23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute for the negative items on my report in XXXX and XXXX of 2018 to the three reporting agencies I did not receive any update on my dispute in the mail or email from these reporting agencies. Under the FCRA if they can not validate the account is true and accurate to me or respond in 30 days the collections have to be removed. Also, these collections on my report I've never heard of or contracted with so I do not owe these collection companies on my report ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ). I do not owe this debt and they did not and can not provide a validation and signed contract with my signature. I asked that these collections be removed per FCRA violation.
Product: Debt collection

A Debt Validation letter was mailed out to NCB Management services, Inc on XX/XX/XXXX via Certified mail requesting the following documentation that was not received. Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

I request via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX. 

Proof of how your company assessed the outstanding debt. 
Copy of the original contract bearing my signature. 
Payment history from the original creditor. 
Date ( that this alleged debt became payable ) : Date of Original Charge or Delinquency : Proof that you either own or were assigned the debt from the creditor? 
Amount Paid if Debt was Purchased? 
Chain of title on this debt. 
Proof that you have the right to collect this debt in my state. 
Proof that your company carries a bond. 
Proof that you can collect this debt from me. 
What fees/interest was tacked onto the debt? 
How were the fees determined? 
Commission for debt collector if collection efforts are successful. 

I did not receive the requested information, after numerous request. 

Upon reviewing my records I received on XX/XX/XXXX a letter from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX a Debt collection agency ref account XXXX XXXX, XXXX writing to notify me that the company experienced a data breach with unauthorized access to certain systems network that took place between XX/XX/XXXX and XX/XX/XXXX this letter was dated XX/XX/XXXX. 

I have also received collection notice for another company XXXX XXXX XXXX XXXX also attempting to collect a Debt for referenced account XXXX XXXX, XXXX dated XX/XX/XXXX. Which brings my question of how NCB was able to acquire this debt from XXXX if the account was under XXXX XXXX XXXX XXXX? 

NCB has not properly verified the accounts by not providing a signed contract agreement between myself and NCB or providing the purchase agreement from whom they purchased this debt outlining the right to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance is reporting inaccurate information monthly on my credit report. The loan was paid off by gap insurance when the car was totaled in 2016.
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. I have reached out to Equifax Credit Bureau last XX/XX/2021, but no response was ever received from them to date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}
Product: Debt collection

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX located in XXXX XXXX CO is currently under investigation by XXXX XXXX XXXX XXXX for XXXX civil/disability discrimination complaint. Prior to HUD taking action on my behalf, I was a long-time tenant at XXXX XXXX XXXX which my tenancy ended XX/XX/XXXX after providing a 30 day notice pursuant to my month to month lease agreement. At that time, XXXX was aware of a medical condition adversely impacting my ability to pay rent on time. XXXX, XXXX XXXX - XXXX XXXX- indicated to me she did not want to send my account to collections as she knew it would hurt my credit. However, that is what she did. After paying my outstanding balance for many months, XXXX verified my current balance owed was {$2700.00}. I filed a complaint as advised by legal counsel I may want to do to preserve my right to address a discrimination complaint. After I filed this complaint, XXXX XXXX submitted an over-inflated balance to collections for almost double this amount. The collection company placed this on my credit report which adversely impacted my ability to secure new housing. I contacted the collections company, Carter Young within a few days after receiving a collections letter from them that stated if the amount is disputed by XX/XX/XXXX, which it was, they would cease reporting collections activity. They did not follow this promise. Instead, they continued to report the wrong amount. I contacted them again recently and was told to update my portal with this information that the debt amount was not correct. Carter Young has yet to address this and the wrong amount remains in collections and is continuing to hurt my credit score.
Product: Credit card or prepaid card

On XX/XX/2023, I applied for a new credit card based on the following welcome offer : {$200.00} Rewards 1.5 % cash back Intro APR Purchases : 0 % intro on purchases for 15 months Balance Transfers : 0 % intro on balance transfers for 15 months Regular APR 19.24 % - 29.24 % ( Variable ) CREDIT SCORE : Good/Excellent ( XXXX ) More specifically, I applied because I wanted the balance transfer of 0 % APR for 15 months ; however, the Capital One stated the following : There are currently no Balance Transfer offers available on your account. If you recently received an email offer, this means you were eligible at the time you were selected to receive the email. However, eligibility for offers change from time to time, based on a large number of factors. Unfortunately, we are unable to provide specifics on which factors may have changed. Please note : If this is a new account, offers may appear after the account is at least 11 days old.

Again, I applied for the credit card based on the offer of balance transfer of 0 % APR for 15 months which is now not being offered to me which is deceptive, unfair and abusive. Now my credit score will be affected due to applying for a offer that was deceptive.
Product: Credit card or prepaid card

I wanted to purchase XXXX XXXX  from Best Buy. They displayed an offer to apply for a Best Buy CitiBank visa card and get 10 % back in rewards if I pay with the card. I applied for a card, my application was approved and I paid $ XXXX+tax= {$630.00} with the card. Later it turned out that they is lied. Instead of issuing a statement credit of 10 %, they have promised to issue certificates worth of {$55.00} ( LESS THAN 10 $!!! ) that can be used only to make purchases in Best Buy. I called the credit card company and talked to a representative and then to a supervisor. They refused to offer a satisfactory resolution. I said to them that I am not planning to shop in Best Buy any time soon. I said they must disclose in their offer that the reward points can be used only to get certificates for making purchases in Best Buy. This was not disclosed in their offer ( their offer is attached ). If I knew that I can only get certificates to use them in Best Buy, I would never apply for this credit card. I could use another card that gives better benefits. I strongly believe that what they have done is HIGHLY DISHONEST. I hope you can assist me in finding a resolution.
Product: Checking or savings account

Problem 1. Customer service people dragged me for six months and literally kept passing the call to someone who does not have access to look at my bank statements.

Problem 2. Data Breach Privacy Problem 1. Customer service people dragged me for six months and literally kept passing the call to someone who does not have access to look at my bank statements. 
I spent lot of my times in explaining over the phone to Customer service people and they were just forwarded my call to their colleague saying their supervisor and manger but they are not. 
They dragged me for 6 months, their negligence and poor customer service caused me to undergone severe stress and mental agony. I need a compensation for the time which I spent to recover my money back from Chase. Because of their worst service which dragged me till 6 months to claim my money. 
I want a compensation for my 6 months time which I spent with chase. 

Chase Customer Service is very bad and Data Privacy policies should revisit and their system validation process to correct and enact with privacy guidelines. Process and maintain customer data in secured manner not just share to someone else who doesn't relate to the transaction. 

Problem 2 : Data Privacy breach I XXXX XXXX deposited a XXXX XXXX XXXX Check into my Chase account for realization on XX/XX/2018. That deposited check got returned saying " Duplicate Presentment '' But when I looked at the returned notification letter where there was an attached copy of check which is not the one I submitted for realization. ( That check belongs to someone else not mine ) Check number, Date are identical. Only the amount {$400.00} and first 5 letter of first name is similar but not the last name. 
My concern and worry about my data might have shared with someone like I received of somebody else check and details. It's a Customer Data Privacy policy breach because of their negligence of their processing systems fail to comply with privacy policies and mainly their customer service caused me to undergo lot of stress due course. 

I can provide more details if needed with all documents. Please feel free to reach me at XXXX XXXX XXXX and my email Address. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with Ocwen Loan which was closed 10 years ago in XX/XX/XXXX. XX/XX/XXXX... 

I see they added derogatory information on my report stating that I have been paying a 30-day late on my mortgage every month beginning XX/XX/XXXX until XX/XX/XXXX. 

This is incorrect as the mortgage was closed in XXXX. 

When I called Ocwen to get this settled, closed and removed, the person on the phone, said, They were only trying to regain their losses. 

This account should not be appearing on my credit reports. 

The last date of Activity on my account with Ocwen was in XXXX.
Product: Debt collection

I contacted TLRA on Friday XX/XX/XXXX  I also wrote a letter and put in t he mail on XX/XX/XXXX Requesting the original accounts because they letters were the first of me knowing that I owed anyone.
Product: Credit card or prepaid card

I had a lot of trouble with US Bank ReliaCard. My card and all of my personal information associated with the card were compromised on XX/XX/XXXX. After alerting US Bank ReliaCard services about the security breach, my card was locked, and it had been a nightmare trying to get restore my personal information and unlock my ReliaCard. To date, we are still disputing several fraudulent charges and waiting for resolution to unlock the card.The bank has asked me to fax them VERY sensitive personal information, a handwritten note about restoring my personal identity, along with photocopies of personal ID. I have provided everything as requested, both with my driver 's license for the first fax ( sent on XX/XX/XXXX XXXX, and a passport for my second fax per their request ( sent on XX/XX/XXXX ), and they still have not done anything to resolve my issue. We are racking up on our credit card debt to cover the cost, and I am also deeply concerned about my personal information. Out of fear, I started to pay out of pocket to monitor my identity and credit activities due to distrust of US Bank 's security system and their handling of my personal information. Right now, our family have no access to thousands of dollars of my unemployment fund. I sit on the phone for hours every day and US Bank ReliaCard has done nothing to help me resolve issues. I appreciate your advocacy for all of us who are struggling during this difficult time. 

Thank you.
Product: Credit card

Transaction date XXXX for the amount of {$630.00}. at XXXX XXXX XXXX Transaction date XXXX for the amount of {$110.00} at XXXX XXXX XXXX XXXX. The credit cards used where in my possession when these transaction took place with out my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX SSN : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan with ( XXXX XXXX XXXX XXXX XXXX for the amount of {$20000.00} ( XXXX ) XXXX XXXX XXXX for the amount of {$580.00} ( XXXX XXXX XXXX XXXX  for the amount of {$460.00} ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXor the amount of {$110.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX  for the amount of {$720.00} ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$720.00} ( XXXX XXXX XXXX for the amount XXXX $ XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I have listed these fraudulent accounts that are on the report that is being maintained by you.I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number # XXXX # from FTC as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ALL HAS VIOLATED MY RIGHTS! UNDER 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 ) States : A consumer Reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 conviction of crimes which antedate the report by more then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish my 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

This inaccurate reporting was going on since 2018. This was vacated by court order and I am not responsible for this account. Why is it still showing on my account? Please remove accordingly per court order. You have an obligation to remove invalid information and you need to comply especially an court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company numerous times with no resolution on a XXXX XXXX account. This account is fraudulent. I have also Contacted all Three credit bureaus and only experian has responded and stated to me to contact the company. 

I have yet to receive a response from XXXX  and XXXX  on this matter
Product: Credit reporting or other personal consumer reports

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all 3 bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the 2nd investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXX XXXX XXXX added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a XXXX  XXXX account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXX ID # XXXX  XXXX a Manager in fraud and dispute. it has been over 90 days and investigations by all XXXX bureaus. I am making this complaint to have on Record beyond the credit bureaus, XXXX  XXXX IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX  REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN XXXX AND 3 INVESTIGATIONS AND XXXX XXXX HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX UNIT XXXX XXXX XXXX, NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I requested to have, Continental Exchange Solutions , Inc. XXXX XE USA, exchange USD to JPY, I needed to send my supplier in XXXX XXXX Yen. 
The contract number for this exchange with XE is XXXX, On XX/XX/2033 I innated a wire from my bank XXXX XXXX to XE in the amount of {$37000.00}, on XX/XX/XXXX They confirmed receipt of my funds and on XX/XX/2022 they confirmed to me that the funds were sent to my Supplier in XXXX and the transaction was complete. 
-- I have had a many year relationship with my supplier and they do not worry about funds from our company, but on XX/XX/XXXX they contacted me to ask if I had sent payment, I sent them a copy of my confirmation from XE and they rechecked with their bank, the funds were never received. 
-- On the morning of XX/XX/XXXX I opened a case with XE, they have had my funds for XXXX weeks at this point with no indication to me that there were any issues. Due to the already extensive delay and holding of my funds I expected to have a fast resolution, I still have nothing but sideways talk from XE. The funds were sent to a supplier I have sent to many times in the past, XE has sent funds to the same supplier 7 times in the last year, the suppliers bank information is the same as it was the last 7 times. 
-- My number one priority is to find my funds and get them to my supplier, but inn addition Looking at other reviews on line, it seems that XE has a pattern of doing the same thing to many customers, I feel as thought I should receive interest payments on the money they have been holding
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity ThefXXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXF XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

I received a notice that someone attempted to open an account in my name at Bank of America. I called the bank at XXXX and spoke to an agent who told me the Application ID number was XXXX and it was submitted on XX/XX/2022. However she would not tell me the email address that was used by the criminal who was trying to open the account in my name. 

I think that Bank of America should do more to protect me from this type of fraud and should help pursue the criminal who has tried to steal from me in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX on my Experian Report is being reported improperly. I provided a dispute request notice to XXXX informing them to no longer report any of my transaction information which is prohibited under Federal U.S Code. My student loan account XXXX contains transaction information in the report. Experian grave duty is to protect my rights as a consumer to protect my rights to privacy but has not by their continuance to report account XXXX that contains prohibited information. I have enclosed a copy of notice provided to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early warning system re-inserted multiple account information back on my consumer report. Has failed to provide how XXXX XXXX verified fraudulent balances and information. Provide the physical documentation that was given that complies with the law under the FCRA that allows you to re-insert the information. Otherwise promptly delete the information back off of my consumer report.