23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, 2015 I CLOSED my Bank of America credit card account. On XXXX XXXX, 2015, and XXXX XXXX, 2015, Bank of America accepted and posted charges to the CLOSED ( statement attached ). I called Bank of America on XXXX XXXX, 2015 and spoke with XXXX XXXX who identified himself as a supervisor in the dispute department. I informed XXXX XXXX the account is closed and I also informed him that no company is authorized to post charges to the account. XXXX XXXX refused to accept a dispute of the charges and advised Bank of America will continue to post these charges to my CLOSED account. He further advised that it my responsibility to work with the vendor to have the charges stopped. I repeated my statement to XXXX XXXX that the account is closed and as of XXXX on XXXX XXXX, 2015, Bank of America has been informed that no company is authorized to bill the this CLOSED account. XXXX XXXX again refused to accept the dispute and again repeated that Bank of America will continue refusing to honor the closing of the account and will continue accepting these charges and posting them to my CLOSED account in spite of being advised the charges are not authorized.
Product: Credit reporting or other personal consumer reports

I applied for a job with door dash. CHECKR is the background check company that completes the reports. upon receiving my results there is a violation on my record that says I was in POSSESSION OF OPEN ALCOHOL CONTAINER WHILE OPERATING A MOTOR VEHICLE. I was denied the job position. I disputed the results with CHECKR numerous times stating they're reporting inaccurate information. I went to DMV to pay for a motor vehicle report to show checkr that theyre reporting inaccurate information. I also went to the county courthouse and received the ticket that I was charged for. CHECKR is still reporting inaccurate unverifiable information. I have included all proof of dispute and my documents
Product: Credit card

Between the dates of XX/XX/year> to present almost every day someone gets into my account and uses my information to buy stuff, pull money out of an ATM, and connect I do not even know how many accounts that are not mine to my account. I have repeatedly diusputed this and I am given nothing but excuses. The ATM withdrawals I am told nothing is wrong with them and they refuse to refund my money. I have repeatedly asked for my account to be closed and no more cards sent but they ignore my request and send more cards which IMMEDIATELY gets connected and/or used without my consent or knowledge. Last week around the XXXX I talked to a " XXXX '' who told me all kinds of stuff I was not being told or being told incorrect information and placed a freeze on my account and a do not send card request. XXXX minutes later I got a notification of a new card sent and my request for freezing/cancellation was denied. THat card was IMMEDIATELY connected to an account that I do not have any knowledge of proving that sending me a card as I said was causing me to lose money. I have lost a total of over {$1000.00} because of their negligence.
Product: Mortgage

My loan was sold/transferred to a different servicer and now every year there is a increasing amount of shortage in my escrow. For the pas 2 years it was short {$1700.00} plus the first year and now they are telling my it 's short {$2600.00}. I every month, i have inquired several times about tis and have been brushed off, hung up on, and told that they could not provide the information I am requestion. My principal is only gettitng {$94.00} dollars paid towards it and almost {$400.00} toward interest. How is thios possible, when will i every pay off this note?
Product: Money transfer, virtual currency, or money service

Six months ago, around XX/XX/XXXX and XX/XX/XXXX my PayPal account was hacked. The person managed to hack another person to send money to my account and get the money. Since then my paypal account was negative for a period of time till I got calls about the money being owed and eventually got a letter from collections. I tried to contact paypal multiple times to tell them that it wasnt me and that I was hacked. Im hard of XXXX  and have XXXX, so I have problems with communicating with people in real life and sometimes go online to chat and without realizing it I give my personal info by accident. I wrote a letter explaining this to PayPal but I got a letter again dated XX/XX/XXXX saying I had to pay {$1700.00} but they will settle for {$1200.00}. I can not afford to pay this, especially for something that wasnt my fault at all. PayPal is more trouble than its worth and needs to be flagged. They take advantage of a lot of people. I already have credit isssues and Im in the process of trying to fix it but this makes it worse. Please tell me something can be done, I dont know what else to do.
Product: Debt collection

On Friday XX/XX/2018, I made contact with XXXX trying to find out why an old account with XXXX XXXX has not been deleted from my credit as of yet. My argument with XXXX was throughout the past year, I've sent advanced dispute, debt validation request to XXXX XXXX XXXX to validate a repo debt that was being reported incorrectly showing the wrong amount. The representative stated we will reopen investigation, but could not state what the company was reporting back to them. I contacted XXXX XXXX   myself by phone since they never responded back to my Debt validation letter and the representative I spoke with stated that my account was turned over to a in party 3rd collection group called XXXX XXXX XXXX and they don't have my account in their files which mean they was unable to validate the debt. I never received a call from XXXX XXXX nor or they reporting to my credit. The representative their couldn't locate my account but ask me to pay XXXX when it's reported to XXXX as XXXX. I XXXX the company information online and it's listed as a scam. I'm asking that XXXX XXXX is remove from my XXXX   credit report. And I also request hat XXXX XXXX do not contact me. The statue of limitation to collect a collection debt in the state of SC is listed as three years and it's been almost 7 years.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review. 

Please help me out and submit my complaint to the bureaus as soon as possible!
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void.
Product: Credit reporting or other personal consumer reports

I am writing with a heavy XXXX to dispute the inaccurate information being reported on my credit report. The following items are wrong and are deeply affecting my XXXX XXXX, making an already difficult situation even worse : Account Name : XXXX XXXX - XXXXXXXX XXXX Account Number : XXXX Balance : {$6800.00} Reason : This account is wrongly being marked as charged off with an outstanding balance. I kindly ask that you provide proof of the charge off and update the balance to {$0.00}, or remove the negative payment status altogether. I am deeply disappointed by the outcome of your investigation. Please send me the proof of your findings, along with evidence of the negative payment status, or else remove this damaging information from my account. 
Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

Recently I looked at my credit report, and I noticed several inaccuracies with one of my accounts. This account is reporting late payments and different dates for date opened XX/XX/2022, and XX/XX/2022. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need this account updated and deleted from my credit score. 

Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company claim they transfer this debt to XXXX XXXX XXXX XXXX and if it was true then why are they currently reporting late payments on my credit report I have proof that this company is still actively reporting on my credit profile with to recent late payments.
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. 
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, has violated my rights. 


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 or other personal consumer reports

I disputed this account I.C system in the amount of XXXX Im not sure how this got on my amount and why it still is on my credit report. 

The accounts with XXXX are paid in full and its still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ONEMAIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I XXXXXXXX, XXXX  and ONEMAIN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

I do not owe this debt and I dont know how this debt collector SRING OAKS CAPTITAL, LLC had obtain my personal information without my authorization, which is violation of FCRA section 604 ( a ) ( 2 ). This is potentially Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/16 Balance {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX my Capital One credit card was charged fraudulently for two transactions, one totally {$7500.00} and the other {$4300.00}.

The charges were made in a region ( XXXX, NY ) about 6 miles from where I live ( XXXX, NY XXXX. At the time of the charges ( XXXX and XXXX ) I was at home with my wife and child. I reported the charges as fraudulent via text at XXXX after receiving an alert to my phone and called Capital One from my home at XXXX to confirm my card had been suspended.

Capital One are reporting that a physical card was used in the store and because I am not certain whether my card was lost or stolen at the time, they are refusing to refund those charges. I did not make those purchases and can verify that I was not in that area at the time those charges were made. This is a clear case of fraud and I would like to bereimbursed.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting agency, the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
Account-XXXX XXXX XXXX XXXX XXXX. Account- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account- XXXX XXXX, AccountXXXX XXXX XXXX  XXXX Inquires= XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXviolated my rights. 

When I requested my credit report from Experian on XXXX I notice somethings were incomplete and not accurate, and according to the fair credit reporting act. whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) in general, after any reinvestigation under paragraph ( 1 ) of any info disputed.by a consumer, an item of information from the file is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from my file of the consumer, or modify that item information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 accurate.
Product: Debt collection

Recently I had {$3000.00} medical.debt added to.my Experian credit Report. This debt does not belong to me. I've reached out to the company several times to try and have this debt removed and requested validation of debt from them with no success. Ice files reports with the FTC as well as an affidavit with the IRS for several other debts I had to have removed bc of this. I am requesting that Experian have this debt removed from.my credit report immediately. This is my 2nd attempt with contacting Experian to have it done and I have not gotten a response. Your attention to this matter is greatly appreciated. XXXX has already investigated this matter and has had it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ending in # 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
Product: Debt collection

On XXXX, 2022 I sent Debt collector, Receivables managements Systems, a cease and desist and demanded that they only contact me through mail. I stated precisely that no other mediums of communication were allowed, especially through consumer reporting agencies. The letters was delivered XX/XX/2022 2022
Product: Debt collection

Upon reviewing my credit report, Ive noticed a collection agency ( National Credit Systems ) which ive never authorized to obtain or furnish my personal information reporting a past due collection debt of {$450.00} dating XX/XX/year>, on behalf of XXXX XXXX XXXX XXXX which also states the associated account is paid and never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

They will not honor my online request ( filled out at their website ) to freeze my credit. They give no explanation and do no provide a human customer service rep to speak with. The website says I will need to send them ( through the US postal service ) very personal information, including Social security number, gov. issued photo ID, a utility bill, D.O.B, etc. in order to fulfill my request. All this info could be intercepted by someone ( stealing mail is very common crime these days ) and used to open accts in my name.
Product: Checking or savings account

Bank of America employees are participating in a XXXX XXXX against me. This is one of the harassment techniques that Bank of America does to my checking account at least once a week : denying transactions when the funds are available. This has resulted in a weekly loss of time, loss of opportunities, defamation, embarrassment, etc This is one of the harassment techniques that Bank of America uses at least once a week. They steal my funds by denying me the access to my funds to complete transactions when the funds are available. Therefore, these crimes are being reported as harassment and theft. 

In this case, my phone was disconnected by XXXX XXXX on XXXX  at XXXX for a bill of {$33.00} not being paid, even though records show that sufficient funds of {$65.00} was available in my Bank of America checking account at the time. The full name of the Bank of America responsible for the theft is not available at this time, but Police Report has been filed.
Product: Debt collection

This item was on my credit report and it is illegal to report information on my credit without my permission according to FCRA section 605B
Product: Debt collection

On XX/XX/2020 I paid XXXX  XXXX the amount in collections of XXXX on account XXXX on my debit card on XX/XX/2020 the funds where released from my bank. XXXX XXXX send me a paid in full email and stated that they would contact IC System to remove me from collections. 2 months later IC Systems still have nor removed or updated there system that the balance is paid in full. 
I have call them and sent them the payment letter. On XX/XX/2020 I again called IC System and they tell me they will not remove it until XXXX   lets them know I asked can you just call to verify I a as told no. I called XXXX who stated the bill is paid and IC System was made aware on XX/XX/2020 through there computer system. I spoke to XXXX XXXX at IC System and XXXX XXXX the supervisor
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX original loan XXXX, on XX/XX/XXXX XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX ,XXXX, XX/XX/XXXX XXXX,XXXX,XXXX, and two recites showing different amounts owed.and everytime you call, or go there asking question pertaining to your account there rude, have attitudes, or make you uncomfortable.
Product: Credit reporting or other personal consumer reports

2 collections from XXXX XXXX XXXX are not mine. i have never lived at this address. these collections are due to fraud. request collections removed from credit report
Product: Debt collection

In XXXX I had a security system in my home which I installed myself from an online company. In XXXX, not sure of exact dates anymore, XXXX XXXX bought this company. I cancelled this service because I no longer needed it. XXXX kept on charging me and I called on several different occasions to tell them I cancelled. They told me I needed to write a letter to cancel, which I did. At that time, they kept on charging me and I called once again and ask why they were still charging me, they said they never received my letter. I sent it to them again. They put this account on my credit report stating it was delinquent. I reported them to the XXXX, who did nothing. I then reported them to the CFPB and it was finally removed. This year, when I applied for another mortgage, my banker ask me if I knew I had a collection on my credit report, I did not. I looked into it and found this company, Zions Debt Holding stating that I owed XXXX {$1100.00}. XXXX obviously sold this account to yet another company to try to collect, even though it had been removed from the credit report in XXXX. The date reflected that this account was opened in XXXX of XXXX, like it was a new debt. I reported this again to the XXXX and disputed this on my credit repot with XXXX They will not remove it and say it is accurate and this is an open account, which is a blatant lie. They however did change the date to state the account was openedn XX/XX/XXXX, which is also inaccurate. I dont even live in the same house where I had the security back in XXXX and this account was closed and removed from my credit report. This is affecting my credit score now and I have not had a late payment in over 4 years so why would I open an account this year and just not pay it. I tried to explain that to XXXX  and XXXX and nothing has been done. I need your help and this company needs to be reported for improper collection practices. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can not afford to have XXXX like this randomly showing up on my credit report especially when I have worked to hard to repair my not so perfect past credit history.
Product: Debt collection

Re : XXXX reporting derogatory inaccurate information to credit bureaus without prior written notification. XXXX XXXX Debt not reported by XXXX Dear XXXX : Im a physically handicapped person who pays bills respectfully upon receipt by USPS every month in a timely fashion. I have been a customer of Southeast Toyota Financial for more than a decade and until yesterday never had any problems. Although that XXXX did not in fact send me any bills or past due billing notices by neither USPS nor by email, but rather reported inaccurate statements to my XXXX credit file as of yesterday. They, XXXX, have not in fact been providing any written notification or communication whatsoever to myself, the customer who currently has made all payments to the current date. Rather than acknowledge all of my own written and verbal conversations with their representatives with regards pertaining to their false, derogatory and slandering information they reported to my XXXX credit bureau. Theres nothing in writing as well to at least provide a late notice warning to make myself, the customer, aware that they are going report to the credit bureaus if my account doesnt have current status. Not only did XXXX never send any monthly paper statement or electronic statement, they actually had the audacity to report that I had personally requested electronic billing which I have never done so in more than a decade as a customer of XXXX.Not only did I make them fully aware of my intentions to send two months of payments simultaneously for XXXX and XX/XX/XXXX, but that payment was received and processed by XXXX before I had even received any notification from my credit bureaus until just now. I have numerous correspondence with XXXX in their website messages and have had been treated unprofessionally with hostility when speaking with their representatives about this situation. 
I have initiated disputes with all bureaus and I just wanted you to be aware of the situation. Finance companies are obligated to notify their customer if theyre going to refer them to an outside credit bureau or third party company prior to submitting negative and derogatory information. This is part of the FTC and unlawful and deceptive trade practices.I have never been treated with such unprofessional customer service from XXXX or any other during my time driving and if their company had sent their required paper statements every month as always, this would not be an issue. I will send you all correspondence in an attachment and hope that something can be done to resolve. 
Sincerely yours, XXXX XXXX XXXX