23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX I noticed and unfamiliar account on all 3 major credit bureaus and sent Accout Resolution Corp a certified request for validation letter ( Conf # XXXX ) advising I did not have enough info on the account and was unable to accurately identify the collection account as belonging to me. I was unable to receive any documents from the company. The company willfully and intentionly has disregarded my request to verify/validate this information as it is defined by law. Please remove this listing from all credit bureaus as it is inaccurate based on the lack of documentation provided by the company in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great XXXX  and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my report.
Product: Checking or savings account

Hi my name is XXXX XXXX. Fraud was done in my account in XXXX of last year for {$3000.00}. I reported that I lost my case with my license and bank card in it to bank of America. They credit my account the money back until they investigate it. XX/XX/XXXX the too it back without even letting me know anything and took all my money out my account. I lost my job so that includes my paid pto time, vacation time, and my pay check I just got paid. I called bank of America to ask why they did it and they told me because the person had my address, and my name. I told them that's what was in my case. Since then they said they would reopen it and check everything again and it will take 60 days to do so. I told them they took all my bills money and everything I am behind in everything. All they say is they can't do anything about it. 2 weeks later or more I checked my account online and it said congratulations the funds will be paid to me. I looked and nothing never showed up. I keep calling and they said they still refused to pay it. Every since then the case been open and closed 3 times and they refused to pay me my money except for {$5.00}. I asked why send me {$5.00} dollars and don't send me the other? And they said it's alot more it takes longer. I been calling and wrote a letter and still nothing. They have made all my bills behind, car about to be repo, marriage issues and everything. They have made my life a living XXXX!!! I need help and fast as possible to get my money back. Also I been Seeing bank of America on the news. I been trying to get channel XXXX news involved for the time being also to see what they can do also. So if yall can do something I will appreciate it. Thank u!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off Speedycash.com and requested ( 2 times this far ) they remove the debt collection by Ad Astra from my credit report. 

Although Speedy Cash assured me the collection would be removed ( in person at their store ) nothing has happened. Its been over a year and Ive not heard from them.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately 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

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I completed a XXXXn survey with the XXXX XXXX program. The honorarium was {$30.00} and issued to me in the form of a US Bank National Association XXXX debit card. The survey was completed XX/XX/XXXX. I received the debit card about one month later. The expiration date of the card was clearly indicated on the front of the card as XX/XX/XXXX. I wanted to use the card on XX/XX/XXXX but learned that {$2.00} per month had been deducted starting 90 days after I received and activated the card. The total deducted to date is {$8.00}. This is highly egregious and illegal in several states. In addition, I believe Federal law would prevent a gift card from loosing value in such a short period of time. I asked the bank to reverse the charges and they refused. When asked to intervene, XXXX XXXX program told me to take it up with the bank. Further attempts to speak to someone at XXXX  have gone unanswered. I am asking for your help in resolving what I feel to be a highly unjust matter. It is not the {$8.00} but the principle in this case that a card given as a compensation should not start to be devalued after an extremely short 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of 15 U.S.C. 1681g. The information updated and modified is incorrect, inaccurate, and false. XXXX notified me " XXXX XXXXXXXX XXXX-UPDATED. '' Errors still exist on my credit report when I never had any creditor relationship with Original Creditor Name XXXX XXXX XXXX XXXX XXXX A nor XXXX XXXX XXXX XXXX I assert that XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  was ever my original creditor. XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX does not appear in my credit file as an original creditor, charge-off, past due balance, amount owed, collection, etc owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  for an amount of {$1800.00} or any such amount. There is no debt owed to XXXX XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX  as my original creditor because I never had any creditor relationship with XXXXXXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX XXXX failed to produce any documented evidence of how LVNV FUNDING, a Type Derogatory, Collection, or a Debt Buyer Account is owed a past due amount of {$1800.00} for a debt owed to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as the original creditor. There is no contractual agreement containing my signature to establish any creditor relationship that exists or existed between myself and XXXX XXXX XXXX XXXX XXXX XXXX  nor XXXX XXXX XXXX XXXX. LVNV FUNDING is listed on my credit report for a Collection balance owed for a debt to Original Creditor as XXXX CXXXX XXXX XXXX XXXX XXXX  Also known as XXXX XXXXXXXX BANK NA as the original creditor that is an error. XXXX remains in direct violation of The Fair Credit Reporting Act ( FCRA ) and LVNV FUNDING remains in direct violation of The Fair Debt Collection Practices Act. Updated and modified information is inaccurate, incorrect, and false. Without establishing an Original Creditor Relationship and a Contractual Agreement containing my signature, it would be impossible to verify any such Type of Derogatory, open, closed, charge-off, default, collection, balance, or amount due, etc.
Product: Credit card or prepaid card

I do not bank with mastercard or usbank, however i was sent a debit card to activate in the mail yesterday. I have been trying to report a fraud but no one at the master card customer service can seem to help me. I did not order a card and think someone else did under my name. I need this card and account cancelled. Thanks
Product: Debt collection

this company called XXXX XXXX keeps call numerous times a day for a person i do not have contact with. i have told they numerous times to please stop calling even tried to get a supervisor to remove my number but they still call non stop i had my phone disconected for 2 week because of the endless harassment and as soon as i turned the phone back on they called within 5 minutes. i am considering legal action if this does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CAR LOAN HAS NOTHING TO DO WITH ME. IT'S ALL PAID FOR ... THIS FRAUD ON MY REPORT ON EXPERIAN
Product: Debt collection

This company continues to not verify this account is mine by showing me proof bearing my signature ..i never signed a contract of any kind with this company. Company continues to call my phone through out the day non stop at times, They also violated fair debt practices by not responding XXXX my second dispute letter with XXXX a direct violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting and address XXXX XXXX XXXX XXXX XXXX Massachusetts XXXX that I XXXX XXXX XXXX XXXX has never live at.
Product: Student loan

I was informed my IDR recertification needed to be complete by XX/XX/year>. I was informed via their messaging on XX/XX/year>. Their email states that they MUST inform me XXXX  days prior to my recertification being due. They did NOT give me XXXX  days notice nor have they processed my recertification yet.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I opened a account with Ally Bank in XX/XX/year>. Soon after opening this account I began to gamble online not knowing this was against the law in not only my jurisdiction, but on a federal level as well. When I found out that this was definitely illegal, and there is alot of information saying it is not illegal out there, I began investigating the charges to find out if they should have been blocked by Ally Bank. From the XXXX codes that I could get it looks like these transactions shouldn't have been allowed to go through. The most common code that seems to be popping up is XXXX which is used for digital goods, specifically games, and transactions involving skilled game wagering. There is no online wagering permitted in the state of South Dakota. Because of all of these disputes, and there are quite a few, Ally Bank decided to close my account. I was not sent a notice saying it would be closed, I was told over the phone on XX/XX/XXXX that my account would close on XX/XX/XXXX. I spoke with a representative on XX/XX/XXXX they told me there was no reason to believe my account would be closed. I tried to make arrangements to pay some payments that needed to be paid because I believed there was still going to be an issue. I purchased auto insurance on the XXXX of XXXX. A payment for XXXX was presented to Ally Bank for payment on the XXXX and it went through. XXXX sent me my receipt on the XXXX in an email along with my ID cards. Then on XX/XX/XXXX the day my account actually did close I also got a email from XXXX saying my payment did not go through due to account closure. I had sufficient funds, and the payment went through but somehow Ally yanked it back. Same with my XXXX XXXX Bank payment. Funds were released on that card as well as my XXXX Bank XXXX. Both payments for those went through and then on the XXXX of XXXX I was sent a notice from XXXX that the payment was returned with account closure as the reason. XX/XX/XXXX I made a payment for XXXX, and XXXX which went through to XXXX, and then I was sent a notice on the XXXX that it failed. All of these disputes I had to file are not my fault and if Ally Bank had been doing their job this would have never happened. I don't believe I should be penalized for their errors.
Product: Credit reporting or other personal consumer reports

I am promised accuracy on my consumer reports based on XXXX laws and there are more than XXXX errors also collections & charge offs. Company in question is ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX ) I have disputed these items multiple times because of these errors its affecting my ability to obtain more and new credit because of damaging low credit scores which is insane because I am aware of my status of unlimited credit living as a private citizen and also status of a XXXX XXXX out all jurisdiction without prejudice. Below is a list of laws supporting my claims pertaining towards collections, charge off, privacy, misleading information, unauthorized permission, and many more All companies on my consumer reports are in violation of all these laws ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) There are so many Violations I can keep going just by looking at all these accounts. I'm going to attach copies of the many letters I sent out to the companies.
Product: Credit reporting or other personal consumer reports

On my Consumer Report, this lender/bank/company are reporting chargeoff/canceled debt. So I contacted them about the XXXX that they are supposed to send to me per IRS Publication XXXX, to file on my tax return as income. I have yet to receive it! So I would like to report suspected tax fraud. I also would like to report inaccurate reporting of information per Title 15 USC 1681 s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the people affected by the equifax security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have an inaccurate address left that needs to be removed. Per FCRA section 605 you are required to remove any information listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

