23daVinci/CFPB_Complaints huggingface dataset:
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 STERLING JEWELERS INC/ XXXX XXXX XXXX XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( 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: Mortgage

Chase sent my property and school tax payments to the wrong address and collection office resulting in my taxes being delinquent. I had spoken to XXXX XXXX in their executive office at XXXX. She advised it would be taken care of and I received a letter from Chase stating the payment was sent. However I received a letter on XXXX from my local tax bureau sending my delinquent payment to collections stating they havent received it yet.
Product: Debt collection

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/scrub>/2024 ] Subject : Formal Complaint Regarding Debt XXXX Violating Consumer Protection Laws Dear XXXX, I am writing to file a formal complaint against several debt XXXX who are violating my rights as a consumer under both federal and state laws, as well as specific provisions of the Uniform Commercial Code ( UCC ). These violations include unlawful practices that are not in compliance with consumer protection laws. 

The specific issues I have encountered include : XXXX. Unauthorized Withdrawals/Collections : Debt XXXX have attempted to withdraw funds from my account without my consent, which is a violation of UCC 4-403 . This section states that a bank must honor a stop-payment order from the account holder, and any withdrawal without my authorization constitutes a breach of this provision. 
XXXX. Failure to Provide Proper Validation of Debt : According to UCC 3-501, the collector is required to provide proper presentment of the debt and the original instrument that bears my signature. Despite my requests, the debt XXXX have failed to provide any valid evidence or validation of the debt they are attempting to collect. 
XXXX. Misrepresentation and Deceptive Practices : The actions of these debt XXXX also violate UCC 1-201 ( 19 ), In accordance with the Uniform Commercial Code ( UCC ), specifically UCC 3-501 and UCC 9-406, I hereby formally notify you that I do not consent to any further communication from you regarding this matter. Additionally, I dispute any claims of indebtedness and reserve all rights related to any alleged obligation to owe or pay you anything. 

Please consider this letter as a definitive statement on the issue and cease all further communication and collection efforts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that there's a collections account on my credit reports from " National Credit Systems , Inc '' but I have never heard of such a company. I have never signed anything with, nor communicated with this company. I believe this collections account may belong to someone else and was placed on my credit reports in error. I request copies of anything this company may have with my signature and/or social security number, if any documents they may have exist. I request that this account be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cbna made two unsolicited hard inquiries on my credit on one day. It dropped my rate by 41 points. This is completely unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, a financial data collection service, whom I never gave permission to collect my data, failed to keep that data safe, and has compromised 150 million people 's personal information, including my own. Furthermore, the FREE protection that they have provided in the aftermath of this nightmare, does not go far enough to protect those affected, forcing us to pay for a more secure protection service. How can these people be allowed to collect our data without our permission and then not have enough security in place to protect us. This is unacceptable!!
Product: Money transfer, virtual currency, or money service

I puchased a Money order to buy a car. The owner decided he wanted cash so ended up not needing the money order. I bought it at XXXX through Western Union. XXXX would not cash it so I went home to go to XXXX to cash. By the time I got hit was ripped and wet. XXXX or my own personal bank wouldn't cash it. I called XXXX and they sent me a form to fill out and requested the Money Order from me as well. I sent that in and after a few weeks I followed up. They stated they never received anything from me. I have resent the picture I tool of the Money Order to them multiple times and everytime I call they claim they have not received it. I have no idea what is going on but it has been over 3 months now. They are no help at all and whoever answers will not transfer me to a Superviosr. I don't know what else to do.
Product: Credit card

I am requesting claims and defenses under Federal law ( 15 USC 1666i ). This section specifies that the cardholder 's liability is limited to the outstanding balance minus the fraudulent transaction at the time the issuer is notified. I do not consent to any past or future payments being applied for the fraudulent charge. I hereby inform the card issuer and representative investigating the case, that I am withholding payment on the fraudulent charge ( s ). However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact my credit report and reputation. According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss and fraudulent transactions. The Fair Credit Billing Act safeguards consumers from fraudulent transactions or charges on their credit card accounts. I am requesting a full reversal of the fraudulent transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amex XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amex XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. This account XXXX : Account number : XXXX is not complete and it's not accurate. 

XXXX XXXX : Account number : XXXX is not complete and it's not accurate. 

