23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

On XXXX XXXX, I made an automatic e-pay of {$4800.00} to my Banana Republic Credit Card ( Through Synchrony Bank XXXX account from my XXXX Checking Account. 
Additionally, forgetting I had e-pay set up, I had an additional payment made for the same amount. 
Realizing my mistake, I called my bank, XXXX, and asked them to return one of the payments. They proceeded to stop payment on ONE of the payments on XXXX XXXX. 
Unfortunately, you have listed TWO adjustments for that amount. When I spoke to one of your customer service representatives, she explained that she saw XXXX payments had been returned. This seems incorrect as XXXX adjustments have THE SAME reference number, when XXXX payments DID NOT. 
Since then, I have spoken to numerous people regarding the status. I was originally told I would have an answer by XXXX XXXX. When that came and went, I was told it was in process. As of my most recent call, today, I was told that there 's no way I can speak to someone on the payment correction team. As a result of this, I have had a late fee applied, interest charged. AND YOU CLOSED MY ACCOUNT ( which has since been reopened. seems crazy for one issue after I 've been a VERY GOOD CUSTOMER. ) I am attaching the statement from my checking account showing that one payment did, in fact go through.
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 XXXX XXXXXXXX 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 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 paid in full a loan with MoneyLion that was past due. I waited for report to update with correct information but did not so I summited disputes instead of updating correctly it came back everything was accurate which it was not. It still shows its past due with balance. I contact company and submitted information with credit dept via a form. They came back saying it paid in full and show correctly on the report has of XX/XX/08 which its not.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX Date opened XX/XX/XXXX ) ( office of attorney general Date opened XXXX ) ( XXXX XXXX  Account Number XXXX Date opened XX/XX/XXXX ) ( XXXX XXXX XXXX opened XX/XX/XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was a victim of identity theft and the collection company XXXX account was found to be fraudulent and found me not liable for balance ( XXXX ) the company still placed a account on my credit and refuse to remove the account I dont know this company nor have I ever provided them with my social security number and allowed them access to my credit.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX Phone # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject XXXX Dispute of Inaccurate Student Loan Information Dear XXXX, I am writing to formally dispute the accuracy of certain information regarding my student loans as reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( b ), 615 ( 1 ), and 623 ( a ) ( 6 ), I have the right to dispute any inaccurate or incomplete information.

Upon reviewing my credit report, I noticed that the following student loans contain negative history that I believe is incorrect : Dept of ED/ Nelnet- Account Number : XXXX According to Section 605 ( b ) of the FCRA, negative information must be accurate and verifiable. Additionally, under Section 615 ( 1 ), I am entitled to a notice if adverse action is taken based on this information. Furthermore, Section 623 ( a ) ( 6 ) requires furnishers of information to investigate disputes and provide accurate reporting. 
I request that you investigate these accounts and remove any inaccuracies from my credit report. Enclosed are copies of relevant documents supporting my claim, including payment records and correspondence with the loan servicer. 
Please confirm receipt of this letter and inform me of your findings within the legally required timeframe. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " AFS Acceptance, LLC. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting or other personal consumer reports

While looking at my credit reports on TransUnion, I noticed 4 hard inquiries on my report, that I had not applied for. I have been a victim of identity theft and I've made police reports, locked my credit report, with the 3 major credit companies, I've been working hard on keeping my credit good and to see this on my report is a eyesore. XXXX XXXX XXXX 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

Looking into credit reports i See a lot of MISLED information. Or information thats is Against my congressional laws. USC 15. Codes etc ... ... .. Remove all information that is hindering my credit scores. And contact me directly for any alerts or change into my credit reports
Product: Debt collection

I received a collection letter from Resurgent Capital Services for LVNV Funding a junk collection company. They had sent me a collection letter stating that I owed {$1400.00}. I requested a Validation of Debt, NOT a Verification of Debt. The company ignored my requests and had only sent a Verification of Debt. I had informed in my letter that I was disputing the amount owed and that any negative aspect on my credit score would result in legal action.

I received an alert this morning stating that I had received a negative hit on my credit score. My debt has not be validated by the company and my written request that this not effect my credit score has been ignored.

My letter was specific on what I was requesting and although FDCPA does not require the company to give the information, I have only received a Verification of Debt when my letter disputing the debt was clearly requesting a Validation of debt.

As such even the Verification of Debt has not specified the amount owed and the break down of the alleged debt.

Also aside from the debt collection Resurgent Capital had sent a letter threatening legal action and had informed me that my account was already placed on a 6 month legal track period in the first letter which is a violation of the FDCPA regulations. This company is trying to intimidate bully and not provide the adequate information requested and I had informed them that I am disputing the debt.
Product: Credit reporting or other personal consumer reports

There are XXXX XXXX accounts listed on my credit report. These accounts are littered with inaccuracies. I want the fraudulent charges removed. I want the accounts with the re aging removed. The Credit bureau must report accurately according to the laws. Theres no accuracy in the listed accounts and therefore the bureau is fraudulently reporting. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX is this accurate? Whose account is this? Where are you getting this? Why won't you really investigate this? You only say verified without investigating it. I have contacted this court. 
XXXX {$4900.00} XXXX {$11000.00} XXXX {$4900.00} XXXX {$2400.00} How is this account being verified? This account is littered with inaccuracies including ficiticious balances being reported. The dates are ficticious and I reported these accounts over and over because they are not accurate. The dates are not right, The balances are not right. 
Inquiries that are not mines. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

This medical bill is not mine. I have contacted several times and asked to see a billing record. It was never sent and XXXX actually removed this during my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I dont remember the credit card debt on file, I went through medical problems and mental health issues and breakdown. Ive been XXXX  and when I did stay at the address on file I didnt get mail. I am medically unable to work and Covid has personally affected my family and I have no income. Is there a way to get an outside source to donate for help. This is causing me major stress and XXXX  issues making my life worse and I dont know what to do.
Product: Checking or savings account

On XX/XX/XXXX I received compensation from a company called XXXX ( XXXX XXXX XXXX ) in the amount of {$11000.00}. This was transferred to my checking account at Bank of America by ACH. XXXX days later on XX/XX/XXXX the same company took an even larger amount of {$11000.00} from my account as a " reversal '' without my permission, authorization and any justification. This is complete fraud. I got in touch with Bof A but they didn't stop this fraud and refused to take the funds from the firm only blocked any future transactions from them.
Product: Credit reporting or other personal consumer reports

This is getting repetitive. I will keep addressing this issue until its resolved i requested verification of my credit acceptance account i also requested to it be deleted in accordance with the FCRA and consumer laws. THey deleted this is account and reinstated. this is a violation of 15 usc 1681i reinstatement of unverifiable information. Experian is reporting inaccurate information and reinstating unverifiable information from incredulous sources.
Product: Credit reporting or other personal consumer reports

Experian has now stolen 18 months of on time never late payments to XXXX and refuse to give them back THERE OWN WEBSITE PROVES MY CASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Student Loans Reporting on my Credit Report XX/XX/2018 {$2300.00} XX/XX/2018 {$1300.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00}.
Product: Debt collection

I have had XXXX XXXX from Pendleton Capital Management contact me Monday, XX/XX/XXXX before XXXX XXXX. One call was at XXXX XXXX then again at XXXX XXXX eastern standard time. When I didn't answer he then called my parents which would have been before XXXX XXXX  central time as they are in Texas. Not only did he call them before XXXX XXXX he also released my debt information to them. I know this from the details relayed to me in a text message. When setting up payment arrangements on a previous call to these calls, Mr. XXXX failed to mention to me a {$10.00} processing fee for each payment, which I am still being charged and it is not being applied to my debt as it should be since on a recorded line I was not informed of it. When speaking with Mr. XXXX on XX/XX/XXXX I mentioned this to him and his response was " oh Yeah ''.
Product: Credit card or prepaid card

I purchase an item from a merchant for XXXX dollars on XX/XX/XXXX. My item said it was delivered sign by someone I dont know I contacted my seller they said they will investigate at the end of the investigation they ask me to contact my bank in which I did on the XX/XX/XXXX after the merchant finish investigating and didnt offer me a credit. On XX/XX/XXXX I receive a letter from citi bank asking me if me or anyone I know use my card to make a purchase from XXXX  to sign and date the letter which I will send a copy of clearing letting them be aware I know of the charge I did respond with a yes and I even called them to let them know my charge is valid and I never contacted them about a fraudulent charge like I mention earlier I disputed my charge on WednesdayXX/XX/XXXX at XXXX I use my mobile phone and disputed my charge under the term item not recieve I later receive an email which I will also send a copy of that XXXX have receive my disputed charge and that in two days I will receive a conditional credit. On the XX/XX/XXXX I receive another letter from XXXX that I have acknowledge that the charge was valid and if I need to resolve the issue contact the merchant directly that since I said it is not an unauthorized charge and they are reversing their conditional credit and closing the case, upon receiving this letter I contacted citi bank I was told that a mistake was made and they will rectify it cause two disputes was open with the same merchant I mention that the dispute that I have open is datedXX/XX/XXXX and I receive a letter on theXX/XX/XXXX of fraud charge again I was assured it would be taken care of since its a mistake from citi bank, i also told them I can not open two disputes at one time since Im only allow one dispute to a merchant I called several times about this issue I was told the back office is working towards it I rely on citi bank to solve this issue since it was not my fault which the assured they would, I made a call today XX/XX/XXXX to follow up on the charge and then I was told that citi bank had lose the chance to dispute the charge since it was put as a fraud charge I ask the question who put it as a fraud charge I couldnt get an answer to my question I went to my dispute details and ask for them to read what is stated as the reason for my dispute which clearly states item is not receive dated Wednesday XX/XX/XXXX on their website have nothing about fraudulent charge or the date they send a letter to me it have the date I open the dispute XX/XX/XXXX and the reason for dispute is item not Receive and not a fraudulent charge and citi can no longer do anything to help me with this charge I have to pay for an item I have not receive and cause of Citibank mistake Im paying the consequence s can you please look into this issue for me so I can get back my money Im a XXXX trying to make a living I can not lose XXXX for Citibank XXXX