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

I have contacted this company in regards to this collection account that's reporting on my credit report. The information does not belong to me at all. They have the wrong social and date of birth. I have advised this company to remove this account from my credit report, as it does not belong to me. 

I was never contacted by this company before this information was placed on my report. They never tried contacting me to dispute this wrong account. They have reported this information on my credit report as it has hurt my credit and caused harm to my score. They never provided me any information what so ever. They have totally violated my rights. I was advised from someone at their company that none of the personal information such as ( social and date of birth ) is correct. I am not sure how this account has ended up on my credit report. 

They violated my rights as a consumer because i never received any documents or communication before this account was added to my credit report.
Product: Credit card or prepaid card

While I was on a XXXX XXXX flight to visit my parents in XXXX, TX ( with my credit card on my person ), 3 fraudulent transactions were made at " XXXX  XXXX XXXX XXXX XXXX '' with my credit card in the amounts of XXXX, XXXX, and XXXX, respectively. This was on XX/XX/XXXX. I received a call later that night from my hotel room alerting me to the fraud, and when I checked my statement, sure enough, there were 3 purchases that I definitely did not make on my statement. I called to verify that yes, they were obviously fraudulent -- I was in XXXX, Texas. I thought that was the end of it. Later, after arriving home from XXXX, I got another call from USAA, my credit card issuer. They asked for more details around the transaction and told me that it was a chip transaction. I told them this seemed weird to me, as I thought chip transactions were not supposed to have this problem. The lady agreed and seemed very cold and suspicious. I said that I didn't know what happened but my credit card was with me the whole time and my family saw me not only vent about the fraud and how I would have to change my credit card number, but also saw me with my credit card on multiple occasions. After telling the investigator I was sure it was fraud, she took some time to do her investigation. On XX/XX/XXXX, the same investigator called me back explaining that it was impossible for there to be fraud with a chip card. She said the investigation ruled against me. 

USAA 's incorrect finding that the transactions were not fraudulent are unsatisfactory and unjustified for two reasons, which I discuss in more detail below : * Their belief that the transaction was not fraud is predicated on it being an EMV " chip-present '' transaction -- these are now prone to fraud just like magnetic swipe transactions * I provided ample evidence to USAA that I was not in XXXX XXXX at the time the fraud occurred A " chip-present '' or EMV transaction is not evidence that the authentic card was present. As USAA may already know, there is a growing epidemic of fraud via " shimmers. '' These devices can be inserted into a chip card terminal and spy on the communications between the bank and credit card. Hackers can use the data from their shimmers to create duplicate chip cards, as described in this article : XXXX XXXX XXXX Furthermore, I have uploaded the following documents to USAA, any of which should be enough to prove that the XXXX XXXX-based transaction was fraudulent on its own : * Signed statements from people in XXXX, TX indicating they saw me with my credit card on the day of the fraud * A MileagePlus statement from XXXX XXXX   indicating I boarded a flight around XXXX to XXXX, Texas on the day of the fraudulent transaction ( and I left for my local BART station much earlier, arriving at the airport around XXXX ) * A used XXXX XXXX  ticket with confirmation number for the above-mentioned flight
Product: Mortgage

