vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Per FDCPA Section 809b a collection agency must validate a debt they claim I owe in which they have not. When I first swnt my complaint the company removed it the same day and lied in their response saying they don't know od anything and the next day they added the item back to my credit reports! I havw proof of where they remived the items just to lie in their response and now Im getting new alerts where they have added back the item to the reports. They again are violating my consumer rights and causing harm to my credit score by doing this. These people are breaking the law and they know they are. They should be fined to the highest extent!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In accordance with the credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
There was not appropriate info for me to pick the right reason for the complaint. I have another complaint against this company for the exact same issue. 
This is a debt that was CHARGED OFF XX/XX/2020 and this company XXXX XXXX XXXX is now reported it as a XXXX XXXX XXXX XXXXT How does it go from a charge off to a collection account. This is re-aging an account which to my knowledge is illegal. These companies are crooked and constantly selling loans and ruining peoples credit. I know I owe the money and I am willing to settle BUT i am not going to unless they report back to a charge off with the correct charged off date and then I settle the charge off My score has dropped significantly because they reported this as a NEW account. 
How does it go from a right off - charge off to a collection? Its a collection first then a charge off we dont go backwards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
XXXX mailed and received by front Desk/Reception on XX/XX/2022 on XXXX tracking is provide and shown. 

VIA U.S.P.S. CERTIFIED MAIL XXXX VIA U.S.P.S. CERTIFIED MAIL XXXX Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. Further, I request verification of the alleged debt ; specifically, I request the following documents : ( 1 ) a copy of every contract and/or agreement signed by me and the alleged medical provider, including, but not limited to, ( i ) an informed consent for the medical treatment that is being billed and ( b ) financial responsibility agreement signed by me for to the medical services being billed, ( 2 ) a copy of all actual bills sent from the medical provider to me with tracking numbers ( e.g., certified mail return receipt number or other tracking number ) or other proof of mailing ( e.g., affidavit of mailing under penalty of perjury signed by the actual individual who mailed the bill ( s ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies along with copies of all payments received from insurances companies by the medical provider for the services billed, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by me to the medical provider for the medical services provided that were billed for and in collection, and ( 5 ) a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs now in collection. You unlawfully attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your tradelines of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Complaint Against Navy Federal I deposited a check from my XXXX Provider via ATM on Monday Night ( XX/XX/XXXX ) around XXXX. The check amount was XXXX. The bank made XXXX available immediately. 

The remaining balance is typically deposited within the next business day - XX/XX/XXXX. 

( XX/XX/XXXX ) Around Noon, I discovered the remaining XXXX had not yet been placed in the account. I called Customer Service to inquiry when the funds will be available, per the 1st Customer Service Rep the funds will be available on Thursday ( XX/XX/XXXX ) Later the same day I called back to Customer Service to see if the funds can be pushed through because I was trying to pay bills as soon as possible. According to the 2nd Customer Service Rep- he is unable to push the funds through immediately however the funds will be available after XXXX. 

At XXXX pm, I checked my account and the funds were available. 

( XX/XX/XXXX @ XXXX ) I checked my account again and the funds was available. I immediately start paying bills. I paid XXXX credit card bill, XXXX XXXX bill. I attempted to pay my XXXX XXXX but the transaction was declined. I was confused, so I checked the funds in my Navy Federal Account and it showed XXXX. I became upset and confused. So I called Customer Service. XXXX XXXX stated is negative and the system has removed the funds from my account and the funds will not reappear for another 4 days. I became extremely upset and asked to speak with a XXXX. Spoke to XXXX XXXX XXXX XXXX ) and she simply reiterated everything the Customer Service stated. 

I don't understand how the system made the monies available then REMOVED the funds as I was paying my bills. 

Since XX/XX/XXXX, I have spoken to a total of XXXX Customer Service XXXX and XXXX Supervisors. NO ONE has removed the block on my account and the bills I paid has been returned as insufficient funds. I was previously told my XXXX - the transactions will clear when the funds reappear & THE TRANSCTIONS WILL NOT BE RETURNED AS INSUFFICIENT. 

