23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My situation pertains to multiple collections being placed into my Consumer Credit Files by Phoenix Financial Services Collections, without verification/validation or requested documentation or investigation as requested. 

In some case items are removed due to failure to provide such documentation and are then reinserted in duplicate, again with no notification as required under law. In this manner Phoenix Financial has glutted my credit files, duplicated entries and driven me to desperation. They have yet to comply with any request at validation under FDCPA or even FCRA guidelines. They ignore my requests and provide invoices ( their bills ),  but no tangible proof that the debts are accurate at all. I challenged the veracity of their claims, and to date no such proof has been forthcoming. It is my belief that they do not hold such data, and are cramming and trying to bully me into paying something which as I have stated multiple times, is not mine.
Product: Credit card or prepaid card

I met a woman by the name of XXXX XXXX. She told me she lived in Texas. She made an agreement with me that If I purchased for her XXXX gift cards for her disabled beneficiaries, she would pay off the balance of the XXXX cards as well as my credit card debt I had with discover. She made three payments on my discover account using a XXXX bank account and a XXXX bank account. All three payments were ACCEPTED AND POSTED to my account therefore leaving me under the impression that this was a legitimate agreement and not any sort of scam or fraudulent activity. I also contacted discover and spoke with a representative and he informed me that the first payment she made of XXXX was accepted. I come to find I wake up one morning to see all three payments she made on my account were returned as well as returned check charges because the accounts were closed in which she used to make these payments with. I informed XXXX XXXX of the situation and she agreed she would fly down to XXXX and meet with me to provide me with the money in cash to compensate for the situation and the payments not being accepted by her banks. On the day of, she blocked me and I have no way of communicating with her. Her phone number is : XXXX XXXX XXXX XXXX. I also have photos of her that she provided me with that are attached. Also, I contacted XXXX support and they informed me that these XXXX cards purchases are fraudulent and I should not be held responsible because they were used for fraudulent purposes. However, discover is not cooperating.The black woman in the photos is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX & XXXX collections has furnished a deceptive account to my credit file XX/XX/XXXX. I called both places asking for the payments I made on XX/XX/XXXX when I closed the account out & neither can supply the payment. The payment was in the amount of {$1100.00} for all equipment listed on the account when it was closed. They insist that I have a balance of {$120.00} in collections for a cellspot device that was not on my account. I have attached copies of the receipts from XX/XX/XXXX showing I paid off all equipment that was listed on the account. This was paid in store. I called the store to confirm I made this payment there on that day & the store was able to pull up the receipt & confirm that I paid off all of the equipment & advised that there must be a problem on customer service end. I am very frustrated with this situation. XXXX customer service has no notes of the ongoing problems I was having with them since XXXX when I disconnected my phone line ending in XXXX. I was married at that time. I separated from my husband XX/XX/XXXX because of XXXX  XXXX ( including XXXX XXXX  ) I got a restraining order against him. He was listed on the account as an authorized user & had a mobile line on there ending in XXXX. He took out various lines of credit & claimed he didn't. Even after the restraining order he upgraded his phone. I tried getting XXXX  assistance in helping him take over the account because I hadn't had a device with them since XX/XX/XXXX. They advise me to keep him as an authorized user since that would be the only way he could take it over. He never would. I called customer service multiple times about this. They would 3way him & he would say he was going to pay the late bills & take over the account. Whenever the time came, he did not. Raking continuous late payments in my name. Finally, in XXXX I got to a place financially where I could pay the account off, remove him as an authorized user, & close the account. I forgot to mention I had the service turned off prior & he called to have it turned back on. After this I went into the XXXX store ( listed on the receipts ) a few times until I finally just said forget it. I'll just have to take a loss on this. I asked them to pull up every device on the account so that I could pay them off when I close the account. You will see by the timing of the payments that I paid the equipment after the past due bill was paid & account was closed. All balances became due that day on all of the equipment. I paid it then & there. I have not heard of this other device that XXXX claims I didn't pay.This has been the most stressful experience with them. I want this deleted from my credit immediately! This whole situation has been very misleading from dragging me through keeping my XXXX  on the line as an authorized user to furnishing this deceptive file. I hope this can be resolved amicably. I would rather not pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned and alarmed NAVIENT accounts show up more than 22 times on my consumer report and is inaccurate and are not validated. I have tried several times to contact NAVIENT in which they always respond they will correct and remove this but never do.

I spoke several times with reps from NAVIENT ; explaining there are several accounts on my credit report from NAVIENT that are inaccurate and some accounts do NOT belong to me.

USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate, or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all NAVIENT accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.
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. 

