23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, my name is XXXX XXXX. 

So, I noticed on my credit report on, or around about XXXX. That an negative action was on my credit report. I think it was from another agency. Then I realized that is was XXXX collection agency. I've never had a contract. or dealings with this agency. Just recently, after checking my report. Another company XXXX XXXX  reported on my report as well! Again I don't have contract, with these 2 agencies! I have call both credit agencies on this matter. They instructed me to contact both companies directly. I did so as of XX/XX/XXXX and XX/XX/XXXX. They both were very aggressive and rude. Telling me that these were my debts and I had to pay them. I disputed these several times. Always coming back as verified. I'm so exhausted and frustrated with this matter. I've contacted both companies to provide me with proof of debt. They never sent any to date. If they can not provide proof of originals debts. To please remove from my credit report. In addition to stop all contact and reporting to credit agencies. I'm so grateful to have found this free amazing service. Please help me in this stressful matter. 

P. .S. The amount for XXXX is : {$160.00} & XXXX XXXX _ {$740.00} Thanks XXXX XXXX
Product: Credit card or prepaid card

I submitted a compliant today regarding the closing of my Citibank XXXX XXXX XXXX card. I found the service agreement. It doesn't state you could close my account based on the reason provided. I will get an attorney and sue your company if my account isn't opened back up. This isn't fair. I will continue to fight this until my account is reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$920.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking to verify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My personal information and personal cell phone number were stolen by XXXX XXXX to open bank accounts and cards fraudulently since XXXX 2023. All other banks but CitiBank took my police report and other supporting evidence to resolve the related issues. Only CitiBank refused to take my supporting evidence and insisted the Citi Credit Card was opened by me. I filed complaints multi times, CitiBank used the false documents provided by XXXX XXXX when the XXXXXXXX  opened the credit card for the investigations and drew the conclusion. I don't understand how come CitiBank can properly investigate without reviewing the documents from a victim of XXXX XXXX?  One of those reasons CitiBank listed is that " payments to the credit card were made under my name ''. What's the total payment amount? It's less than {$200.00}, but the XXXX  spent more than $ XXXX with the credit card by using my personal info. fraudulently. Right now, I file a claim again and submit all evidence to support my position. Please have CitiBank reviewed my documents and solve this issue properly. 

Moreover, I reserve the right to take legal action.
Product: Debt collection

Called at XXXX and XXXX on XX/XX/year> and left a message. 

Phone records and a time stamped voicemail have been saved
Product: Checking or savings account

I was sent a cashier 's check that was fraudulent and had no knowledge of it in XX/XX/2009. As a result of this error I have been blocked, without given the benefit of acknowledging that I had no knowledge that the cashier 's check from what I was told was a student loan stipend, from ever opening an account with Bank of America. I was unaware and made it known to the bank that I received this check, along with an email, that said it was my quarterly stipend. It was my first experience with this at the time and I had no idea that this in fact was not a good check. I would like that block removed from my history with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I Reached out to the Main CRAs requesting a updated copy of my credit report, upon reviewing I noticed that a auto loan ( EXETER FINANCE ) was erroneous reporting inaccurate information on my profile putting me as a consumer at great risk and jeopardizing the integrity of my credit, so I decided to challenge the inaccuracy Exeter Finance put on my credit profile, as a consumer which I have the right to take any action I feel is necessary to make sure everything on my credit is as it appears 100 % accurate, well while doing so I stumbled across some information that was reported in accurate so I reached out to the 3 credit bureaus asking can this issue get a further investigation unfortunately only response I received from the credit bureaus was that the information was verified accurate which in fact is false I know this for a fact because I have via certified letters from the direct furnisher to support my allegations, so I found what the credit report reported was not only invalided but by law I believe they have violated the FCRA laws with what they have allowed to be reported as accurate unfortunately. Not only did they say back in XX/XX/XXXX they had the vehicle in there possession which was being auctioned off at one of there facilities but also the opening bid will open at {$7200.00} how is that so when XXXX XXXX when I reached out regarding this account they say the balance is still {$28000.00} thats contradicting not only for EXETER FINANCE BUT ALSO FOR XXXX, XXXX, XXXX with what they have allowed to be reported in the first place while being non compliant, I have invested time, energy and money into getting justice for this battle between us I believe also that this account is out of the statue of limitations, Im asking that you remove this account off of my credit report Expeditiously once removed please send me confirmation via letter of removal Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$7300.00} ; XXXX XXXXBalance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Owed : {$1000.00} ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX BalanceOwed : {$0.00} ; XXXX  XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$710.00} ; XXXX  XXXX XXXX BalanceOwed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

