23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a text message from my mother : " Keep getting phone calls from Victoria Secret for you. '' I do not share a phone number or address with my mother and I have not in over 10 years. She told me that on several occasions they attempted to discuss my account balance with her and she told them to stop calling her. 

On XX/XX/XXXX the credit card company, Comenity Bank charged my personal checking account with a charge reporting that I authorized the charge over the phone. I have never spoken with the company over the phone. I did not authorize any charges. I messaged them over their online messaging system about it.
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance XXXX XXXX {$1000.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balane Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$12000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the Department of Education and Navient my loans were sent to XXXX  my student loans are at a XXXX balance with XXXX  on my credit report.

My score went from fair XXXX to XXXX poor over night 41 XXXX XXXX points when I have a XXXX balance from {$31000.00} worth of student loan debt.

WHY DID THE SCORE GO DOWN 41 POINTS INSTED OF UP?

XXXX  IS GOING ON ... ..
Product: Debt collection

On XX/XX/2020 I sent Summit AR a letter, which is attached. In the letter on page 4 I clearly state that I am represented by an attorney who's contact information I provided. The letter was sent to them via Fax and Certified Mail. Summit AR must've not read my entire letter because they responded to me directly instead of my attorney. This is a violation of the FDCPA 1692 c ( B ) With anyone except consumer, consumers attorney, or credit bureau concerning the debt and 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive. I am requesting that summit AR cease an desist their disregard for the law right away and contact my attorney right away to resolve this matter. No lawsuits have been filed YET.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a comprehensive analysis of my credit report. I have 4 accounts with late payments that are negatively affecting my credit worthiness and are also in violation of the FCRA. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Pursuant to 15 USC 1692k- Civil liability I demand XXXX dollars for each violation as you have caused severe damage to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, the credit reporting bureau Experian concluded an investigation into a tradeline beginning with account number XXXX ... with XXXX XXXX XXXX. The XXXX offered a settlement to close the account. I scheduled a payment on XX/XX/XXXX and paid the settlement balance on XX/XX/XXXX. Experian is reporting the account open with no recent payments, and the current balance as {$10000.00}. However, there is a payment that has posted for {$2100.00} on XX/XX/XXXX and the account is now closed with XXXX XXXX. I have requested that the creditor delete file and derogatory information. I have found that Experian will not conduct thorough investigations and look at evidence presented. They will mislead consumer by stating they will but in fact, they often do not. This makes it extremely difficult for consumers to correct errors on credit reports which negatively impacts their credit score. It is a violation of the Fair Credit Reporting Act. 

Secondly, I want to file a complaint regarding Experian 's handling of the XXXX tradeline on my account. It is reflecting a late payment history, despite my numerous attempts to dispute the error. I provided the information showing the satisfactory payoff the account, which was paid off early.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with the credit bureaus XXXX, XXXX, and Experian with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Prepaid card

Someone went to the XXXX  and took my money off my card while I was at work all day with my card on me. I don't understand how someone can take my money off my card and I have my card. They saying I gave someone permission to use my card. If I would have gave someone permission then they would've had my card not me. So I just want the information so I can give to the police so they can start the investigation. They not trying to give me any information and I don't understand why not because this was money that belongs to me. I truly got scammed please help.
Product: Checking or savings account

atm withdrawal for XXXX and XXXX was playing basketball one day and my bag was stolen reporte to police and bank denied same day i turned in report.
Product: Checking or savings account

I opened an Associated Bank checking account on XXXX XXXX XXXX. I made an initial deposit of {$25.00} through a transfer from my XXXX XXXX XXXX account. A few days after this my AssociateXXXX Bank account was locked and my online access blocked. I talked to a representative who said I will receive a call/communication regarding the block from a bank representative. I never received a call or any explanation and then received a letter in mail on XX/XX/XXXX saying that my account has been canceled due to fraudulent activity. I have not yet received my {$25.00} in deposits that was made in XX/XX/XXXX. I would like to get my funds back immediately with the owed interest. For anyone else who is reading this review, run far far away from doing any business with this bank. They don't deserve it.
Product: Checking or savings account

I have not use my card since XXXX of 2020 because I had open issues with unemployment that will finally lifted in XXXX no money was supposed to be released to my account but it was I have three emails from US Bank saying unemployment ask them to issue me a new cards this whole time they were blaming me telling me that they have phone call records of me calling and everything up until 3 weeks ago when I showed them the evidence it wasn't me and they're still a problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 here is my tracking number XXXX XXXX XXXX XXXX XXXX. Request to remove inaccurate information and remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy also according to 15 USC 6802 no financial institution is not supposed to share my information to third party people.

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

T-Mobile communication, through a debt collector named Front Asset Strategies ( FAS ), requested that I pay the amount of {$410.00} for phone service. I paid the final bill in full after requesting to cancel the service. Later, I received an email from FAS dated XX/XX/XXXX requesting the amount to be paid. I immediately contacted FAS for an explanation and details. According to XXXX  the presumed owed amount originated from a phone XXXX offered at non-charge for initiating the account. During the cancellation process, the agent argued that I XXXX have to pay for the phone for choosing to cancel my service. I offered to return the phone, but the agent said that the company would not accept the phone to be returned. Nevertheless, I submitted an online dispute through the FAS website in early XXXX disputing the charge. However, I received no communication or status of my dispute from FAS. The disputed amount has now been posted on my credit report. FAS did not allow me to settle this matter before reporting it to the credit agencies. Moreover, they failed to provide me with the information or documents indicating the source of the debt, and whether it was for the free phone or unpaid service bills. I submitted a new dispute on XX/XX/XXXX requesting proof of answer to my initial dispute and proof of debt. I strongly believe this business practice is unethical and could likely violate an agreement rule offer/acceptance. The XXXX agent verbally offered a free phone for initiating service, and I accepted the offer to start a new service. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 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 card or prepaid card

In XX/XX/2020 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX called ( targeted ) my XXXX  XXXX wife stating he could sell our unused timeshare weeks. She discussed the process with him at length and was told by XXXX that it would not take long to sell these weeks. After more than 2 hours of discussion and promises made by XXXX he pressured my wife to purchase their service right away. They made her sign a contract with both of our names on it, but never received both signatures of the owners. I was not involved because my wife thought the issue was resolved since we had not been provided any proof of services that they allege were provided. 
Going back to a week after the transaction my wife began to feel uncomfortable with the perceived deception she contacted XXXXXXXX XXXX XXXXXXXX and XXXX assured her that they would sell the weeks and to be patient. Still concerned that she was deceived she contacted Chase dispute office and opened a claim. After indicating to XXXX that she thought he was deceiving her, XXXX told her that the weeks would be sold within 90 days. Chase validated our home address every time she called and she waited for the correspondence, never to arrive. The Chase Executive representative stated it was not a Chase problem after leading us to believe they were working on it for 7 months. 

After 30 years as a customer I will be changing banks due to Chase allowing a company to deceive customers and Chase unwilling to do anything about it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorougn investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked unaccurate : XXXX Financials Account # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am the third party. This company called me regarding my sister 's debt that I have no connection to at all. When I called them to tell them that they could not call me regarding my sister 's debt they asked for more information including phone numbers etc. They told me that they could not help me and to have a good day because they were a call center. I told them that they are in violation of the FDCPA and they could not contact me again. I told them I would report them and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate 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: Credit reporting, credit repair services, or other personal consumer reports

Consumer Finance, Per the attached letter from XXXX  XXXX, and the prior complaint number XXXX, Equifax is to remove all the late pays from my XXXX  XXXX account ending in # XXXX. Please have this handled immediately as its damaging my credit and affecting me from obtaining a home loan. Thank you.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date 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
Product: Debt collection

I filed with you in 2022 about ide.tity theft. 
A debt collector XXXX will not stop harrasing me about this debt everyday. It was identity theft and they r taking me to court on XX/XX/XXXX and judge says I have XXXX say in anything. I need help.
Product: Checking or savings account

I deposited {$100000.00} with Marcus on XX/XX/15. On XXXX I tried to access to add more funds, only to find that they had locked my account. I called, the rep had no information, other than they will not allow access to my funds, and will not tell me when they will either allow me access or return my funds. I have called 4 times, XXXX, XXXX, I have spent HOURS on hold, spoken with XXXX, XXXX, XXXX, XXXX XXXX XXXX ) and XXXX, and nobody there can give any answer other than to wait another 5-7 days and call back. This is unacceptable behavior from a supposedly professional company. 

How do I get my money back?