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

I was made aware of a collection account on my Transunion credit report showing an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. First and foremost, I was never sent a notice to my physical address before they sent it to collections which is a violation. I was applying for a house in the middle of the year when I was made aware. I sent verification letters to XXXX XXXX XXXX as well as a validation letter to Transunion on XXXX certified XXXX. I also sent another letter to Transunion on XXXX to dispute inaccurate information from XXXX XXXX XXXX as it was showing all kinds of different data on my other reports from the other XXXX agencies. 
1 ) Transunion is reporting a high balance while the other XXXX credit agencies are reporting no high balance. 
2 ) Transunion is not reporting a Date of Delinquency of XX/XX/2019 while the other XXXX agencies are reporting which is a violation 3 ) Transunion is reporting XXXX XXXX XXXX as a ( Open Account ) which is incorrect as this collection agency can not report an account as open as I do not have a contract/loan with them. 
Per the Fair Credit Reporting Act Section 611 any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
Product: Debt collection

National credit system is reporting inaccurate information on my credit report stating i owe {$5600.00}. I have no knowledge of this debt and never was informed about this debt, i would like validation of this debt with my signature on any type of written agreements stating this debt. If company fails to provide documentation please remove debt from my credit file.
Product: Checking or savings account

Happy Holidays to the good people at the CFPB. Thank you for your service. Im writing the CFPB because Im being extorted and discriminated against by Bank of America. Not just with overdraft fees and atm charges. Bank of America is not doing proper accounting on my business bank account ending in XXXX. I am only being serviced on the cash side of the Bank of America accounting ledger and not the credit side. Yesterday I received a tax credit from the XXXX XXXX  because of a tax form I submitted to the IRS Treasury department. The tax credit of {$38000.00} posted to my account at midnight XX/XX/2022. Instead of crediting my account Bank of America created a negative deposit after applying the credits to themselves and not giving me access to my funds. I am completely in shock and cant even think straight. Im tired of being bullied. Im a tax paying American State Citizen. I should not be treated like this..
Product: Debt collection

I paid my XXXX XXXX  account balance in full on XX/XX/2022 for {$95.00}. after a balance of {$0.00} took it to collections for near {$500.00}
Product: Credit reporting or other personal consumer reports

I mailed my XXXX XXXX dispute letter on XX/XX/24 and they violated XXXX XXXX XXXX permissable purpose and they dont have any written permission to furnish my informatio ln according to the family education rights and privacy act XXXX XXXX XXXX
Product: Debt or credit management

A company central portfolio keeps contacting me about a debt that is past the statute of limitations. Portfolio recovery is their parent company or has sold them the account. I notified portfolio recovery to put me on a cease and desist all contact with me immediately. They are harassing me with calls and texts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I need the following items removed off of my Credit File as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Unpaid Balance {$15000.00} XXXX XXXX XXXXXXXX XXXX Unpaid Balance {$120.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
Product: Mortgage

This problem is related to Wells Fargo Bank automatically opening a escrow account relating to Taxes on my home without my permission. This move that Wells Fargo bank has taken will effect my payments on my monthly mortgage by more then XXXX XXXX dollars. I am on a fixed income, and my social security paid for my home mortgage every month. I have not miss a payment on my home in sixteen years, but this increase will cause me to have to re-think my mortgage payments. Wells Fargo Bank did something that they should not have done. They paid the second half of my taxes on my home without my permission. I receive a notification from them that I was late on my taxes, but this is not the first time that I have been late on my tax payments. I have been late several time before in the last sixteen years, and Wells Fargo Bank has NEVER step in and taken this type of move before. Wells Fargo Bank taking this matter into their own hands has occurred, because I have been discriminated against by my Home Owner Association ( XXXX XXXX XXXX, XXXX ), and they had force me to obtain an attorney to fight against them taking my home. Well Fargo Bank was contacted by my attorney ( XXXX XXXX XXXX ), and informed of the discrimination that XXXX XXXX XXXX or XXXX XXXX XXXX XXXX had file against me and my home. Wells Fargo Bank and their attorneys knew of the situation through my attorneys. This is one of the reason why I was late with my tax payment. I went in XXXX XXXX and paid half of my taxes, and I was hoping that I would be able to pay the other half from my past due income taxes with my Federal Tax return, but because of the Covid-19 viruses their seem to be a delay in receiving my Refunds, so, this is another reason why I have been late with the second half of my property taxes, along with the pandemic affecting my ability to bring additional income to help resolve this issue, but I knew before the year ( 2021 ) would end. I would pay all the taxes that I owe, along with any late fees. This should be without saying that this is most difficult couple years that this country ( The United Of America ) has ever experience. I am XXXX years young, and I can not remember anything more difficult then what we have been through, as, a country, and to ask a Banking Institution to find a way to work with their mortgage lenders is not much to ask. I have contacted Wells Fargo bank, and informed them of the actions that they have taken has not HELP my situation. I did not need for them to intercede in my tax matter. Just like they didn't have to intercede when I was being discriminate by my homeowner association, but being that I have been discriminate against most of my life. I am NOT surprise when an unexpected situation come from NO where. I need for them to reconsider this escrow account, and leave my mortgage payment as is!!
Product: Credit reporting or other personal consumer reports