List of Unauthorized Inquiries : 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 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 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 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: Student loan

Updated balances from payments made are not reflecting on credit reports. Last report to credit agencies from Nelnet was XX/XX/XXXX. Tried to resolve with Nelnet but gave up after waiting on hold for 4 hours.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft this account should be deleted immediately, I have attached all of the relevant information, proof of address, ID, FTC report. 
I am writing to challenge the reporting and compliance on an account with XXXX XXXX account number XXXX that is being reported on my credit report with incorrect/missing/incomplete info. 
More specifically, I am referencing the fact that you are reporting this account was closed XX/XX/XXXX but you are still reporting late payments and charged off status throughout XXXX and XXXX. 
This account was closed XX/XX/XXXX but there are XXXX on time payments being reported XXXX and XX/XX/XXXX, how is this possible if this account is closed? 
An incorrect high balance of XXXX $ on this account that is closed and charged off XX/XX/XXXX. 
XXXX shows paid on time XX/XX/XXXX but XXXX shows a 30 Day late payment? After account was closed late payment history is being reported and updated inaccurately for XXXX, XXXX, Transunion, XXXX, an inaccurate date of last activity incorrect, an inaccurate date of last update, an inaccurate reporting date ]. 
I have listed 13 different errors in your reporting, Update and correct/missing/incomplete information or if all the errors are not corrected. DELETE THIS ACCOUNT
Product: Debt collection

I am filing this complaint because Phoenix financial has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.
Product: Debt collection

I moved out of my rental apartment a month early due to me not being able to pay the next months amount of around {$1300.00}. After going through financial crisis, they had sent my debt owed of that amount to a collection and now they want around XXXX. Ive paid some of it back but they keep harassing me.
Product: Bank account or service

While searching online to consolidate some loans I had, I came across information that said some of the loans I had were actually illegal in my state. I searched and researched some more, and found a non-profit that helped me to understand that the loans I had were void in my state of Virginia, and why. They also alerted me to the fact that under XXXX rules, I could request that my bank refund what I had paid to the lender of the void loans, because they were not valid and I never gave true authorization, because I did n't know the loans were void, and the companies neglected to tell me. I wrote a letter to my bank with all of my documentation on the fact that the loans were void, and also put in an affidavit through their system to get my payments returned to me. I was told that I had to submit their form, but I also went into a branch to and fax delivered my letter and accompanying documentation. XXXX the XXXX, I had spoken with a woman who said that even with the documentation, they could only get 60 days of payments returned if approved. I told her that I would still like to request the entire amount that I had paid, because I thought it was wrong for XXXX to offer loans that were void for me. She told me to fax the information ( letter and documentation XXXX to a number that would handle the request. I faxed the paperwork on XXXX XXXX. The day after I faxed the information, I went into a bank branch to close that particular account ( not changing anything about my other accounts ) and hand delivered the same paperwork and asked that it be submitted that way to be sure that my paperwork made it to whomever needed to see it to deal with my letter and request. At the branch, I spoke to XXXX XXXX, the XXXX office personal banker. She made a copy and assured me that it would get to the right place. Since then, I have heard nothing about my request. I thought I was supposed to have heard back from them by now, 15 days later or at least an acknowledgement of receiving my information and a time frame for response. I did not want to badger them, but I think I should have heard something by now or at least know that they are working on it or would get back to me in a particular time period. Hearing nothing makes me think that they may have misplaced my request, or that they can not follow XXXX guidelines which specifically reference online loans. I was also told, and put in my letter a reference to the Electronic Funds Transfer Act, which also allows for the return of payments on void loans.
Product: Checking or savings account

XXXX XXXX XXXX XXXX around XXXX XXXX  I did a deposit in my checking account at Capital One bank branch located in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with the teller named XXXX. 
I gave XXXX XXXX {$3500.00} US dollars in cash with different denominations bills throughout the window. 
XXXX XXXX gave me the slip deposit where it depicts a deposit of {$2600.00} US dollars only. 
I immediately complaint to her about the wrong amount of the receipt that she handled to me but instead of help me with my claim regarding the mistake in the deposit she walked outside the bank and returned after a lapsus of approximately 15 minutes. 
When she came back from the street I confronted her but she denied that I handled her the {$3500.00} and she wrote in a piece of paper the detail of the deposit as per her recollection of the transaction. 
I requested for the branch 's Manager but he was not at the bank at that moment. 
I returned to the bank 's location today around XXXX XXXX but the Manager still was not there. After my request for an appointment with the Manager he was contacted by phone. I spoke with him and explained the mistake with the deposit he offers to open an inside investigation. He offers to call me with the results of such investigation but he did not call me today. 
Due his non-response I tried to speak with the bank 's supervisor but I was unable to reach a person on the phone call, only the answering machine. 
Tomorrow I will try to put a complaint with the police. 
I am also writing to the CFPB in reach for some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the credit reporting system that is the problem. Good people that live well within their means and do not buy trinkets or spend money they do not have while paying more in the long run with interest, are treated worse than the people that do spend beyond their limits and live beyond their means. 

A person that accumulates debt is treated better than a responsible person that does not buy items they do not need. If you do not have credit and are looking to get a new vehicle, you pay over 5 times more in interest and have to put down a lot larger payment. People are forced to buy worthless trinkets or pay more than what an item costs ( interst rates ), ONLY to build a credit history. 

