23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The first letter sent out on XX/XX/XXXX asking experian I said This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. No proof was giving to me and they just closed the dispute. If this is a charge how is it still reporting a pass due balance!? On XX/XX/XXXX I sent another letter for XXXX XXXX letting them know that This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due!!!!! But the information still remains the same!!!! Experian isnt investigating the matter and just keeps closing out my disputes for XXXX XXXX and XXXX XXXX XXXX with no explanation!!!!!!
Product: Credit card or prepaid card

Capital One keeps asking me for information. I have already furnished that information many times. Its just a way for them to blame me when they close the case. They closed my last complaint with the attached letter. How can they be compelled to actually address the dispute?? 

Recently, someone named XXXX at telephone XXXX ext XXXX called me. In her message, she mispronounced my name badly, twice. She asked me to call her back, which I did. I included the dates and times that would be convenient for me to have XXXX call me back. But Im still waiting for that phone call. She never called me back. Instead, Capital One posted the attached letter, completely abdicating their own responsibility to resolve my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY XXXX  CREDIT PROFILE. THIS INFORMATION IS ERRONEOUSAND MUST BE PERMANENTLY REMOVED ASAP.THESE ARE NOT MY ACCOUNTS. I NEED TOHAVE THESE ACCOUNTS REMOVEDIMMEDIATELY PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with PenFed and they admitted that the 30 day late payment should of never been reported.
Product: Credit card

I reviewed my XXXX account, and noticed there was a pending charge for a Capital One credit card. I do not have Capital One so I called my bank to start the process to cancel that payment. I then called Capital One to get information about who was responsible for using my bank account to pay for their credit card. I offered to give them my bank account information to look it up and was told they cant. After speaking to possibly seven different people, the last being a manager, I asked for the legal information as to where to send a law suit, like a registered agent, the lady said all she could give me was the main correspondence address and nothing for legal. I can not send a demand letter, or legal documents to a general correspondence address as that will not hold up in court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish
Product: Credit reporting or other personal consumer reports

Several concerns have been identified, including unauthorized or unapproved inquiries from multiple creditors, as well as data breaches : XXXX and XXXX : Data breaches reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Verifications.io with TransUnion and XXXX : XXXX reported in XX/XX/XXXX. 
XXXX XXXX XXXX : Data breach exposing personal information on XX/XX/XXXX. 
Summary of Creditor Inquiries : Creditor Name Type of Business Date of XXXX Credit Bureau XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( Non-Medical ) XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Factual Data Mortgage Companies - Credit Union XX/XX/XXXX TransUnion
Product: Debt collection

company keeps calling saying that they are collecting a debt. They will not tell me who they represent and ask for personal information.
Product: Debt collection

I am XXXX XXXX, and I am submitting this complaint regarding BMO BANK NAs conduct through this portal. I began an arbitration process with XXXX. However, despite multiple notifications from both XXXX  and myself, BMO BANK NA has failed to provide a formal response. Their lack of communication suggests an attempt to avoid their obligations in this matter. Attached is a copy of the latest notice sent by XXXX  to BMO BANK requesting payment of their fee. 

This situation has been quite stressful, as I have been attempting to resolve it for several months without any formal acknowledgment from the company concerning the arbitration. I respectfully ask that appropriate action be taken to address this matter as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports were made about incidents last the 7 year look back rule. I did not get the job I was seeking even though my record is clean for the last near ten years and information from almost ten years ago was released for a job paying less than XXXX XXXX a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although receiving a result to resolve the dispute based on a previous complaint, the credit reporting bureaus have not updated my credit report at all in a timely manner. The XXXX XXXX account for the amount of {$960.00} was a result of identity theft. Both police and FTC XXXX were filed accordingly over a month ago. Police reports XXXX and XXXX and FTC reports number XXXX.
Product: Checking or savings account

My wallet was stolen onXX/XX/XXXX. I had a temporary Bank of America card that I reported stolen and I later received the permanent debit card in the mail. 2 weeks later I find out my bank account is dropping and apparently my temporary card which was stolen was never deactivated like it was supposed to be and someome was charging my temporary card over and over again at the same "XXXX"  grocery store XX/XX/XXXX 4 times back to back for a total of about XXXX$. I called Bank of America and they deactivated the stolen card but are now telling me I have to wait 3-10 days to get my money back. This is absurd and wildly unacceptable.
Product: Debt collection

I got a letter in the mail today then 5 minutes later called the sender XXXX. XXXX. The letter was signed by XXXX XXXX, XXXX XXXX. I spoke with XXXX XXXX. She said I wrote a bad check to Wells Fargo sometime in 2008 in the amount of {$1000.00} and I now owe XXXX. XXXX {$2700.00} because they were retained by Wells Fargo. She also stated that I performed malicious intent to fraud a banking institution. I use to have a bank account with Wells Fargo, but they never paid a bad check and that account was closed in 2008. I got a similar call about 4 years ago and contacted Wells Fargo, who stated that they have no record of me owing any debt to them. I have never received any correspondence or calls from Wells Fargo regarding me owing them any money, which is what I told XXXX XXXX. I see that this company has in the past used a different number and other complaints with almost the same scenario as mine. I have no record on my credit report showing an outstanding debt with Wells Fargo. The letter and XXXX XXXX stated that further legal action will be taken if I did n't not settle this debt. I told them I would seek legal representation if I needed. Why should I have to pay money for an attorney on something I know I do n't owe.
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  XXXX XXXX Account Number : XXXX has violated my rights. Or 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 card or prepaid card

I opened a credit card with Synchrony Bank/Mills Fleet Farm in, I think XXXX or XXXX of XXXX. I say I think because the only correspondence I received from Synchrony was the actual credit card. I made a purchase, I think for about $ XXXX, when I opened the card but NEVER received a statement. Suddenly I received a notice from an agency that took over the debt saying I owed {$340.00}! I am very upset that I never received a statement, yet Synchrony had my mailing address and has added fees and interest. I mailed Synchrony a letter on XX/XX/XXXX about this but never got a response. I called them in XXXX and they told me I had to talk to the agency that took over the debt. They would not discuss the matter with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily gave a XXXX XXXX back to the bank after much hassle in speaking with them to pick the vehicle up. It's been about 3 months since they took possession of the vehicle and still continue to report an open account, thus increasing the amount and continuously reporting incorrect information on my credit report instead of stating that the account is closed. This is deceptive practices.
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 an 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

these are the accounts I marked as inaccurate : XXXX XXXX XXXX {$440.00}, {$460.00} XXXX : {$440.00} XXXX XXXX : {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I filed a dispute on and account that closed in XXXX. The account is past 7 years of being on my credit report and Ive filed several disputes for the past 3 years. Experian refuses to resolve this and keeps extending the report to stay on record till XXXX. This is unacceptable.
Product: Vehicle loan or lease

I have two vehicle loans with Ally Financial Services, one is for a new vehicle purchased in 2017 and a used vehicle purchased in 2017 as well. I am only about 14 days behind on my payments for both vehicles and I am planning on paying both loan payments within the next 3 days. They have been calling me up to 20 times per day every day for about the last 10 days and they will call me two times in a row on my personal number and leave a message each time and then call me two times on my work number and leave a message both times and then switch back to calling my cell phone back to back. This is tantamount to harassment in my opinion. It is not like I am 30+ days late on my loan payments and they are calling me non-stop! I was not able to select the exact problem on the previous questions because there wasn't really an option to select that matched up. Please do something about this, it is honestly ridiculous. 
Here is a list of the call times today as of XXXX XXXX : 2 calls back-to-back at XXXX XXXX today on my personal number 2 calls back-to-back at XXXX XXXX on my work number 2 calls back-to-back at XXXX XXXX  on my work number 2 calls back-to-back at XXXX XXXX on my personal number That is already 8 calls by XXXX XXXX today and I will be getting these phone calls all evening until at least XXXX which could amount to at least 8 more phone calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX, Transunion, and XXXX To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX   XXXX  Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

