I have read several reports that this company is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, {$1000.00} assumed verification of account, Im reporting this is fraud
Product: Credit reporting or other personal consumer reports

I do not recognize the address please remove from report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I shopped online a XXXX I made XXXX purchases of XXXX and XXXX on XXXX/XXXX/XXXX  On XXXX I noticed this company XXXX was taking money from my accounts XXXX and XXXX I instantly disputed those charges claim number XXXX these were the only XXXX charges at disputed. when I contacted you guys, Netspend was not giving me my dispute money back. Also, I started returning items that I received on XX/XX/XXXX. Netspend gave me my dispute and took back my return item money then they took back the dispute for {$43.00} on XX/XX/XXXX and {$6.00} on XX/XX/XXXX this was the money I received from returning items to this company that I did not like and today they have still messed my account up. They will not allow me to use my overdraft but they let XXXX deduct {$2.00} from my account and charge me a {$20.00} overdraft today. I am on hold Customer service is very rude. so thats why Im on here now to find out who is gon na help me fix my account.
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 : XXXX XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Mortgage

TRIED TO MODIFY, SPS SERVED WRONG PERSON FOR MODIFICATION SEE PAPERWORK, IN PROCESS OF XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX for failing to properly update my student loan account in accordance with federal laws and regulations. 
XXXX.Violation of XXXX ( XXXX XXXX. XXXX ( b ) ) : My student loan account is considered part of my educational records, which are protected under the Family Educational Rights and Privacy Act ( XXXX ). This company has engaged in unauthorized disclosure and trading of my personal and financial information without my consent. They have also securitized my student loan and attached a XXXX number to my account, which has not been disclosed to me. 
XXXXIRS Form XXXX Confirms Loan Discharge : I have an IRS Form XXXX issued by XXXX XXXX XXXX, confirming that this debt has been forgiven and discharged in accordance with IRS regulations ( XXXX XXXX Code XXXX ( a XXXX ( XXXX ) and XXXX XXXX XXXX ). Despite this, the company continues to misreport the account status instead of marking it as paid as agreed. 
XXXXSecuritization & Trading of My Loan Without Consent : The company has filed securities exchange documents related to this loan, proving that they have been trading my personal information as a security. Under 15 U.S. CXXXXe XXXXe ( XXXX ) ( A ) ( False Representation of the Character, Amount, or Legal Status of a Debt ), this is deceptive and misleading. 
XXXX & Consumer Rights Violations : The company is failing to accurately report the account to credit bureaus and is engaging in unfair and deceptive practices by refusing to update my account status to paid as agreed, despite legal proof that the debt has been satisfied. 

XXXX Requested : I demand that XXXX XXXX : Immediately update my account status to paid as agreed in all their records and with all credit reporting agencies. 
Provide full disclosure of all securitization transactions related to my student loan, including XXXX documentation and any associated securities filings. 
Cease any further collection actions and confirm that the account is correctly updated in writing within XXXX business days. 

Supporting Documents : Copy of IRS Form XXXX issued by XXXX XXXX XXXX 
Documentation proving securitization ( XXXX attached to the loan ). 
Any past correspondence with the company regarding this matter. 

Failure to comply with this request will result in further legal action and complaints to the XXXX FTC, and the Department of Educations XXXX XXXX XXXX.
Product: Credit card or prepaid card

I did not open this account. I have never heard of a Destiny card. I got a statement in the mail. I never opened this account, did not authorize any purchases and would never open an account with an annual fee. I called the customer service number on the statement and was advised to contact you and file a theft identity
Product: Mortgage

We got a XXXX XXXX around 2003 where the policies used by that company were fraudulent. Now we want a loan modification they are trying to sell our hou7se instead of helping us like Obama says they should
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 In Accordance with the Fair Credit Reporting Act XXXX  Accounts 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: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company via letter regarding this account reporting a balance and still open even though this account has been charged off. My letters were never responded back to, and l left me feeling like there was no hope in clearing up this error. This wrong reporting are greatly affecting my credit score negatively and emotionally leaving I am battling anxiety due to this issue. It has been well over 30 days with no resolution and I'm beginning to feel as if big business can mistreat the ever day consumer with out repercussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Credit report is showed that there was a hard inquiry made on XXXX, XXXX XXXX  by XXXX XXXX. I proceeded to call equifax to get this hard inquiry removed. They then prompted me to call XXXX  XXXX, I spoke to them on the phone and they have no recollection of any of my data on file. I called back a couple of times confirming things and I was told the same thing.
Product: Debt collection

To Whom It May Concern : Beginning in XX/XX/XXXX, I set out to pay off debts in collections. One such debt received a Judgement in XXXX XXXX. I contacted the collection agency, Cavalry Portfolio Services to set up a payment plan for $ XXXX. paid through XXXX XXXX when I received a payment in full letter. I was also required to set up a payment plan with their representing attorneys, XXXX and XXXX XXXX. This plan was at $ XXXX. Neither entity could tell me why I was paying them separately but I was hoping to move forward so I did. 

Following my XX/XX/XXXX payment to XXXX and XXXX XXXX 's payment portal I received my payment confirmation from their client ( Cavalry Portfolio ). On XX/XX/XXXX at XXXX, I attempted to log into my payment portal again with XXXX and XXXX XXXX XXXX determine if the debt was, in fact, paid as agreed. On this date, my payment portal was marked " Inactive '' which does not allow payment. I took a photograph of the screen for my records. 

On Friday, XX/XX/XXXX I received notification from the XXXX XXXX XXXX XXXX XXXX that XXXX and XXXX XXXX had received a Writ of Wage Garnishment for the balance of the alleged debt. At no point since XXXX and XXXX XXXX closed my payment portal in XX/XX/XXXX, did they call me and leave a message, send me a letter or email informing me that this debt was still active. Nor have they explained to me why there were two separate collections happening with their client, or why they closed my payment portal when the next payment would have been due, if I did in actuality still owe them a debt. 

XXXX and XXXX XXXX now refuse to acknowledge their error in debt collection practices and are planning to move forward with the unjustified wage garnishment ( which would create a hardship for my family ), despite my attempts to contact them directly to correct the situation for both parties.
Product: Credit card or prepaid card

On XX/XX/2018, I paid online for a scooter from a company called XXXX XXXX based in XXXX. I used my Citibank credit card thinking that the advertised purchase protections would cover my back if the merchant was dishonest. The purchase amount was over {$1500.00}. After making the purchase the company tried to upsell me and I refused and asked for a refund since the merchant refused to ship the product to me. They indicated they would issue the refund on XX/XX/2018 but never did. I contacted Citi on XX/XX/2018 to handle the situation. They provided a temporary credit. After waiting almost two months, Citi sent me an email on XX/XX/2018 indicating that there was a letter for me to review. The email made no indication that I had to provide anything. I logged into their website and downloaded the letter which was a letter from the merchant asking their bank ( not Citibank ) to not charge additional fees on top of the chargeback that Citibank instituted. The merchant did not contradict any of my claims and further indicated a desire to issue a refund. Although Citibank 's message to me did not indicate a need to respond, apparently they prepared a second letter, that was not clear from the message, that requested I provide a signed letter in response to the merchant 's message even though the merchant agreed with my claims. They provided no guidance as to what should be in the letter since the merchant was agreeing with me. Citibank gave me only one week to respond and I didn't know I had to respond at all since no additional information was requested. The next month Citibank reversed the credit and left me with a {$1500.00} charge and no product. I called to inquire and they said my time for a dispute had expired and there is nothing they can do. They were the ones that chewed up all the time and yet I'm stuck with no product and a large charge. I complained that their communication to me did not indicate a need to respond since the merchant agreed with my claims. They proceeded to hide behind statements of policy and tried to blame Visa for the restrictions. But Visa didn't take a month to respond. Even though Citibank claimed to have " investigators '' looking into the issue, they didn't investigate anything that resulted in my getting my money back. 



Their claim to have purchase protections for consumers is simply false. I had a problem with a chargeback with XXXX XXXX a few years back and it was amazingly simple to do and resolve. But Citibank seems to want to cloud the issue with inaccurate stories and claims of restrictions on what they can handle. They shouldn't advertise purchase protections and then run the clock out just so they can claim the time period is expired.
Product: Credit card

American Express advertises that if you get the Delta Platinum American Express card you can enroll in XXXX XXXX XXXX status. They provide instructions to do so through Delta. The instructions do not work and it is actually impossible to " enroll '' to obtain the XXXX XXXX status at XXXX by getting this credit card. I have spent hours with XXXX, XXXX and American Express trying to get this status and it is impossible. Delta sends you to XXXX. XXXX doesn't know/ca n't do. Am Ex sends you back to Delta. This is also a complaint against Delta air which advertises that separately if you reach Silver status, which I have had for years, you can enroll in XXXX XXXX XXXX  status, but there is no actual way to do that enrollment... it is a scam and false advertising by these 3 companies -- Delta, XXXX and American Express.