In the accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 

Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX5 USC 1681 section 602 A. States I have the right to privacy.15 USC 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish my account without my written instructions 15 USC 1681 c ( asa ) ( 5 ) Section States : 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 15 USC 1682s-2 ( XXXX  ) A person shall no ot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has to reasonable to believe that thr information is in accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I obtained a credit report in order to file Chapter & Bankruptcy, and discovered for the first time that XXXX XXXX XXXX in XXXX, despite State of California health insurance paying in full for the services rendered, unlawfully filed a collection action attempting to be paid twice-over. XXXX XXXX XXXX sent the account to California Business Bureau, collection agency. 

On XX/XX/XXXX, I filed for Bankruptcy, my attorney included this unlawful debt and asked the U.S. Trustees Office to investigate. The alleged debt was listed as incurred on XX/XX/XXXX ( Acct. No. XXXX ) in the amount of {$36000.00}. The Trustee informed me that I needed to file a complaint with your agency and discharged the debt. 

On XX/XX/XXXX, I received a full discharge of all debts. I contacted both XXXX and the collection agency, as well as a dispute with XXXX. They told me it would be removed on two occasions and they have not. INSTEAD, THEY UPDATED THE CLAIM THAT NOW SHOWS ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint was filed and CEO, XXXX XXXX replied stating this was removed from my credit back in XXXX. Yet, as of XX/XX/XXXX, it remains active on my credit. 
I have not received any documentation that this was removed either. This is violating my rights and damaging my credit rating which I have worked hard to maintain. 
I have attached a screenshot of one of my bureau reports from XX/XX/XXXX to prove it still remains on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have open collection with Evergreen Professional Recoveries Inc. The original amount owed to them was {$300.00}. A payment of {$150.00} was made to them on XX/XX/2019, bringing my total amount owed to {$150.00}. On XX/XX/2019, EPR reported to the XXXX XXXX that I still owed the full amount of {$300.00}. I made a dispute to XXXX XXXX, stating that they are reporting the wrong amount, as I made a payment to them two weeks prior. XXXX XXXX received my dispute on XX/XX/2019, and was completed XX/XX/2019. 

The result of the dispute was verified as accurate by EPR, and it stated that the amount of {$300.00} will stay on my Credit report. I contacted Evergreen Professional on XX/XX/2019, to confirm what the remainder balance of my account was, which the informed me was only {$150.00}. I asked them why this amount isn't being reported to the Credit Bureaus, to which they told me it the Credit Bureaus error. On XX/XX/2019, again, Evergreen Professional Recoveries reported that I still owned full amount of the collection. 

As of XX/XX/2019 the full amount is still showing up as owed through XXXX XXXX, XXXX XXXX and the XXXX XXXX. Evergreen Professional Recoveries Inc., is the only collections company that I have had issues with reporting the correct amount to the Credit Bureaus. I believe they are in violation of the FDCPA, and I feel like they are a completely untrustworthy collection agency. The reviews of this company shows similar instances of them reporting false information on other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been reporting false and inaccurate information about my credit to other creditors which is causing me and my family to get denied of loans this is causing a problem on my livelihood because I am getting denied access of things that I should be getting approved of because I am the original creditor however I did reach out to TransUnion by mailing a certified letter with my ID and my social security number letting them know that they need to remove these inquiries off of my credit because I did not give written or verbal permission for TransUnion or any of these companies to put this information on my credit according to the law Act Section 1681b ( c )
Product: Credit card or prepaid card

Chase credit card closed my account and took over {$1600.00} out but a remaining balance of {$140.00}. I have had the card set for auto pay for the minimum amount due and they used that pre authorization to take an amount NOT authorized. I was also not made aware that such a large sum would be taken from my account. It overdrew my account and CHASE has not giving me further information to understand what happened nor will they refund the excess amount they took. I did not authorize such a large payment therefore they fraudulently used my authorization for the MINIMUM payment set to autopay. I spoke to at least 4 people at chase that kept telling me the money would be back in 48 hours, then 7 days and then they said it was denied with no explanation as to why. This is unprofessional and extremely concerning for their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in dispute to Transunion on XX/XX/20 for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX Solutions. I contacted XXXX XXXX Solutions by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXXXXXX XXXX   when they sold the account to collection agency XXXX XXXX Solutions? There should not be a balance on a charge off account that was sold to a collection agency.