23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a complaint against CITICARDS CBNA. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX TransUnion LLC, Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX : XXXX XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for XXXX  & TransUnion to correct this ASAP. 
XXXX  XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX has already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned from my credit monitoring service that my personal information was being used on a XXXX XXXX. I then reviewed my credit report and I realized that I have several on authorized inquiries. I have reached XXXX times out to transunion requesting removal and I was told that they will stay on my report for XXXX years regardless of the fact that these inquiries are fraudulent. 

XXXX  XXXX XX/XX/XXXX XXXX info XXXX  ( miscellaneous ) XX/XX/XXXX XXXX free rides sp ( retailer ) XX/XX/XXXX Factual data ( finance ) XX/XX/XXXX
Product: Checking or savings account

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 XXXX XXXX  XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2021, I noticed a derogatory mark on my credit file for a medical bill from OUTSOURCE/MEDICREDIT INC for {$62.00} However, I have not received any communication from the company regarding any outstanding medical bill or any debt incurred. 

I phoned them and discovered they had outdated information regarding my address and phone number. 

I immediately paid the debt and explained that I never received any information from them regarding the debt. They still refused to remove the mark from my credit file. I believe this is unfair and illegal predatory behavior to collect a debt that I have no information on but is consequently hurting my credit
Product: Checking or savings account

I recently tried to take out a loan with people I thought were legit. Turns out they were fraud and reversed three big payments I had made on my debit card. I immediately went to my bank chase and had them close my account and reopen a new one with a new email address. I received my new debit card in the mail last week and as soon as I activated it the same charges were made on my account that I did not authorized. I have been transferred several times no one seems to want to help me Ive been given attitude and as I am filing this complaint I have been on hold with chase for almost two hours and no one seems to want to help me! Its been a week since this new charges have been made and I am yet to be helped correctly and professionally. I had a guy named XXXX who seemed as if he did not care to help me so I asked to be transferred to someone who can better assist me and he transferred me back to the retail department instead of someone else in the claims department! Completely unprofessional at his job! And I am still on hold with no one who seems to want to help me and do their job!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. 
The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

USPS Tracking # XXXX received bt TransUnion on XX/XX/2022 requesting Their investigation process concerning a bankruptcy showing on my consumer report. 
No response from CRA as of today which is well past the 30 day FCRA guideline
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX : EQUIFAX 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

My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have XXXXhree separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.
Product: Credit card

The following bank ( s ) /credit card companies, has/have failed to properly acknowledge, verify, and credit properly tendered payments for the balances due on said credit card account ( s ). 

This/These company ( ies ) has/have also failed to properly verify, as per my ( the Creditor/Beneficiary 's ) request, what " credit '' was extended to me, by contract, by these companies in creation of any alleged " debt '' they claim that I owe? 

Additionally, said company ( ies ) have illegally and unlawfully closed said credit card account ( s ) and are illegally reporting them as " Closed by creditor '', despite the fact that I have not requested closure of any accounts. 

It is believed that this/these company ( ies ) have illegally retained, and therefore simply deposited all tendered " payment ( s ) -in-full '', without properly crediting and/or balancing the account ( s ), and are continuing to fraudelently and illegally engage in unlawful billing activities and correspondence.
Product: Debt collection

Professional Debt Mediation , Inc. were the debt collection group assigned to a debt I accrued from a prior apartment that I rented from. I initially set up a payment plan of {$25.00} per month to satisfy this debt. I managed to accrue the remaining balance I owed and paid off this debt a month and a half ago, yet this group continues to withdraw {$25.00} from my bank account every month. I have documentation provided from PDM that states I have paid my debt, and when I contacted a XXXX XXXX from PDM ( XXXX ), he acknowledged that they have it on file that I have paid the debt, and " don't show any other payments being drafted ''. When i provided images from my bank account as well as auto-generate emails from PDM themselves showing they are still drafting from me, I was met with no response and have received no response from this group until today when I informed them I will be making an official complaint. This group is predatory and are committing theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$300.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and has not supplied any proof to me. There is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.
Product: Debt collection

I had a wireless phone and XXXX for the home with XXXX upon leaving XXXX they charged me numerous frivolous fees that I was unaware of until it appeared on my credit report. They reported the bill and had a collections company report the bill on my credit report I never received any collections notice they removed my access to see my account online which as per their website I should still have access to my old bills than when I tried to speak to someone in corporate they refused to verify the address they had on file. To this day I still have not seen the bill and all the charges only what they stated on the phone. They also are falsely reporting the account on my credit report as an open account with a maxed out limit instead of as well as a collections by doing this it looks as though every month I owe {$910.00} and another for {$1900.00}. And lastly they are reporting this as though the account is recent even thought I have not had this account in over 3 years and they decided to initially state I owed {$910.00} last year and then to report it at {$910.00} as a fresh debt this year I disputed this with the credit reporting agency as well and they did nothing they continue to allow them to report this as open account they state the debt has been verified which is a lie there is no way they could verify I received any collections because I have not and they did not even want to verify my address This is against and the laws of fair credit reporting and this greatly affecting my credit more than a collections because it reports as open and active and they know exactly what they are doing as I have seen online this is a common occurrence with XXXX and somehow they manage to continuously get away with it
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX1 XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score PORTFOLIO RC Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card or prepaid card

I purchased a Netspend Debit card from the XXXX XXXX store in XXXX, VA. I loaded {$250.00} dollars on my card at the time I purchased the card to be able to pay my car payment. After purchasing and loading the card, I was notified by Netspend they will not activate the card due to risk reasons. I was also told i would receive a refund check in 15 days on XX/XX/2022. It is now XX/XX/2022 and I still have not received my refund check. I live on a limited income it is very hard to catch up with Rent and Car Payments when I fall behind. I contacted Netspend 4 times and I still have not received the check.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. I lawfully obtained these reports through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX - " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Student loan

Edfinancial is stating I still owe from my student loans which have been paid off completely in XXXX. Currently, they are stating I owe exactly {$16000.00} and accruing 4.3 % interest daily. I have receipts of making payments to Edfinancial and XXXX XXXX XXXX XXXX. The receipts will state my account number, payment amount, effective payment, and payment confirmation number. My XXXX loan was transferred over to Edfinancial with a little of {$6000.00} still owed. My receipts are from XXXX and XXXX which I would be happy to provide. I have reached out to Edfinancial and sent over all my receipts. After uploading my receipts it provided me an automated message that in 10 business days I should receive a response. As of this morning being passed the 10 days they can not provide me a estimate date when I can receive any type of update on my loan due to " another department '' being involved such as it being transferred over to their finance department. I uploaded my receipts per the representatives request on XX/XX/XXXX. As you can see it has been almost a month since I uploaded my receipts since today is XXXXXXXX XXXX. I've emailed XXXX and they have no record of my payments nor being a account holder. After providing my account ID to XXXX they are still saying I was not a client. Moving forward to Edfinancial at the beginning of logging into my account it also stated that I was not a member and had to make a new account. The representative I spoke with the last week of XX/XX/XXXX said the system had a update in their system that was about XXXX weeks ago and nothing transferred over. I questioned her and said how were you able to see that I had another loan company which she froze with answering my question. Furthermore, I'd be happy to provide any additional details or proof of payments if needed. Thank you for your time!
Product: Credit reporting or other personal consumer reports

Notice of Dispute Regarding inaccurate report of tradeline Account And Deceptive Status Stating a Private Account was Late ( XXXX, XXXX, XXXX, XXXX ) Those Dates are Fraudulent and Wrong! The XXXX was XXXX to the XXXX members. I Didn't give ( XXXX, XXXX, Equifax ) Access to have this Private Information that I didn't give Written Authorization Nor do I Consent to Defaming my Character Block and Remove The Tradeline from my Credit File @ XXXX, XXXX And Equifax 15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violated my rights under. 

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

15 u.s. code 1692b harassment or abuse
Product: Money transfer, virtual currency, or money service

Was scammed by a fake realtor/landlord. I realized it soon after sending my deposit. Chase Bank did little to help me, even after identifying the funds in the account they were transferred to. I was told I would not be reimbursed, there was " nothing the bank could do '' and to " just be more careful next time. ''
Product: Debt collection

Ive submitted multiple disputes to trueaccord ( account # XXXX ) to have my account deleted as a result of identity theft but I am still receiving emails as of XX/XX/2022 in attempt to collect a debt not owed. I have email confirmation from the original creditor, XXXX XXXX., that these charges were a result of identity theft. I also made a police report and have been in contact with an investigator. I would appreciate if my trueaccord account were to be closed immediately and the collection attempts were to be stopped.
Product: Credit card or prepaid card

I have a settlement agreement with chase and have been very good and on time with the agreement until the last and final payment. 
I recieved an alert XX/XX/2018 that chase will apply the last payment on XX/XX/2018, instead of XX/XX/XXXX, a week early as agreed.i called them directly not to do it coz I dont have enough funds that time, and that funds will be available on the XX/XX/XXXX as agreed.chase said ok, I just need to call my bank not to pay it and to my understanding that they will re deposit the check as sched XX/XX/XXXX.i was waiting for the final payment check to be cleared after XX/XX/XXXX, but no-they sent it to collection agency XX/XX/XXXX without the courtesy of calling or even answering my calls. 
I am not the type who do this report or complain, I tried so hard despite my having some financial difficulties to pay my dues, but being penalize for the stuff They pretty much have all the control sucks!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act XXXX, these accounts have violated my rights. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX* 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