23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chime sent me an email that was said to be from XXXX XXXXXXXX XXXX requesting proof of me being me and all direct deposits made to my checking account. Well I gave them the proof they requested on 2 separate occasions. Today they closed/suspended my account. I got my paycheck today and I am not able to get it to pay my bills and care for my kids. I called chime they claimed XXXX said I didn't send enough proof which I did I asked for a number to call and speak with XXXX I was told I could only email them through the emails they sent me I have not received any responses at all still can't access my account they have stolen my money money I worked hard for money that I need to care for my kids they stole it and keep giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aka XXXXXXXX XXXX XXXX  has garnished their amount for the loan out of my banking account. The amount of the loan as per my credit report is {$3700.00}. On XX/XX/XXXX my bank received a garnishment letter in which the debt collector took {$5000.00} from me after I had already paid in {$3000.00} right before the garnishment. So in total now I have paid in over {$8000.00} well over the amount of the loan {$3700.00}. This should be marked PAID OR REMOVED FROM MY CREDIT REPORT! I have tried over and over to work with this company and they will not!
Product: Debt collection

Add this scammer to the pile of bottom-feeding fraudsters I 've filed complaints on over the past two years -- each one a downstream player in the XXXX XXXX XXXX Scam. They are harassing me regarding a debt that never existed, and they are committing myriad FDCPA, UDAAP and TCPA violations in the process. 

A robocall was placed to my cell number, which has been listed on the National Do Not Call Registry since XXXX 2013. 

The caller ID indicates XXXX number, while the message instructs me to return the call at a different number. There are XXXX of reports listed on consumer complaint websites indicating both numbers are tied to XXXX or Empire Mediation Services. 

The message does not give the identity of the caller or the company they represent. It does NOT tell me the caller was attempting to collect a debt. 

The message DOES tell me I have only 48 hours to respond to the call. It uses words like " case '' and " retain '' -- words that most consumers associate with legal matters. The message is cleverly worded to give the impression that there is impending legal action against me.
Product: Debt collection

The dates contained in my credit file for Midland Funding LLC are incorrect. The date shown in the file is for a account with XXXX XXXX XXXX  and not Midland Funding. The XXXX XXXX XXXX  account was closed by the original creditor and the debt forgiven. Midland Funding LLC is in direct violation of the FCRA. Midland can only report debts that is owed to the original lendor or Midland. XXXX XXXX XXXX forgave the debt therefore XXXX XXXX no longer owes XXXX XXXX XXXX. Midland Funding is still pursuing the debt after the original lender dropped the debt. In accordance with the FCRA Midland must produce documentation that XXXX XXXX has made an agreement that he owes a debt to Midland consistent with the dates within the credit file. If Midland can not produce documentation showing an agreement between them and XXXX XXXX the item must be removed or I will file a suit in Civil court against the credit agency and the debt collector.
Product: Credit reporting or other personal consumer reports

I have sent letters to Ally Financial and XXXX XXXX XXXX along with XXXX, XXXX and XXXX. In regards to several accounts on my credit report that does not belong to me. Ally financial XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX These companies are Violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my written consent for these accounts to be reported on my credit. These are not my accounts! I demand they get removed immediately!
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

Capitol One has not released my paycheck to my account. This is causing me late fees and overdraft fees.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX DOB : XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Attention : Consumer Relations, I recently obtained a letter from insurance company of adverse decision based off my report with LexixNexis. I request a copy of my report to start dispute on a lot of information that is not correct.

Lexisnexis Consumer # XXXX, case # XXXX I have enclosed items that should be deleted ASAP. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT IS SHOWING LATE PAYMENT! THIS ACCOUNT HAS NEVER BEEN LATE AND WAS PAID IN FULL IN AS DESCRIBED IN AGREEMENT. 

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. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector of the express permission of a court of competent jurisdiction, a debt collector man not communicate with a consumer in connection with the collection of any debt.
Product: Credit card or prepaid card

On Wednesday XXXX I received a collection call on a credit card balance that I did not open. I was not told and do not know the balance involved. The company was Genisis Card Services, XXXX XXXX XXXX, XXXX, Oregon XXXX and I explained I never applied for this card and never received or used this card. I was asked to confirm my address and they did not have my current address, but instead an address I had lived at in XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). I then was transferred to their fraud department and I explained again the situation. I was skeptical about this call because I had a very difficult time understanding the person I spoke with ( accent ) and there was a dog barking in the background. I was told they would send out a letter explaining all the steps I need to complete, but as of today I have not received anything - letter or follow up communication. 
In addition, I get so many scam-type emails and text messages that I do not open and just delete. I did notice a letter " declining '' a credit card request from XXXX  XXXX XXXX on XX/XX/XXXX ( reference # XXXX ) that was addressed to my old address. I really didn't think much of it at the time, but know I am.
Product: Debt collection

On XXXX/XXXX/2022, I called IQ Data International after receiving a letter in the mail saying that it may be possible to negotiate settling my outstanding accounts at a very favorable discount. That evening, I received XXXX letters confirming in writing that if I paid a total sum of {$10000.00} by XXXX/XXXX/2022, that my XXXX outstanding accounts would be settled in full and that IQ Data International would request deletion of any negative information supplied to any credit bureaus regarding these accounts. 

I was provided the account information to make a wire transfer and sent the full {$10000.00} owed on XXXX/XXXX/2022. I immediately sent the transfer receipt with confirmation number to XXXX XXXX, the operations XXXX who had sent me the agreements. XXXX did not acknowledge receiving the transfer receipt, so I sent the receipt again on XX/XX/2022 to both of her e-mail addresses listed in her signature. I then proceeded to call the agent I had spoken to on the phone, XXXX, who told me that they had just received the funds from the transfer and my end of day I would have confirmation. 

On XXXX/XXXX/2022, I was sent two letters confirming payment was received in full for both of my account, settling the account and releasing me from further liability regarding obligations to the original creditor. It also reiterated that IQ Data International would request deletion of any negative information supplied to any credit bureaus regarding this account. 

On XXXX/XXXX/2022, my XXXX credit history was updated to show that I still owed {$780.00} on one of the accounts. XXXX and XXXX credit histories continue to show that I owe the full balance and do not acknowledge that the accounts have been settled. 

On XX/XX/2022 I sent a copy of the XXXX report and the letter from IQ Data International stating my account was settled in full to XXXX XXXX, requesting an investigation into the matter and corrective action to remove the negative information from all three reports and update the account as settled in full. No response has been received.
Product: Credit reporting or other personal consumer reports

Company failed to provide a proper investigation concerning my request to block information resulting from identity theft. I am the only person with first hand knowledge and I never verify this transaction. The company failed to ask family and neighbors any question concerning this transaction. I have a FTC report which was ignored due to Chexsystems store policy that the report needed to be signed. Lied about an investigation even though the Block of information was denied and still came back verified solely because the FTC report was not signed. These acts on the behalf of ChexSystem amount to identity theft and can be held liable for every consumer law code and regulation that the chexsystem has violated which lead to damages and have now lost confidence in the banking system because you are not vested in insuring accurate consumer reporting.
Product: Credit card

We submitted a dispute to USAA for a XXXX we ordered from XXXX XXXX XXXX XXXX on XX/XX/2023. We had charged the XXXX to our USAA credit card for the amount of {$1800.00}. We submitted the dispute within the required time frame. We ordered the XXXX  by way of the XXXX XXXX XXXX website. We paid for the XXXX  on the website through XXXX and the money went to XXXX XXXX. We received a confirmation from XXXX XXXX XXXX XXXX saying they sent the XXXXXXXX to us and provided a tracking number with XXXX XXXX. We looked up the tracking number on the XXXX XXXX website and it said the XXXX was on its way. It didn't arrive within the time period so my husband contacted XXXX XXXX XXXX and they said it was on it way. We entered the tracking number again in the XXXX XXXX website and it said the XXXX was in New York and on its way. We never received the XXXX. We entered a dispute with USSA and provided them with correspondence that we had with XXXX XXXX XXXX. In addition, we provided emails, text messages, and copies of messages we entered in the XXXX XXXX XXXX website and XXXX website. As of today, we haven't received our XXXX or our money returned to us. USAA after receiving all the above-mentioned documentation declined our dispute stating the information was insufficient. There is nothing insufficent about our dispute. We ordered a XXXX  with our USAA credit card for {$1800.00} and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DTEDXXXX XXXX {$5500.00} DTEDXXXX XXXX {$0.00} DTEDXXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$4500.00} XXXX XXXX {$0.00} XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} XXXX  XXXX {$80000.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have having a problem with Bridgecrest formerly known has XXXX. 
I call them and made payment arrangements now they keep reporting that am late on payments.. Which I was not. I have spoke to them several times and they tell me that I have no lates but on my credit reports they are reporting lates. This is really effecting me to purchases anything on credit. I dont see how they can say one thing to me then report something different .I would like this matter fix as soon as possible I dont not have 4 late payments are they are reporting.
Product: Debt collection

Sent a validation letter request certified. Company received and took no action. Called and said they where not obligated to send. The account was fromn XX/XX/XXXX. I know nothing about this debt or if it is a valid debt or not. I requested they remove this from my credit report and stated they would not and to contact the original vendor. XXXX XXXX XXXX. Which I did. They know nothing about this debt and refused to contact collection agency CBE. Want the debt removed my credit report and want validation for all debts held by this company. I only seen one on my report but agent said there where over 6k from the same company. I need to see this bills and conduct and audit for validity. And I want this removed from my credit report immediately. I have disputed this debt in XX/XX/XXXX and the company has not responded. The amount of the debt is XXXX XXXX XXXX care, It has hurt my credit score and want this removed.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX {$6000.00} XXXX XXXX {$5800.00} XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX
Product: Checking or savings account

On or about XXXX of 2019 I contacted CIT Bank about 2 large IRA 5 year CD 's I had coming due in both XXXX and XXXX. I wanted to both negotiate renewal and combine the CD 's at either CIT Bank or another institution of my choice consummate with interest rates and terms offered. I was informed that CIT Bank would notify me by email and USPS mail with the terms and conditions of renewal and allow me to change them if necessary. I explained that given our intense schedule it was important I be notified in a timely manner as my Wife is a 25 year XXXX American Veteran being supplied with a Military Service Animal and we will be out of the country late XXXX to Early XXXX on a Transatlantic cruise. During our cruise I had Internet access and did not get any notifications from CIT. I check my Spam daily to prevent missing anything. I also am signed up with USPS Informed Delivery which provides me with an image of every piece of USPS mail I get in my box daily. For a period of 60 days I received no mail from CIT Bank at all. When we returned from our trip I checked the 2 accounts and they were auto renewed for 5 years with an interest rate reduction from 2.42 % to 1.74 %. I called CIT Bank and they verified both my email and street address and they were both correct. They claimed they mailed a renewal form and never got any return mail. They only offered to cancel the CD 's with a significant penalty as the total almost {$39000.00} combined. I escalated to a Manager who only offered to reduce the term to one year at 2.20 %. I explained I have an offer with another bank of 5 years at 3.50 % and I want them cashed in with no penalty. I informed them if they want to reduce any accrued interest already earned from the maturity dates to their lowest rate I was OK with that. They refused. They stated my 3 choices were pay the penalty, withdraw the money as an IRA early disbursement and pay the taxes or accept the shorter term. All 3 are unacceptable. Attached id an XXXX statement I got online. It is one page and shows balances only. There is no attached notification of renewal, penalties or requirements even though the statement is dated 8 days prior to the first renewal. Can you assist me in this matter?
Product: Credit reporting or other personal consumer reports

Please promptly block and remove the unauthorized accounts from my credit report. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILDSUPPORT XXXX CHILD SUPP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX