23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

For the month of XXXX I was sent a Citicard offer for {$25.00} credit if I spent {$500.00} at restaurants by XX/XX/XXXX. I met the terms and never received the credit. I have called in XXXX, XXXX, XXXX and numerous times because it now says {$25.00} is past due. 
When I have spoken to an agent two agents say they saw where I was due the {$25.00} and the offers department says they do not see it. I am BEYOND frustrated. I have perfect credit and never have been late or past due in the 45 years I have had credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, LVNV FUNDING LLC added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Debt collection

I keep getting repeat emails to settle a debt, even on XXXX XXXX. I have not received any other form of communication.
Product: Debt collection

Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called Midland Funding nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Product: Debt collection

They sent an email to an old girlfriend I had XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX attempting to collect a debt. They stated that I made a payment on XX/XX/XXXX and they were offering options to resolve debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got my credit report after almost 2 years of not monitoring my report after getting calls by collections agencies asking me for my informations to verify a debt, which I refused to do and then checked my report. I have been a victim of identity theft and had fraud alerts placed on my reports 2-3 years ago YET some accounts have still been opened. 
Not just that they refused to removed addresses Ive never been associated with or like at AND Equifax has a ssn on my profile that isnt mine and REFUSES to remove it. 2 years ago I had them remove it by disputing it, I sent in a copy of my DL, a picture of my ssn etc and they told me it will be removed. They never did! They I called to let them know that XXXX XXXX Cant even generate my score because of mix match files on my report ( the ssn ) and they had the nerves to tell me nothing is wrong with my credit file and they can send me by mail my credit report. XXXX?!? I need to acces my credit report online! I dont pay {$29.00} to have to call you and request my credit report. I have been unable to open a checking account with XXXXXXXX XXXX even though I have a savings account with them because they uses equifax and couldnt access my report. Again Equfax was no help. This is my last attempt before I lawyer up and sue them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I have noticed some unauthorized inquiries that have been placed on my file. I communicated the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. I am looking to get an home for my son and I. Im not sure who would use my identity to try to open accounts I would appreciate you guys so much with the help of removing these unauthorized inquiries off my credit report. I am excited for the milestone and I would love to be settled within the upcoming months in my new home.
Product: Credit card

the first time I encountered XXXX XXXXXXXX was XXXX XXXX XXXX came to my home said he could replace my garage XXXX and do an XXXX back porch for XXXX. I didnt hear from XXXX XXXX until XXXX XXXX. While waiting to hear from him I attempted to hire someone else with the funding but found that XXXX XXXXXXXX had already got the money. I called synchrony bank because that is who approved the XXXX, I was recieving bills and no work had even been started. When I spoke with them and informed them that i did not authorize payment because the work was complete. At that time they removed that charge from my credit only to turn around and add it back stating because there was not a billing issue that i would have to pay the XXXX. They sent me the information that XXXX XXXXXXXX sent them providing them with a letter stating they completed the work and how nice it looked, so with that Synchrony added that XXXX back to my credit as a closed account stating it was because of non payment but it was in a dispute there should have been no payments due. I feel like this is wrong they totally ruined my credit score and I feel someone needs to be held accountable for the big fraudulent messXXXX XXXX XXXXXXXX and I went back and forth with no resolve other than I got stuck with a bill for XXXX. I do have an unfinished garage I'm not saying I owe nothing but I didnt get a residential garage I got a XXXX barn from XXXX XXXX XXXX You people are suppose to help people like my self who this company defrauded. 
Now they have changed their name and doing rebaths i feel sorry for people unaware of how scandoulous this company is
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$170.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured card with this company since XXXX. I had never had an issue with thin in the 5 & a half years of being a customer. I recently noticed that there were 2 late payments in my account for ( XX/XX/XXXX, & XX/XX/XXXX ). I was diagnosed with XXXX ; & was unable to work due to my preexisting conditions, coupled with XXXX made me bed ridden. That is why I fell short of making those 2 payments. I disputed the late payments ; only for this company to add 1 more late payment to my account ( an entire year after I closed the card with a XXXX balance, & 5 years after that first late payment ). 
I do not owe them, & what went from 2 late payments ; is now reflecting 3! I ask that the late payments all be removed for inaccuracy. I was a member in XXXX, of XXXX ; & personally spoke to a representative that removed that late payment while I was on the call. So, why add the late payment back 5 years after it was removed to hurt my credit? I am currently battling king XXXX? & XXXX XXXX I need these removed to get into transitional housing as I am homeless with XXXX kids. Please, Thank you
Product: Checking or savings account

On or around XX/XX/XXXX I noticed my account said a payment was posted for approximately XXXX from a refund, I was expecting XXXX the actual dollar amount was not reflecting my balance causing a concern. I reached out and was told that its not showing because they had to wait to receive some sort of release from merchant and that it should reflect on my account by XX/XX/XXXX. I work and receive all deposits to my account. So, I calculated all of my work deposits and other sources of income from XXXX XXXX XXXX and they did not place my XXXX refund to my account.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a old student loan that is still showing on my account. It is now over 7 years since it was first reported and should have been taken off my report by now. The original opened date was XX/XX/XXXX. The account was closed XX/XX/XXXX. I have disputed this through XXXX as of XX/XX/XXXX but they advised that it was verified as correct. I am not disputing that the account is not mines but that it is over the 7 year timeframe for it to be on my account. 
Additionally this account has been removed already from my XXXX  Report and XXXX   Report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s.c 1681 602 A states I have the right to privacy.

15 u.s.c 1681 604 A states a consumer reporting agency can not furnish a consumer report with out written instructions from consumer. 

In accordance with the fair credit reporting act the following accounts being on my credit report has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected XXXX : XXXX XXXX
Product: Debt collection

They call almost daily and harass, Keep saying to give settlement offers but never hold up to it.
Product: Prepaid card

I have tried to use an Amex gift card following the instructions provided by Amex. 
Card # : XXXX Expiring in XXXX Amount : {$100.00} Card was activated and received on XX/XX/XXXX Card still shows on Amex website XXXX having {$100.00} balance available to use as of XX/XX/XXXX The card has been rejected at a number of retailers in the past several months including XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Purchases were attempted from XX/XX/XXXX - XX/XX/XXXX XXXX Transactions were attempted and declined at XXXX on XX/XX/XXXX ( {$100.00}, {$100.00}, {$99.00} ) 1 Transaction was attempted and declined at XXXX XXXX on XX/XX/XXXX ( {$100.00} ) 1 Transaction was attempted and declined at XXXX XXXX on XX/XX/XXXX ( {$50.00} ) Another transaction was attempted and failed to XXXX XXXX on XX/XX/XXXX ( {$85.00} ). 
None of these retailers would accept the card as a form of payment. The amount of the card is {$100.00} and all purchase attempts were for {$100.00} or less
Product: Credit reporting or other personal consumer reports

Equifax Hard inquiries : Hello, please find all the hard inquiries made at equifax which I never made from my end. I have contacted the merchant and equifax with no response from their end. I will appreciate if you can pursue equifax to delete the below inquiries which I never authorized for. Please let me know if you have any questin. 

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

I submitted a letter to the Experian and XXXX Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Somebody has tried to open a loan account with my name and SSN on it involving fig loans I never applied for any type of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX acct : XXXXXXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX  Acct : XXXX XXXX  acct : XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Checking or savings account

I scanned a deposit check from school but my bank says it does not look legit and they want to take away all my account just because of that when they could simply remove the checks that are on hold and this is not the first time this has happened they like annoying people with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This ground for removal they aslo violated my rights under 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 withou my written instructions. Accounts listed below XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX Last payment XX/XX/2017 Payment status an inaccurate reappearing and appearing. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to the consumer to a consumer reporting agency if the person know or has reasonable cause to believe information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

During their last report of a closed checking account in XXXX, Bank of America disclosed for the first time that I owed them funds from the closure of my account in XXXX of XX/XX/XXXX and provided me with a phone number to pay those funds. Bank of America had listed me in XXXX for the missing funds, but again NEVER made an attempt to collect them until the response to my CFPB complaint back in XXXX, which violates FTC regualtions. I phoned Bank of America XXXX XXXX  on XX/XX/XXXX on a consensually recorded call ( attached ) and made a payment. I was even issued a confirmation number. Then, unsurprisingly and in keeping with its pattern of deception and abuse, Bank of America did not actually debit my account. They did the authorization debit ( screenshot attached ) but never actually pull the funds. They have made it impossible to pay my account and their listing of my account closure as due to fraud is retaliatory for me pressing charges against a banking associate who called me a XXXX in XX/XX/XXXX, and not factual.
Product: Debt collection

On my credit reports, it states that the debt is still open when it was paid and closed. I have verification that the debt was paid.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items unfamiliar. 
I have explained the discrepancies of the inquiries XXXX  XXXX ( bank ), XXXX XXXX  ( finance ), XXXX XXXX  ( bank ), And XXXX XXXX  ( bank ) .to my records the information you are reporting on this account is unrecognizable.
Product: Student loan

All of my student loans are on auto-pay with the option set to assign any overpayments to the principal. I've contacted Navient multiple times regarding the my loan payments not being allocated properly which results in me paying more in interest and not paying down my principal as it should.

When I first contacted Navient about this issue, they stated this was caused because my loans were all in billing groups and therefore causing some loans not to receive payments. I asked that all my loans be separated so payments would be allocated properly. Still, Navient continues to apply my payments improperly by moving my due date instead of allocating overpayments to the loan principal, resulting in additional interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma told me I was pre approved for a home loan and ultimately I was denied and lost out on money and alot of time. I looked at multiple homes and chose a house. I paid for inspections on it and almost lost the place I was renting.