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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : THE XXXX Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX LOAN SERVICES XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX CREDIT XXXX BANK XXXX A XXXX XXXX XXXX {$600.00} XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I terminated a lease with an apartment company " XXXX XXXX XXXX' due to medical reasons following the guidelines of Nevada Revised Statute 118A.340 " Right of Tenant or Cotenant to Terminate Lease Due to Physical or Mental Disabilities or Death. I notified the apartment management company on XX/XX/XXXX, with a termination date of XX/XX/XXXX. I received no reply to this notice and continued with the move-out. On or about XX/XX/XXXX, I received a notice of collection from IQ Data Internation , Inc. at XXXX XXXX XXXX, XXXX, WA XXXX. 

On XX/XX/XXXX, I notified IQ Data Internation , Inc. via letter that the debt they were attempting to collect was erroneously transferred to them by " XXXX XXXX XXXX  '' as per State statute my lease contract with " XXXX XXXX XXXX' was legally terminated thus I did not own and monies to " XXXX XXXX XXXX'. 

As requested, I received no response from IQ Data Internation , Inc., and noticed a " DebtCollection '' entry on my XXXX Credit FReporton or about XX/XX/XXXX. I again responded to IQ Data International , Inc. requesting a favorable resolution to the credit report entry. To date, I have received NO correspondence from IQ Data International , Inc in regard to my requests.
Product: Credit card or prepaid card

To Whom it may concern, I have misplaced/lost my Sunbit Credit card on Friday XXXX. Fraudulent transactions have been occurring. 
I went online to check my balance, and it seems like a person has been using my card at stores such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX for over {$70.00} on Saturday XX/XX/2022 and Sunday XX/XX/2022. 

I currently do not have possession of the card. My family does not have access to it. Definitely, somebody has been using it without permission. 


thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXI Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

Hello my name is XXXX XXXX XXXX Ive was a Citibank customer from XXXX until XXXX. My account was past due XXXX time due to an hurricane we had to evacuate and everything was lost and I had a hard time logging back into my account. Now that my account is paid off and closed I want to know can I have a courtesy and removing the late payment from XXXX. I have a bad XXXX Im trying to get approve for XXXX XXXX and this late payment is hindering the process I am begging this is a life and death situation please help me. Thank you so much
Product: Credit card or prepaid card

Bank of America EDD have been allowing my funds to be scanned off my card since XXXX I just found out the revolver in the scandal of XXXX XXXX but I didnt find out that till XXXX. Ive lost thousands of dollars dealing with Bank of America EDD Ive had accounts opened up in my name, that I had known dollar job I also had one of my accounts heard by XXXX XXXX XXXX officials for years Ive been driving back-and-forth with EDD and Bank of America right now they only XXXX {$200000.00} in benefits and over XXXX. XXXX has been transferred off of a card and they still wont give me that money back. They just keep on talking about how theyve came to a conclusion on my open case stating that I was supposed to get the money Im not arguing with you about supposed to get the money Im supposed to be being paid every two weeks Im XXXX and I got hurt on the job, what Im not supposed to be doing have you SMI transferring the money off my card and I told them that if I dont hear it is I want to press charges supposed to be zero liability and they still wont give me zero liability they had the nerve to tell me that they couldnt even update my address for over six months I had to get it sent over to my fraudulent baby mothers house.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. 

This letter is submitted on my behalf, not through a third party, and I request your careful review. I have never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA Section 605B [ 15 U.S.C. 1681c-2 ] mandates the blocking of information resulting from a data breach or fraud.

FCRA Section 604 [ 15 U.S.C. 1681b ] restricts the permissible purposes of consumer reports, which these inquiries and accounts do not meet. 
I have contacted the reporting companies and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed from my credit report. Their continued presence constitutes the unlawful reporting of my consumer information by creditors and/or third-party data furnishers. 

I request immediate action to investigate and remove these fraudulent accounts and inquiries. Please respond in a timely manner in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I settled an old XXXX account that was in collections with XXXX XXXX XXXX. The rep XXXX, gave me a confirmation of settlement # XXXX and told me the amount was actually for {$190.00} ( and change ). 
My credit score before this was good and XXXX and my FICO score had been around XXXX. I found out today by Experian alert, that my credit score dropped 79 points due to being Flagged by XXXX XXXX XXXX on XX/XX/XXXX and again today. Why?! I settled on debt last Friday. 
I first called Experian asking and why this is going on and they had no idea. I then called credit collection services and spoke to rep XXXX XXXX about this as he didn't know either why this was happening. I then asked to speak to a supervisor. A XXXX XXXX ( sp ) answered the phone " asking how she could help '' ... why waste more time? I asked if she was told about my situation and she said " yes '' at which point I asked her to please not waste more time then and help me resolve this. She confirmed the payment of settlement was updated the day after I called in which was XX/XX/XXXX. She also didn't know what was reason for my Experian Credit reporting being flagged by her company. Who does know? Ms. XXXX then asked if I disputed the account and when I told her no, she brought up that I did so in XXXX. So I felt compelled to remind her that this was XXXX and that I was talking about why my account was being flagged in the present. At this point, she said that if I " paid the full amount owned on account that they would report to credit bureaus immediately ''. Really? So again the only solution to problems in this country is paying more and more and more right? I'm not even going to get into what's going on in my family right now but I have to pay for a funeral and I'm not in any state of mind to be on the phone with people that represent these companies. I have to pay for a funeral and I have to pay for my own XXXX in XXXX So I was just about to apply for a loan but this collection agency is flagging my credit to the point which it drops 79 points in two days after I pay my that something is wrong here and I would like to know why. I just spoke to my friend who managed a marketing dept at XXXX XXXX for 7 years and he was appalled and told me to do this.
Product: Debt collection

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : KESSLER & amp ; WILLIAMS Account Number : XXXX Reason : Under 15 USC 1692g. Validation of debts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : 1. ) Defamation 2. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the Better Business Bureau. * Please remove all non-account holding inquiries over 30 days old. Thank you for your cooperation in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone with my information opened a Best Buy and Macys credit card. Each with a balance of over {$1000.00}. The purchase made was NOT mine and dropped my credit score over 80 points. Tried to dispute through XXXX XXXX and nothing has happened. Also have already filled a police report through the XXXX XXXX police department with Officer XXXX.
Product: Mortgage

Our Mortgage was taken over by Bank of America in   XX/XX/XXXX  and we have had nothing but discrepancies with our payments with them ever since.We have tried to modify or re-fi our loan several times since  XX/XX/XXXX  and Obama claimed " I have made it easier to modify mortgages for the American people ''. We were denied a modification and In  XX/XX/XXXX  our  lawyer filed  a Motion to Compel Accounting w ith the courts to try and correct the shortage error they said we owed. I have provided bank statements  4 or 5 times, with proof each time of 2 years back payments to them over the last 7  years we have been fighting with them. They corrected the  first  time with a payment by B of A of {$14000.00} on  XX/XX/XXXX . The second correction was a payment by B of A of {$11000.00} in  XX/XX/XXXX . I have spent hours on the phone with B of A and in my total and utter frustration asked them to open up a claim in B of A 's " Research Dept '' to try to correct this. A man named  XXXX  called me weeks later and said he was from the  " Acquisitions Dept ''  with B of A ( #  XXXX  ) and stated when I questioned what was the mistake? I feel B of A owes me an apology and he just said " I do n't know, your loan miraculously was fixed of a {$15000.00} mistake! '' B of A is stating it is now currently that we are {$59000.00} behind. I am soon refusing to give them any more statements or time on this matter. We have never missed a payment in these time frames! We finally stopped making the mortgage payment several months ago to get them to do something, they said the only way we would qualify for a mod is if we stop making the payments. In order to stop foreclosure now we recently went to credit counseling and applied for  HEMAP. We were denied HEMAP because we make too much money. They have offered a modification finally!!! The terms are NOT to lower the payment and interest rate from currently 7.9 %, but they raised the 3 trial payments to {$75.00} above the payment we were currently paying. AND they will not disclose the " terms '' of this mod until we make the 3 trial payments. Never heard of such a thing! B of A told me the increase of the mod payment was for the shortage we are behind.The counselor from the  credit counseling agency we went to said she has never seen this atrocity before in her   23   years in the field, there is something wrong, especially since they corrected the error  twice on their end and we should file several complaints with whoever will listen. I filed a formal complaint with PA Dept of Banking in   XX/XX/XXXX  to no avail, did n't even hear back from them except that they have notified the Bank of our concern.   What this Bank has done to us has ruined our credit. We have not been able to refinance with any other bank because B of A has reported us as late payments all of this time since  XX/XX/XXXX , AND they have charged us late payments of {$100.00} every month since then! We are good people who have always paid our bills and our credit was in the high  XXXX    XXXX   when we bought this home. We have been her e 17 ye ars and do not want to lose our home. We are fed up. Please help.
Product: Credit reporting

There is duplicate student loans on my report. They have been closed on XXXX accounts and transferred. My student loans have been 90 % paid for. The information on my reports are inaccurate.
Product: Debt collection

True Accord was advised not to call me anymore as the debt is not owed, True accord has continued to reach out to me via email and phone during work hours when this debt was paid and is not owed. I spoke with XXXX  XXXX Employee ID # XXXX in the mobile billing department on XX/XX/year> at XXXX Pacific Time. He informed he reached out to True accord and they confirm the account was closed with them. As the account was paid in full previously. He informed me he spoke with a representative and they assured him they will close out the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter to remove unauthorized inquiries. I included a fruad report, my id and social along with a utility bill to match my current address. Inquiries are still showing on my report and I havent been contacted after the 30 day mark. I sent out letters on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter XXXX XXXX XXXX XXXX showing my credit score.Trans Union FICO Classic showing Serious Delinquency, and Public Record or Collection filled, And with XXXX   XXXX has on there report serious Delinquency and Derogatory public record or Collection filed? I don't understand anything they are reporting! please help with this matter
Product: Credit card or prepaid card

On XX/XX/2021, I called XXXX to open a new phone line. They sent me several online forms to fill out to open the line. Unbeknownst to me, one of these forms was a credit card application for a XXXX XXXX Card through Synchrony Bank. I never asked for this application, no one told me they were sending me a credit card application and it was not clearly labeled as a card application. Once I submitted, it said I was approved for a credit card. I immediately called XXXX and told them I hadnt meant to apply for this card, that their solicitation was deceptive and that I wanted them to cancel my application and remove any associated inquiry from my credit report. The person with whom I spoke said that they had resolved this, but today I received the card and the inquiry is still on my report.
Product: Credit card

I was sent an offer from Milestone ( concora ) Credit card. I was approved for a XXXX limit and charge XXXX for an annual fee. I used the card once and then they shut it down for suspicious activity. They asked for a copy of my drivers license. I paid {$15.00} to send it to them. I call them today they shut the card down and expect me to pay the XXXX for a card that THEY gave me FRAUDENTLY. They scammed ME out of XXXX. If I don't pay they are putting it on my Credit report. I am trying desperately to rebuild my credit and this company knows that the people they give these cards to all are so they scam you and then close your card no legit reason because I proved who I was. What am I supposed to do. I will pay them for the one item I was allowed to purchase but I am not paying the XXXX. The shouldnt have allowed that initial purchase but they are smart. They know they can XXXX you because they allowed this one purchase. This is fraud -- they should not be allowed to do this. There should be a class action suit and have to refund everyone XXXX XXXX XXXX XXXX. And rude- they are the rudest. They are taking advantage of people who are trying to change their situation. There should be repercussions ' for their fraudulently ACTIVITY..
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I sent a certified letter to XXXX and Experian XXXX of XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. Im very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. 

XXXXXXXX XXXX  XXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX  Accout # XXXX charge off date XX/XX/XXXX XXXX XXXXXXXX XXXX account # XXXX Charge off date XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

had XXXX XXXX sent from my XXXX XXXX XXXX ( XXXX ) to the binance.us bnb wallet listed on my account XXXX it says it was successful but the XXXX  never showed up in either account after. 

The transaction id is XXXX Binance has stalled and gave me the run around since XX/XX/XXXX with absolutely nothing actually being done