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

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$370.00}.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX XXXX XXXX XXXX Account Number : XXXX {$190000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$37000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$300.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1900.00} XX/XX/XXXX XXXX Account Number : XXXX {$680.00} XX/XX/XXXX TRANSUNION : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$37000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$300.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX TBOM/MILSTNE Account Number : XXXX {$680.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX FCU Account Number : XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I applied for a Chase Sapphire credit card that advertised an intro offer of {$0.00} for the first year. On receiving the card they charged me {$95.00}. When I contacted them, they told me that in that small window of me applying for the card the terms had changed. Even though the offer still shows on my acct and has been there for many months ( it shows even today ), they will not remove the charge, nor would they transfer my call to past second level to discuss.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Source Receivables Management due to their failure to respond to my valid request for verification and validation of a debt they are reporting on my credit report. Specifically, I have attempted multiple times to contact them to verify the details of the alleged debt and have not received any response or documentation to substantiate the debt they claim I owe. I do not and have not ever done business with this company or the original creditor they are reporting. 

Despite my efforts to communicate with them in a timely manner, I have been left without the required documentation, which is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, I am entitled to request proper validation of any debt being reported on my credit report, and the reporting entity must provide documentation or proof that I owe the debt in question. 

To date, I have sent written requests for debt validation and have provided reasonable time for Source Receivables Management to respond. However, I have not received any communication from them, nor have they provided any evidence or verification that substantiates their claims. This lack of response not only leaves me uncertain about the legitimacy of the debt but also harms my credit standing. 

Because of Source Receivables Management 's failure to provide a timely response and to properly validate the debt they are reporting, I am now seeking resolution through this complaint. I request that they provide the required documentation or remove the incorrect and unverifiable information from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Act Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 section 602A states, have rights to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions pf crimes which antedates the report by more than seven years, 15 U.S.C 1681s 2 ( A ) ( 2 ) 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, credit repair services, or other personal consumer reports

I have a concern reguarding Equifax only at this point?. Last year I was given a 12 month relief from making any payments at all based on the fact i was in a Federal disaster area during XXXX XXXX. Because of the XXXX and losing my home I am now in a XXXX  situation. I applied for and was granted in XX/XX/2018 a 12 month Forbarence on my student loans. I noticed today that Equifax and only them so far dropped my FICO score 67 points because of the 12 month Forbarence statement from XXXX which has my loans. From what ive read, i should not see a major decline if any at all on my credit score because of this? As of this past friday i finally recieved a very nice Job offer from XXXX XXXX ( XXXX XXXX XXXX ), which will be doing a background and credit check to complete my hiring. I am now afraid i will lose this great paying job because of my extremely low FICO score. Without this good paying job and full benefits for my family we will continue to struggle to get off of the streets? Is this something that is legal for them to decrease my score 67 points? When what i thought I was doing, was a responsible act with my creditor? I do not have any missed or late payments on my student loans at all and am in good standings according to Equifax? However i am being penalized because of this situation, which started with a Natural Disaster?
Product: Debt collection

On XX/XX/2019 I got a phone call from a debt collection company called affiliate solutions past XXXX and told them to never contact me again. They said they will continue to make an attempt to try and collect on a debt that I know nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted the following complaint to Experian : I had a credit card account with XXXX XXXX XXXX Bank. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXXXXXX XXXX. The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. The items I cite as being violations of the FCRA are -posting the high balance ( XXXX ), which is higher than the collections representative had me pay ( XXXX ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion. I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports. 

On XX/XX/XXXX, I checked my Experian credit report to find that Experian completed the dispute, incorrectly updated the charge-off dates, and completely removed the 'CLS ' code, showing that the account was closed. Not only did they completely ignore the above information, which has violated several FCRA statutes, they have added even more incorrect information to the account. I have attached the screenshots showing the 'before ' and 'after ' of the account, which shows how they incorrectly updated the charge-off dates AND removed the 'CLS ' code. I have also attached the four screenshots which were attached to the previous complaint.
Product: Credit card or prepaid card

I applied for a Citi Diamond Preferred Card in order to use a transfer balance offer they had XX/XX/2021 it was approved and I applied to do a balance transfer online. It was my intent to transfer money to my XXXX XXXX XXXX XXXX Mastercard in the amount of XXXX. 

XX/XX/2021 I received an e mail stating my balance was available online, and it looked like the balance transfer went through. I checked my XXXXr account and I did not receive the funds in any of my accounts, and called them to confirm they had not rejected any payments, and they had not. 

I have called Citi Bank to find out where the funds went and they stated to a company by the name of " XXXX XXXX XXXX ''. I do not have an account there and don't know how my funds were sent there. Citi was made aware of this and started an investigation which produced no results, and basically told me to call XXXX XXXX myself to get my funds. I refused to do so because I don't have an account with them and should not have to fix their mistake. On XX/XX/21 I was then told by XXXX agent ID XXXX that Citi provided my bank account information to XXXX  XXXX along with a letter stating the funds were sent in error. I did not provide authorization for my personal bank information to be sent to another company who I don't do business with. They said the plan was for XXXX XXXXXXXX to transfer the funds to me this way. I stated I no longer wanted to balance transfer funds and wanted my account closed because this is fraudulent. I was then told the company " XXXX  XXXX '' was affiliated with XXXX XXXX XXXX XXXX in some way and to call XXXX XXXX XXXX XXXX to see what they could do. When I did this on XX/XX/21 they stated the money was not transferred to any of my accounts and suggested I call Citi back to resolve the issue with them. I have no idea what is going on but it feels like someone stole my money and is trying to charge me for it or blame me for their mistake. I emailed XXXX XXXX information sent to me about the transfer in hope they could help resolve this, but I have not heard back yet. I have been on hold for hours trying to resolve this and it feels like it is going nowhere. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a letter from the US Court of Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I decided to apply for a new Chase freedom card. During the application process Chase adds an unusual step asking if the applicant wants to transfer balances. I thought it was part of the credit history full disclosure application process. I added my other CC balances to the application. I later got on the phone to discuss opening my account and the Chase representative proceeded to tell me that I needed to reduce my credit limits on my other Chase cards if I wanted to open this card. Not even once did we discuss transferring balances. On XX/XX/XXXX I got an email from XXXX telling me that I had been charged close to {$600.00} in fees on my chase credit card. I logged in to find out that Chase had gone ahead with the balance transfers without consulting me. I called the representatives and asked why they had gone through with the balance transfers without my approval. Their answer was that during the application process I had requested the balance transfers and that was enough. I replied that if I had known about the high fees I would have never gone forward with the balance transfers. Chase told me that the fees are disclosed online and that I clicked the " agree to terms and conditions '' which I never knew included the fees. The process is so misleading that I had already paid down my credit card balances when Chase started the process of transferring the balances. Now I have credit cards with positive balances at a cost of {$600.00} that I never agreed to. I called Chase to tell them to undo the balance transfers and they told me that there was nothing they could do, even thought the transfers did not even appear on my other credit cards. A credit card application process should never include a misleading step like the one that Chase has on his application. Balance transfers or anything else for what a bank wants to charge an astronomical fee should be explained to the customer NOT hidden in terms and conditions that are not even upfront and center.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, ONLINE
Product: Credit reporting or other personal consumer reports

I subscribe to the XXXX XXXX XXXX advertised and the system does not work. I pay my utilities on a weekly basis yet the system system no payments found. Today I checked again. The accounts under XXXX XXXX show the item BUT does not update my account or XXXX. I have removed the accounts and added them back to the credit report, this still does not update or XXXX the credit. I also have checked other reporting agencies and they all have a much higher score also shows my XXXX loans are paid off. Experian is the only credit reporting agency that does not update my credit to show the most accurate information for payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that the 3 major credit reporting agencies are reporting has no factual relevance to me or my credit files. These accounts are fraudulent and has been mis reported on my file every since my identity has been compromised. I'm demanding that these accounts be removed immediately from my files. 

1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed and account that was not reporting accurately. I had XXXX late payments that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXXXXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX I XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card

XX/XX/XXXX Google charge on my account that posted on XX/XX/XXXX XX/XX/XXXX -filed original dispute with XXXX XXXX XXXXXXXX for a XXXX Google charge XX/XX/XXXX XXXX XXXX XXXXXXXX denies claim advises to go to merchant XX/XX/XXXX Complaint filed with Google and denied, they will submit no proof of purchase Summary of your claim Claim ID : XXXX Date submitted : XX/XX/XXXX Status : Completed We sent notification of the results to XXXX. 
Your unauthorized purchases Purchase date Description Amount Amount refunded XX/XX/XXXX User-provided date and amount {$440.00} {$0.00}
Product: Debt collection

I have been repairing my for the last month so Im constantly watching my credit report and today XX/XX/2023 I noticed a XXXX XXXX  drop and a new debt from XXXX XXXX for the amount of {$330.00}. I have never had XXXX XXXX before. So I reached out to the the debt collector to see about this account but they couldnt tell me anything because my name and number didnt match anything they had. So I had called XXXX XXXX  fraud department and he used my social security number and pulled up the account and told me that the account was in XXXX XXXX  and i live in XXXX XXXX  and have been for XXXX  years. So Im taking every step to get this issue resolved the right way. I filed a report with XXXX XXXX and identity theft.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I fell victim to a scam through my university that cost me {$1000.00}. The scam was a job posting email for a remote position, and they told me that I would be provided materials for the job. They communicated with me through a University XXXX XXXX professors official email account and sent me a fraudulent check as reimbursement for the zelle payment that was supposed to be going to a sales rep for my supplies. I filed a police report and a fraud report with the FTC as well as a claim with my bank on XX/XX/XXXX. My bank, Bank of America, denied my claim and told me that they will not help me in any way because I am at fault. I thought they would protect me as a part of Regulation E, but they refused.
Product: Mortgage

Our mortgage was sold to Freedom mortgage soon after we closed. As soon as they got over, all XXXX broke loose : 1. We were told as soon as the mortgage balance dropped below 80 % of original loan, we were going to be able to recast the loan and get rid of the escrow. We called several times. Every time we called, the person at the end of the line was telling us a different story. We have several names of people that we called and we can produce evidence/records of these calls. 
- we sent our request in writing for the above things to happen - we sent the payment in, plus the recast fee ( they actually double charged the recast fee ) - Our loan balance reached below 80 % on XX/XX/XXXX. However, they did not recast our loan until XX/XX/XXXX after calling numerous times. 
- We were told the PMI was going to be removed when the loan ratio dropped below 80 %. Even the end of year documents received show that should have happened AUTOMATICALLY under the Homeowners Protection Act of XX/XX/XXXX, but although the loan ratio is now ~36 % we are still paying escrow and PMI. 
- they paid our property taxes twice, first in amount of {$3000.00} ( which is correct based on the paperwork received from the county ) and another time in amount of {$3100.00}, which there is no evidence of what this amount is. The end of the year document lists this as " XXXX '', however the amount for school was already included in the {$3000.00}. 
We are at the end of our rope. We do n't want to call anymore only to be told that things are going to happen soon ... .but they never will ... Please help