23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, On XX/XX/2022, I received a XXXX XXXX XXXX XXXX XXXX  notice in the amount of {$24.00}. The agency account listed is XXXX for a debt with the Superior Court of XXXX XXXX ; where Alliance One is listed as the collection agency. I have never been notified by Alliance One about a debt being collected by them. 
I called Alliance One to ask about the XXXX XXXX XXXX letter that I received 3 times on XX/XX/2022. The agent XXXX hung up the phone two of those times- before giving me any information about this collection account. 
I then contacted the Superior Court of XXXX XXXX to find out if this was accurate. The information Alliance One used to file an intercept request against me was not accurate. This collection agency ( Alliance One ) remitted a XXXX XXXX XXXX to the XXXX XXXX XXXX  in my name for {$24.00}. 
I made a payment arrangement directly with the Superior Court of XXXX XXXX for this Traffic Citation this issue should not be in collections.
Product: Debt collection

During my monthly review of my credit, I noticed that a medical collection account was added to my credit report from original creditor XXXX XXXX XXXX XXXX. I did make payment toward this account every time I received a billing statement from the hospital, and I attempted 6 times to setup reoccurring payments to no avail. I never received late payment notices, or notice that the account was being placed in collections. This has negatively impacted my credit which I have worked extremely hard to maintain above 700. It is completely wrong that Medical Data Systems Inc,,  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone : XXXX can place a collection account on my Credit Report with no notice.
Product: Credit reporting or other personal consumer reports

NOTICE OF MULTIPLE FEDERAL LAW VIOLATIONS AND DEMAND FOR IMMEDIATE REMOVAL Re : Unauthorized Hard Inquiries dated XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' UNAUTHORIZED INQUIRIES TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) VIOLATION : " A consumer reporting agency may furnish a consumer report ONLY if : '' - Written instructions from consumer exist - Permissible purpose is certified NO SUCH DOCUMENTATION EXISTS B. 15 USC 1681b ( f ) VIOLATION : " A person shall not use or obtain a consumer report for any purpose unless : - The consumer report is obtained for a purpose for which it is authorized - The purpose is certified '' NO CERTIFICATION EXISTS C. 15 USC 1681q CRIMINAL LIABILITY : " Any person who knowingly and willfully obtains information on a consumer under false pretenses shall be fined, imprisoned, or both '' 2. PRIVACY ACT VIOLATIONS : 5 USC 552a ( b ) states : " No agency shall disclose any record ... without prior written consent '' - No consent provided - No authorization exists - No permissible purpose documented XXXX. ELECTRONIC FUND TRANSFER ACT : 15 USC 1693e : " A person may not condition extension of credit on consumer 's repayment by electronic means '' - Multiple electronic credit pulls without authorization - No electronic consent obtained - No written agreement exists BURDEN OF PROOF : Under FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : " 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 '' The burden lies with the furnishers to prove : 1. Written authorization for each inquiry 2. Time-stamped applications 3. Signed consent forms 4. Permissible purpose certification NO SUCH PROOF EXISTS MANDATORY REMOVAL REQUIREMENTS : Under FCRA 15 USC 1681i ( a ) ( 5 ) : " If information is found to be inaccurate, incomplete, or can not be verified ... the information shall be promptly deleted '' LEGAL PRECEDENT : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : - Requires immediate removal of unverified information - Places burden of proof on credit reporting agencies- Establishes strict liability for violations
Product: Payday loan, title loan, or personal loan

Applied and provided three offers based on information I submitted and what they got from my credit report. Was told all they needed was to validate the income I proved them of my net XXXX a month income. I uploaded all documents and they reviewed them. They had an issue according to one of their reps in calculating my income since they were not giving me all of what was on the paystub. They had the wrong start date in there. Asked to speak to supervisor but non available and never called me back. Had another branch review the case they seen where they issue was and corrected that but then said that I was not approved for the original amounts or offers but less even though my income was corrected. They tried to switch up the offer and give me a worse term and amount. They could not tell me why other than someone messed up and quoted me the offer and they should not have. There is no transparency and they lie about what they can offer you then switch it at the last minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint that TransUnion is neglecting to close a disputed account through XXXX They have now LIED about the results being published as you will see here this is copy pasted from XXXX I now intend to take this issue before a Judge if this issue is not corrected - I have called TransUnion directly and they refused to deal with this issue in a professional way - Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion Dispute XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays XXXX XXXX Reported on XX/XX/XXXX {$150.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reason Accuracy : The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$5200.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX Reported on XX/XX/XXXX {$890.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$510.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 

As you see this dispute is still pending according to XXXX and that means TransUnion has LIED or are simplying trying to deny my rights to dispute inaccurate information on my report - Please TransUnion do the right and LEAGAL thing here and either close the disputes or delete the information -
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE NOT MY INQUIRYS. I HAVE ASKED SEVERAL TIMES TO REMOVE THESE FRAUDLENT INQIRYS. 
Equifax is reporting the wrong information and when asked that they do a investigation they send me a letter saying " INQUIRYS ARE ACTUAL FACT '' That is not considered a investigation. Please do the proper investigation and send me copys of my applications foor credit or service bearing my actual signature. If these accounts were open online or over the phone then please remove them ASAP. 

XXXX XXXX XXXX Inquiry from XX/XX/2017 National Credit Card Cos. 
-- -- -- XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/2017 Telephone Companies -- -- -- XXXX XXXX XXXX Inquiry from XX/XX/2017 National Credit Card Cos. 
-- -- -- XXXX XXXX/XXXX Inquiry from XX/XX/2017 2017
Product: Debt collection

XXXX remove collection from my credit report but XXXX AND XXXX still showing that ARS collection is still in the collections, and theres people applying for credit cards in my name plus using my phone number.
Product: Debt collection

Transworld Systems ( TSI ) sent me a letter dated XX/XX/XXXX informing me that I owed the creditor XXXX XXXX XXXX XXXX account XXXX for former creditor XXXX  the amount of {$76.00} dated XX/XX/XXXX. I contacted XXXX who confirmed this debt. I had no knowledge of this debt when I closed my account with XXXX. I then paid TSI the {$76.00} online using my XXXX XXXX debit card because TSI refused to be paid by credit card. The confirmation number is XXXX. 

TSI has NOT CONFIRMED that this debt is paid as of this time. I called them last week and told me that they don't know when this will be cleared or whether it would hurt my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a certified letter requesting validation of inquiries, on my credit file. I was sent a generic letter stating requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as, proof of who was contacted and what information was obtained to verify the accounts was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have sent over all proper documentation to equifax and they have not done the right procedure according to the law. In response to this they have constantly lied into that they did a proper investigation. They have reported a wrong address that is not mine and they have serveral information on my report that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : [ XXXX XXXX XXXX XXXX, SC XXXX ]
Product: Money transfer, virtual currency, or money service

I need to escalate this issue to you because its been a month since I made an international wire transfer for {$5000.00} US Dollars through Citibank online system and the money was not sent nor received but it was deducted from my account. 

I did the transfer because I just had a XXXX XXXX 5 months ago and need to send money to my daughters. It was from my checking account that I have for more than 25 years to another account under my name I have in XXXX XXXX  in XXXX. 

I know is an internal problem in Citi because of their NEW PRODUCT to send in local currency. I made the same wire transfer to the same account and the same bank on XXXX for {$3000.00} there was no problem at that time. 

Then on XXXX, I did the wire subject of this complain for {$5000.00} US Dollars. Citibank offered a NEW product with no commission online if it was sent in pesos, I agreed because I wanted to save money. It was made exactly to the same bank and the same account of the previous transfer I would never imagine the nightmare and that it was going to be even more costly because I can not use my {$5000.00} here or there for more than a month!!. 

After several calls to the international wire transfer customer service XXXX ( waiting more than an hour on each call ), they stated that my bank in XXXX did not accept the transfer. I spoke with the CEO of that bank in XXXX and they said they can not receive it because Citi sent it to another account in XXXX, a subsidiary of Citi in XXXX. 

After trying to solve the issue over different instances with no success they offered me the refund. I accepted the refund and they promised to do whitin a week. Its been now ONE MONTH and I do not have access to my money. 

I request the immediate refund of {$5000.00} ( XXXX XXXX DOLLARS XXXX  ) which is the money they subtracted from my account. I should not be penalized for their internal problems in accounts and promises they can not fulfill. 

I need the entire amount and no lees than {$5000.00} dollars because any costs for unsuccessful exchange rates are not my fault but their incapacity to fulfill the products their offer. 

As you can probably imagine the trouble that is to live over a XXXX XXXX I urgently need my money back. After 25 years of being a customer now I seriously question the ability of Citi to solve customer issues.
Product: Debt collection

Portfolio is reporting inaccurate information I never signed any agreement with them and they keep on renewing open dates on account without my knowledge
Product: Credit reporting or other personal consumer reports

AMEX solicited Business Platinum Credit via several mailings along with terms & condition inserts, which I reviewed scrupulously, before providing my electronic signature collateral to verify specific criteria used for credit extension, per the FCRA.

Shortly after several hard inquiries by AMEX were recorded on my credit record, I received a letter from AMEX, dated XX/XX/year>, requesting my personal tax transcripts, with attached disclosures citing the Federal Equal Credit Opportunity Act, Consumer Credit Protection Act & the Bureau of Consumer Financial Protection. Within these Acts, application prerequisites shall be disclosed BEFORE selection of the consumer for the offer of credit. Section 10 ( b ) ( codified in 15 USC 78j ) is the primary anti-fraud statutory provision. The SEC primarily enforced this anti-fraud provision under Rule 10b-5, which prohibits the use of any " device, scheme, or artifice to defraud. '' Rule 10b-5 also imposes liability for any misstatement or omission of a material fact, or one investors would think was important to their decision. AMEX did not include any information in account opening disclosures pertaining to personal tax transcripts.

I provided Valuable Consideration in exchange for credit that was deceptively captured via my social security number, several times, significantly impairing my XXXX credit score.

The Securities Exchange Act was designed to force corporations to disclose information investors would find pertinent to making investment decisions. Requesting further personal information, outside of a social security number, such as personal tax transcripts AFTER demolishing my credit, is unquestionably unacceptable.

If you can not see the code you developed to make my account, in the photos attached, here it is for your convenience : XXXX. 

Furthermore, per the Fair Reporting Credit Act, as a federally protected consumer, I opt out of any & all authorization I the consumer may have provided you, written & unwritten, verbal & nonverbal, per 15 USC 6802, effective immediately & indefinitely.

I've also attached my revocation of POA. Please provide me with AMEX process for retitling my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

In XXXX, Discover notified me that they were going to replace my card due to a possible data breach that was not due to their system. I asked what vendor had the breach so that I could consider if any other action was needed on other credit cards or personal information. The response I got was that they could not release the vendors name. I did not feel that the explanation was adequate so I recently asked for clarification on the reason I could not get that information. I was again told that they could not release the information, but was not provided with the specific reason such as limited by law, company policy, or agreement with vendor. I want to know the reason for the limitation to understand if it is a legitimate reason or just words so I stop asking.
Product: Debt collection

I am a victim of identity them and this is one of the accounts included in my fraud report. I have mailed a copy this report to the original credit and the collection agency NCB Management Services as well as the Credit Reporting agencies. They continue to report this item on my credit report further damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America never informed me of my annual payment due date. I received no email, no regular mail and did not have a balance on the Bank of America Website account to even pay. I was given no chance to pay it nor did I even receive a late notice with at fee. They simply sent it straight to the credit bureaus. In doing so, my score dropped over 90 points. My credit was an excellent XXXX and now has dropped to merely " good '' rating of XXXX. All for a XXXX dollar payment they never told me about ( which I have since payed. ) I have never missed a payment of any kind with them.
Product: Debt collection

I originally received a phone call from Harris and Harris ( debt collection company ) on my home phone. When I called back they said it was for my son who has not lived at our address, or in the same state, for 10 years. I asked him to call them which he did. He never got an answer. He said he has no debt, has never received a letter of collection. Now I am getting the same calls on my cell phone ( XXXX ). I always have the same recording which says they are debt collectors and to call them. I called them today. You do n't get a live person to speak with, just a voicemail you can leave. I left the message that I would be filing a complaint against them today. I also do not have any debt and have never received any past due notices for anything. This appears to me to be a scam to collect money from unsuspecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX and XXXX of XXXX I was XXXX of hundreds of millions of Americans whose data was leaked by Equifax. This is an unacceptable breach of trust from a company that I did n't voluntarily engage in business with.
Product: Credit reporting or other personal consumer reports

My credit score has dropped by XXXX points because they miscalculated my XXXX balance as having {$260.00} but it was {$0.00}. This happened on XX/XX/XXXX and XXXX ( Equifax and XXXX ), days after I paid it all off. XXXX posts only on the XXXX of each month. I have paid it all off on XX/XX/XXXX. My credit score has dropped due to a miscalculation and Equifax has had a huge history of miscalculating peoples credit scores due to their fault program. They have constantly violated the Fair Credit Reporting Act and have violated my rights. At this point, it is a federal offence as my credit activity is definitely not reflecting my credit score based on Equifaxs reporting. The same goes for XXXX right now. My credit score drop needs to be reversed, otherwise they are committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Card Services Escalation Complaint CARD : XXXX XXXX XXXX XXXX PHONE : XXXX FAX : XXXX I have XXXX XXXX, XXXX XXXX be removed as an Authorized User on on this credit card account for the past 6 billing cycles. Yet for some reason they are failing in several areas on this request. I have spoken to Supervisors on 3 separate occasions regarding this matter yet it continues to go unresolved. My issues are glaring but unresolved and this is causing me a significant amount of stress waiting on this to be fixed.

1. This account is still reporting on his credit report as an Active Authorized User. Although he is not. It should be reporting as TERMINATED $ XXXX BALANCE. 

2. The actual balance is only accurately reflecting on Experian. While XXXX is showing the balance from XXXX XXXX ( {$2700.00} ) .Even this balance is incorrect as you can see from the screenshot that the balance as of $ XX/XX/2022 is only {$240.00}. 

3. Last reported date on XXXX and XXXX is XX/XX/2022. So neither XXXX or XXXX 2022 were updated. 

4. Date last Active again is reporting for XXXX and XXXX as XX/XX/2022.
Product: Credit card or prepaid card

My wallet was stolen on XX/XX/22. On XX/XX/22 I filed and police report and notified Marcus By Goldman Sachs was my credit card stolen and the card needed to be locked. The card was never locked and Marcus by Goldman Sachs claims the conversation never took place. I have call logs showing that conversation did take place and they ignored/neglected to lock my card. Fraudulent purchases showed up in that card from XXXX and I have filed disputes and attempted to reassert the denied claims. Marcus Goldman is falsifying information. They were made aware that my card went missing, they failed to lock the card and now they are holding me responsible for fraudulent purchases.