I am the victim of is theft this company is reporting fraudulent account that were opened in my name with out my consent. XXXX bank and XXXX XXXX I have never had any business with these institutions
Product: Debt collection

This account was resolved and shouldnt gone to a collection agency. I reached out to the company to have it removed with no response.
Product: Credit reporting or other personal consumer reports

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX 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 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: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX 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. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information 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 the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car in full I previously complained that credit acceptance did not report that I paid the car off in full a representative called me this morning I notice my credit score dropped 9 points when I inquired as to why it showed that credit acceptance did not show my vehicle paid but it just said the account was closed which reflected derogatory so not only did they not report that my car was paid in full now it's showing up as derogatory because it looks like they closed the account due to non payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Zelle has done nothing to prevent fraudulent charges and refuses to return money that was not authorized to be sent!! They have stolen over XXXX XXXX from me since XXXX XXXX XXXX
Product: Consumer Loan

I had a vehicle loan with American Credit Acceptance up until XXXX of 2015. Due to unforeseen family and financial issues I could not afford the payments and was coming up on being three months behind after having the loan paid as agreed for almost three years. Since I could not catch up on the payments, I requested a Volunteer Surrender. The company did not follow the repossession laws of the state of Pennsylvania. They did not tell me when they were coming by phone or in writing, I was reprimanded by the tow truck driver for not having the keys ready, and did NOT receive the required letters stating where the vehicle was to retrieve my personal items, if and when the vehicle was to be sold and how much it was sold for. The only letter I received was from them stating I owe {$1300.00}. Not knowing the law at that time, I called them to make payment arrangements, and they also gave me a settlement payoff of {$600.00} to keep the debt off of my credit report. They gave me a workable arrangement. 
A month later a received a letter stating my debt was turned over to a company called XXXX XXXX. I called them and they would not honor my payments arrangement. This debt is now shown as a collection account on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections ( Portfolio Recovery ) reporting incorrect DOFD to keep on credit report, over 8 years old and have not made a payment within 8 years. I have asked for proof of original opening date and date of last payment ( they will not provide ). My attempts to dispute through credit bureau and collections are futile. This debt is so old, greater than 7.5 years. I would greatly appreciate any help in removing this old debt from my current reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have contacted Monarch Recovery Management Incorporated on several occasions to obtain a receipt of payment for a debt with XXXX XXXX. They keep sending me a receipt saying that " in the event that your funds are returned unpaid by the bank, this letter will be null and void. '' I need a letter indicating that the debt was settled and that they have received their funds. These folks were paid over a year ago. 

I called again today and spoke with the same supervisor and she says that this is the letter that is created by them. She could not send me a letter without that statement attached to it. She told me that I was welcomed to file a complaint with your office. 

I have to wonder if they are a legitimate company since my credit report still reflects the accounts as a charge off.
Product: Student loan

Aidvantage was sold my loan by XXXX. They have just recently become the active servicer for my loan and became listed on my credit report and other places as such. On XX/XX/XXXX and XXXX I received notifications to my email from the credit services I subscribe to that my score had dropped XXXX whole points.. I have been working on my credit for a year and this took all of that away..

It seems that Aidvantage placed remarks with all 3 credit bureaus. On XXXX they reported that my loan balance increased by over {$6000.00} and that I had made XXXX on time payments. 
XXXX said that Aidvantage raised my credit limit and that there was an increase in my loan balance and it was now over {$31000.00} None of these remarks are factual, for one the interest rates have been at zero and payments have been and will be on hold until XX/XX/XXXX. I placed several calls to Aidvantage. The first representative told me to hold while she looked into the account and 18 minutes later I got the automated rate your call message.. So I called back this time the representative told me that She can not see anything on my account that would have caused them to report to the credit bureau she also said that they had no phone number for me to talk to the Department that was responsible for this happening but that I could write them a letter and proceeded to give me an address to do so.. Aidvantage has completely ruined my credit and my chances at getting a house and the only thing they can say is write a letter?! I am not sure why XXXX chose to sell to these people but they are awful and they do not care to fix what they messed up. In XXXX I received a 100 % loan forgiveness notification as well for these same loans that they are reporting to the credit bureaus and when I asked the representative about that she said she does not see it has been reported to them. Which I did reach out to student.gov who verified the forgiveness was approved and to give it a little more time and check back again which I plan to continue to do. If this company knew they could not handle the magnitude of new accounts that would be coming to them from XXXX they should have never signed on to do so.. You can not just inaccurately report on peoples credit and then do nothing to correct it.. This is unacceptable.
Product: Checking or savings account

Unable to access my funds in account, can't ACH in or out, can't add external account, can't deposit check, impossible to find account information, never been provided Debit card to use
Product: Debt collection

I dispute this debt because it is a charge for services that were not provided according to my contract with the company. I had technical problems with my XXXX cell phone/internet service. I reported these to the technical department within the 30 day time period for free cancellation. The process of attempting to solve the issues went beyond the 30 day period, but did not solve the problem. So I cancelled my contract. Because I gave notice of technical problems before the 30 day period expired, and they were not able to be resolved by the XXXX technical support staff, then in effect I had cancelled my contract at the time I first called for support. Nevertheless XXXX wants payment, even though they could not solve the problems.
Product: Credit card or prepaid card

On XXXX XXXX, 2021 at XXXX I contacted the XXXX XXXX/Vanilla company via phone as I was receiving an error message in XXXX XXXX and XXXX when I tried to use a {$50.00} gift card we received for my son 's birthday. I spoke with XXXX and provided her with my address, name, date of birth, email address and the gift card numbers/information. XXXX stated the card was compromised and opened a case - # XXXX. She indicated I would need to email a photo - front and back of my driver 's license. I explained my concern in doing that due to identify theft. On XX/XX/XXXX, I sent an email follow up and the company stated that I hadn't sent in documents for my case. I replied and asked what documentation they needed and why they needed it. They replied stating they needed a copy of my driver 's license and a copy of the receipt. When I again asked why they needed the driver 's license, they responded on XX/XX/XXXX stating it was part of their 3-step verification process. They also requested a photo of the front and back of the gift card, which I promptly provided. I also explained that the gift card was in fact a gift and I do not have a receipt. They indicated that if I know the store where it was purchased, I do not, I could go to the store and request an electronic journal. I sent a follow up email to confirm that without the receipt, will the company replace the gift card and they have not responded. I understand gift card fraud is an issue. However, I have provided photos of the card, I have provided all of my personal information. While extremely hesitant, if you advise it's not an issue, I will provide a photo copy of my driver 's license. However, I do not have the receipt as it was a gift and I do not know the store where the item was purchased. The company is making it extremely difficult to use a gift card that I was provided as a gift.
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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a bill thats is 12 years old now ERC COLLITION AGENTS THEY REPORT IT AS A NEW BILL I HAVE THEM REMOVED THREE TIMES AFTER A COUPLE OF MONTHS THEY REPORT IT AS NEW AGAIN THE TIME HAS RAN OUT ON THIS WHY DO THEY DO THIS