23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX by calling them at XXXX. I advised this company that they are reporting twice to my account that I was just made aware of when pulling my credit. I did some research on the two accounts and I informed her I dont even ember opening these accounts. she stated the account was back in XXXX and gave me information on the credit itself. she could not pull me up by my first and last name or my date of birth. she used my full social and advised me of the two accounts within my name, again I informed her I did not have knowledge she then responds and stated that I had to contact midland credit management. I advised her that I did not know it was sold to midland credit management at all. she then stated she gave em th date it was sold. I asked her why would they be reporting to my credit if it was sold to someone else. she stated by law they have to report it, I have NEVER received any information in regards to this acount being sold. Also there was never anything sent to me letting me know the account was sold. As I did more instigating and pulled my credit report. This account is on my credit as midland credit management as well. so they are BOTH reporting to my credit as to that is misleading and inaccurate especially since I was unaware and also the fact thats the original creditor and third party are collecting on the same debt.I DID NOT GIVE PERMISSION TO DISCLOSE MY INFORMATION TO ANY THIRD PARTY AND AGAIN I WAS NOT AWARE OF THIS DEBT AND MIDLAND NEVR SENT WRTTEN NOTIFCATION TO ME, I informed XXXX XXXX that they could not report especially if I was unaware and don't remember and for midland to report thats misleading because they are both reporting on the same debt. XXXX & XXXX account on my credit reports to the debt collection amount midland credit in amount of {$630.00} with original creditor XXXX thats the same two accounts in one being reported! I then call midland credit management they stated they could not speak on this account because of a cfpb report I currently have, I advised them I sent certified mail requesting information about this account information WAY before I did the cfpb report. by law they have 15 days to respond and I NEVER got a response back. he actually stated since it was a complaint with cfpb that they could not provide me with the information even though. requested this WAY before the cfpb. They actually did not have my address until I called back on XX/XX/XXXX requesting the information that was suppose to be sent back for verification they told me it was the XX/XX/XXXX. I also have proof recording of this information. Today they are stating they still cant disclose. They sold an unverified account to another third party without my consent disclosing information, they also did not provide me information I requested Never responded and also violating my fcra rights as well. i will be taking legal action due to this matter for incorrect reporting and violating m rights! I will attatch information I sent to midland and information I sent to XXXX XXXX.
Product: Checking or savings account

On XX/XX/2023 I was the victim of a scam. 
I believe that Chase Bank could have prevented this scam and my loss of {$10000.00}. 
The scam began on the computer with a bogus email from XXXX XXXX '. I was told I deserved a refund. Online they asked me to put in the refund amount of {$480.00}. Immediately it went to my Chase account login. At that moment, I shut my computer down. The scammers moved {$48000.00} from my savings account to my checking account. 
My first call was to Chase to tell them what happened and close my accounts. 
COMPLAINT : I never received a verification number or any notification from Chase that a large amount of money was being moved from my savings to my checking account. 

My next call was to XXXX XXXX to find out how to be sure my computer was not still in the hands of the cammers and did not have a virus. I looked up the number for XXXX XXXX on my XXXX. The number I called was the scammer. I have no idea how he got into my phone. I thought I was talking with XXXX XXXX. 
He told me to go to Chase and withdraw {$11000.00}. I have been a Chase customer for 50 years and I have never withdrawn more than {$500.00} at a time. 
MY COMPLAINT : If the teller had said to me : 'If someone you do not know is telling you to withdraw the money, it is a scam '. That one statement would have ended the scam. 
The scammer told me to put the money into a XXXX machine and I lost it all. 
The scammer was supremely convincing about why I had to take these actions. It was a mind-control scenario. 
My complaint is with Chase Bank. I am an older woman and clearly a target of this type of scam. Chase Bank could have prevented this by reminding me of scam artists who ask old people to withdraw large amounts of money. 
I registered this fraud with all the government agencies and reported it to my local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT NOR IS THIS IS A DISPUTE OF ACCURATE OR INACCURATE INFORMATION ON MY CONSUMER REPORT. I AS THE CONSUMER IS NOT DISPUTING WETHER OR NOT THE ACCOUNT BELONGS TO ME OR NOT BUT THE CONSENT THAT WAS NOT GIVEN DIRECTLY BY THE CONSUMER WHICH IS A DIRECT VIOLATION OF MY RIGHTS AS A CONSUMER. On XX/XX/2022, I the consumer notified Equifax through the CFPB portal of an account ( DIVERSIFIED ADJUSTMENTS ) that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. The account read ( DIVERSIFIED ADJUSTMENTS ). Equifax failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax failed to Investigate both times according to federal law ( FCRA ), Equifax haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Equifax and DIVERSIFIED ADJUSTMENTS are committing Fraud and Identity theft. I the consumer never got an update nor anything in writing from Equifax stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company ( DIVERSIFIED ADJUSTMENTS ) that Equifax furnished to my consumer report fraudulently... IM INFORCING MY RIGHTS AS A CONSUMER AND I demand the account ( DIVERSIFIED ADJUSTMENTS ) be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance. EQUAFAX WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE GOING FORWARD Respectfully,
Product: Credit card or prepaid card

LL Bean Mastercard -a Citi company I have had this card for over a decade, it switched from Visa to Mastercard and from XXXX XXXX to Citi . I pay my balance in full EVERY month with a little extra. Recently, the balance that they have told in me is the the " true balance '' and so for the last 2 months, I have been charged interest on unpaid balances. When I called, them, they were unable to explain why the balance I am told in the " paperless '' statements is not the true balance and that I am being charged interest because I don't pay the true balance. I would assume that the electronic balance should be the same as it is on a paper statement and to be true and accurate. If I pay it in full, then there should not be any interest. I do not feel this has been the case and I do feel that this is probably happening to other people.
Product: Credit reporting or other personal consumer reports

this is my secund time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX  XXXX # XXXX .... 

in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the reporting of my as a charge-off or write-off on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ), if you have deemed this account as uncollectible and have written it off, you were required to issue me a Form 1099-C for cancellation of debt as mandated under 26 U.S. Code 6055.

If you have already taken a tax deduction or credit with the IRS for this charged-off amount, then you were legally required to provide me with a Form 1099-C. Failure to do so constitutes a violation of federal law. If no 1099-C was issued, then the account should not be reported as a charge-off or written-off on my credit file, as this would be a misrepresentation of the account status and a violation of the FCRA.

Additionally, under 15 U.S. Code 1681s-2 ( a ) ( 1 ), furnishers of credit information are required to report accurate and complete information. Your failure to issue the required tax form while reporting this debt as a charge-off constitutes inaccurate and incomplete reporting. If this is not corrected, I will be entitled to legal remedies, including but not limited to statutory damages of up to {$1000.00} per incorrect reporting under 15 U.S. Code 1681n.
Product: Debt collection

Wachovia Bank, which I 've never held an account at called me telling me that I owed them money and fees for a negative balance. They were rude, cursing, and threatening me with a subpoena to appear in court. Somehow, they contacted my step mother, step sister, grandmother, and myself regarding this false information. The phone number they called from is XXXX, but they left a return phone call number on a voicemail of XXXX. This is harassment and it needs to stop.
Product: Credit reporting

On my credit report I notice a delinquency, for a charge of {$190.00}, that had been sent to collections. I had never received that service ( XXXX ) or received a bill from ( XXXX ). XXXX has acknowledged the mistake and has claimed to be fixing the issue. I did not find out about this charge until the credit report.
Product: Student loan

I just pulled my consumer reports I noticed you are furnishing a Navient student loan account on my consumer that is inaccurate. 
I do not have any contract nor does Navient have any permission to report any information concerning my student loans. 
That information is private information and is protected by the XXXX XXXX Rights and Privacy Act of 1974. 
This account needs to be deleted from my consumers as this is a clear violation of my rights to privacy. 15 USC 1681a ( 4 ). 
The amount and detail of the character being reported by Navient is an accurate. Navient is not a trust worthy source of information as they have been banned by the CFPB and FTC.
Product: Checking or savings account

Since XX/XX/XXXX of this year I have attempted to file a claim with my bank for fraudulent activity six times. These claims have all been denied. My bank furthermore directly contacted me to tell me that despite giving them more information each time each claim was filed that if I continue to pursue this claim that it was going to be denied immediately each time. This fraudulent activity took place in a state that I have never been to and also have never lived in. Despite giving this information to my bank the ruling in the claims were against me due to inconsistencies, this is the only reason that the bank gave me for denying my claim repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$2600.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$10000.00} Date Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XX/XX/XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a doctor XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX Hospital of XXXX for a visit on XX/XX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XX/XX/XXXX ) discovered that the same charge appeared back on the Experian and XXXX credit reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XX/XX/XXXX. The only available option to me was for Experian and XXXX to start another 30-day dispute process. This is unacceptable that the credit agency is unable to identify this charge as the same JUST BECAUSE IT HAS A NEW NUMBER. This should be suspicious and this should be removed immediately while they investigate and only added later if they determined this to be true. This is DIFFERENT from normal disputes because it has the characteristics that show it is the same charge. I was able to determine this by making a quick call to the collection agency. Experian and XXXX should be able to do the same service for a consumer - they agreed with me on the phone that it looked fraudulent and said it was the new number that was the problem. By not addressing this quickly, they allow this scam to occur and this likely has a XXXX-XXXX point decrease on my credit score. I am attempting to close a mortgage in 45 days. Experian and XXXX does not have proper fraud detection measures in place to protect consumers.
Product: Debt collection

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to National Credit System. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with National Credit System. This was an Apartment Lease from XXXX XXXX . and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by National Credit System. In this case the debt should be removed from my credit report and out of the office of National Credit System because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas
Product: Checking or savings account

On XX/XX/year> a branch banker at XXXX XXXX branch lady named XXXX was assisting me on my request for a vehicle loan. She told me that I needed to be a member and have an account to submit a loan application. I said that is fine what is the prerequisites? She then told me I can get a full service checking that comes with a saving {$25.00} for checking {$1.00} for savings. I agreed to it so we can move forward to submit a loan application. She asked me questions about my occupation but did not have significant knowledge as to if it matter how long I was at my current job. She then proceeded to still submit the loan and the underwriter denied my loan because I was not in my current position for at minimum of 13 months. I decided to act on this matter and call the XXXX number to verify with a customer representative the prerequisites with the bank of getting a vehicle loan. I was told that I only needed a savings accounts ONLY to submit a loan application. I was deceived and feel very upset with the process and misrepresentation of not being given full disclosure. I did not even receive any banking pamphlets or information on the accounts I created at the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with XXXX, XXXX, and Experian about two of my accounts. The first one is passed statue of limitations here in Florida and I have even tried to work out something with them. I have yet to hear or see it removed after two months. XX/XX/XXXX is when the first dispute was finished. 

The Creditor 's have not responded either. 
Here is the first account. 


XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Revolving account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXX Usage 96 % Balance {$670.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX   Monthly Payment - Past Due Amount {$670.00} Highest Balance {$600.00} Terms - Responsibility Individual account Your Statement - Comments Profit and loss writeoff Contact Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Payment History On Time120120+ Days Late3030 Days LateFPFailed to Pay6060 Days LateNNegative9090 Days Late The second is my XXXX Account which I have an active one and for some reason they said I got a Card in XXXX that is negative. This is 100 % % % % Not true. I did have one over 10 years ago but when I called and got my new XXXX card they added this from XXXX which I never once opened an account! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my report that I did NOT authorize. I tried contacting the creditors by mail & havent received a response to this urgent concern. Also, I contacted TRANSUNION directly and they REFUSED to help. 
These inquiries need to be deleted from my Transunion report because I did NOT authorize them. 
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

{$770.00} Open balance XXXX XXXX XXXX  Original XXXX  XXXX day o wok up and this was on my credit i tryed calling them and they refuse to remove it i told them that i was a victim of identity theft and they still have not yet to remove this ALLY FINANCIAL Last reported XX/XX/year> {$41000.00} Reported balance also this one I have sent in the copy of my police report, and they have closed it and also marked it as a charge off they refuse to remove it and i have provided them my police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on consumer credit reports that theres unauthorized inquiries on my, Experian
Product: Credit card

I filed an initial complaint due to Synchrony Bank not acknowledging my dispute. Since then I was promised a PERMANENT credit, I filed a first dispute with synchrony, which you have information on about the first dispute/complaint I filed. I was sent a check for only {$76.00} now they are claiming they sent a check for {$77.00} which is a blatant lie. I have copies of all documentation. This bank can not be serious.. it is very clear to me, that to your agency they pretend to abide by their promises, but I have PROOF they did not uphold their end of the agreement. This only further proves how corrupt and dishonest this bank is. Furthermore, upon checking my account, the re-billed me for {$76.00} after claiming they resolved the dispute and ruled in my favor I was promised the refund check and PERMANENT credit from an account manager supervisor named XXXX XXXX last week approximately. I am attaching all of the documentation in this second complaint and have now also decided to further speak with my counsel on our next move under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize the following inquiry XXXX XXXX Inquiry from XXXX XXXX, 2018. Please investigate and ensure there is no fraudulent activity.
Product: Debt collection

XXXX is apparently trying to bill something that was NOT submitted to XXXX. 
There is NO documentation, i NEVER received a bill from XXXX, nor an EOMB from XXXX either accepting or denying the claim, and did NOT get a 30 day notice for the bill from XXXX, NOR did i get a 30 day notice from the debt collector regarding the debt. NOTHING.