23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online XXXX account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my XXXX account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want XXXX to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.
Product: Debt collection

This is very frustrating. I thought I did all the correct steps, yet this doesn't seem to go away. On XX/XX/XXXX, I posted a used XXXX motorcycle online for sale. I was contacted by lets call him XXXX. He left XXXX down and we signed a partial bill of sale for the balance of XXXX to be paid in 2 weeks. I held the title. In the excitement and confusion, I forgot to remove my license plate from the motorbike. XXXX never returned to pay the balance or retrieve the title, much less to return my plate. After researching XXXX XXXX criminal record of multiple armed robberies and XXXX traffic, I went straight to the XXXX XXXX XXXX office and reported his name, showed the contract, to remove any liability from the stolen plate. I also went to the Driver 's license office and removed my name from the plate on XX/XX/XXXX. About a year later, I start receiving tons of toll by plates and red light tickets. I called the XXXX and showed them proof, and told them to check the status of the plates, they are not in my possession, nor do I live in the same city as XXXX. Over 4 years later, and now I receive a collection agency sent by DOT for fees he's accruing on my old plate. The guy is a whole foot shorter than me, it's obviously not me on the bike. I also live an hour away from where he's at. This has become a nightmare, dozens of invoices, now a collection agency is putting my good credit at risk. How do i make these jokers understand, that tag is not in my possession, and get them to stop harassing me? I'm a XXXX XXXX XXXX Vet that suffers from panic attacks and XXXX, there's no reason for me to have to stress over something I've taken care of 4 times already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a company called XXXX XXXX XXXX reporting on my consumer file that its inaccurate information reporting, to Equifax, XXXX and XXXX they all said they investigated, and it came back as verified and accurate, but how is that when it's a collection reporting as a past due balance this is a violation of the FCRA and is also in violation of Metro 2 Compliant reporting standards. Equifax, XXXX and XXXX are not reporting a date of last activity, XXXX or XXXX is not reporting a high balance and XXXX is reporting a collection account as opened and past due balance and Equifax is reporting a collection account as opened and past due which is not under FCRA compliance, according to the letter, I received from the company that is reporting this account on behalf of XXXX XXXX XXXX. Equifax, XXXX and XXXX all have a different account number from the company. Please see attached letter I provided from the company for proof that the account numbers that's on my credit file is different from each of the CRA 'S.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation into this account : Account name : XXXX XXXX XXXXXXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly.Please provide all documentation stating that this would affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

This company ( Receivable Management ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Illinois this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. 

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my XXXX Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer, XXXX XXXX received a alert from credit karma on XX/XX/XXXX in regards to a closed account. XXXX XXXX closed my account with a balance although the balance was paid in full. I sent my payment via certified mail and they received it on XX/XX/XXXX at XXXX. I spoke with a representative on XX/XX/XXXX and she stated that they will do a investigation on a lost payment. I never received a call back or anything in the mail in regards to the investigation being closed. There is no third party involved so this is me, the consumer, telling you for a fact that the payment was received by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/24 my mortgage company reported false derogatory information to all 3 credit bureaus. Within minutes, I filed disputes with the 3 credit agencies and filed a CFPB claim as well. Within 2 days of the false information hitting my credit report, Bank of America has lowered my total credit limits from XXXX XXXXXXXX to XXXX XXXXXXXX. 

After reaching out to Bofa with no help from anyone, I came here to request assistance. I have worked my entire life ensuring that I need to keep my credit file clean and in good standing. 

Bank of America has chosen to use this false report ( It has already been corrected on all 3 reports and I have a letter from XXXX with an official apology for the mistake ) I have no remedy or recourse in order to be made whole again. I worked years to establish and build my credit lines, banks should at least ensure the information they are acting on is valid! 

I am a consumer who has been taken advantage of, through out a system of inequality. This is gross negligence and is cause for me to reconsider who I bank with. 

Again, Bank of America does not care that the error was a mistake and has stated they do not care to see the document received on company letter head from XXXX issuing an apology for the incorrect reporting to my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX still reporting closed account as delinquent. Under a Debt Mgmt Plan
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Employer : XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Addresses : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Collecons : 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
Product: Credit card

On XXXX of XXXX I did a payment online for a service of XXXX, but unfortunately i found out later it was not XXXX and they stole my card details. In the evening XXXX fraudulent payments were done from my account. At the 7th payment I got a message on my phone, asking me if it's me doing the payments. I said no and the card was blocked. In total XXXX were stolen from my Account. I contacted Revolut in order to get these payments back. I also raised a formal complaint with Revolut. They declined my complaint with arguments that are just not true. 

They said that for these payments " it required the physical presence of the device owner ''. But the payments were done in XXXX and I was with my phone in XXXX. I don't know how it happened but neither me nor my phone were present in XXXX, when the fraudulent payments were done. I didn't do enter any passcode or do a biometric authentication this evening. 

They said my card was linked by someone to XXXX XXXX. I don't know if this is true, I only see the transactions done. They say : " For a card to be linked to XXXX XXXX, a verification code is sent to your phone number with the following message This code will be used to add your card to another XXXX XXXX device. Don't enter it anywhere unless you want to add your card to a new device. Don't share this code with anyone, even if they claim to be from Revolut. Revolut verification code for XXXX XXXX XXXX XXXX I didn't get this message. For sure I would not have approved it. Revolut is very wrong here.

They also said : " Dispute Chargeback, which is applicable for situations where, for example, goods or services were not provided ''. This is also my case, because no goods or services were provided to me. ( Also I didn't try to order or buy anything ).
Product: Debt collection

I told them it wasn't my debt and they are saying it is it should be removed it is illegal to report inaccurate information to my credit w/o my permission
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and have noticed an inaccurate account from XXXX XXXX XXXX. According to the Fair Credit Reporting Act, I am entitled to dispute information I believe to be erroneous and fraudulent. There is no legal, binding contract with this company in which I have acquired goods or services. For clarity, I have not given my consent and have not provided my signature allowing my information to bought, sold or shared. Therefore, this company has no legal right to this account and my personal information.
Product: Bank account or service

On XXXX XXXX 2016, I attempted to initiate an Automatic Clearing House ( ACH ) transfer from my XXXX at HSA Bank ( a division of Webster Bank, XXXX. ) to an external linked and verified bank account. HSA Bank 's online portal would not process the transfer, because it is greater than {$500.00}. I called HSA Bank 's Customer Service Center at XXXX and spoke to a representative " XXXX '' who confirmed that HSA Bank has a new policy limiting outgoing transfers to {$500.00} per day. I protested because there is no language in my account 's " Deposit Account Agreement and Disclosures '' that references or allows such restrictions on withdrawals. First, she maintained that a new Account Agreement has been sent to account holders, but I had not received it yet. On further questioning, she admitted that no notice had been sent to account holders, and that this was a new internal policy, which was allegedly put into place due to fraud. She was unable to direct me towards language in the account " Deposit Account Agreement and Disclosures '' that allowed such restrictions, and was surprisingly unable to provide me with at copy of the current " Deposit Account Agreement and Disclosures. '' As an alternative arrangement, she did suggest that I could contact my regular bank and obtain a cash advance to pay for medical bills. 

These practices are improper and concerning for several reasons : 1 ) There is likely no legitimate reason for the {$500.00} daily withdrawal limit other than to limit consumers ' access to money 2 ) This does not conform to " general banking practices '' in XXXX or in the XXXX 3 ) If in fact, HSA Bank is having significant fraud problems with ACH transfers to *verified* external linked bank accounts, this should raise a red flag about the overall security level and internal controls at HSA Bank XXXX 
4 ) It is interesting that HSA Bank has no problems accepting incoming ACH transfers greater than {$500.00}. 
5 ) The {$500.00} daily restriction is so incongruent with the essential nature of an HSA ( i.e. paying individual medical expenses, which often exceed {$500.00} ) that XXXX wonders if this account can truly function as an XXXX. 
6 ) The advice to obtain a cash advance from my primary bank to pay a medical bill is very poor advice. 
7 ) Although I agree than HSA bank can limit withdrawals when fraud is suspected, applying a blanket and arbitrary policy to all accounts is not appropriate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile.

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth.

A recent utility bill confirming my current address.

A copy of my Social Security card verifying my SSN.

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report.

Update my credit profile with the correct details listed above.

Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown company contacted my phone on XXXX XXXX 2017. Informed me of a debt they allegedlu purchased from a company namedx XXXX XXXX I had no information about. They did not have valid contact information so I provided my address to send me proof of agreement, proof of right to collect, and payment history to show proof of amount they are claiming is owed. 3 days later the account popped up on my credit bureau. The information provided on credit bureau do not provide the information requested and my complaint is that under the FDCPA law my rights to validate the validity of thhe debt was violated. I am XXXX and awaiting a XXXX and XXXX XXXX. I do n't have the energy to fight for my rights or the finances to to just pay something I do n't feel I owe. I am being bullied by this company who refuses to correct this issue I am experiencing. I want this derogatory information removed due to wrongful tactics and I want to be given a fair chance to understand what this is by validating this account according to my rights. The company is in direct Violation of FCRA fair credit reporting act. ( Using the credit bureau as a eay to strong arm a consumer )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting " snap on tools '' account as reported on " XX/XX/2022 '' when it's over 7 yrs old. They're trying to re-age this account and violating the my rights and the FCRA. I would like for them to delete this account and pay me a sum of {$1000.00} for damages and the error of reporting by re-aging the account. They're also reporting a balance due, when the account was written off as a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I have an outstanding debt with XXXX XXXX XXXX XXXX  and when I tried calling them they said it was moved to a collection agency and I needed to work with them, Ive never recd a letter but I did get phone calls I asked the agency to send me in written or email my debt it took 3 calls to finally get this letter emailed to me and when I tried calling them to arrange a payment I dont get a call back 1 week later I get a call from the agency ( Constar financial service ) they call me during my work hours Ive asked for them to all me after XXXX est time and they never do they only call during the day which I cant take. Ive left several voice mails to this agency after work to have them call me back. Its not right that they only can call while Im at work esp since this is a dent and a private matter for my coworkers not to know. Im looking to resolve this and get it off my credit report
Product: Debt collection

they call me regards on a debt on firstdata leassing company that i never sign any paper or anything involved with that equipment it would be stolen identety for somthing that im not aware i want to stop calling me or email me thing that i do not own anithng
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX