23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) {$3600.00} balance {$7300.00} balance I never opened an account with this debt buyer, this seems to have been bought from XXXX XXXX, but both accounts was CLOSED and marked as PAID/Charged OFF by XXXX XXXX XXXX 

I was never informed that the XXXXXXXX XXXX sold the debt after closing/charging off the account. I was made aware of this by pulling credit to buy a house. 

Below XXXXXXXX XXXX remarks on accounts : Remarks Charged off as bad debt Canceled by credit grantor Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX and Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX
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 Account Number : XXXX Account Name : 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 or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within XXXX DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

I have a charged-off account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX with an original balance of {$8200.00}. I contacted the bank and learned that XXXX is managing my account. On XX/XX/2024, I set up a payment plan with XXXX for {$120.00} per month and made my initial payment. 

Despite this arrangement, XXXX XXXX XXXX  reported to the credit bureaus on XX/XX/2024, that I have not made any payments and that my outstanding balance is {$12000.00}. This is inaccurate and damaging to my credit report. 

I have attached documentation of my payment plan and proof of my initial payment. I would appreciate your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$3300.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX balanced {$17000.00}, XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX balanced {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX balanced {$0.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX balanced {$0.00}, XXXX XXXX XXXX XXXX XXXX balance {$2000.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX and XXXX has continued to report students loans on my credit report after providing I was an ex felon with a criminal record and on parole. The school I attended stated that I was not in violation of fraudulent activity because the school administration allowed me to enroll. They committed fraud. The department of education clearly stats that a criminal record disqualified payment of student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 accts on my credit report that do not belong to me I have been disputing these since XX/XX/XXXX I need them off my credit report since they are not mine I have not applied signed or doner anything with these companies and I dont know why they are reporting incorrect information and ruining me!!!! 

XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$680.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX opned XX/XX/XXXX {$680.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTSXXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Proff of Ownership
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding an inaccurate late payment reporting on my XXXX XXXX  account by Equifax. Specifically, Equifax  is reporting a XXXX late payment on my car loan in XX/XX/XXXX, which is not accurate. 

On XX/XX/XXXX, I made a payment of {$390.00} to XXXX XXXX  for my car loan. However, the next statement generated by XXXX XXXX  showed a payment of {$390.00} was due on XX/XX/XXXX. I did a trade-in of my vehicle, a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in which the dealership was supposed to pay the payoff amount to TD Bank. Therefore, this late payment is not reporting accurately, as the payment to XXXX XXXX  was the responsibility of the dealership, not me. I drove off with a new car on XX/XX/XXXX. 

I have attached supporting documentation, including the statement from XXXX XXXX  showing the payment of {$390.00} I made towards the car note on XX/XX/XXXX, the statement from XXXX XXXX  showing a payment of {$390.00} due on XX/XX/XXXX, and the sales contract for the new car, dated XX/XX/XXXX, which includes additional details regarding the vehicle trade-in.
Product: Checking or savings account

I received a grant donation to purchase a vehicle from my local church. They deposited the funds into PayPal last night. I have made multiple attempts to transfer the funds to my bank account so I can withdraw the money and pay cash for the vehicle per the request the private seller. I have called and verified everything with PayPal twice. They insisted that the funds are available and there are no holds on the account. Yet Im still unable to send the funds to my bank or even another PayPal account. I have been given a time limit by the seller and I will lose the vehicle if I am unable to come up with the cash by XXXX tonight. The vehicle is replacing my totaled vehicle and is so I can continue to work my delivery job.
Product: Checking or savings account

POLICE REPORT # XXXX I was a victim of Debit card fraud on XX/XX/year> at Chase Bank XXXX Address and time of transaction is below : Chase Bank XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX, in person at teller with only debit card ( no identification ) Chase allowed the thief to use a stolen debit card in-person at a teller to withdraw {$6500.00} from my savings account without proper identification. To be able to withdraw that amount of money from a savings account without proper ID is negligent on behalf of Chase. I have filed a police report and plan to involve a lawyer as Chase has denied my claim. 

Police are investigating, and camera footage will make it clear that it was NOT me in the bank and that proper ID was NOT asked for. I plan on taking this to the highest level as this is my personal savings account and I counted on Chase to protect my money. I've spoken with XXXX managers in-person as well as speaking with Chase claims and no one will assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account XXXX : XXXX XXXX Account Number : XXXX
Product: Debt collection

In XX/XX/XXXX, in response to a letter from Harris and Harris saying that I owed a past-due tax balance to the XXXXXXXX XXXX XXXX  from XXXX, I went to the website provided in the letter and filled out the form asking for verification of the validity of the debt being collected. I also informed Harris and Harris that I was disputing it on the basis of expiration of the Statute of Limitations, even if the debt was shown to be valid, because the code of the XXXX XXXX XXXX stipulates a seven year Statute of Limitations on collections of tax debt, and the alleged tax owed was from thirteen years prior. On XX/XX/XXXX, a garnishment/lien was activated on my bank accounts, collecting over {$1300.00} from both mine and my daughter 's accounts with no notice whatsoever. When I checked with the bank, they gave me the number for Harris and Harris and said that was where the lien originated. So I contacted Harris and Harris and asked why they were proceeding with collections when I had requested validity and had disputed the debt and they have not responded. They checked and said that they could see my submission requesting validity and that it was still being reviewed. They told me that I would have to speak to the legal department who could remove the garnishment since the validation request was still under review. So I called the legal department. The person in the legal department was very rude to me and told me that even though I had disputed it, that the debt was still valid until proven otherwise and that they could continue to collect. When I informed her that the law said the exact opposite, she told me to take it up with the XXXXXXXX XXXX XXXX  and hung up on me. I know my rights in this case, and I know that they were not permitted to place this garnishment until they responded to my request and gave me the opportunity to settle the debt with them, if it was valid. This garnishment has not only provided a hardship for me financially, but the rudeness of the person ( who only identified herself as " XXXX '' ) in the legal department at Harris and Harris and her insistence that they had a right to collect while reviewing my request was a violation of the Fair Credit Collections Act. It is especially egregious that they have taken over three months to review my request, and use that as an excuse to pursue collections in this manner.
Product: Credit card

I called to close the credit card, because of really high interest. Answered all the questions and the card was not closed. The representatives were rude and unpleasant. Very Upsetting. Now they still applied the high interest and wont close the card with the original agreement.
Product: Debt collection

There is an account showing on my credit report for XXXX XXXX XXXX. the amount is {$600.00}. This account is not my account. I am not responsible for this payment. They have not been willing to provided me with the information that I have asked for. such as, CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

with that being said I will not be taking ownership of this account and would like it removed from my credit report.
Product: Debt collection

I have a collection on my credit report from Galaxy International Llc. The original company it says was XXXX XXXX XXXX. The amount is for XXXX and apparently the account was opened 5 yrs and 5 months ago. I have no knowledge of either agency and have received no notification from Galaxy International before being sent to collections. I have disputed asked for debt validation on two separate occasions through credit bureau ( XXXX ). Those dates were XXXX XXXX and XX/XX/year>. Both disputes were denied and no documentation or reason was given. I also reached out to the Galaxy agency requesting debt validation in XXXX and am still waiting for any form of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not allow access to the free annual credit report. I established an online account several years ago and have had no problem until today. 

The agent told me that to access my credit report, I would first have to cancel my current free account and then open a new subscription account. The agent did tell me that credit freezes and disputes could be handled with my current account, but I am unable to login into the account. 

It looks to me that Transunion is up to their old tricks of XXXX customers to improve their profits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the loan companies to report credit history on all accounts along with payment history. The loan companies are all student loans not installment loans and have never been late. The companies initially made the corrections to the accounts but someone keeps going back and removing the corrected information them as they are correcting them within the reporting agency system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am inquiring about the XX/XX/XXXX missed payment on the Band of America XXXX XXXX. I scheduled an auto-pay on the Bank of America XXXX and XXXX XXXX  did not schedule the payment on XX/XX/XXXX to the XXXX  I spoke with Bank Of America and was told it may possibly be a systematic error that has occurred, but they have not changed the false record of the missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX not conducting timely investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On Friday XX/XX/21 I made a deposit at a Bank of America in XXXX XXXX, Ca. It was around XXXX. Once I was about to complete the deposit, the ATM crashed and the deposit didnt post to my account. They basically told me there was nothing they could do, they have to conduct an investigation which could take up to 45 days. Meanwhile I have none of my Money and no guidance from the bank. The deposit was cash and check and the teller said she could see my deposit but it has still not posted to my account.
Product: Credit card

I received a new credit card from Bank of America ( Visa ). I called them because I tried to activate the card and the number was busy multiple times. then receive a letter that my card was frozen. Mind you I have never opened the account. I called B of A and spoke to someone who supposedly cleared the freeze and opened the account. I tried 2 times at 2 different locations to use this card. Both times it got declined. I called again each time being told nothing should be wrong with this card. Yesterday I called again and talked to the fraud department. I was on the phone with them over 1 hour and 30minutes. They told me I had to go to a branch with 2 forms of identification to to unfreeze the card. This has been a headache from day 1. I refuse to do anything. I asked them to cancel the card, they will not. I need help. I do not want this card or any affiliation with Bank of America. I need someone to help me, please? I have wasted 4 plus hours of my life trying to fix this. Bank of America refuses to help me. 

Please help, XXXX XXXX