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

As I was going over my credit report I noticed lots of inaccuracies regarding late payments The company is in violation Of the United States Code Law-co ( TILA 15 U.S. Code 1666 ( b ) charge error ) Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S.

Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.
Product: Mortgage

On XX/XX/2019 I applied for a refinance loan with Bank of America. I was told that I could not be approved because I am retired and only have limited income. Bank of America did not consider that I have over {$1.00} XXXX in cash & stock assets. I explained that I withdraw {$3600.00} a month from my savings to cover expenses. And, in three years when I am XXXX I will receive {$3700.00} a month in income. Bank of America did not consider that, if needed, I could draw social security at any time. Bank of America did not consider that I could draw from my 401K at anytime and can withdraw from my savings at anytime. Since most retirees live on their savings ( that's why we save for retirement ) I believe Bank of America 's policy amounts to discrimination on the basis of age - over XXXX.
Product: Debt collection

I am writing to formally dispute a debt collection notice that has been wrongly attributed to me due to identity theft. I have never incurred this debt, and it has been brought to my attention without my authorization or knowledge. The collections agency is Credence Resource Manage, opened XX/XX/scrub>XXXX XXXX for a balance of {$3700.00}.
Product: Debt collection

am writing to formally dispute two accounts that have been fraudulently attributed to me. I have no knowledge of these accounts and have never authorized or been involved with them in any capacity. Despite my attempts to resolve this issue with your company, I have been met with refusal to remove these fraudulent accounts from my record. 

I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter. Additionally, I was never notified of these debts as required by Nevada law, which mandates a 60-day notice before any collection action can be taken1. Your representatives claimed that bills were sent but were returned, which further indicates that these accounts are not mine. 

Moreover, I have experienced repeated bullying and disrespectful behavior from your agents over the phone. I have attached a call recording where your agent can be heard yelling and being disrespectful. This conduct is unacceptable and violates both federal and state laws regarding fair debt collection practices. 

I demand that these fraudulent accounts be removed from my record immediately. Failure to do so will leave me no choice but to escalate this matter further, including seeking legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unlawful Collection Practices and Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, XXXX, Experian, & XXXX I am writing to formally notify you of an unlawful debt collection practice that has resulted in the placement of a collection account reporting under two different names for Experian and XXXX : XXXX XXXX XXXX ( original XXXX XXXX  ) Account # XXXX & XXXX XXXX XXXX Account XXXX XXXX on my credit report. XXXX XXXX XXXX is responsible for this erroneous entry, being they are not licensed to collect debts in the State of Florida, as verified through the NMLS Consumer Access database. The collection account they have furnished on my credit report is not only inaccurate but also violates several provisions of the Fair Credit Reporting Act ( FCRA ) and other laws related to debt collection. 

Here are the specific issues I would like to bring to your attention : XXXX.Unlicensed Debt Collection : The collection agency that placed this collection on my credit report does not have the proper licensing to collect debts in the State of Florida. I have verified this information through the XXXX XXXX XXXX website, and attached documents which shows that they are not registered to operate as a debt collector in Florida. This violation of licensing requirements is not only a breach of state laws but also raises serious questions about the legitimacy of their activities. 
XXXXFurnishing Inaccurate Information : The collection account that has been placed on my credit report is not mine. By furnishing this inaccurate information to the credit reporting agencies, the debt collector has violated the FCRA. The FCRA requires data furnishers to ensure the accuracy and completeness of the information they report. Given that this debt collector is not licensed to operate in Florida, their entire basis for reporting this debt is questionable. 
Impact on My Credit and Personal Finances : This erroneous collection account has had a significant negative impact on my XXXX XXXX, affecting my ability to obtain credit, loans, or housing. The damage caused by this false information is severe, and I am seeking immediate corrective action and expeditious removal. 
XXXXLegal Ramifications : If this collection account is not removed expeditiously, I will explore all legal remedies available to me, including but not limited to filing a lawsuit for violations of the FCRA and state debt collection laws. The actions of this unlicensed debt collector are not only illegal but also damaging to my financial well-being. 
Given the gravity of these violations, I request that the CFPB, XXXX, Experian, and XXXX investigate this matter and take appropriate enforcement action. Additionally, I demand that the collection account be removed from my credit report immediately. I would appreciate any guidance or assistance the CFPB can provide to ensure that this issue is resolved quickly and fairly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get rid of all these hard inquires and late payment accounts and anything in collections that I bringing my credit score down. 