XXXX XXXX, with no warning, unilaterally decided to block all customers accounts from transferring even minimal amounts out. Because of that, I nearly bounced a check elsewhere. 

In trying to resolve it, they requested a proof of the account where the money came from which I provided. They said I should have transfer availability within 24 hours. Its been 3 times that, they refuse to let me transfer a miniscule amount, they refuse to let me talk to their fraud department and they refuse to let me talk to a supervisor. 

I am all for fraud prevention. But there is no fraud, there was no warning. This is just shoddy business practices. 

I will be closing my account as soon as I can without incurring a fee but I have no idea how much longer my money will be held hostage because of this pitiful excuse of a bank.
Product: Vehicle loan or lease

To Whom it may concern, Navy federal credit union sent me a letter saying your payment of XXXX which is due on XX/XX/XXXX has not been received. Account ( XXXX ) I recently received another letter saying i owe {$2100.00}. Not sure where this amount came from. This needs to be cleared up ASAP. The letter threatened to repossess my vehicle for the outstanding amount of debt. As a consumer I extended my credit to Navy Federal Credit Union in XX/XX/XXXX, NFCU is taking advantage of consumers. 15U.S Code 1601 ( a ) I made an uninformed decision when getting the loan, Nothing was clear and conspicuous as the law state it should be. I was never made aware of the cost of credit. The only evidence of a debt was the promissory Note that was never signed by anyone, I still have the blank promissory note they sent me. nothing was explained. these are some of the laws they're breaking. i intend to sue in federal court if this can't be fixed.15 U.S.code 1602 ( g ) ( k ) 15 U.S code 1692e false or misleading representations, 15 U.S 1692e ( 3 ) ,1692 ( 6 ) ,1692 ( a ) ,1692j ( b ) ,1692k i.e. please help fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # 1 : Per both my wife and my letter datedXX/XX/XXXX attached I wrote to give how I observed that TransUnion and XXXX bureau when posting those things that cause score to go down are posted without delay ( i.e., hard inquiry posted same day or within days ).

Complaint # 2 : Parity is needed between posting good credit vs. negative ; per our letter attached I pointed out to bureau that I had one late payment during XX/XX/XXXX on my XXXX account and my score was drastically drop by 100+ points in a matter of 30 days or less but subsequently upon bringing it current now both XXXX and XXXX has not resulted in any corresponding score increase upward. And upon reducing my utilization debt percentage I only saw a 30 point increase in score as oppose to 100 points to return my score back in the 700 range where it originally was at before any of the negative issues ( i.e., late payment or high utilization ) surfaced. Again the attached letter provides all of the specific details not listed here. 

Complaint # 3 : Often times get a system error message when trying to file dispute on either bureau ...
Product: Checking or savings account

I am a long time customer with pnc bank, on XX/XX/XXXX I tried to deposit XXXX dollars into my account through the atm with pnc bank. The atm malfunctioned and gave me back XXXX keeping the other XXXX dollars and not giving me a receipt. I talked to the teller and deposited the XXXX dollars and filed a dispute for the remaining XXXX that The machine did not give back. Five days later I received a provisional credit for the XXXX. Almost two months after that theyve performed a provisional credit reversal for the XXXX and are telling me there is no evidence of any overage in the atm or the bank. Ive been to two branches and have talked to there escalation manager XXXX XXXX multiple times and have filed multiple disputes with the same result. They are telling me there is no extra cash that was found.
Product: Debt collection

My consumer rights have been violated, I did not sign any agreement with Midland Funding LLC, and they have filed a " Statement of Claim '' against me.
Product: Credit reporting or other personal consumer reports

TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX has been listing fake accounts and inquiries on my credit report that I have never authorized. They have been listing fake credit scores ( XXXX and XXXX ) on my credit report that has caused extreme harm to my financial reputation and has caused me to lose job opportunities with some of the greatest companies in the world. The fake information that has been reported to TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX by these creditors is listed below : XXXX  - Account number XXXX, XXXX XXXX - Account number XXXX, XXXX XXXX - Account number XXXX, XXXX XXXX XXXX Inquiry date XX/XX/2023 I have requested contractual agreements from these so called creditors that bear my name saying I agreed to any terms and they have not produced and/or sent me any documentation, so how has TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX been able to verify and validate that this fake information listed on my credit report is 100 % true and authentic?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I submitted a 1099C to the company " Credit Acceptance '', which was mailed back as accepted. I called the company several times between XX/XX/2023 and XX/XX/2023. Today I called several times so that I could speak with the compliance department as advised by a representative yesterday. The representative that I spoke to today transferred me to the compliance department where I spoke to a person named XXXX, who would not give me her last name and quoted her last initials and a number for her last name ( I am not sure if this was a recorded line ). XXXX was very intimidating, angry, deceiving, and aggressive while communicating to me that I owe a debt they ( Meaning your company ) do not accept 1099, and they would have never mailed me a return. She continued to be hostile and sassy, continuously saying this and telling me that you only accept payments. At this point, XXXX has caused a problem, because my 1099C was accepted and if the copy does not zero out my account they will be in violation of the federal income tax law.
Product: Vehicle loan or lease

This account was transferred from XXXX/Yahama to Yamaha Motor Finance Corp but I have yet to receive a bill and how to pay. Now during this pandemic, my score dropped almost 60 points because they are reporting me late but I was not given a chance to pay since they sold my account to another servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Department of Education/ XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Dept of EDXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and tried to get Experian and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that XXXX and XXXX have made more of an effort but Experian has not. My spouse is having the same issues with Experian. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with Experian report as of XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XXXX ( see the red FP ). They are not allowed to show me late in XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX and XXXX, XXXX ( Bankr. XXXX ). Here, the court relied heavily on two of my cases, XXXX XXXX XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX  XXXX ( Bankr. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( Bankr. XXXX XXXX ), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both XXXX and Experian are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses XXXX every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am signed up with XXXX to monitor my scredit score and other things. I logged into XXXX the first week of XXXX XXXX and it was reported with a 13 point drop. I logged in and the only thing I could see was a XXXX closed account showed that it dropped off my report so I notified XXXX which stated to contact transunion. 
I called transunion to receive a report to see if I could see anything that would require a 13 point drop. I did not. I notified transunion at XXXX to find out why a 13 point drop was reported to XXXX. The only thing they said is how many points would affect certain things. there has been no new accounts open, my bk is coming off my report at the end of this year. I have made on time payments. I do not understand why they can not tell me why my score was reported and dropped 13 points. We are told to monitor our own reports and I do that faithfully. I have credit monintoring though my states attorney membership and I have not been notified of anything happening on my account nor does my report reflect anything. 

The account in question that was closed is XXXX open XXXX XXXX, XXXX closed XXXX XXXX, XXXX removed from my credit report the first week of XXXX.
Product: Debt collection

Midland Credit decided to mail one of my notices to my future mother-in laws home? I do not understand why they would do this! It was addressed to me, and all she had to do is google the address to see where it is from. I HAVE NEVER LIVED IN THIS ADDRESS!!!!!! I am embarrassed and annoyed with this process.