This HELOC was included in a bankruptcy in 2004 and so does not report to the credit bureau 's and they are not allowed to chase me for it, despite this I pay it on time every month, at least for the last 2+ years. For the second time this year I received a SCRA notice, which is the first step in the foreclosure process. I called Bank of America and they said it was a mistake. Twice already this year, while I pay them monthly, they have sent this which always scares the heck out of me and causes me to spend hours trying to get them to talk to me and checking my own records. They need to cut the XXXX - sending that notice is akin to threatening foreclosure and for anyone who's ever faced foreclosure it is terrifying. So to receive these repeatedly when the mortgage is being paid monthly is unacceptable. They also took away my ability to view the status of the mortgage on my BofA online account - up until last year I could view the activity on it so it was easy to pay and see what was due when. Now they restrict online access to this one account, which is wrong, because it was included in my bankruptcy 15 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXNavy Federal Credit Union sold three of my credit accounts to XXXX XXXX, and all the accounts began to report XXXX balances. However during a time period beginning XX/XX/XXXX and continuing through XX/XX/XXXX the accounts began to show balances, but not all at once. Beginning on XX/XX/XXXX ( Appendix A ) there were no balances reported on the accounts. On XX/XX/XXXX, the first of the previously sold accounts reappears with a balance ( Appendix B ). On XX/XX/XXXX the second of the accounts reappears with a balance being reported ( Appendix C ). As of XX/XX/XXXX all of the sold accounts are now reporting balances ( Appendix D ). These balances are being reported to all three credit reporting agencies. Additionally, these accounts are reporting seemingly random last activity of payment dates. All activity on these accounts ceased at the end of XX/XX/XXXX. I have attached a credit report from XXXX  dated XX/XX/XXXX that shows the proper last activity and removal dates that range from XX/XX/XXXX through XX/XX/XXXX ( Appendix E ). I only provided the pages that were related to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT DOES NOT BELONG TO ME I WAS HAVING XXXX XXXX WHEN THIS WAS DONE
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau can not verify information with the original creditor, they are required to delete that information from the consumer 's credit report ; this principle is generally understood as part of Section 604 ( a ) of the FCRA, which mandates that credit bureaus must remove inaccurate, incomplete, or unverifiable information upon dispute from a consumer. I have spoke with the bankruptcy courts and they confirmed that they have not or will never share information with credit bureaus or third parties. XXXX, XXXX and TransUnion need to delete this information off my credit report. It has been more then 30 days since my last filed dispute. By Law FCRA Bankruptcy 15 us code 1681A2b By law 15 us code 1681A2b Student loans. I have disputed this information with all XXXX credit bureaus 3 times and they are refusing to follow the law of FCRA. I have no other choice but to file a civil lawsuit because of these bureaus violating my consumer rights. It has been more then 30 days for all companies to do whats right by consumers. They have failed to do this. I will be filing civil lawsuits against the companies. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. I disputed accounts on XX/XX/year>. They came back as verified as accurate on XX/XX/year>. I sent a request to investigate and provide me with the process they used and how they verified as soon as I got the results. Transunion sent out a letter and updated report with disputed items verified as accurate on XX/XX/year> as well as XX/XX/year>. No information on a reinvestigation and process used to verify anything. ( Letter attached. ) my second request to them demanding them to investigate was ignored. I never received confirmation of anything. Just the verified as accurate on my report. Transunion is failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer. I would also like compensation for violating my rights. Attached I have letters requesting a reinvestigation which Transunion has ignored XXXX times. Please see attached letters! It has been pass the XXXX days and also XXXX day extension for dispute resolution. Please remove this information IMMEDIATELY my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent XXXX  and transunion a second request about the inaccurate items that they are reporting incorrectly on my credit report on XXXX.1st letter was sent to the main office and the 2nd letter went to the corporate office.I haven't heard anything from them as of yet and i have attached copies below.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX has illegally restricted me from using their services. They say first my account triggered an alert, stating Ive supposedly violated their terms of service, but can not seem to prove it to me, stating for security purposes, they cant tell me. Now they say theyre using the regulations against me. They say basically they can do whatever they want, and corporate refuses to contact me back. Ive tried contacting their corporate office, but no avail. They absolutely refuse to contact me back. I would love a call from corporate to explain how they get to make their decisions, and why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute, resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Theses action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This collection agency, Kansas Counselors, continued to contact me about this account after I asked them to cease and desist all contact. 

I told them this violates my consumer rights under 15 USC 1692K. I have invoiced this collection agency 5 times for {$1000.00} each time since my request them to cease and desist. 

The collection agency indicates that this debt will renew beyond the original debt year of XXXX through XXXX. This violates my consumer rights in the state of Maryland which has a statue of limitations on debt collection of 3 years. 

I am requesting validation of this debt in writing.

I further ask for proof that Kansas Counselors are licensed and bonded to collect debt. 

Moreover, I want the original purchase order agreement from the original creditor. 

The original creditor has no authority to furnish any account information to a credit reporting agency without providing any and all disclosures required by law, and by doing so the creditor and collection agency Kansas Counselors has violated 12 CFR 1006.34D 15USC 1681S27A. 

This creditor has failed to send the requested validation of this debt in writing and this vilolates 12CFR 1006.34 B5 Further, this collection agency did not offer me a chance to dispute this debt and this violates 12 CFR 1006.C4I but placed this on my credit report anyway.
Product: Debt collection

For over a year I have been dealing with billing issues between XXXX XXXX and XXXX XXXX complete. There was a constant issue where XXXX would not pay on the savings card and I would get a bill from XXXX and have to call XXXX and back and forth and I just stopped taking the medication and suffer with my illness because I was afraid of billing issues would escalate. 
Well here we are XXXX refused to talk to me about why they are doing the charges. I filed a XXXX XXXX XXXX complaint and they would not respond to that. Instead they sold my debt to Credit Management Company who is now saying they're taking me to collections. 

I have the XXXX  complete assistance card that is supposed to pay everything. Everyone has been guaranteeing me the whole time that I never have any out-of-pocket cost for this. Now I'm being taken to a collection agency for almost {$4000.00} by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, a stranger took my phone and was able to gain access to my entire XXXX XXXX app and account. He made some fraudulent charges including applying for a {$3500.00} personal loan and a {$600.00} cash advance on my credit card. The perpetrator transferred the money from the fraudulent transactions to another XXXX XXXX account member. He did a member-to-member transfer. Within minutes I reported the fraudulent charges immediately. While making the report, one of the representatives told me that I should empty my checking and savings accounts to pay off the fraudulent cash advance. I complied. She notified me that I would get my money back while XXXX XXXX completed their investigation ; but this left me without any money for days/weeks! I asked that XXXX XXXX please contact the member who received the money and take the funds back since it had not cleared yet. I was told a full investigation would be conducted and no identifying information about the other member could be provided to me. I understood, and depended on XXXX XXXX to conduct a full investigation as they said they would do. However, instead, on XX/XX/2023, I called XXXX XXXX to get an update on the investigation, at which time I was informed the XXXX XXXX investigation was complete and XXXX XXXX determined there was no fraud! I am not sure how a complete investigation was conducted when the perpetrators information was readily available to XXXX XXXX. The fraudulent charges were not transferred to some external institution. XXXX XXXX has the name, address, social, and a ton of identifying information of the individual who received funds from a fraudulent transaction, but nothing has been done to recover the funds?? How is this a full investigation? How has XXXX XXXX conducted a full investigation without even speaking with the assigned police XXXX who is conducting the criminal investigation? XXXX XXXX with the XXXX XXXX Police Department informed me he would be going to the local XXXX XXXX branch to do some further investigating, meanwhile, XXXX XXXX had already made a decision no fraud occurred. How can a decision like that be made when there is a current active criminal investigation being conducted? How was a full investigation conducted if XXXX XXXX has not even had any communication with the criminal investigator? If XXXX XXXX did their due diligence, you would have known that there were several victims who experienced very similar crimes in the same vicinity around the same time as me. I have provided XXXX XXXX with the police report, I have complied with every request, I have completed every form in a timely manner.
Product: Debt collection

I have disputed this debt multiple times. This collection company refuses to communicate and even classified this as a medical debt when I was originally told this was a utility debt. 

AFTER MANY FAILED ATTEMPTS I REACHED OUT TO MASSACHUSETTS FOR HELP XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX informed this company is classifying an electric account ( from what Ive been told ) as a medical debt and refusing to speak to Massachusetts. I want this fraudulent account off of my credit report.
Product: Debt collection

AFNI sent me a letter they were trying to collect on a debt for XXXX XXXX. I then mailed in verification that the debt was considered paid in full by XXXX sending AFNI a copy of the letter sent to XXXX  along with the cashed check paying the debt in full. I then received another letter attempting to collect in XXXX XXXX XXXX. I then called the company and advised them that I already sent in info showing this debt was paid in full per an agreement with XXXX XXXX. I put in another dispute with the rep on this day. On XXXX/XXXX/XXXX I get notification that AFNI has added the account to collections. I have not received anything back from my dispute showing the balance was pd or the dispute I put in with the rep on XXXX XXXX, XXXX. AFNI is not practicing fair collecting or reporting on my behalf nor is XXXX XXXX because the account should be marked as paid in full as included on the payment I sent XXXX on the check itself and on the letter mailed it clearly stated upon XXXX cashing my check they in fact agreed the account would be considered paid in full and the account would be removed from all three credit bureaus.
Product: Debt collection

I have proof of some things I've screen shot of XXXX app also there has been a situation to where I've was told to change my XXXX  XXXX XXXX  to get approved at this program called beyond XXXX XXXX in Arizona lasy year XXXX  and had a XXXX XXXX XXXX when I clearly was thinking why i need that and it gave me a new name after being in program for 3 months or less i was discharged due to lack of help n wanting go back home ive also never had documents printed to where how much everthing was ... and what the new name was used for. 

Also I've did do taxes with my ex before the accept n moved Arizona be in the program. 

Someone keep using my information it's not cool.
Product: Credit reporting or other personal consumer reports

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. XXXX and XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of 1974! 

Account number XXXX Recent Balance, {$1500.00} Date opened XX/XX/XXXX XXXX XXXX XXXX is legally also not even licensed to collect debts within the state of Pennsylvania!
Product: Credit card

I have a Walmart credit card with a {$500.00} dollar limit. I have always paid my bill on time. In XX/XX/2016 they lowered my limit down to {$400.00} dollars without any notice. I thought it was fraud on my account because I did not receive a lettering in the mail, no email not even a phone call. So, I contacted Walmart that 's how i found out my limit was lowered. I ask if they can notify me if this happens again. They did it again in XX/XX/2016. lowered my limit without notice. I was in the store in line paying for my item and my card rejected. I felt so humiliated when my card declined, i had my children with me. I called Walmart and they lowered my limit again without any notice. I never gave Walmart auth. to check my credit report. My credit report has not changed since I had this card. So this is why i am confused as to why they keep lowering my limits without notice. This is also leaving a negative rating on my credit report. I have never paid late on this card. I an not understanding how this can be legal. I am trying to get a loan for starting a new business and this is negatively affecting my credit. Please help!
Product: Checking or savings account

My phone was stolen and whoever took it used my attached digital cards to pull out totals up to XXXX XXXX dollars in XXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX - {$980.00} XXXX XXXX  withdrawal - {$500.00} XXXX XXXX  withdrawal XX/XX/XXXX - {$400.00} XXXX XXXX withdrawal XXXX - {$400.00} XXXX XXXX withdrawal - {$400.00} XXXX XXXX  withdrawal - {$300.00} XXXX XXXX withdrawal - {$1000.00} XXXX XXXX withdrawal Pending charges- XXXX {$1000.00} XXXX XXXX withdrawals- {$500.00} XXXX XXXX  withdrawal - {$300.00} XXXX XXXX  withdrawal Bank account is now sitting with a negative balance because of all of these fraudulent transactions not made by me XXXX XXXX the account holder.
Product: Debt collection

XXXX and ic system ate reporting information on my credit file that does not belong to me.
Product: Student loan

From XX/XX/XXXX I had to take forbearance on my loans from medical school serviced by Navient and XXXX XXXX because every time I attempted to determine my income based repayment amount it was several thousands of dollars despite that I made a resident physician salary. The calculator was confusing and I even reached out to my XXXX school financial counselor for help who was similarly perplexed, noting that it should have given a much lower repayment amount, even XXXX dollars, based on my income. I thus accrued much more interest by needing to enter forbearance. I have since re consolidated my loans, but I read about the claims against Navient and wonder if this is why I was never able to enter IBR.