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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Dispute : Inaccurate Date of Last Activity and Account Balance To Whom It May Concern, I am writing to formally dispute the inaccuracies regarding my credit account XXXX  XXXX ( Account XXXX as reported on my credit report. Specifically, I am challenging the reported date of last activity and the balance owed, both of which show a significant incongruity that must be resolved immediately. 
Specifically, I have observed the following inconsistencies : - XXXX XXXX XXXX Reports no date of last activity or balance owed. 
- **XXXX  : ** Reports the date of last activity as XX/XX/XXXX and a balanced owed of {$910.00}. 
- **TransUnion : ** Reports the date of last activity as XX/XX/XXXX and a balance owed of {$930.00}. 
- **XXXX  : ** Reports the account as OPEN - **TransUnion : ** Reports the account as DEROGATORY I calculate 4 inaccuracies currently. {$1000.00} per violation We are expecting a check mailed to us in the amount of {$4000.00}. 

The date of last activity reported is inconsistent with my records and does not accurately reflect the actual transactions associated with this account. Furthermore, the balance owed is not only incorrect but also misleading. Such discrepancies reflect a failure to maintain accurate and reliable information, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

I demand that you conduct a thorough investigation of this matter and provide the following : 1. A detailed explanation of the reported date of last activity.

2. Verification of the current balance and a breakdown of how this figure was calculated.

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Your immediate attention to correcting these inaccuracies is not only expected but required. I will be monitoring your response closely and will take further action if necessary. 



Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/19, I noticed two transactions I did not authorized in total amount of {$720.00}. I was checking my transaction history on the website and noticed these charges. I immediately called the company. It was very difficult trying to get a live representative on the line. I made my dispute with the card company and told them that i didnt know where the card was at. I do not carry the card with me all the time as it is a child support card that child support is loaded onto. I was driving at the time of the call and wanted to make sure the card was not at my home. I was unsure if I had lost it, or misplaced it. I dont use the card often and didnt want to make a mistake. My main concern was that I just had {$700.00} stolen and charged to my account. I saved that money for my daughter. I am requested that someone look into this situation and maybe come to a resolution. I did not authorized those transactions. I am no longer able to access the website transaction history as well. Hopefully, California XXXX and Mastercard can make this right. 

Sincerely, XXXX XXXX XXXX Cell
Product: Student loan

In XX/XX/XXXX, I called Nelnet to determine what I needed to do to make my student loans direct to qualify for the XXXX relief plan. During the call I was informed my loans were already consolidated and no further action would be needed to qualify as direct loans. 
Today, I learned that was incorrect and the information should have informed me to apply for my loans to be converted to direct as I was inquiring about. 
The deadline for this type of application was expired on XX/XX/XXXX. 
Realistically, I face an enormous uphill challenge to prove to the XXXX of XXXX that I was incorrectly advised and to allow an exception to my loan conversation to still qualify. 
I have no mechanism to hold Nelnet responsible, which will cost me thousands.
Product: Bank account or service

Monthly maintenance fees are excessive for type of account. The Health Savings Account managed by Bank of America charges {$3.00} per month for our plan and up to {$4.00} per month non employer sponsored plans. There are few transactions processed and the balances in the accounts may be very low.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2018 received letter from Citibank with credit card also separate envelope with pin number Letter states I requested Citibank to open an account. I DID NOT. Immediately called, took over XXXX minutes to reach a live person. Told to call back on Monday, on Monday was referred to identity theft agency, they referred me here
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Collection Agencys Name and Address TRUIST BANK RE : Account Number Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. The company charged off account without ever sending 1099c forms or any documentation Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act.

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.

Sincerely,
Product: Debt collection

Overton Russell & Doerr collection agency is not bonded in the state of Texas. Overton Russell & Doerr ca n't legally co llect any debt. Please remove from my credit report and confirm that the debt is not owed.
Product: Credit reporting

The account XXXX credit card listed as a charge off in collection status has not changed in 60 days. I have wrote and called equifax and all they do is write paid in the comments. The payment status of the account should say paid was charge off. 
The company ' has sent the correct information to the equifax and still they have not updated the payment status to reflect it as. A paid was charge off status. 
I am in the process of mortgage and have explained this to equifax with no luck Also the company capital accounts for pet vet has asked equifax to delete the account pet vet from its records off my file and they have not done this.
Product: Checking or savings account

I have a checking account with Truist bank. I opted out of overdraft fees, but the say they can still charge them at their discretion. They charged overdraft on XXXX {$5.00} savings account transfers despite me having a pending deposit of {$150.00}. Not the first time they have stolen money or " forgot '' to deposit money on time in order to charge fees.
Product: Credit card or prepaid card

I am a victim of Binary options Fraud in which my credit cards were used to fund a binary options broker so that the broker could use the funds to trade binary options. Two brokers were used : XXXX XXXX and XXXX XXXX XXXX both companies claimed they operated out of the XXXX. The following link is from the FBI explaining how these companies defraud people : https : //www.fbi.govXXXX The following link from the CFTC have put these companies on a red list flagging them for fraud. XXXX XXXX XXXX will be put on the list after the procedure is completed. 
http : //www.cftc.govXXXX The following are dates and dollar amounts : XXXX Credit Card XXXX XXXX Bank of America XXXX/XXXX/XXXX XXXX 4 transactions of XXXX to " XXXX XXXX XXXX '' totaling XXXX - After I reported the fraud to them they credited the money bank to the card. 
XXXX credit cards ending in XXXX and XXXX by Bank of America  XXXX/XXXX/XXXX card ending in XXXX for 1 transaction of {$2500.00} and card ending in XXXX for 1 transaction of {$2500.00} - After I reported the fraud they returned the money back to the cards. 
XXXX Credit/Debit Card by Bank of America but was used as a credit card not debit. 
XX/XX/XXXX - 1 transaction of {$5000.00} to " Bank of Options '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$3000.00} to " XXXX XXXX XXXX '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$250.00} to " XXXX XXXX XXXX '' Money returned after fraud reported.
XX/XX/XXXX - 1 transaction of {$500.00} to " XXXX XXXX XXXX '' Money returned after fraud reported. 

The following are dates and dollar amounts for the same transactions to the same fraudulent brokers but money not returned. 

XXXX Credit/Debit Card by Bank of America but was used as a credit card not debit. 
XX/XX/XXXX - 1 transaction for {$10000.00} to " XXXX XXXX XXXX '' Money not returned after fraud reported. No difference, same type of transaction to same fraudulent broker. 
XX/XX/XXXX - 1 transaction for {$5000.00} to " XXXX XXXX '' Money not returned after fraud reported. Same type of transaction to same fraudulent broker.
Product: Credit card

Apple routinely charges me interest after I have already submitted my full statement balance because they do not send you your billing statement until after the end of your billing cycle, despite making the statement due date just before the billing statement is sent out to you. It seems as though Apple has structured their payment systems so that you are always late or overdue. For example, I have a recurring billing charge for an XXXX I purchased using their XXXX zero-interest payment option however, that monthly payment doesn't appear as a charge on my billing statement until after that month 's bill is due. This means that at the end of XX/XX/XXXX, my Apple card statement doesn't show my recurring charge but on XX/XX/XXXX it will show, and it will now be recorded as an outstanding balance because it wasn't paid before the end of my billing cycle, which is XX/XX/XXXX. This discrepancy has caused me to owe apple interest fees every single month despite always paying off my full statement balance as shown in their credit card app.
Product: Checking or savings account

Been a member of XXXX XXXX XXXX XXXX for over five years. Notified company my employment came to an end on XX/XX/2019. Company made contact regarding no hassle loan and overdraft on account. Made company aware in the process of fighting employment and unemployment. Company said they will work with me and promise no collection activity.
Product: Debt collection

On XXXX I withdraw XXXX from Synovus bank at the drive through. I went a branch to close out my account after i left the drive through. I received my monies that were in my account in cash when I closed on that day XXXX. The teller at the drive through called me surprisingly since it was after XXXX and asked had I closed my account. I told her that as we had discussed that I was closing it out. She signed, and I received an incoming call I put her on hold. She called me several times afterward. I decided since it was after hours, and I was on the phone, and just had picked up my kids, I would just go in first thing on XXXX. 
The next day XXXX I went to close out my savings account that was attached to the the checking account. I received a call from the branch early that morning, when I went in to talk nothing wasn't mentioned about my account being overdrawn. 
The manager called from XXXX XXXX XXXX XXXX and left a me an threatening message stating that she was going to put a warrant out for my arrest for fraudulent. I immediately called her back, since I was threatened and scared, and confused as to why she left such a message. 
When I got on the phone she immediately begin to accuse, and yell, and interrogate me to being a thief, and a fraud. I was so embarrassed and hurt since this never happened. She again stated if I didn't bring the money down she was going to call the police on me. The best thing she said was that the phone call was being recorded, I was relieved. She continued to disrespect, and try to make me say I was a fraud. I told her I no longer wanted to speak with her, and would like to speak to her boss. She pretended to call, but then got back on insisting to talk with me, and make me say I was fraud.WHen I finally spoke to her boss, he apologized and stated that she wasn't suppose to say what she said about jail to me, without his consent. He also promised to get to the bottom of her behavior, and the situation. 
He called later and stated how he got on to her for talking to me like she did, but stated that, " What she should have told you was that your account was overdrawn ''. 
So I begin to tell him how I went to close out my account, and they never stated that I was overdrawn. So now I was being accused of my account being fraudulent, and overdrawn. In that conversation, ( he called me from his personal number ) I asked him why would someone let me overdraw money that I didn't have. He confessed that it was their fault.
Product: Credit reporting or other personal consumer reports

Experian did not honor the dispute letters that I've been sending since XX/XX/year>. So, I called to ask why because they have continually sent letters stating it wasn't me sending them regardless of it being in my own handwriting. The representative then kept trying to pressure me to start the process over by making a dispute via phone or upload XXXX their website right then instead of honoring the previous requests. My resolution is for them to honor the dispute letters that I have already sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX  and Equifax several times regarding my credit report ( XX/XX/2019 ). I have requested that the following credit reporting agencies remove incorrect information and accounts showing on my credit report. I I have requested that the following accounts be removed immediately due to the information being incorrect and does not belong to me. I have also requested that the agencies provide me with their method of verification and proof of contracts from the following accounts : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$3800.00} ), XXXX XXXX ( {$280.00} ) and XXXX XXXX XXXX ( {$680.00} ). XXXX  and Equifax has failed to provide me with proof of contract and has not removed the following accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, has 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 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
Product: Debt collection

On XX/XX/XXXX, I sent Equifax a statement advising regarding Reinvestigating my complaint regarding account XXXX # : XXXX, I rcvd an updated response advising my consumer file had been updated and verified. This is not validation of debt, I am requesting XXXX provide XXXX Notice for validation of debts. 
1. Validation of debt including the actual accounting 2. Verification of a debt claim against me with a sworn affidavit or signed invoice 3. A Copy of the Contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as I received these documents.

If these documents can not be provided, Immediately remove and send my updated consumer credit file.
Product: Payday loan, title loan, or personal loan

My wife, and I received a loan from Sunset financial, in XXXX, Georgia, in XX/XX/2018. When we got the loan, we asked that my wifes work not be contacted. We were only behind a couple of weeks on our XXXX payment when on XX/XX/XXXX, the manager, Mr. XXXX XXXX, called my wifes work. When the receptionist answered the phone, Me. XXXX, was very loud, rude, and threatening. He told the receptionist, XXXX XXXX, that XXXX, ( my wife ), better call today, or she would have a big problem. This is after XXXX, told him that she was in a meeting and he demanded to speak with her! I called the office and asked Mr. XXXX, not to call and threaten my wife, but he said he will call and do what ever he needs to! That if I didnt get in there that day, that I was going to have a big problem too! 
I called and made a complaint to the companys corporate office. I told them that his bully tactics, and mafia style threats were not very professional. I received a call from the district manager, a Mrs. XXXX XXXX. She proceeded to tell me that this was uncalled for and that she would take care of the problem. 
So, on XX/XX/2018, I went into the store and made a cash payment. After I paid, Mr. XXXX XXXX, stood up and started saying that I was lying and not to come into that store. 
He said We do have a big problem when you dont pay! 
I called Mrs. XXXX XXXX and put it on speaker phone, but she was unavailable. I left a message and told her what was going on. 
I walked out of the store and Mr. XXXX, followed me to my car. I had my XXXX year old daughter in the car and he proceeded to tell me how big of a piece of XXXX I am, because he was a XXXX, and a man shouldnt call in and tell on him. And I should keep my word or Im going to XXXX. He was shaking very badly and I told him to walk back in the store because my daughter was crying. She kept saying whats happening. Why is he yelling? So, I called Mrs. XXXX and left a message with the details.
Product: Debt collection