We are pushed to consume junk so someone else can make money off of the interest. We reward people for spending money on items they do not need and punish those that save or are conservative. We are building a materialistic society. It makes no sense. I attempted to get a new vehicle yesterday with $ XXXX down that I saved up. Because I have no credit history, they want $ XXXX down and 10.5 % APR. A few people I know pay less than 2-3 % APR and no one I have ever heard of pays $ XXXX down on a $ XXXX USED vehicle. 

People need to be measured by their Debt to Income ratio. If someone lives beyond their means and does not have enough expendable income, they should not be treated better than someone with plenty of expendable income. Only bad credit history should be a factor than no history & attempting to establish a loan for a vehicle that is a means to get to work and to the grocery store, necessities. This needs to change ...
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

Bank card got jammed in atm when it was trying to return card. As a result the atm would not dispense the XXXX I tried to take out. It took the funds from my account and I didn't get the money.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute a fraudulent account. I am a victim of identity theft, and I did open this account. I didnt give anyone permission to open this account using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account.
Product: Debt collection

XXXX has submitted a balance owed on me account to McCarthy, Burgess & Wolff XXXX XXXX XXXX XXXX, OH XXXX Main : XXXX - I have requested in writing a settlement offer on my account to close this out. I have not gotten any written communication on this matter. 
As I mentioned, according to your website, we should always get something in writing before making a move. 
As of today, {$580.00} was the settlement offer provided. I requested something in writing and nothing was provided. I was told by the collection caller, I need to pay first and then a letter would be released. I want a letter now - then I will settle my account.
Product: Money transfer, virtual currency, or money service

I was BofA 's client for over 40 years and last year I started wiring money for cryptocurrency ( which turned out to be a scam ) over {>= $1,000,000} was wired out of BoFa, after a few months of wiring money, I received two phone calls from BoFa 's employee on XX/XX/XXXX and Friday XX/XX/2023 yelling and screaming on the phone accusing me of being a criminal involved in XXXX XXXX because I am wiring XXXX  of dollars for cryptocurrency, I told her not to yell at me and that I have clients listening to her accusations but she continued with her accusations and threatened to freeze all my accounts and keep all the money, which at the time of the threat I had over {$700000.00}, because according to her it is XXXX XXXX  Both time I had clients with me who were there to sign a purchase contract for a {>= $1,000,000} house but after hearing BoFa 's accusations of XXXX XXXX  they walked away and I lost my clients, my commission and my impeccable business reputation. 

On Monday XX/XX/XXXX, all my accounts were frozen which included personal and business accounts, my credit card and debit card in addition to my not being able to sign in, leaving me stranded with NO money for gas, food, bills, no money to pay workers ... .Checks that I issued to my workers prior to having my accounts frozen could not be cashed, consequently, many of my workers threatened to have me arrested for giving them bad checks, even though I had plenty of money left in my accounts. BoFa traumatized me financially and emotionally. As BoFa kept all my money I filed complaints with government agencies who forwarded to BoFa and made them return my money but weeks later, however, BofA refused to return my credit card rewards in the amount of {$330.00} in violation of the CFPB ruling. In the meantime, I lost business, clients, my impeccable reputation to the point that I could not longer run my business from the shame BoFa put me through. Also, BofA made me lose {$490.00} in a XXXX scam from Bank of America Financial Center also in violation of the CFPB.

Bofa 's egregious actions were willful, wanton, reckless, intentional, malicious, defamatory, utter disregard for my wellbeing causing intentional infliction of emotional and financial trauma followed by cruel insensitive and defamatory remarks only compounded the pain by humiliation and embarrassment that ultimately caused me to stop working in the business that I enjoyed for over forty years. Bank of America must compensate me for over {>= $1,000,000} that they caused me lose in wire transfers to a cryptocurrency scam.
Product: Checking or savings account

I have a checking account with SoFi Bank and an authorized transaction with a company XXXX for XXXX for a membership that was canceled prior to them taking the funds the company only refunded XXXX so I reported the XXXX to SoFi I gave them the allotted amount of time the XXXX business days and I was told my multiple representatives including managers and supervisors XXXX named XXXX that would have my provisional credit by the end of the business day XXXX which was not the truth so I called today XXXX XXXX was rude and only gave me the run around stating that I now had to wait til Monday after I explained the urgency of needing my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that the CRA remove all old addresses and variations of the spelling of my name to show a complete and accurate consumer report. The correct and accurate name should show as XXXX XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX GA XXXX. I have enclosed a copy of my drivers license and a copy of a current utility bill as proof of my residence address, please remove address XXXX XXXX XXXX XXXX XXXX GA XXXX as shown on my credit report dated XX/XX/XXXX, as I have not lived there for quite some time, and since many other people have been using address XXXX XXXX XXXX XXXX XXXX GA XXXX in the years since I was there, I am concerned that the reporting of this address on my current report may create an opportunity for identity theft as I have a fairly common name.