In the past I have applied for car loans but not as much as what appears on my credit report. There are a total of maybe XXXX hard inquires ( if not more ), on my credit report and I no longer have a car nor have I gave dealerships the authorization to send my information to numerous lenders. As far as I was concerned, it was only through " in house financing '', and it seems as if the dealerships did not comply. 

I also recently just paid off a old credit card that had an outstanding balance, and it is still showing up on my credit report as open and more than 90 days late. I received a confirmation from XXXX XXXX stating they did receive the {$120.00} I paid to them to close the account and have it up to date. 

I also had a XXXX XXXX XXXX loan open which had an outstanding balance of over {$1500.00} due to my gap insurance at the time not covering the full balance left. For XXXX years I was able to buy XXXX other cars without the dealerships noticing that open car loan. I showed proof of a total loss letter to dealerships and that is how I got passed that and was able to drive off with a car. 
However, now I am seeking to buy another car, this " open loan '' that I did pay the settlement offer too of {$320.00} ; it is still being showed as open and that I owe {$1500.00}. 

I really want all of these removed from my credit report. I find the inconsistencies absurd, I do understand that credit reports are updated every month, but it just seems as if my credit score has not made any major changes. 

Any hard inquiries from almost XXXX years ago should be removed and fall off. 

In accordance with the Fair Credit Reporting act, I feel as if my rights were violated / 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

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

I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ). I confirmed the exact amount of points on the phone with Citibank. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$760.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back.
Product: Credit reporting or other personal consumer reports

False and/or inaccurate trade line on credit report
Product: Credit card

someone tried to open a Bank of America credit card in my name. It was actually a XXXX XXXX XXXX XXXX. It was done on XX/XX/2023. The reference number was XXXX. I received a rejection letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed over 3 online disputes regarding  XXXX   XXXX  showing up on my credit report when I have not used their service in over 15 years. I have had a different phone carrier for 15 years or more and the credit bureaus have failed to listen and validate the debt. I want it deleted so that I do n't escalate this matter further.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts on my credit reports with Experian and XXXX. I do not recognize these accounts, and they are the result of identity theft. The details are as follows : Experian FICO Credit Report : Auto Loan Accounts : XXXX : Opened XX/XX/XXXX ( Account Number : XXXX XXXX XXXX XXXX : Opened XXXX XXXX, XXXX ( Account Number : XXXX ) Collections : XXXX, XXXX : Opened XX/XX/XXXX ( Account Number : XXXX ) XXXX, XXXX : Opened XX/XX/XXXX ( Account Number : XXXX ) XXXX XXXX XXXX : Opened XX/XX/XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX ( Account Number : XXXX ). 
OFFICE OF THE ATTY GEN opened XX/XX/XXXX Account Number ( XXXX ). 

I demand the removal of these fraudulent items from both my Experian and credit reports and that all collection activities related to them cease, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

This complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that XXXX block the information resulting from identity theft within four business days of receiving this complaint.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent a dispute letter disputing my inaccuracies on my credit report. On XX/XX/2022 I received a response from Transunion Section 611 ( a ) States : The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This also Violated 623 ( 9 ) ( b ) ( 2 ) the credit bureaus are to complete all investigations BEFORE the expiration of period under section 611 ( a ) ( 1 ). Transunion replied back verifying or updating information.Accounts disputed are still inaccurate or inconsistent. Transunion FAILED to conduct a reasonable investigation of your dispute, Violating CRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. If the investigation was throughly done Transunion would have not needed to update any information. It was NOT throughly done because I still have inaccuracies. Another Violation U.S. Code 1681 would be Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. Transunion had no right to believe my disputes were frivolous or irrelevant.So XX/XX/XXXX I sent a letter asking Transunion to send me the methods they used to verify these accounts I have been ignored Transunion had 15 days to respond they have not. This company has violated so many of my rights as a consumer. I am trying to find a home I am at-risk of being XXXX  with a XXXX XXXX old and I can not find a home due to my credit and Transunion keep failing to follow the law causing me trouble in my personal life.
Product: Credit card or prepaid card

I've been scammed up and down I don't know what's going on they've been going in my accounts opening up all kind of things I've been going in debt please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : XXXX, Experian, and XXXX. They still have not answered my request. The information on my report must come off asap ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX is reporting inaccurately on the credit profiles associated with my social security number and my consumer rights are being violated per the following information : There are a few inconsistencies in the account details between XXXX, XXXX, and Equifax on my credit report. 

Firstly, the Account Status is reported as derogatory in XXXX, while it is reported as open in XXXX. This inconsistency is a violation of section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report the " current '' status of the account.

Secondly, the Account Type - Detail is reported as " Credit line secured '' in XXXX and " Secured credit card '' in XXXX. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Lastly, there is a discrepancy in the High Credit amount reported by XXXX and XXXX. XXXX reports a High Credit of {$340.00}, while XXXX reports a High Credit of {$0.00}. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report.

Additionally, the Debt states that it is included in or discharged through Bankruptcy XXXX XXXX reported in the comments section and is inaccurate and requires investigation.
Product: Money transfer, virtual currency, or money service

In XX/XX/2022 I went to XXXX as a volunteer to support people in need there. I lived in a volunteering camp in the south of XXXX. In XXXX one of the camp inhabitants took my smartphone without my permission and left the camp. 
I reported this case to the local police ( please see the screenshot attached ). 

In a week I got to know that there are unauthorized transactions on my debit card that has been set up on the smartphone. I have reported it to the card company ( Revolut ) and have been told that a dispute has been opened. 

As there was no communication from Revolut- I have been checking the status every XXXX days using their application. I have screenshots from XX/XX/XXXX and XX/XX/XXXX where their customer service told me that the dispute is still in progress ( please see full history in the attached pdf ). However, today, on XX/XX/XXXX, another customer service representative told me that the dispute was declined on XX/XX/XXXX. I asked why his reply contradicted his predecessors and why there was no communication through email but got a reply that this dispute is declined and there is nothing to do. 

I asked to explain why the dispute was declined but got no reply. I also asked to show the exact text of the dispute filed by customer service on my behalf but I have been told that it's impossible because the dispute is already closed. 

Since customer service declined to provide the details of the dispute and the resolution, I'm concerned about whether my case was filed and considered. 

As I still see the fraudulent transactions in the Revolut application - I was able to take screenshots from the app. Please see the attached screenshots with the list of those fraudulent transactions that I didn't authorize as my phone was taken without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 12 XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

The Consumer Reporting Agencies have Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. The items below should all be updated as agreed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Status history from 20 accounts deleted from record while account is showing " CLOSED '' and they are still charging interest. Status history dates back to 15 years, status history shows all accounts are " PAID '' within student loan database. 

attached as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to request that XXXX delete this unverified, old and obsolete bankruptcy, Reference # XXXX off my credit report. I have previously disputed this bankruptcy record with XXXX and they have verified the item as accurate several times, stating that XXXX had verified the information with the court. 

On XX/XX/2022, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX Illinois via certified letter. On XX/XX/2022, I received the attached letter response from the U.S. Bankruptcy Court.

According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my XXXX report and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy CourXXXX, XXXX XXXX XXXX Illinois. 

This unverified bankruptcy is apparently being reported by third party record provider Lexis Nexis without any validation or verification that the bankruptcy information is accurate.