I get called every other day. They are nasty and rude. They even call family members and people we listed as a reference. I have asked them to stop calling and emailing me and they havent. I emailed them twice telling them to stop and to send everything through usps mail.
Product: Credit reporting

I wrote the  XXXX   XXXX   XXXX   XXXX  times sending them  3  forms of ID that no bank will Verify me two open a new account and the Credit Burrow docent respond or sends a Credit Report so fore about a Year and half i have not been able two Open a New Bank account all respond wee cant verify you.     Now I cant get a new credit card or bank account because there is and extended  Alert in my banking file and Im supposed two call some Number and call the Bank.    I have written all  XXXX   XXXX   XXXX  two remove the Hold on my account so i can Get a  New  Bank account.     The Federal Government determined me  XXXX  and my Mom Walked into  XXXX   XXXX  bank forged my Signature and stole  XXXX  dollars from me.     Then i had  XXXX  dollars in Fraud and closed two   XXXX   XXXX   XXXX     Accounts   XXXX   XXXX   XXXX   did n't close the accounts with Fraud i complained  XXXX    XXXX   XXXX   XXXX   then sent  XXXX  of my ATM cards  XXXX  and Address not mine and   XXXX   XXXX   XXXX   worker stole  XXXX  dollars from me. I have been in court 8 years against  XXXX   XXXX  and   XXXX   XXXX   XXXX     only 100 % respond its imposable two  XXXX .     Im a Refugee living in  XXXX  and have  XXXX  move  XXXX  a new country every 3 months so I do n't use a Phone because they only work in  one  country so i would have  XXXX  Spend  XXXX  Dollars a year  XXXX  Deal with the  Credit Reporting  agency wants the bank  XXXX  call me  XXXX  open a new bank Account.   The Federal Government has determined me  XXXX  i do n't use a Phone do  XXXX  My  XXXX  and please accommodate my  XXXX  and help me open a New bank account without a Phone. I can Send the bank  XXXX  forms of id buy Email and electronically transfer  Money two Verify Myself.        XXXX   XXXX   XXXX   Robs me  XXXX  dollars then i cant open a new account in 2 years is discriminatory, Please take the Hold off my Account so i can get a master Card.       I live in  XXXX  the  XXXX  fit  XXXX  of the world and do n't want  XXXX  send  XXXX  forms of Id threw the mail that takes a month and the credit Burrow wont want  XXXX  Right me Back in  XXXX  there is very little working mail.       Send the Credit burrow  XXXX  forms of ID  XXXX  times and they will only respond send ID
Product: Debt collection

I have disputed this account several times with the credit reporting agency. 
XXXX is the only credit reporting agency that still has this account documented. 
my credit report is supposed to be fair & equitable to me as a consumer, this account Is listed as a charge off and has been written of but still shows a past due balance and amount owed. NOTATIONS DO NOT INDICATE THE BALANCED OWED IS XXXX Section 623 ( a ) ( 5 ) of the FCRA STATES THAT A CONSUMER AGENCY SHALL NOT REPORT ANY ACCOUNT THAT REFLECTS A CHARGE OFF. 

THE CREDITOR HAS SOLD THE DEBT TO A COLLECTION AGENCY.I DO NOT HAVE A BINDING AGREEMENT WITH THIS AGENCY.A CHARGE OF ACCOUNT CAN ONLY STAY ON THE REPORT FOR SEVEN YEARS FROM THE FIRST MISSED OR LATE PAYMENT WHICH WAS LISTED AS XXXX XXXX.EVERYTIME THIS ACCOUNT WAS DISPUTED INFORMATIONNWAS ALTRED.ONLY XXXX HAS FAILED TO VERIFY THIS INFORMATION CORRECTLY
Product: Credit reporting or other personal consumer reports

A hard inquiry has been on my account since XX/XX/2022 from Kohls and I dont recognize it and I believe it impacted my score and dropped it and it shouldnt be on my credit report I have never used any credit cards from kohls or anything.