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

I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in its entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX Not Proven Compliant Account -- > XXXX
Product: Debt collection

PARAGON REVENUE GROUP IS ATTEMTING TO COLLECT ON AN INVALID / UNVERFIED DEBT WHICH IS A VIOLATION OF THE FDCPA, FDBA AND THE HIPAA ACT.
Product: Credit card

XXXX XXXXCard # : XXXX XXXXHello, My name is XXXX XXXX and I am writing as a very disgruntled card holder of your bank. 
On or about XXXX XXXX. 2015, I submitted through my Online Bill payment system, a payment in the amount f : {$67.00}. This check was apparently sent to your bank and received, and cashed on XXXX XXXX, 2015. But the funds never made their way to my Credit Card account as a payment received. 
I am not satisfied with this action, because your bank played a role in proactively making sure my payment was late and never posted. I had to send in additional funds to cover the minimum balance due at that time. As a customer with ALL XXXX Credit Cards that your bank offers, this really makes me think in a negative light about the actions and day to day activities at your bank. 
Not only could you look up my name and address on the front of the check - it even lists my credit card account number. Yet, the money still has not been posted to my XXXX XXXX account. 
The actions of your company has caused such a strain between me and the customer service team at my bank. You also caused continuous stress on me and your own customer service agents due to the fact that I CONTINUALLY CALLED AND AGITATED YOUR AGENTS ABOUT A PAYMENT THAT THEY TOLD ME I DID NOT MAKE. I know I am not mentally ill and I have the proof of such a payment. 
I 'm not sure who you have working for your company in accounts receivable, but they should to be replaced ASAP! Where is the money? 
I demand to be financially compensated for this shoddy error on your behalf. I would like the payment of : {$67.00} credited to my XXXX XXXX XXXX account immediately. I also would like an additional adjustment/credit made to my account for the exact amount of : {$67.00}, or I am requesting a Credit Limit Increase made to all of my XXXX/First National bank accounts immediately. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone tried using my card online to purchase XXXX play credits but they had to have accessed info from my phone
Product: Money transfer, virtual currency, or money service

Chime bank after I deposited my cashier 's check {$3500.00} refused it and since I signed it for chime mobile deposit only I could not cash it makes chime responsible for my funds and should be held accountable
Product: Credit card

I purchased a walking treadmill from a company called XXXX in XX/XX/2023. They said they were going to ship in XXXX. I emailed them in XXXX when I didnt receive the product. They said 2 more weeks so in two weeks I emailed them and they said 2 more weeks I did this every two weeks until like XXXX. 

At this point Im confident theyre never going to ship so I request a refund. They approve the refund said it would arrive 7 business days. I forgot about it and then a month or so later realized the refund never came through. 

Then I emailed them to ask and found out the company dissolved. 

I requested a charge dispute with Amex, the card I used to purchase. They didnt open an investigation because my purchase date was more than 60 days ago.
Product: Credit reporting or other personal consumer reports

The company failed to provide and/or send validation of alleged debit. The debit in question is now in litigation and I am seeking validation of debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$1000.00} There is no valid claim, no contract exist ... account was settled with original creditor by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not  be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Product: Student loan

I first became aware that my payments were not being applied to my account correctly when I received an email in XXXX stating my account was past due. I had seen that my autopay was taken out of my checking account so hadnt looked at my Mohela account. I called on XX/XX/XXXX and they opened an investigation into why my payments were not being applied. When I check my Mohela account a week or so later it had been updated and my account was made current. Then XXXX came along my checking account was deducted and again it was not applied I called again several times trying to speak to a representative starting on XX/XX/XXXX but was not able to speak with someone until XX/XX/XXXX. They again were not sure why it was not being applied and said they would put my account in forbearance while they looked into it. A week or so later my account was again current and my payment was posted. Then again in XXXX the same thing happens and I am not in forbearance. I called on XX/XX/XXXX. They said the investigation is still open and my payment is going into a suspense account and they dont know why but that my payment should clear in 5 to 7 business days. It is now XX/XX/XXXX and my account is still showing past due. I also received a notice on XXXX XXXX that there has been a change in my student loans and the balance has increase and there has been a note added which it says could be due to past due payments. This is unacceptable because I have made all my payments on time and it is their error. They have had months to fix this and they have not. It takes hours to get in contact with anyone and when you work during the day it is incredibly difficult to get in touch with out having to take time off. I should not have to call continuously for them to fix an error and they should not be taking money out of my checking account if they can not apply it correctly to my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a valid dispute to Experian due to 22 items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts. A closed or collection account can not also be past due, that's a violation of my rights. I asked for validation under FDCPA611. On XX/XX/2019 I received a response stating the items were updated or remain, along with a postcard explaining the FCRA and their role directly violating FDCPA section 808 ( 7 ) which states communicating with a consumer by postcard is a violation. 

On XX/XX/2019 I mailed a 2nd request to Experian asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer FDCPA section 809 ( b ) cease collection and communication of debt until verification is mailed. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days. 

Experian has continued to violate my rights. First by ignoring my 3 valid requests of validation from which Im entitled to by law within 30days. Second, they continue to violate my rights with each request Ive sent, Experian updated the accounts in question to a paid late status on 20+ accounts going back years which are reporting as closed. Mind you none of these accounts have been validated but Experian updates the late status on closed accounts which is a direct FDRCA violation, and it seems as if with every request I send the further they'll go back with the late status on all these closed accounts. Furthermore, they have decided to send communication to me via post card which once again is a FDCPA violation. 

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under the allotted 30days based on law FCRA611. 

Since Experian did not comply with any of my 3 requests within the time frame allowed they need to delete the disputed accounts. Please have them comply with the law and my rights by having these disputed accounts removed.
Product: Credit reporting or other personal consumer reports

Dear Equifax Data Breach Settlement Administrator, I hope this email finds you well. I am writing to express my grave concern and to seek immediate resolution regarding my claim ( Ticket # XXXX ), which is a direct result of the significant impact I have suffered from the Equifax data breach. 

To encapsulate the situation, my personal information was severely compromised in the breach, leading to identity theft and the unauthorized opening of accounts in my name across various financial institutions. This has been a distressing experience, with profound implications for my financial stability and peace of mind. 

On XX/XX/XXXX, I received an update on my claim, indicating that a deficiency notice had been sent to me on XX/XX/XXXX. I want to clarify that I have been diligent in my efforts to address any deficiencies as per the instructions provided. If there has been any oversight or misunderstanding in this process, it was not for lack of action on my part. 

Furthermore, on XX/XX/XXXX, I received another email suggesting that I did not respond to the Incomplete Claim Notice by the deadline. This is perplexing and disconcerting as I have conscientiously provided all the necessary documentation and information required to prove my class membership and to rectify any deficiencies in my claim. 

I am deeply troubled by the implication that I have not complied with the process when, in fact, I have adhered to every step as instructed. It seems as though there is a disconnect that is preventing the proper processing of my claim, and it is critically important that this matter is rectified promptly. 

I am reaching out to you in good faith with the expectation that Equifax will honor its commitment to assist those affected by the breach. As such, I am requesting a thorough review of my case and a clear explanation of any discrepancies that may have arisen during the processing of my claim. Additionally, if there is any further information or additional steps required from my side, please communicate this with detailed instructions so that I can comply without delay. 

Given the seriousness of this issue and its impact on my life, I would appreciate a prompt and direct response to this email. I am eager to resolve this matter and move forward with the necessary support from Equifax. 

Thank you for your immediate attention to this urgent matter. I look forward to your swift response. 

Warm regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Employer - XXXX  XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXXXXXX XXXXXXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  XXXX XXXX XXXX XXXXXXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card or prepaid card

My wife, XXXX, and I had a credit card account ( XXXX ) with Chase Bank. My wife canceled the credit card in writing in XXXX or XX/XX/XXXX. The XXXXXXXX cards in our possession were shredded and never used by either of us again. No balance was due. We had paid in full. After that date, J.P. Morgan Chase paid money to others ( XXXX and XXXX ) with an account that had been closed without our permission or authority. XXXX XXXX and XXXX XXXX were the only persons authorized to use the account. We did not use it. 

When we learned of the charges, we contacted Chase by e-mail, XXXX Mail ( XX/XX/XXXX ), and telephone. We explained the situation to Chase representatives. Since that time, Chase has billed us monthly, added service charges, and on XX/XX/XXXX, we received a demand from XXXX XXXX, XXXX, a collection agency.
Product: Money transfer, virtual currency, or money service

I noticed some transactions made on my Cash App account that I did not authorize. I contacted Cash App via email chat and the support in which they demanded document verification for Identification to verify my identity for my disputes of the transactions. Each and every time I uploaded ID photo and selfie photo along with selfie photo holding I.d . Each time in doing so would have a message saying couldnt verify identity. I contacted Cash App support they asked me to verify my identity by XX/XX/year> or my account will be closed as of XX/XX/year> Cash app closed my account before the due date. Saying I was out of luck and couldnt do anything. I have been cooperating, uploading documents requested of me in which they blatantly lied and closed my account, regardless without refunding the unauthorized charges on my account stating they can not help me in the chat was going to be ended. Leaving me with nothing and blaming me the consumer leading me to believe what they said and doing the complete opposite cheating me the consumer out of their funds or helping to resolve the issue of not being able to verify identity in which I cooperated with every request honestly and truthfully. I stood no chance resolving these issues and unauthorized charges with this company. Cash App blatantly stole from me without cause. I have copies of all documents, chat, logs, disputes, and emails all in in regards to this issue.
Product: Credit reporting or other personal consumer reports

I recently discovered that NAVY FCU has reported inaccurate information to the credit reporting agencies. This erroneous reporting has not only damaged my credibility but has also caused significant financial and emotional distress. 

According to the regulations outlined in the XXXX XXXX XXXX XXXX, furnishing inaccurate information to consumer reporting agencies is strictly prohibited. NAVY FCU has a legal responsibility to ensure that the information they provide is accurate. However, they have failed in this duty. 

NAVY FCU has reported a debt as part of my credit history, which is inaccurate. As per the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns and not as debts on consumer reports. Therefore, the reporting of this account as a debt is incorrect and goes against the established regulations. 

As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By XXXX XXXX IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 

Furthermore, I have not received a Form XXXX from NAVY FCU XXXX which is required if the canceled debt exceeds {$600.00}, as per the IRS guidelines XXXX This form is crucial for accurately reporting taxable income. 

I am deeply disturbed by this incident and the impact it has had on my financial well-being. I am taking steps to rectify the situation and ensure that my credit report reflects accurate information.
Product: Debt collection

This debt has been disputed -- with the attorney tring to collect the debt. I was soley an authorized user on this credit card. I am not personally liable for this credit card. This debt has not been verified with any original documentation from the original creditor showing that I am more than an authorizd user. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them in to making payments. I have attached my dispute letter.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request assistance in investigating this matter to ensure my rights are upheld.

Thank you
Product: Mortgage

They paid my back taxes then told me I had to pay back by XX/XX/XXXX then they said XX/XX/XXXX which I paid them back n they won't take the payment on top of them trying to charge me XXXX I blocked that pay ment cus I don't have n extra XXXX but I have paid what I was asked n they want put my my mortgage back to XXXX XXXX I'm supposed to paying they keep sending my payments back