XXXX : Account number : XXXX is not complete and it's not accurate XXXX CARD : Account number : XXXX is not complete and it's not accurate I sent to XXXX on XX/XX/XXXX, asking them to reinvestigate the accounts above and here is my tracking number : XXXX XXXX XXXX XXXX XXXX I got the investigation back but noticed nothing was modified or updated. According to 15 USC 1681 ( 5 ) So I sent a letter on XX/XX/XXXX requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 16811 ( 7 ). I did not receive description of the reinvestigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in 2016 with a XXXX XXXX through XXXX XXXX. I paid consistently for 2 yrs then lost my job. I self repossessed returned car which was run through auction. To this day 7yrs later it is still on my credit as an open delinquent account with same money due from before auction. I have contacted them with no option but to pay full amount. They keep checking my credit and will not close account or remove it. It is hurting my chances of ever getting a home loan or better credit. I feel this practice of high interest loans is wrong as it can never be paid off successfully. I need help getting it removed or closed. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received mail that doesn't is not mine please remove the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SYNCB/PAYPAL
Product: Debt collection

The amount they are claiming that I owe is the incorrect amount. I have discussed this with the company ( XXXX XXXX ) and this company is still harassing me stating that I owe a larger amount than I actually owe. I find the threats disrespectful, as well.
Product: Checking or savings account

Chase released {$6800.00} without my authorization, on a fraudulant check cashed with a name that doesn't even match, has never been associated with myself or my account -- just a completely falsified check with a MAN 's name on it, printed at the top, and signed by the same man. 

I notified Chase as soon as I saw this on XX/XX/XXXX via phone. They said it was obviously a clear case of fraud and we could expect our funds back in 3-5 days. This was already unacceptable as we needed to wire some of those funds to close an escrow the next day. 

Since then, another 10 days have past. I went into a branch immediately on Monday XX/XX/XXXX where we I did my due diligence of reporting this in person and was told again it would be resolved in a couple days. Those passed and still nothing. Another promise of " tomorrow, or day after, latest. '' Those days passed. Now XX/XX/XXXX, went into branch again only to be told now they don't know when. Our rent is past due and I have no money. They have broken promises on 3 or 4 separate occasions on this already. We have a copy of the bogus check and they do as well. Everything 's been reported and filled out and they keep making false promises and stringing me along as my life falls apart with {$0.00} dollars. They didn't even look at the name on the check. They gave away all my money, {$6800.00} and I have no idea or confidence at this point when or if I will even get it back. They keep lying and refuse to replenish my money they recklessly released and refuse to give my money back. They are FDIC insured, they are supposed to protect against this sort of thing and certainly help and make good on their word to distressed customers whose lives are in dire straits rather than lie, make false promises, use stall tactics and refuse to make the funds available that SHOULD NEVER HAVE BEEN RELEASED.
Product: Mortgage

XXXX on XX/XX/XXXX sent notice they were transferring my loan To A Freedom Mortage. And By law they must notify Me who they are within 15 days with the Loan no. And where to send the payments to. I heard nothing from them Until today XX/XX/2020, stating I am Past due on my XXXX XXXXpayment. ( I never been past due on any Payment, I even pay an extra {$1000.00} a month to pay my 30 loan off in less than 7 years. ) I called and spoken to 2 reps, saying they didn't have to notify me within that time period.I received the notice 17days past the due date and that was legal. They will not modify the date because I should have paid it on the first. ( Without any information about my loan, Loan no. or where to or how to pay it. )
Product: Money transfer, virtual currency, or money service

I used Zelle to send & receive money through my online bank app. But funds were sent to the wrong person multiple times. No refunds were issued
Product: Money transfer, virtual currency, or money service

I am a victim of pig butchering scam. I wired money to XXXX XXXX on XX/XX/XXXX for {$55000.00} and on XX/XX/XXXX for {$110000.00} through my bank account with XXXX XXXX XXXX. 
I initiated wire recalls on XX/XX/XXXX once I came to know about the scam. 
This business is using wire transfers as part of a scheme to defraud or to obtain money by means of false or fraudulent pretenses My complaint alleges that the proceeds of wire fraud was involved in money laundering and Banks are facilitating. I initiated wire recalls through my XXXX XXXX XXXX  on XX/XX/XXXX, but so far no recovery is done. 
2 wires in the amount of {$55000.00} sent on XXXX and {$110000.00} sent on XX/XX/10 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Beneficiary 's Account Number : XXXX XXXX Routing Number:XXXX  Bank Name : Citi Bank XXXX XXXX XXXX XXXX Bank Address:XXXX XXXX XXXX., XXXX XXXX XXXX NJ XXXX I have reached out my local XXXX law enforcement who has reported the case and assigned detective XXXX 
I have reached FBI through IC3 form and currently working with a FBI Agent XXXX XXXX from XXXX XXXX, CA, who is assigned formally to investigate my matter. My case # with the FBI is XXXX I have also reached out other authorities like FTC, CFTC, SEC, NFA, XXXX, Attorney General of Georgia, CFPB, OCC, FINRA, DFPI and XXXX XXXX District Congresswoman. 
I just want XXXX XXXXXXXX XXXX to return my money that I wired to XXXX XXXX XXXX XXXX XXXX under false pretense and misrepresentation.
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX XXXX has violated my rights .

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

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

On XX/XX/XXXX, I got a call from a man who, after confirming my name and address, said a " case '' had been filed against and that I was going to " be 'served ' with legal papers '' the following day. He gave a case number ( XXXX ) and number to call. XXXX called the number, and my identity was linked to my phone number, and was told I had a legal matter and would be served with papers concerning a debt. They pressed the matter and after I informed them I had no debts, was told they wouldn't hold a trial over the phone. I asked if they were debt collectors and they said they were a " mediation '' firm, and I called them debt collectors. I told them they sounded like a scam and were violating the FDCPA and they refused address, identity, corporate filing information and hung up. I called back demanding to know WHO they were, they kept hanging up. They had identified as XXXX XXXX and XXXX. I called back after waiting a few days and a woman told me they were in XXXX, Florida at XXXX XXXX XXXX, no XXXX XXXX. Upon checking with they property owner, the multiple suite complex had no such Tennant. Secretary of State Florida had no such business registered either. They provided an email of XXXX. checking email is valid but info on, biz site for ownership shows listed domain, but ownership details redacted for privacy. A subpoena or agency could get who they are released. I was also told this was an HSBC debt of over a thousand dollars from XXXX and they would settle the debt for 50 %. 
XXXX XXXX was trying to collect on a fraud listed fifteen year old debt, pretended it was a filed case, and denied trying to collect upon a debt I did not owe. 
Further research uncovers the same scam listed elsewhere by the same people. 
They refuse to discuss the matter, disclose who they are or where they are, or any corporate address or filings with any regulatory agencies. 
I can be reached at XXXX, and can provide enough proof of this to fine or charge them with a crime. The number for " XXXX XXXX '' is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was alarmed to see unauthorized inquiries I didnt expect. This is highly unusual, and I even tried refreshing the page, but the inquiries remained. Im very upset about this situation and ask that my documents be examined carefully so this issue can be resolved immediately and I can stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and I only authorized them to run my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit.
Product: Credit reporting or other personal consumer reports

Due to the negligence of XXXX, a data breach occurred and billions were recovered to this organization. In the interim, my life was affected financially.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from XXXX at Accounting Management Service Inc. ( collecting agency ), located in XXXX, CA and I was told I owe {$2000.00} to XXXX XXXX XXXX ( as XXXX ), located in XXXX, CA. 
Later that day, I found out XXXX charged me {$2200.00} for XXXX storage fee that we 've never agreed or authorized. After the fact I sent the signed " XXXX Form '' to XXXX on XX/XX/XXXX via both e-mail and regular mail, In addition, I specifically called the office for a confirmation that the form had been received and the embryo would be disposed of. No one ever mentioned that the form was not valid at the time. 
I 've been trying to dispute this unauthorized charge with the billing supervisor at XXXX however all she could say is " the disposition form we sent had a notation on it to get a notary. I believe the account has been sent to collection it needs to be paid. And that form needs to be signed by a notary in order to receive any more bills. '' Until I requested on XX/XX/XXXX to send me invoices that they claim I owe, I had never received the invoices from them. 
I strongly believe we do n't owe this debt for the reason I mentioned above. 
I do n't understand why we have to pay for something we 've never agreed or unauthorized. They are ignoring the fact this debt caused by the negligence of their staff handling our file. 
Please refer the attached statement of the fact that I sent to XXXX but they keep insisting we owe the debt. 
If you can escalate this matter to investigation to improve the way the they conduct their business, it 'll help other victims. 
And I hope you can convince them to dismiss this debt. 
After I filed a compliant to Federal Trade Commission, they suggested to file a compliant with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I wrote a check for {$55000.00} which was submitted from my XXXX XXXX account to a vendor at a chase bank. Chase bank held the funds due to suspicious check activitybut refused to verify my valid check with the distributing bank. They cashed my check # XXXX on XX/XX/2023, withdrawing the funds from my account. My money is now in limbo with chase bank, as it is not being submitted to the vendor as needed. This is paramount to chase bank stealing my XXXX by refusing to give the funds to the vendor.
Product: Mortgage

The mortgage company increased my payment by well over {$1200.00} which makes it nearly impossible for me to make these payments. I requested lower payments and was denied many times. I explained to them that the pandemic was very difficult for me financially and that I am able to now make my original mortgage payments but they did not reduce my payment. In fact my payment increased, making it more difficult to manage. My mortgage payment went from {$2100.00} to {$3500.00}. There is no way for someone to afford that and manage to live.
Product: Debt collection

I have contacted the company several times trying to figured out exactly what this matter is and but before they would give me any information they want me to give them my full social security number over the phone which I am not comfortable with doing. There are two accounts listed with this company and they wont do anything but tell me I have to pay or the next step is court. Ive disputed these two accounts with all three credit bureaus however it remained on my credit reports.