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

As an oversight on my part, I had not paid the full amount of a payment. Normally I pay extra. I was not contacted via mail, email, or phone to let me know that I was in danger of a 30 day late on my credit report. On my statement it said " pay this amount to avoid a late fee '', nowhere on any statement did it say I would be assessed a 30 day on my credit report, as I have not ever missed a payment. This is my 5th lease with Toyota financial and all my loans until now show exceptional on my credit history. I would think that under the Fair Credit Guidelines that a consumer would at least get a courtesy call to remind them of a small outstanding balance. I once had a similar issue with another creditor and they did give a courtesy call and I paid the outstanding balance over the phone. I have never missed an actual payment with Toyota. I do not see it as just that a creditor can assess a consumer with a 30 day late payment when no payment has been missed.
Product: Debt collection

Transworld sys INCXXXX is reporting a debt on my credit report as a medical debt owed to them. I have never done any business with Transworld sys inc. I would like this removed from my credit report. Reporting medical information on my report violates my right to privacy.
Product: Checking or savings account

For the past two weeks, Ive been depositing {$60.00} into the account. Twice, theyre saying that my accounts been flagged for suspicious activity but its been since the account was made. They tell me to wait it out, but its been two weeks and I want access to my money. I have {$120.00} sitting in the bank. Deposited {$60.00} each ( sept. XXXX and XXXX ). Venmo, the XXXX XXXX XXXX, says they have to follow rules and theres nothing they can do and to wait a few hours after its been weeks.
Product: Mortgage

I closed on my loan on XX/XX/2023. With Highlands Residential Mortgage, my first payment was made in XXXX via cashier check to Highlands Mortgage, as advised by the loan XXXX, XXXX XXXX I received a letter of transfer to a new servicer in XXXX stating that the loan had been transferred to XXXXXXXX XXXX. The payment in XXXX was made to XXXX. In XXXX, I received a letter again stating that the loan had been transferred to XXXX, but in a weird format because it was from HIGHLANDS to HIGHLANDS but with a different loan number. I communicated this with XXXX, my loan XXXX, and she acknowledged that they now have my loan back. So, my XXXX payment should be paid to " XXXX ''. I set up auto-pay, but I saw that the money hadn't been taken out of my account. I couldn't make a one-time payment because it indicated that I still had a XXXX payment due. The issue has remained unresolved despite multiple calls and visits to the XXXX office. I want to know why XXXX is not accounting for the payment I made in XXXX through a cashier 's check.
Product: Credit card

On XX/XX/XXXX, Bank of America ( XXXX ) called me at XXXX XXXX  at ( XXXX ) telling me that a large transaction in excess of {$2000.00} took place on my Bank of America credit card. I told them that I did not have any credit from Bank of America. They told me that they sent my credit card to West Virginia on XXXX XX/XX/XXXX. I told them that I lived in Texas and I have never been to West Virginia. I had to prepare lunch for my mother at the time, so I hanged up. In the afternoon at about XXXX XXXX, I went to Bank of American on XXXX XXXX XXXX XXXX, XXXX XXXX and confirmed with the agent and her manager that I did not have any credit card opened under my name. The agent asked me if I revealed any personal information to the caller. I told her that I did not. I was surprised that Bank of America ( XXXX ) called me again at XXXX XXXX. I told the caller that I have already checked with Bank of America and hanged up. Later I also checked with the XXXX credit bureaus ( XXXX, XXXX and XXXX ) that I do not have any credit card opened under Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax regarding several inquires on my credit report. I notified the Bureau that several of these inquires I did NOT authorize! Instead of them removing them from my file they IGNORED my complaint. As a consumer I deserve a credit report that is 100 % accurate. On my credit report I have notified them about XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX. In the dispute process the Bureau are supposed to verify items that are on my credit report. They have not. I have notified them that I didn't give these people my permission to access my credit report at anytime. However Equifax still has not removed these items from my credit file.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : XXXX- Fraudulent accounts : XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX XXXX Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX Incorrect name : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XXXX XXXX, the company ON LINE INFORMATION SERVICES, contacted me via mail, on this letter, trying to collect {$460.00} dollars. They claim that I have a debt with XXXX XXXX XXXX Open on XXXX XXXX XXXX  and used their services until XXXX XXXX I already make contact with XXXX XXXX and they asked me to provide a POLICE REPOT for identity theft ( I have it already ), the collection agency letter, XXXX XXXX XXXXXXXXXXXX XXXX information such Account umber XXXX Customer Name XXXX XXXX Invoice Date XXXX  Invoice Number XXXX Referral Id XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I have visited Texas about 20 years ago for one week visiting relatives in XXXX, I have not been in XXXX never in my life ; half of my life in XXXX XXXX and 34 years in XXXX XXXX California . and I use to lived 29 years in XXXX XXXX XXXX, XXXX XXXX California but keep it as mailing only for important documents. One of my friends allows to received mail for in-between apartments her address is XXXX XXXX XXXX XXXX XXXX California XXXX XXXX And my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
My cellular number XXXX, I had it for more than 23 years here in XXXX XXXX California. 
I will attach a few of my documents that proof that I was in XXXX XXXX California during the XXXX identity theft ; Phone Bills, rental agreement, my work Id with year dates car insurance and more.
Product: Debt collection

This adverse account listed on my credit report is inaccurate as the account was turned over to collections due to a bookkeeping error. When I was contacted by M LEONARD & ASSOCIATEXXXX regarding this collection account I advised them that the account had been turned over to them in error, because the bill was covered by my sons insurance and had been paid in full. Despite what I told XXXX XXXX he said that I owed the money. I asked XXXX XXXX of M LEONARD & ASSOCIATES to provide me with supporting documentation so that I could look into the matter further. 

After receiving the documents that I requested from M LEONARD & ASSOCIATES, I called them and they advised me that they would hold off on any further collections until XX/XX/XXXX so that I could look into the matter. On XX/XX/XXXX I contacted XXXX XXXX of M LEONARD & ASSOCIATES and advised him that I was still waiting to hear back from bookkeeping regarding the account as the file had been put in storage because the account was from XXXX. During this conversation I was advised by XXXX XXXX of M LEONARD & ASSOCIATES that I needed to pay the outstanding amount while I waited to hear back from bookkeeping or they would report the negative information to my credit report. I made the payment even though I did not own the money so that M LEONARD & ASSOCIATES would not report the negative information to the credit bureaus. After making the payment I was advised by XXXX XXXX of M LEONARD & ASSOCIATES that if there was in fact an error M LEONARD & ASSOCIATES would reimburse me the {$240.00}. 
Despite the promise to not report the information to the credit bureau if I made the payment, M LEONARD & ASSOCIATES still reported the negative information to the credit bureau and it was later discovered that the account was in fact turned over to collections in error. So based on this fact the I asked the debt collector to remove the negative information that they reported to the credit bureau and they refused. 

This is not a valid collection account and therefore should not be listed on my XXXX  credit report. The account was paid in full prior to being turned over to collections. Furthermore the fact that M LEONARD & ASSOCIATES reimbursed me the {$240.00} for the payment that I made, further confirms that the collection account was in fact in error and therefore should not be on my credit report. Lastly, there should be no charge off as the account was paid in full by my sons health insurance and the account did NOT legally belong to M LEONARD & ASSOCIATES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have did a police report XX/XX/XXXX I have called the credit agency XX/XX/XXXX XXXX XX/XX/XXXX XXXX I  have sent certified letter XX/XX/XXXX XX/XX/XXXX The agency have violated my right and will not remove these account of my credit under the fair act reporting. 
The company the are fraudulent are XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I mailed a debt validation letter to Lockhart , Morris & Montgomery , INCXXXX on XX/XX/2021. The company received the letter on XX/XX/2021 and has failed to validate my debt. Instead they sent a list of my medical records on XX/XX/2021, which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

1st account : XXXX XXXX, XXXX ( current creditor ) XXXX  XXXX ( original creditor ) Total Amount Due : {$350.00} 2nd account : XXXX XXXX, XXXX ( current creditor ) XXXX  XXXX ( original creditor ) Total Amount Due : {$320.00}
Product: Credit reporting or other personal consumer reports

15USC 1681 SECTION 602 states I have the right of privacy.

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

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose.

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX
Product: Student loan

Dept of Ed/ Nelnet XXXX amount due {$1800.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

Dept of Ed/Nelnet : amount due {$1000.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

Dept of Ed/Nelnet : amount due {$1500.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

The wrong address was on file. I have not lived there for over 6 years. The wrong phone number was also on file. I have updated all account information so that I receive proper notifications. I am currently on a repayment plan and my next due date is not until XX/XX/2018. I do not have any past due fees reporting on my Nelnet account.
Product: Credit reporting or other personal consumer reports

XXXX, equifax, XXXX all shared my personal information without my consent. They sided with wrongful debt collectors, when i disputed the accuracy of my reports. I have no FFA agreements with either group, and I have been personally harmed because of these false reportings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$110.00} StatusAccount charged off. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1986 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

On XX/XX/year> i made 2 electronic transfers from XXXX XXXX  to XXXX XXXX of {$3000.00} each. As of XXXX the transactions showed posted however they blocked my access from the funds, and they are not reflected in my available balance. I called XXXXXXXX XXXX XXXX and asked why are they holding electronic funds the rep stated that based on their policy they can hold electronic funds for 2-4 business days excluding weekends so my funds will not be available until XXXX. I asked the rep if she knows this is a violation of Reg E she proceded to tell me that is their rule, I advised her that their rules don't override the law. She kept repeating and refused to make my funds available.
Product: Credit reporting

My complaint goes back to XXXX XXXX with XXXX XXXX of XXXX XXXX, I was advised that the information needed to be filed with the corporate office. When I sent the information in to corporate they advised me that they could n't find me in the achieve file and that I would have needed to contact the place where the transaction happen. Once I did that I did n't get anywhere with the general manager who stated that since the other person know longer worked there he could n't really help me and the inquiry should be falling off in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I XXXX XXXX XXXX submitted a dispute via certified mail I have also filled a civil suit against Experian for violating my consumer rights & did not remove XXXX XXXX XXXX from my personal credit report in the amount of XXXX according to section 605b of the fair credit reporting act that account is supposed to be removed wit in XXXX business days Experian have violated my consumer rights I am a victim of identity theft & XXXX XXXX XXXX should be removed as soon as possible
Product: Money transfer, virtual currency, or money service

I received a message from Venmo stating that " my account statement is now available ''. 
I contacted Venmo and asked them to delete the account supposedly held in my name, supposedly held by me, that I never opened. 
They are stating that they will not close the said account until I provide them with more information. It is stunningly bizarre that a company would request MORE information from me before closing an account with my name and information on it. They are stating that they are doing this to " prevent fraud ''. 
Well obviously they are already failing at the " prevention of fraud ', so why would I possibly give them more information .... so that it can become compromised too? They apparently have information on me from somewhere, that they didn't receive from me, so if I give them MORE information, will they allow this information to be compromised as well?
Product: Bank account or service

Please do n't call me regarding this complaint. I want a written explanation for the following question for legal purpose. I am not expecting any promotion from BOAHere is the question******* Beginning of question *********Why BOA did n't inform/disclose me that I am not eligible for promotion before I open my account and why they did n't open the right account knowing my intention is to get the promotion? 
XXXX End of question **************They tricked me to open an account and later told me I am not eligible for promotion. 

XXXX XXXX XXXX BOA XXXX or XXXX XXXX please do n't contact me instead answer my question in writing and please do n't talk about promotion eligibility as you have already explained that many times. I am not looking for any promotion. 
Our BOA Business Checking account # is XXXX
Product: Debt collection

Phoenix Financial Services, LLC continues to report XXXX that was paid by my insurance company as money that I still owe and they are reporting this as unpaid on my credit report. This bill was never my responsibility and was always covered under my health insurance plan. XXXX contacted this company in XX/XX/XXXX with me on the line and told them that this bill was paid and was the responsibility of XXXX. They said sorry for the error and they would remove this. It is now XX/XX/XXXX and it is still being reported on my credit report. I contacted all XXXX credit reporting agencies and disputed this error and it continues to remain on my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Bank of America {$330.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$520.00} XXXX {$7400.00} XXXX has removed all these items and updated XXXX today! 
I dont understand whats the problem with the other bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XX/XX/XXXXboth refuse to remove a bankruptcies that they claimed were verified through a 3rd party, XXXX. Since then, the bankruptcy has been removed from XXXX, admitting lack of verification on their end. Also, reports have been frozen in order to protect my scores during the repair process. They refuse to remove the bankruptcies and have failed to verify the exact process for their verification. XX/XX/XXXX removed the bankruptcies after the first round of disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had nothing with capital one, an I have never been near XXXX XXXX XXXX. I do not understand how this is on my report when i have not even applied for anything through capital one! XX/XX/2018
Product: Credit card or prepaid card

Hello my name is XXXX XXXX and my ex husband was receiving my unemployment benefits since XXXX and Im trying to get what I am owed. They told me to put up a couples of pictures to verify some things. Its for the XXXX card. He received everything and I didnt I have proof.
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 
LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX  - XXXX {$390.00} XXXX XXXX XXXX XXXX {$580.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1500.00}