23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent over my initial dispute in XX/XX/2021 second dispute sent, XXXX of XXXX by certfied mail. ( i have receipts ) XXXX removed the fradulent debt. Then veros credit reported it back to XXXX along with XXXX and XXXX with no notice from either credit bureaurs of it being added back to all three of my credit reports. Which i know this is called reinsertion, and it is a violation of the Fair Credit Reporting Act. XX/XX/XXXX i resent a dispute informing them of my identity being stolen for many different accounts reported to my credit file. I attached a police report, with my Social security card and the dispute. Veros credit responded by no validation of debt, on how the debt belonged to me. They requested for me to send a police report, in which i had already attached with the letter in XXXX, my Id and Social. So i am reporting them for violating us title 15 1692g.1692e plus my consumer rights and ackowledgement of the identity theft reports already sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX Account number: XXXXCredit Card Issuer:XXXXXXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX and XXXX  are XXXX  in the borrowing institution. The information from XXXX XXXX  never appeared on my credit report until the account XXXX was reported as a fraudulent account from XXXX There i request that XXXX and Trans Union remove the account from my credit report as this matter was removed under XXXX. These are both under the same institution of borrowers. I have documents from XXXX which provides a accurate credit report under the FCRA. 15 USC 1681ei protect my consumers rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. XXXX ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$320.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXX : {$390.00} ; XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Product: Credit reporting or other personal consumer reports

I request the removal of the inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for {$10000.00}, from my credit report. This error damages my credit and is defamation to character under FCRA. Please investigate and remove this error promptly.
Product: Checking or savings account

Navy Federal credit union charged me for over draft fees during XXXX. I would like to file a claim against this financial institution on my behalf. They closed my account due being a high risk after I stated was looking further into these fees. I was also a victim of identity theft and information was leaked through data breaches.
Product: Money transfer, virtual currency, or money service

I have a checking and saving account with XXXX XXXX XXXX XXXX. I cashed five personal checks at XXXX located at XXXX XXXX XXXX XXXX XXXX, Florida XXXX. The were returned by XXXX XXXX XXXX XXXX. Therefore, I was charged five returned fees in the amount of {$120.00} ( {$25.00} for each returned check ) and five insufficient fees of {$30.00} for each returned check by XXXX XXXX XXXX XXXX ( {$150.00} ). In the month of XXXX, 2022 ; the five checks in the amount of {$390.00} ( checks amount {$78.00} each ) and five returned fees in the amount of {$120.00} were paid. Also, five insufficient fees of {$30.00} for each returned check ( {$150.00} ) were withdrawn from my checking account by XXXX XXXX XXXX XXXX. However, On XX/XX/2022, five returned check fees of {$25.00} in the amount of {$120.00} from XXXX XXXX were charged to my checking account and insufficient fees of {$30.00} were withdrawn from my account by XXXX XXXX XXXX XXXX. I requested a refund from both companies, XXXX XXXX and XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX XXXX XXXX refused to give a refund. My checking account number is XXXX. XXXX XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Inaccurate Business AccounXXXX XXXX XXXX ( Account No. XXXX ) Dear Sir/Madam, I am writing to dispute the inclusion of the following account on my credit report, which is inaccurately reported and causing significant harm to my creditworthiness. 

Account Details : Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$42000.00} past due as of XX/XX/XXXX Balance : {$42000.00} ( Balance updated XX/XX/XXXX ) Basis for Dispute : This account is completely erroneous. I have never opened a business, formed a business entity, nor taken any business loan. The reporting of this business account is not only incorrect but is also causing damage to my personal credit. The Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) protect consumers from incorrect reporting, and this situation clearly violates those protections. 

Legal Violations : FCRA Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. This account has no basis in fact and is a clear violation of this statute. Failing to maintain accurate information is a violation of my rights under the FCRA.

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires the removal or correction of inaccurate information after a proper investigation. I am asserting my right to have this fraudulent account removed within the legal time frame.

TILA Violation : Under 15 U.S.C. 1640, any creditor must ensure that any reporting to credit bureaus is accurate and reflects actual transactions made by the consumer. As this is a business account I never applied for, this reporting breaches the TILA 's transparency requirements. 

Immediate Action Required : I demand that you : Remove the XXXX XXXX account ( Account No. XXXX ) from my credit report within seven ( 7 ) days of receiving this letter.

Provide written confirmation that this account has been permanently deleted and will not be re-reported without thorough and verifiable evidence of its legitimacy. 
If this account is not removed promptly, I will explore all available legal remedies, including seeking damages for violations of my rights under the FCRA and TILA. 

Please treat this as a formal dispute under the FCRA, and ensure that the account is removed without delay.
Product: Payday loan, title loan, or personal loan

A full payment was made but I only wanted the regular monthly payment! I called and said I could not afford that! They refused to reverse the debit payment! So I called my bank and opened a dispute then they credited the money and only took the monthly payment out to them! Then I just received a letter I lost the dispute and it will be pulled back out on XX/XX/XXXX!
Product: Student loan

I am currently unemployed because the college where I taught full-time closed it 's doors! Before this time, the Federal Loan servicing company consolidated my loans, rehabilitated my loans, and removed me from the offset list. However, before such time, I paid my student loans back in XXXX ways while I was in default. The first way that I paid back my loans was through an agreement with the XXXX XXXX XXXX who was a vendor/collector for the XXXX. I agreed for them to withdraw {$170.00} per month from my checking account for at least XXXX years. In addition, the offset list was intercepting my tax returns for about XXXX more years and applying those monies towards my defaulted student loan debts. The problem with that reality is the Federal Loan Servicing corporation have not credited my student loan account for what amounts to XXXX of thousands of dollars that I paid. I want for every payment to be credited to my student loan account, and for my payments to be reduced due to my current financial hardship. I need to be able to pay back my loans based upon my current income, as I want to remain in good standing but I also want to be given credit for the monies that I have already paid and what already was applied to my student loans through tax offsets.
Product: Checking or savings account

Called at XXXX waited almost 30 minutes to speak with a XXXX She told me it would take over 10 ' minutes to connect to a team to get the information about my promotion on checking and when it would credit. After the account was fully verified she said she couldn't see who I spoke with last. 

I asked for her supervisor and that person got on the phone I believe he said his name was XXXX. Right after he gave me his name he pushed the mute button basically never said anything else and then hung up the phone 5-6 minutes later. 

After waiting 30 minutes and being hung up 3 times after the Citibank complaint department lady XXXX calls me back and transfers me to the wrong department for credit card promotions.. 
I honestly can't understand how they could mess things up this bad
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is Equifax. on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.
Product: Student loan

ada.gov Americans with Disabilities Act Discrimination Complaint Form Please retain and refer to the following reference number for any correspondence concerning this complaint : XXXX Message by You : Describe the acts of discrimination * : AES supervisor XXXX XXXX says that they do not have to follow federal XXXX laws because " XXXX does not follow federal laws because it is a private loan ''. XXXX XXXX XXXX refused to escalate this issue to the new CEO. I told him that I am reporting him on this website. I wish to press charges., Thursday, XX/XX/2018, XXXX XXXX   Describe the acts of discrimination * : AES supervisor XXXX XXXX says that they do not have to follow federal XXXX laws because " XXXX does not follow federal laws because it is a private loan ''. XXXX XXXX XXXX refused to escalate this issue to the new CEO. I told him that I am reporting him on this website. I wish to press charges. 
XX/XX/XXXX, XXXX XXXX  Message by You : The acts of discrimination are that AES and XXXX to not follow federal XXXX LAWS! That is why I reported you to the ADA. Next Mr. XXXX, you told me and my mother that this loan would default and go back to XXXX after 120 days. AES is still ROBODIALING my mother which is also illegal according to my attorney. Did you lie to my mother?, Tuesday, XX/XX/2018, XXXX XXXX The acts of discrimination are that AES and XXXX to not follow federal XXXX LAWS! That is why I reported you to the ADA. Next Mr. XXXX, you told me and my mother that this loan would default and go back to XXXX after 120 days. AES is still ROBODIALING my mother which is also illegal according to my attorney. Did you lie to my mother? 

AMERICAN EDUCATION SERVICES Account Name XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Im filing this complaint because Equifax has caused me XXXX XXXX and XXXX. Moving forward, I will be seeking litigation for defamation of character of reported false items. Im trying to handle this matter now. Im depressed and saddened, I Demand that they be deleted ASAP or I will proceed with a civil suit for is damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. Ive been a victim of identity theft an account was opened in my name by XXXX XXXX. I submitted disputes In XXXX, XXXX And XXXX & I have been ignored every time. The account has been removed from XXXX on XX/XX/2022 and XXXX on XX/XX/2022. Admission is deletion especially if the other credit bureaus have remove this account from my credit report. I have provided all of the documentation to them such as an Identity theft report, copy of my ID and police report. Equifax has failed numerous of times in helping me get this matter remove. Under law 15 USC 1681 in 15 CSC 6992G, I have rights as a consumer where it protect me. I spoke to a specialist in the fraud department by the name of XXXX and she stated that the file was received but never process. This is totally unacceptable, I refused to continued to be treated in this manner. I never open an account or seek medical treatment with that company. I'm demanding help today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance : {$26.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242, while commuting securities fraud. 

Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACT : 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

FACT : 15 USC 1681 c. ( 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 crime which antedates the report by more than seven years FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( See Attachments ) Loan Debt XXXX : XXXX Equifax : XXXX XXXX : XXXX Total debt 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 months FACT : ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.

FACT : 31 U.S. Code 3123 - Payment of obligations and interest on the public debt FACT : According to Federal Reserve Act Section 16 ( 1. ) Issuance of Federal Reserve notes ; nature of obligation ; where redeemable The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues.

FACT : ( 2. ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

Therefore you should know The original application was used as collateral security and should have been credited to my consumers extended open ended credit account FACT : 15 U.S.C. 1693-1693r : The Act requires financial institutions to adopt certain practices respecting such matters as transaction accounting, and error resolution, requires financial institutions and others to have certain procedures for preauthorized transfers, and sets liability limits for losses caused by unauthorized transfers.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I submitted paperwork according to the FCRA and submitted it to the credit agencies. I have also asked for copies of the verification process and not gotten them. 

These are the accounts : XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/ a letter was sent to transunion to understand why i had inquiries on my account that i never authorized. They have yet to resposnd to my request. I wish to have this matter resolved as soon as possible
Product: Checking or savings account

On XX/XX/2022, I received a phone call from the official Citibank Customer Service phone number ( the same number on the back of my debit card ). The person on the line stated he was a Citibank employee named XXXX XXXX. He told me that Citi noticed fraudulent activity on my account happening in Florida ( where I used to live ). 

He proceeded to ask me questions that Citi would typically ask such as the last 4 digits of my social, my address, and later on in the call, the first 5 digits of my SSN. Although I never gave him my banking login information, he was able to get into my account with the little information he had. He mentioned that he had the names of the scammers that got into my account and asked if I wanted to press charges with the help of Citis legal department. By this point, while I was still confused by what was really going on, I was more worried about these imaginary scammers and wanted to resolve the issue. I told him yes I would like to proceed with charges and then he reconnected the phone call through a different phone number from a XXXX, Texas area code. 

The person I was on the phone with went through my bank statement transactions as if to search for more suspicious behavior he started reading out past XXXX payments that Ive authorized previously. He read off a few past XXXX payments that are monthly recurring transactions. Specifically ones that were sent to XXXX XXXX XXXX, a trusted contact in my phone. While he was going through my account I went to the Citi banking app on my phone and noticed nearly half my money was gone. I asked him what was going on but he gave me an answer that didn't really make sense. He then asked me to verify the contact of XXXX XXXX by sending a verification code to his phone number and told me to read it off to him. 

With whatever hacking technology this scammer has, he was able to use my friend 's name as the receiver of this money but changed where the money was actually being sent to. XXXX gave me a notification that the money was actually being redirected to a XXXX XXXX. I do not know this person and I am assuming this is a fake name. 

There were a total of 4 transactions. One of {$10.00}, {$4500.00}, {$2500.00}, and {$1900.00} equalling a total of {$8900.00} that he claimed I was getting my refund of from the money that disappeared. In order to send off that much money, HE created 2 new checking accounts under my profile so that I would keep sending money without a limit. 

Ive been received countless letters of denial for my claim and appeals from Citi. The scammer was able to go incognito by covering his own name and using the name of someone I trust in order to trick me into sending my money to get my refund. I want to also reiterate that this person impersonated a Citibank employee and called me from the Citi Customer Service number ( XXXX ).
Product: Debt collection

I just recently started monitoring my credit when I noticed tha t Portfolio Recovery is   on my report several times. I had no knowledge of any of these debts, nor did I receive anything from them in writing until after I disputed with the credit bureaus and asked them to send me the documentation that validates this debt. Neither the bureaus or the collection agency have validated these debts ; however, they refused to remove them. They have  XXXX  different accounts on my report that they have failed to validate.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

Personal information compromised during XXXX data breach. Unauthorized inquiries and inaccurate information reported.