According to XXXX XXXX XXXX XXXX Supervisor ) The reason the system removed the funds is because Navy Federal received a notification from the Federal Reserve that my XXXX Check was a potential fraud. I have requested a copy of the notification from the Federal Reserve and NO ONE has provided a copy. 

As of today XX/XX/XXXX - my account is still negative XXXX and I'm still waiting for the remaining funds to become available in my account. The transaction for my Credit Card XXXX and the XXXX XXXX has been returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act Bankruptcy Reference # XXXX has violated my rights. 
15 U.SC. 1681 section 602 A. States I have the right to privacy.

15 U.sC. 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
These items are effecting my ability to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On Tuesday, XX/XX/2022, I intended to send my brother {$620.00} through Zelle from my XXXX XXXX bank account. Zelle allows people to send money using other people 's phone numbers. I mistakenly entered an incorrect digit when entering my brother 's telephone number through Zelle. I immediately attempted to get the transaction reversed through XXXX XXXX ; however, they said I'm unable to cancel the charge once sent through Zelle. Then, I contacted Zelle and they informed me that I had to request it back from the individual who received my money in error. I reached out to the individual to inform him what happened and he didn't understand why neither Zelle nor XXXX XXXX could resolve it. The individual to who I mistakenly sent the money denied my request and asked me not to contact him again. The individual requested that Zelle resolve this. I informed Zelle of this and they still refused to take the money back from the individual and return it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX amount of {$960.00} opened on XXXX XXXX XXXX account number XXXX amount of {$100.00} opened on XX/XX/XXXX XXXX XXXX account number XXXX amount of - limit {$500.00} opened on XX/XX/XXXX, Has violated my rights 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 : Also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX amount of {$960.00} opened on XXXX XXXX XXXX account number XXXX amount of {$100.00} opened on XX/XX/XXXX XXXX XXXX account number XXXX amount of - limit {$500.00} opened on XX/XX/XXXX, Has violated my rights 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 : Also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Greetings. 

I've been sending disputes since XX/XX/XXXX, and on XX/XX/XXXX I sent in my most recent dispute to XXXX XXXX XXXX regarding Bank of America 's claim that check fraud has been committed. Within the dispute I have included all the required and supporting documentation : Identity Theft Affidavit - FTC Complaint Number - Copy of Photo ID - Police Report - Explanation Letter. 

I received a response through email from XXXX XXXX XXXX on XX/XX/XXXX and they have not removed the requested information of check/checking account fraud by Bank of America , Which again was a result of identity theft. I have provided the necessary documentation to prove so and they are violating my rights by not removing said information from my XXXX XXXX Report. 

I will upload the docs on this claim. 

XXXX XXXX XXXX XXXX Bank of America must provide proof that this was not Identity Theft If not they must remove information, please CFPB look over this claim. 

FTC Claim # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA , Inc. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To : The Office of Registered Agent for Santander Consumer USA , Inc.. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Santander Consumer USA inc are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and XXXX. 

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate.

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent my XXXX letter off on XX/XX/2022. Here is my tracking number XXXX to remove personal information that I do not want on my credit report. Pursuant to the fair credit reporting act 15 USC 1681 ( a ) ( 4 ) to be exact I have the right to privacy.

ALSO, pursuant to 15 USC 6802 no financial institution is supposed to share my information to 3rd party companies. 

There are clear violations of my federal protected consumer rights. 

Delete all of the following personal information from my consumer report NAMES : XXXX XXXX XXXX - Name ID # XXXX XXXXXXXX XXXX XXXXXXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXXXXXX XXXX XXXXXXXX - Name ID # XXXX ADDRESSES : XXXX XXXX XXXX XXXX TX, XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX -Address ID # XXXX XXXX XXXX XXXX XXXXXXXX TX, XXXX -Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX - Address ID XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I been trying to resolved the issue for over 2 weeks. I have attach a letter explaining everything and documents that shows that someone is using a credit under my name and macy is allowing to do it. please review every single document that I will be summing. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief