23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Re : Account ending in XXXX & Claim Number XXXX This letter is in regards to my California Unemployment benefits that were stolen from me. On XX/XX/20 I received a letter from Bank of America regarding the enrollment of my prepaid EDD card in XXXX XXXX. At the time I had been waiting for my card for over a month and had yet to receive it. Upon calling customer service I was informed that someone had fraudulently drained all the money from the card. 

After many hours on hold and calls to the EDD and Bank of America I was told that my claim valid and that the funds would be credited and they were only to be mysteriously debited again a few days later. 

It is now XX/XX/20 and I have not been able to access any of my unemployment benefits. I was able to view the transaction history of the card and I know for absolute certainty that most if not all the places the card was used have XXXX cameras and you can verify that it was not me using this card. I also know that I am not the only victim of this type of fraud and that workers inside Bank of America have been involved. 

To resolve the problem, I would appreciate your help in crediting my account again with the total amount of money that was taken from me ( approx. {$14000.00} ) Enclosed are copies of my records. 

I look forward to your reply and a resolution to my problem and will wait until XX/XX/20 ( before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX Sincerely, XXXX XXXX
Product: Debt collection

Sent for debt verification letter nothing ever was returned to me XXXX XXXX XXXX, I've been disputing as well and this system yes system updates with no invalidated information reporting back my the bureaus, I have a right to request validation thru CFPB of the debt you claim that I owe you, I am requesting proof that I am indeed the party you are asking to pay the debt, and there is some contractual obligation that is binding on me to pay this debt under my fair debt collection practice act 15usc 1692 section 809, I will also inform you that if your office have or continue to report invalidated information to any of the three major bureaus ( XXXX XXXX and XXXX ) this action might constitute fraud under both federal and state laws, a violation of my fdcpa, fcra also deformation of character
Product: Credit card

I am formally making a complaint against synchrony bank regarding my guitar center card ( acct # XXXX ), I received a voice mail from them today ( XXXX/XXXX/16 ) informing me that my account was past due XXXX payments and a delinquent was reported to the credit bureaus, which is the sole negative on my credit history ever and has lowered my fico. 
I informed them that there must be an error because I have been enrolled in autopay for the past 2 years, I was also informed that there are XXXX late charges ( $ XXXX {$60.00} ) and they stated they will not remove them, I even pointed out that the XXXX & XXXX payments posted without issue, however, the last person I talked to that hung up said she did n't see any information ; I have been attempting to resolve this issue all morning and have gotten nowhere, I have been hung up on 3 times today when I ask to speak with a supervisor, I dont know what recourse I have but this can not be allowed to stand and I can not be bullied and have my credit score impacted when I have never had a derogatory or late payment with any of my accounts and there is no on I can talk to to resolve this issue.
Product: Checking or savings account

I was a victim of identity theft and fraud. My account was hacked and someone sent their self over {$3500.00} to a XXXX. I have filed a police report and also have tried to get the money back. My money was stolen from Regions Bank and through cashapp and I am elderly and do not know these people at all who have robbed me.
Product: Credit reporting, credit repair services, 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 Acct XXXX XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX Child XXXX XXXX XXXX. Acct # XXXX XXXX  XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX. ACCT # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX5 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without my written instructions.

15 USC 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 USC 1681 s-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 card

I would like to file a complaint against XXXX ( Formerly Uplift ), due to this company ruining my credit. They reported my account as XXXX days late in error, which caused my credit to go down over XXXX points. I was previously advised by a representative ( XX/XX/XXXX ), that I was being placed on the hardship program, which would change my due dates. I made a payment in XXXX & XXXX. I received an email stating my final payment of {$120.00} would be due XX/XX/XXXX. I made the final payment on XX/XX/XXXX. I spoke with a representative that day and was informed my account was over 30 days late and would be reported to the Credit Bureaus. I informed the representative that I never received any correspondence stating my account was behind and that I was told my due dates changed. She advised me to call back in a few weeks to have them remove the negative report. XX/XX/XXXX is when it was reported to the Credit Bureaus. I reached out to Uplift numerous of times to resolve the issue to not avail. In addition, I filed a complaint through the Better Business Bureau but Uplift would not assist me. I advised Uplift to listen to the phone conversations, as they would hear the representative state my dates have changed. The company wrongfully and purposely submitted the negative report to the Credit Bureaus, which is affecting me from making certain purchases. Upon further investigation, I noticed the company received many complaints from others via Better Business Bureau. I hope this matter can be resolved. I have attached some documents for verification. Thank you
Product: Credit card or prepaid card

In XXXX XXXX  every account I have was hacked. Hackers went into my email and went into all accounts associated with that email. The hacker added themselves as authorized users on every one of my accounts using the name XXXX XXXX. The hacker then ordered credit cards with their name on it. The hacker also added a stolen bank account as an account linked to the credit account. They ran up a bill and even used the stolen back account to pay the credit bill down to a XXXX balance ( increasing the credit limit so that they could purchase things again ). The owner of the stolen bank account that was used fraudulently had all of the payments reversed leaving a bill over {$8000.00}. The credit limit on the card was only {$2000.00}. I have spoken with the fraud department numerous times regarding this issues and they dont seem to care or even understand the situation. Ive worked very hard on building my credit and my score dropped over XXXX points to this. I have a great credit and payment history on all accounts. I dont know what to do or where to turn to get help. Im desperate here
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, The Company Avant , Inc. falsely reported two missed payments to my credit report.
I 've had   XXXX   balance with this company since the end of  XXXX  and a perfect current payment status up until this week when I checked my credit score, which I check every week.
All of a sudden they reported to the credit bureau this week that I missed two payments for   XXXX   and  XXXX  of  XXXX . I never had a balance with them in  XXXX .
This is 100 % false fraudulent reporting. My credit score has plummeted  XXXX  points because of this false allegation.
How can a company all of a sudden ruin my credit this week over something they alleged happened in  XXXX . Why did n't they report it then. Why was I never contacted over these alleged missed payments at the time.
This is bogus and thoroughly wrong.
I 've strive very, very hard to get my credit score up and Avant comes in and destroys it in one day over false reporting.
I 've contact the company and they said they would look into it and they sent me a email I do n't understand.
This is the companies information : Avant, Inc.
  XXXX   XXXX   XXXX    XXXX , IL  XXXX  XXXX   XXXX 7 Please help me with this situation and let me know who else I can contact about this matter.
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX XXXX Balance Owed : {$590.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am reporting about error in my credit profile. I found account that is not mine, somebody filed it however I am not connected to this account absolutely. Please I kindly ask you to remove it because I am victim of identity theft that's obvious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXXdit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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 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
Product: Debt collection

XXXX deleted inaccurately reported medical debt on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company continues to violate my consumer rights but reporting inaccurate information on my credit file about and closed auto loan that acts like a revolving credit card account. The credit bureau also says that they verified this account without my consent not have shown me there method on how they verified this account when my images below shown different to what the credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. 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. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : * XXXX XXXX  XXXX : - PLEASE DELETE ALL ACCON REPORTED IN THE PROBLEM * XXXX XXXX XXXX : PLEASE DELETE ALL ACCON REPORTED IN THE PROBLEM I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 

* Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
* Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 


Under the FCRA, I am requesting : * Immediate investigation into the disputed items listed above. 
* Removal or correction of the inaccurate information. 
* An updated copy of my credit report reflecting these corrections. 

I have attached copies of supporting documentation to aid in your investigation, including : * A copy of my credit report highlighting the disputed items. 
* Documentation supporting my claim of inaccuracy. 


Please conduct a thorough investigation and provide me with a written response regarding the outcome within XXXX  days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely
Product: Mortgage

We had 2 mortgages in XXXX we did a loan modification and were lead to believe both mortgages were included However now specialized loan serving states they purchased my 2nd mortgage in XXXX and are now trying to foreclose on my property Ive been trying to work with them by doing a modification but they are asking for {$43000.00} down payment and in the middle of a pandemic I do not have that amount of money I dont want to lose my home I feel they will not work with me and most of the time they do not answer my requests for information I did receive a letter from them which I will enclose however none of the information is valid this company never requested a cash settlement
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 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 XXXXXX/XX/2022
Product: Debt collection

On XX/XX/2020 I received a call stating that I owed a debt. I asked for all of the details of the debt but the agent wouldnt provide me with the info. On XX/XX/2020 I received a email stating that we could resolve the debt. I reached out but the agent had no knowledge of the email.
Product: Debt collection

XXXX has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.
Product: Credit card or prepaid card

On XXXX an unauthorized charge for {$120.00} was placed on my account. I had already reported the card compromised after a {$1.00} charge had appeared days before. 

I awaited the replacement card and then closed the account. 

After this, I received a notice about this other charge. 

Both the charges cam from XXXX XXXX, where I have never visited. They were from an XXXX station. I remember receiving a charge more than a year before for {$150.00} from the same location, which was disputed as fraud. 

There are no email addresses by which I can get a documented response from this bank. I had originally open the account as BBVA Bank, and was told it was bought by PNC. 

I am getting no confirmation that I reported the fraud, nor that I closed the account. They refuse to send me a credit notice for any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. Transunion just removed two of the loans but XXXX and XXXX has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been battling against XXXX where I got my student loans from. When I was included in the recent lawsuit against them and applied to have my student loans discharged due to XXXX being a fraud school. I was approved for the discharge XX/XX/2021. Thats 8 years of loans I had to work on paying back for a fraud school. I reached out to Experian filed a dispute when I noticed my student loans were still on my credit. I got the notice today that they have been removed completely not showing any payment history and drop my score XXXX points!!! All payment history gone and XXXX POINTS GONE. Ive worked hard to get my score up. XXXX and XXXX didnt take that much. If I wouldve known that then just put it back on my credit or at least show payments. XXXX points is a huge hit.
Product: Credit card

Barclaycard has " conducted an investigation '' internally into my issue and did absolutely nothing. The company is perpetuating fraud openly now with full knowledge that this account is not mine and have sent me a letter acknowledging the fraud. The company was made aware of a fraudulent account underneath my name and social security number earlier this year and the account is STILL OPEN. I filed a complaint on here and their representative called me, told me there is nothing they will do without further proof of my case and are still actively reporting a fraudulent account as one that is valid underneath my social security number. I have now placed extended fraud alerts on every credit bureau and will be pursuing legal action against this company. For any potential consumers out there here is what happened to me : Barclaycard began reporting a fraudulent account underneath my name and after I called in no less than 10 times to report this the account was kept open and reported on my credit reports with my social security number. After filing a complaint on here, a company representative called me and told me that they would conduct an investigation. They took 1 DAY to go through months of calls and openly accused me of committing fraud using this fraudulent card I never opened or wanted with their company. For any potential consumers stay as far away from this company as possible. There were multiple cases of fraud committed by someone using my social security number and each and every other company I have dealt with was helpful and wonderful with assisting me. Barclaycard is a perfect representation for what is wrong with the credit card industry. 

They are the worst company I have ever dealt with and will now be pursuing legal action against them for fraud.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX