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

On XX/XX/2019, I sent a letter to ARS after they bought one of my medical collections, asking for validation of the debt they say I owe. According to the FCRA, which they must follow as collectors, they were to provide me with a list of information that was included in my initial letter. Instead, of responding correctly, they BROKE THE LAW and only sent me the creditor, account number, and the amount I supposedly owe. I am outraged that this company is not being upheld to the laws written out in the FCRA. I have attached my original letter and their response below.
Product: Credit card

In light of the recent news reports of accounts being fraudulently opened without customer authorization, i.e. XXXX XXXX, Chase Bank, XXXX XXXX XXXX, etc., we feel obligated to lodge the following complaint : 1. Opened an AARP Visa Rewards Card through Chase Bank XX/XX/2016 2. Paid balances in full in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 3. In XX/XX/XXXX we received an Amazon Visa Rewards Card through Chase Bank, for which we NEVER applied ... we feel it was sent due to our opening the AARP card and was generated from Chase Bank ... this card also had our last name misspelled 4. Payment for AARP card for XX/XX/2016 crossed in the mail and considered late 4. Due to the above action, our card was declined at grocery store on XX/XX/2016 5. On XX/XX/XXXX or XX/XX/2016, we received a letter from XXXX XXXX based in XXXX, Florida concerning an Amazon Store Card instructing us to contact them regarding additional information about the recent credit application ( again, application NEVER initiated by us and our last name was misspelled the same way as the Amazon Visa Rewards Card from Chase Bank ). We contacted them and learned that the account had been closed. 
6. On XX/XX/2016, we contacted Chase Bank regarding our Amazon Rewards Card and learned they had already billed us for a membership in Amazon Prime, again something we had NEVER authorized. Chase Bank worked with us and set up a Fraud Alert on this card. We also closed out this card. 
7. On XX/XX/2016, we contacted Chase Bank regarding our AARP card and had them set up our account with a Fraud Alert. 
8. We assumed that everything had been cleared up and our accounts were in good standing. 
9. On XX/XX/2016, we received notice from a company deducting automatic payments from the AARP account that our card was declined. 
10. On XX/XX/2016, we contacted Chase concerning the AARP card and the declined payment and learned that the mistake was on their part and was rectified. 
11. We have chosen to close the AARP account through Chase Bank as soon as the last payment has been credited to our account.
Product: Debt collection

Bank of America has a payment system called BillPay. I made a payment on time outside of that system and when I opened the application, BillPay indicated that I had a late payment. I paid again because I was informed I was late and did not want to be late. However, after I made the payment, I believed that my payment was already made and timely and that I did not owe the amount. I called Bank of America who confirmed that I was not late. However, they refused to correct the error and BillPay continued to show that I made a late payment, which was false. Bank of America is now claiming that such false statements about late payments is entirely acceptable because the automated process was simply delayed. Unacceptable.
Product: Debt collection

Account XXXX To Whom It May Concern I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relation between you, TAB/SUNBIT and me, which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for " verification '' or " validation '' This is a request for Proof of Contract to substantiate your claim. Therefore, provide me a Certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Your failure to respond and provide strict proof of contract will constitute your tactic agreement that TAB/SUNBIT is not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the federal Trade Commission. 3. File a police report against you for harassment and invasion of privacy. 4. File a lawsuit against you in my county for harassment, fraud, and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In the event you transfer this account to an attorney without providing proof of contract, he or she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$510.00}
Product: Credit reporting or other personal consumer reports

Ive been dealing with INCORRECTLY REPORTING student loan accounts for about a year or so ( when I first found out ) and upon submitting disputes with the reporting agencies they all claim they have done their investigation and everything checks out. But when I called the XXXX XXXX XXXX XXXX MYSELF, attempting to fix the issues with the XXXX or creditor, they surely ADMITTED that the INFORMATION BEING REPORTED WAS INCORRECT. 

Reporting incorrect information is a violation of the XXXX XXXX. On top of the fact that I was never given any disclosures about the reporting, whether I wanted info reported, and how to go about not having my non-public info reported. Another violation. 

The XXXX XXXX also states any inaccurate accounts must be corrected or deleted, and to this day they have done XXXX of the XXXX options. This is willful negligence and it has set me back YEARS, because their report says I OPENED a student loan in XXXX, AND I DID NOT. I WAS NOT ENROLLED AT ANY SCHOOL to even need a loan in XXXX, nor did I sign for any loans in XXXX. The employees at these agencies are negligent and the agencies need to be audited. These people should not be working in these offices playing with peoples lives. They should know the law and adhere to it, as they generate reports that alter the trajectory of ones life. I will be seeking litigation if they refuse to do an actual investigation. Ive asked the bureaus and the DOE themselves to produce any documents or contracts of said XXXX student loan, with the amounts stated and to this day they havent sent XXXX. Anytime I dispute they simply send back a letter saying the accounts were verified. How were the accounts verified without these documents??
Product: Student loan

From the beginning of my repayment period to XX/XX/XXXX, I was in an income-based repayment plan of {$200.00} monthly. 

I took XXXX XXXX classes, which put me in deferment from XX/XX/XXXX through XX/XX/XXXX. 

My Income Based Repayment expired, and I could handle the full payment price of {$380.00} which I did from XX/XX/XXXX through XX/XX/XXXX. 

I decided to re-enroll in Income Based Repayment in XX/XX/XXXX, and submitted a payment of {$160.00} which posted in XX/XX/XXXX. I was told that my new Income Based Repayment of {$160.00} would begin in XX/XX/XXXX. 

In XX/XX/XXXX, an amount of {$410.00} was erroneously auto-debited from my account. This was more than both my IDR or my full repayment price. When I called, I was told that there was an error with how the auto-debit system pulled from my account, and that since I agreed to the " Terms of Use '' on the auto-debit system, I was not entitled to a refund. I was also told I submitted my IDR paperwork late to put my IDR in place for this cycle, but this was untrue as I submitted the paperwork by XX/XX/XXXX which gave ample time for the 30 day processing period cited to me when I signed up for the IBR plan. 

My IDR began posting normally in XX/XX/XXXX, but this was significantly less than the IDR price quoted to me when I set my plan up in XX/XX/XXXX. The amount quoted was {$160.00}, which is why I authorized this amount to be pulled from my account in XX/XX/XXXX. The account has pulled {$120.00} in XX/XX/XXXX and is scheduled to do so in XX/XX/XXXX. 

There has been a flagrant and systematic pattern of misinformation from Nelnet. Since the beginning of my repayment period, I have found myself making phone calls almost monthly because of errors, incorrect auto-debit pulls, or blatant misinformation. 

Thank you for your time and I look forward to hearing back from you.
Product: Debt collection

FINANCIAL DATA SYSTEMS is attempting to collect 2 fraudulent debts that do not belong to me and were opened as a result of identity theft. I have contacted this company and made them aware that this was fraud, however they continue to attempt to collect these fraudulent accounts. The partial fraudulent account numbers listed on my credit file are XXXX and XXXX. I have been a victim of identity theft and have provided a copy of my police report to XXXX XXXX and they continue to report these fraudulent accounts. These are not my accounts and I live in XXXX GA and have never lived in South Carolina. These ACCOUNTS ARE FRAUDULENT.
Product: Credit reporting or other personal consumer reports

I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc. 
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. Accounts payment history are reflected as late payment on my credit report in violation of Federal Law.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPD lawsuit highlighting Significant issues with the platform. Despite using Zelle numerous times and reporting Discrepancies, my Financial institution and zelle failed to investigate my claims Adequately. They informed me that recovering lost funds was Impossible and that tracking These transactions was unfeasible. The CFPB findings indicate that zelle has not only Neglected to protect consumers but was also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. This lack of accountability and Is transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

My Bank of America bank card was lost on the day I left for vacation. I traveled on the XXXX at XXXX XXXX. I was in XXXX XXXX. My card was used in Texas and my bank is refusing to refund. The fraudulent charges back to me and they charging me {$85.00} a day for overdrafting. I have open to replace reports one in the city of XXXX and one in the city of XXXX. Ive gone around to stores and ask for videos the bank Ive never asked me for anything proof or nothing that I was not here.
Product: Checking or savings account

I have 2 business accounts with Union Bank, XXXX CA branch. On XXXX XXXX I was about to pay some bills when I decided to check the balances on my accounts. I logged in only to find that on XX/XX/XXXX both of my accounts were closed. I called the branch but was only given a telephone number to call. They could NOT tell me why or who closed my bank accounts. I called the number I was given ( XXXX ) and a voicemail recording asked for my name, account number and phone number and they would get back to me within 2 business days after their investigation. It's XX/XX/XXXX and I have never been contacted by anyone at Union Bank. Not anyone from the branch, not anyone from that investigation unit - nobody. I have called the branch several times, I have called and left messages for the investigation unit - several times just today - NOTHING! Can they seize my funds like that and never contact me? It's now over a week since they closed my accounts and I never heard a thing from them. All of the contact has been initiated by me. When does the bank have a responsibility to contact me about my funds ( my money )?
Product: Credit card or prepaid card

Purchase date XX/XX/2022 Order # XXXX Total- {$640.00} Purchase date XX/XX/2022 order # XXXX Total- {$760.00} I realized the charges on XX/XX/2022 & reported them immediately ( same day ) I also contacted my local Police department XXXX police department and filed a report. 

XX/XX/XXXX i received notice that they completed their investigation and that it " does not substantiate the claim as unauthorized use '' XX/XX/XXXX I filed an appeal. 

XX/XX/XXXX I received notice that they were permanently billing my account for the totals of {$300.00} for the billing date of XX/XX/2022 and XXXX for the billing date of XX/XX/2022 and that they considered the investigation complete. 

Most of these items were shipped to an address in XXXX XXXX. & none of the charges including some donations XXXX XXXX XXXX 's were made or authorized by Myself.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX continue to report XXXX collection accounts that they claim to have verified but provided no evidence to support their claims. Under Fair Credit Reporting Act the credit bureaus are required to provide this information to me to verify myself. Who exactly validated this information? Who did they speak with I would like this information to follow up myself.
Product: Debt collection

If i could figure out who the company is I would be happy to let every one know equifax let them report XXXX unknown name the address goes to an attorney 's office and they have never heard of me and the number listed goes to a prepaid cell number see attachments after doping dome research I came up with this company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX see attachment however when you look up the company you come up with this contact info XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX by the way the address they have list belongs to XXXX - California, XXXX - XXXX XXXX see the screen shot these are temporary offices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after dooing a little more research i looked into who was able to be a data furnisher and it sure is not a company working out of a temp office with a perpaid cell phone How could Equifax allow this to happen how can they allow a company like this report on my credit or anyone for that matter
Product: Credit reporting or other personal consumer reports

My home mortgage with Chase Bank was under review for a loan modification and in forbearance due to a natural disaster financial hardship. During this time I was making reduced payments. Chase Bank informed me that no late payments would be reported while my account was in forbearance. Late payments were still reported on all three of my credit reports. Chase Bank confirmed that they would request the late and past due payment remarks be removed from my credit report. During the duration of this Chase Bank transferred the servicing of my mortgage to another lender. After the transfer Chase reported all of the late payments back to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never applied for student loans. I have never went to school to have student loans. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX   XXXX {$2300.00} XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX XXXX  XXXX {$5400.00} XXXX XXXX XXXX XXXXXXXX {$7200.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX {$4000.00}
Product: Debt collection

Hello, Ive received another harassment call from a collection company not willing to id themselves however its pretty clear that they are referring to this debt. I have already filed with Colorado small claims and look forward to seeing you in discovery where I will give you a copy of both phone recordings and go over how I feel USAA is using its power to transfer a debt unlimited times to keep harassing me. 

Im new to this so I guess I get to give you the summons myself. Would you like to receive it via email or I do I have to fly down to you hand this? 

Looking forward to meeting you XXXX.
Product: Credit reporting or other personal consumer reports

I have asked multiple times to have items investigated, and removed. They keep saying " it's not valid '' provide proof, etc. I have given them, ID, SS Card, Police Report, FTC Report, address verification. AND STILL they refuse to look into my claim of fraud. I am a XXXX XXXX XXXX XXXX and I live on a fixed income. This is like being victimized over and over gain by the bureaus as well as the fraudsters.
Product: Credit reporting or other personal consumer reports

To whom it may concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

i sent back and air to water generator to the merchant on XXXX XXXX. they signed for it and i have documentation to show that they received it but my bank refuses to credit back the money that i used on the credit card to purchase it. the item was sold to me via a 3rd party seller ( XXXX ) but the actual merchant who i sent the product back to is XXXX XXXX. 

i have not heard from the merchant since they received their item back and i wish for my bank to credit my account for the return of the defective product XXXX XXXX does not answer phone calls or emails and has horrible customer service.
Product: Credit card or prepaid card

Macys does not mail me statements for my credit card. I have requested my statements monthly.
Product: Credit reporting or other personal consumer reports

Federal Student Loans XXXX XXXX XXXX XXXX Entered into Fresh Start : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tradelines are still being reported on XXXX and XXXX with adverse actions : 180 days late x 10 x 20 = hundreds of new adverse marks re-inserted. 

Per the contract attached with Fresh Start, this adverse information was to be entirely deleted per Department of Education. 

My XXXXXXXX XXXX occurred on XX/XX/XXXX. I was not in default when the loans from Fresh Start were sent to XXXX for discharge. 

My credit has been defamed, and I demand that these tradelines be erased and am requesting compensatory damages. 

XXXX and XXXX shall be instructed to remove the adverse tradelines per attached agreement with Fresh Start Aidvantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 20 inquires back to back starting 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 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 reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXXXX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date XXXX Dispute XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of
Product: Debt collection

I have had no personal communication with this company other than an occasional letter. 
I had a collection account reported that was just recently removed from my reports due to it aging off. It was removed directly by the credit reporting agency a few weeks ago. Today I got an alert that a new collection has appeared. They didn't report it as a collection account. They reported it as a regular credit account although it says collection. 
Now they say it will remain until XXXX of XXXX. 
If it was removed from the report by the credit reporting agency as per the information given them by the collector, how can they turn around an report it again as a regular account? Probably because if they reported it as a collection it would have been caught and not allowed to be re-reported.