** Filing this complaint on behalf of XXXX XXXX XXXX who is the account holder and for which I am an authorized signer on the account ** I am filing a consumer complaint against BANK OF AMERICA XXXX, located in XXXX XXXX XXXX XXXX, XXXX, NC ( XXXX ) For further reference : The claim original number is XXXX and I also submitted a claim of my own, asking for reconsideration of the case- Number XXXX I was debited USD XXXX and USD XXXX respectively on my business account and informed me it was " XXXX XXXX XXXX XXXX " XXXX a customer I sold consulting services to, on the following dates, paid via BofA internal transfer to my company account - XXXX XXXX XXXXXXXX The invoices were XXXX XXXX : XX/XX/2021, Invoice No. XXXX, amount USD XXXX XX/XX/2021, XXXX XXXX. XXXX, amount USD XXXX Both invoice payments were made the same day in the account via BofA internal transfer from the buyer 's account ( his name shows up in the statement ) 10 days later, on XX/XX/2021, two debits show up on my account for the same amounts so I called the bank to get further information. When calling the online fraud investigation hotline ( XXXX ) I was informed that the customer ( XXXX XXXX XXXX XXXX ) had claimed the transactions as fraudulent on XX/XX/2021. 

It is very implausible for such transactions to be fraudulent, since before being authorized, they have to go through Two-Factor authentication with the account holder 's registered cellphone, calling the bank for manual phone authorization to release the transfer, email alerts and/or other things as his username and password being compromised, which sounds very implausible without any cooperation from the claimant/account holder. 

In short, I suspect a chargeback fraud scheme was enacted upon me by the customer/account holder and the bank helped the perpetrator by authorizing an illegitimate chargeback. 

Furthermore, I wasn't provided any kind of details on what factors did they take into account when making the decision to debit my account ( chargeback ) and, most importantly, the debits were never put on temporary hold before making them definite, which did not allow me any time to defend myself/state my case with the Bank. 

Look forward to solving this matter by reinstating the money ( {$6500.00} ) back into my account in the name of XXXX XXXX XXXX, regards
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX 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 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: Credit reporting or other personal consumer reports

This account thats appearing as a collection is not mines XXXX has already addressed this issue. Since then, they have requested for this account to be taken down it is not mine as I was a victim of identity theft. This needs to be removed immediately. Please see supporting documentation from the creditor themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account Experian several times for over a year disputing the ownershio of an XXXX XXXX. Experian is systematically and fraudualently continuing to report this account information to bring harm to my name. I would like the computer fraud to stop. Experian is collecting money from companies like XXXX XXXX at any cost. Please stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries, hard inquiries that I have asked Equifax to remove several times already, via certified letter. They have ignored everything that I have asked and provide no explanation. 

The following several hard inquiries have been performed on my credit which has dropped my credit score. 

They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have NOT authorized any of these companies to utilize my credit reports to provide me any credit. I never implied a request, or verbalized a request or given them a handwritten request. 

They have illegally put hard inquiries on my report. 

Please remove these inquiries from my report as this is contributing to the drop in my credit score which has been going on for months!
Product: Payday loan, title loan, or personal loan

Well, I received a loan from inbox loan company on XX/XX/2018 for the amount of XXXX. At that time I wasnt aware that annual percentage rate was 780 %, Ive made payment my first of XXXX   on XX/XX/XXXX but after that payments have been XXXX  on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and at this rate if I dont pay off the XXXX  plus XXXX Im one full amount i will be making XXXX every other Thursday until XX/XX/XXXX. Ive already paid back more money than i received from them but The payments are becoming a problem and I feel like i was taken advantage of because I didnt know it would be this hard to make balance the payments with my regular bills.
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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$7800.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have on several dates, XX/XX/20, XX/XX/20, & XX/XX/20, sent letters to Portfolio Recovery asking for the company to verify the debt they claim I owe. To no avail has the company provided any contracts that I have/had with them. This debt is unverifiable and has no validity.