23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I contacted National Credit Adjusters regarding an account that was on my credit report. It was for an account I did not recognize but I wanted to resolve the the impacts of it's reporting as soon as possible. After speaking to an agent I was lead to believe that the only way to resolve this issue was to pay on the account ; I was not told that I can refuse or request account verification ... so I paid the requested amount. 
I later realized that by both federal law and the Texas Financial Code Sec. 392.101 I had the right to the account being validated and for that validation to meet certain criteria. On XX/XX/2020 I sent a certified debt validation letter requesting that NCA provided me with with require verification items mandated by the Texas Financial Code. It has been over 30 days and NCA is unwilling to remove collections in compliance with the Texas Financial Code Sec. 392.101 after failing to validate the account within the 30 day time period required by the state of Texas. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following information to validate debt : The name and address of the original creditor * The original date of default or non-payment of the debt with original creditor *The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental *The original balance *The current balance * Any fees added by your agency.
Product: Money transfers

My car dealer told me to pay the DMV XXXX, which I did. However, I had already paid and the DMV sent me back the check. Bank of America took it out of my account and then will not give it back, though I 've called six times to have it given back. 

Additionally, I filed a claim with Bank of America due to fraud at a postal center while I sent a sculpture. They charged my card {$110.00} fraudulently after quoting me {$25.00} dollars. Bank of America honored their fraud and gave them the money even though I never allowed it to go through nor did I approve the price. They signed it wihtout my permission!
Product: Credit reporting or other personal consumer reports

ACCEPTED FOR VALUE, EXEMPT FROM XXXX AND HONOR EXEMPT FROM XXXX, DEPOSIT TO UNITED STATES TREASURY WITHOUT PREJUDICE U.C.C 1-104, PUBLIC POLICY XXXX, TITLE XXXX SECTION 8, U.S.C 3123, U.S.C 5103, HOUSE XXXX XXXX XXXX XXXX XX/XX/year>, ARTICLE XXXX CLAUSE XXXX CONSTITUTION UNDER XXXX & XXXX AMENDMENT, U.S.C TITLE XXXX PART XXXX XXXX XXXX U.S.CIVIL CODE 241 & 242, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX LAW, ADMIRALTY LAW, TRUST LAW, COMMON LAW JURISDICTION & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) Wells Fargo dated XX/XX/XXXX 2 ) XXXX XXXXXXXX dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) XXXX  XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit agency has put an account with a company called XXXX XXXX XXXX on my report, stating that I opened an account with them on XX/XX/2021 & owe them {$670.00}. This information is completely false & fraudulently being reported. I have worked extremely hard during Covid 19 to keep all my payments on time & have been 100 percent on track with all my credit cards & loans. This fraudulent account needs to be removed from my report immediately.
Product: Credit card

i purchased a snow blower this winter at walmart.com, and was told to pick it up at the walmart at XXXX in XXXX. i went to the walmart to pick it up, with a copy of the reciept but was not allowed to get it. i went to complain to the manager, and i was asked to leave the store. i complained by phone and by email, and asked for my money to be refunded. i was charged interest on the purchace and my credit was damaged, i NEVER got the item, but they are charging me interest on it. i would like to clear this up, but i need the interest to be removed, and all the interest that has accrued durring the time they have refused to straighten this out., my name is XXXX XXXX, i have been hospitalized and sick since XX/XX/XXXX.i am on federal XXXX. i am stayinhg with my parents recvering : XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2016 Bank of America had a promotion filter on Snap Chat. It appeared to be a picture of a donkey that would face swap with the user and the donkey was holding a mobile phone with a Bank of America logo shown on it. My problem with the filter is that Bank of America did not disclose itself as an " Equal Housing Lender '' but notified a user that is was a member of the FDIC. Is Bank of America no longer an " Equal Housing Lender '' and discriminating? After seeing this I would probably not open an account there or apply for a refinance and I am currently in the market for a new Bank as I believe XXXX has significant UDAAP violations that are not being addressed through the complaint process. In addition, I am confused by the filter advertisement - is Bank of America announcing that it is filled with a bunch of Donkeys? A picture of the Snap Chat filter is attached to this complaint for reference purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. JUST POSTED THIS FILE ON MY EXPERIAN CREDIT AS A DEROGOTORY ACCOUNT, AND IVE NEVER DEALT WITH THEM OR OPEN ANY RECENT ACCOUNTS. I AM REQUESTING A VALIDATION IN WRITING OF THIS ACCOUNT SHOW DATES AND AMOUNTS BECAUSE IT LOOKS LIKE THEY ARE TRYING TO REAGE SOMETHING THAT IM NOT FAMILIAR WITH. THE FAIR CREDIT REPORTING ACT SAYS IM ENTIGHTLED TO THAN IN A TIMELY MANNER. I AM XXXX AM ON XXXX, WHICH MEANS MY INCOME IS FEDERALLY PROTECTED. I AM ASLO REQUESTING NO FURTHER ATTEMPTS TO CONTACT ME BY THIS COMPANY AFTER I GET MY VALIDATION PROOF FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 
I previously sent all my documents to XXXX, Transunion, and XXXX, regarding the theft of my identity. They blocked the fraudulent information from my credit reports for one month, and then re-inserted it back into my credit reports without explanation which is in violation of the FCRA. 

I am requesting that the fraudulent accounts and inquiries be blocked permanently from my credit report. 

Incorrect Address still appearing on my credit reports : My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please, remove the inaccurate addresses appearing on my credit report. 

Accounts as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you block the fraudulent accounts from my credit reports and send me an updated and accurate credit report. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer credit report and I noticed an unauthorized accounts from XXXX XXXX XXXX XXXX account under 15 USC 1681 number 3. Experian assumed this role without permission not only that you did not have my consent. Experian did not respect my privacy pursuant to 15 USC 1681 a number 4. Experian did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report. Experian also is the only reporting agency reporting this account. They also have all of the payment history for each month as a collection this was never reporting of 30, 60, 90 days late. Please see attached.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 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 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 and 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: Debt collection

My contract wi th   XXXX   XXXX   XXXX    had expired in  XXXX     2016. After my contra ct expired I was billed {$71.00} I asked the  XXXX   XXXX   XXXX  representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.
Product: Credit reporting or other personal consumer reports

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX has no XXXX XXXX. Which it had before. I got scammed by a company last year that had my social and all personal information and nothing was done about it. There are things on my credit that are older than 7 years old. I mean they just dont care and they break credit laws each and every day.
Product: Credit reporting

I tried to obtain a free credit report from Experian, because I was denied credit over a month ago, but my request was denied. 
Today when I paid for it, I was able to get the report. 
On that report, there are names I did not recognize, and wrong information. 
I tried to open a dispute and was denied. 
So Experian has to be paid for everything, otherwise I can not move forward with the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$760.00}.
Product: Credit card

On Sunday XX/XX/XXXX I was advised that a legitimate purchase was declined. I called Citi and they said it was a computer glitch and I should have the vendor rerun it on Monday. They did. Declined again. Called and was now told it was " AI '' and " algorithms ''. However the same vendor charges me very similar amounts every week to ten days on the same card for the past three years. They ( Citi ) said they " fixed '' the problem. On Tuesday same amount same company- declined. This is hurting my business as the vendor is about to cut me off. 
Please investigate Citi
Product: Debt collection

I have recently discovered a collections account on my credit report for {$1500.00} originally owed to XXXX XXXX XXXX XXXX. The current collections company is XXXX XXXX XXXX. The report also states the account was opened XX/XX/XXXX. I had an account with the XXXX XXXX XXXXXXXX utilities that was opened in XXXX XXXX  XXXX and closed in XXXX XXXX XXXXXXXX in which I arranged a deferral of payments until the water and gas audit at my rental home was performed. I had emailed the director about this several times and spoke with his assistant whom assured me the utilities wouldnt be cut off while it was being investigated. Due to the excessive charges and the audit that was never performed, along with many other problems, I tried to close my account with no luck and informed the officers at the code enforcement department. I didnt receive a single email, phone call, text message or letter or bill in the mail after that and I moved out.
Product: Student loan

In XX/XX/XXXX, I informed Mohela that I was unable to make the monthly payments on my student loans. At that time, Mohela advised me to submit an application for the Graduate Repayment Plan, stating that it would take XXXX weeks to process. Additionally, I received an email from Mohela indicating that I would be notified whether or not my request had been approved within approximately XXXX to XXXX business days of receipt. However, despite this assurance, no resolution has been provided, and I have been placed on administrative forbearance repeatedly. 

Since then, I have been placed on administrative forbearance repeatedly, with no resolution to my application. Despite numerous follow-ups, I am consistently told that the application is being expedited and is nearly complete, but these updates have proven to be inaccurate. 

Additionally, the repeated periods of administrative forbearance have caused my loan balance to revert to approximately {$34000.00}, the same total as when my loans originated in XXXX. This suggests that no progress has been made on reducing the principal or overall balance, which is deeply concerning. 

The lack of transparency, delays in processing, and inaccurate communication from Mohela since their transition to a new system have made managing my loans unnecessarily difficult. I would like this issue addressed and resolved as soon as possible.
Product: Credit card

My credit file was retrieved in XX/XX/XXXX and after further investigation, inaccurate information was discovered. The Fair Credit Reporting Act 15 U.S Code 1681 relating to Inaccurate details as follows : XXXX report open XX/XX/XXXX, account # XXXX, Last verified XX/XX/XXXX, date of last activity XX/XX/XXXX, closed date XX/XX/XXXX, High balance {$17000.00}, and lasts payment XX/XX/XXXX. XXXX  report open XX/XX/XXXX, account # XXXX, No closed date reported, high balance= {$0.00}, last activity dated XX/XX/XXXX, Last payment XX/XX/XXXX. XXXX reports no account number, last activities XX/XX/XXXX, dated report XX/XX/XXXX, last payment XX/XX/XXXX. XXXX, XXXX, and XXXX are our main credit bureaus but all report inaccurate information on my credit report about the Navy Federal Credit Union Credit Card. Per Fair Credit Reporting Act 15 U.S.C 1681 which justifies the removal. Transaction history along with derogatory marks are a violation of the Fair Credit Reporting Act. By law, the statute of limitation in Maryland for a credit card to continue on your credit report is only for three years, and the Navy Federal Credit Union Headquarters is located in XXXX Virginia where the statute of limitation is only for five years. This account has been reported on my credit report for 7 years, four years over the statute of limitation in Maryland where I reside, and Two years over the NFCU Headquarters location in Virginia which justifies removal by the statute of limitations laws. Navy Federal Credit Union reports this account to the three credit bureaus XXXX, XXXX, and XXXX as charged off which is treated as income and, therefore, eligible for removal from the records. IRS regulations Laws Topic no. 431, Canceled debt. If your debt is forgiven or discharged for the amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Income is considered money received, especially regularly for work or through investments. NFCU credit card is not work or investment and by IRS law justifies removal. 

Please review the attached evidence uploaded to the file.
Product: Mortgage

I have been attempting to bring my past due mortgage up to date since XXXX of this year. I accepted a trial modification and made XXXX of these payments covering XXXX and XXXX. I also set up a third and final trial payment for XXXX. Unfortunately, my third payment has been rejected and I 've been terminated from the modification program without explanation. I have not been able to reach an assigned relationship manager since the end of XXXX. I have never once been contacted for scheduled contact with my relationship manager. I have called numerous times to inquire about the status of my account and I 'm told a different story every single time. I 've escalated this to a supervisor named XXXX XXXX who has failed to follow up in assisting me. I 've also contacted her manager XXXX XXXX on XXXX/XXXX/16 but I have yet to hear from him either. I received XXXX and XXXX contact information. I have tried diligently for months to bring my account current however Bank of America has not allowed that to happen. I continue to get the run around, calling almost daily trying to sort this out and get some type of definitive resolution. I do n't know how to get higher than XXXX XXXX and I have no idea what to do from here other than plea to the CFPB to please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending in several dispute letters via USPS certified mail to TransUnion, they have failed to legally investigate and delete several inaccurate accounts on my consumer report. They are willfully furnishing this inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. They have ignored my direct correspondence and attempts to resolve this issue directly. I have attached my Affidavit and other dispute letters I recently sent to TransUnion in the past. All these documents have been sent directly to TransUnion in the past 120 days and they have ignored them all. All my previous documents and Affidavit clearly show how TransUnion is in direct violation of the Fair Credit Reporting Act 15 USC 1681i ( 5 ) by reporting inaccurate information. Unless TransUnion takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.
Product: Credit reporting or other personal consumer reports

I am without prejudice the agent for the principal XXXX XXXX XXXX authorized to make this complaint without recourse in good faith for truth in equity. Credit bureau are conspiring to cause harm reporting fraud when account has been canceled, accounts is now showing closed XX/XX/year> which proves my complaint and shows account disputes were never verified and shows conspiracy. You verified a debt on a closed account, make it make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$0.00} and XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$0.00}. Also, I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXXXXXX  Balance : {$300.00} and XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$16000.00}. Please remove.
Product: Debt collection

Vendor informed us account would be cleared after returning the equipment which was completed on XX/XX/2020. Account still shows open and when we contact the vendor they don't find our account since it was closed. They lost our paper work and do not resolve the issue. This is impacting my credit and my ability to get a mortgage for my home and nobody is helping.