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

I asked transunion and XXXX to be compliant with federal tax code by disputing several items on my credit report to which they havent complied with regards to my complaiimt. Article 26 the United States Federal Tax Code states : " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. '' When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force transunion and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking trabsunion and XXXX do the same.
Product: Credit card or prepaid card

I talked to a lady wit h American Express, wanting to cancel my cre dit card because I did not want to pay the annual {$190.00} annual fee. She advised that I cash in my points before I cancelled. I followed her advice. After I received my movie tickets, I cancelled the account. The account is now closed and I ca n't access it because it has been closed. I then receive a statement and a late fee which now amounts to {$220.00}. I called  American express an d asked that the renewal and late fee be removed because I cancelled the account and now I do n't have the account. It has been closed. Both the lady,  XXXX  and her supervisor, a  XXXX   XXXX   XXXX  informed me that no one in the whole  American Express  companies could cancel or refund this fee. I now do not have an account, but I have been charged the   XXXX   renewal fee. Account no. ending in  XXXX .
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 1681XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX-Account number XXXX, XXXX XXXX XXXX- Account Number # # # # # # # # # # # # # # # XXXX, XXXX XXXX XXXXAccount Number # # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-Account Number # # # # XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX, XXXX-Account Number # # # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # 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: Mortgage

Bank of America has prematurely, improperly, and unlawfully began and continued the foreclosure process including the foreclosure sale of my home and property. 

Bank of America 's motivation for the premature, improper, and unlawful foreclosure and sale is due, in part, to my refusal to accept the Bank of America settlement agreement with the DOJ and AG offer of XXXX XXXX, XXXX and the terms of the now foreclosed upon XXXX Deed of Trust changed requiring Bank of America to pay all property taxes and insurances on my behalf. What this means is until a settlement offer is accepted, the bank must continue to pay out on my account. It basically costs the bank several XXXX dollars a year on an account pending in the modification process where I am not required to pay monthly installments until the modification process is complete, as a matter of law. These two things, when coupled together, is why Bank of America chose to Dual Track and begin the foreclosure process before completing loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.
Product: Credit reporting or other personal consumer reports

For 2nd time please update my personal info. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX
Product: Credit card

I have a XXXX XXXX XXXX credit card issued by Chase Bank. There is a {$95.00} annual fee for this card. Chase provides a year-end summary that can be downloaded from their website. This summary shows all charges by month and by category. But this summary does not include the annual fee.
Product: Debt collection

I have never given permission to furnish the information to Lvnv Funding Llc. Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
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 XXXX Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : 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

I have tried several times to dispute an item on my credit report with Experian. This has been unsuccessful. Ive also reached out to XXXX XXXX XXXX XXXX also. I have been battling XXXX, XXXX, and XXXX throughout the years which has made it even more difficult to resolve this matter. The XXXX XXXX XXXX XXXX account on my report contains inaccurate and unverifiable information. I contacted XXXX XXXX again recently to get this information corrected. Experian stated they verified that the information was accurate with XXXX XXXX XXXX XXXX. XXXX XXXX confirmed that they did not receive any communication from Experian to verify the accounts accuracy. The account number is listed as inaccurate, the date opened is inaccurate, the high credit is inaccurate, the date of last active is inaccurate, and the date of last payment is inaccurate. Experian has different information being reported than XXXX. The informal XXXX has reported is also inaccurate. I have attached a copy of the dispute letter that I sent to Experian with the copy of the item listed on my credit report with the information highlighted. I have also attached a copy of my drivers license and social security number for identity verification purposes. A printout from my credit report is also included. I am requesting that Experian delete and block this item from reappearing on my credit report as the information is inaccurate and unverifiable.
Product: Credit reporting or other personal consumer reports

My credit report is not reflecting the same information. The Wells Fargo auto account is showing that the last payment update was on XX/XX/XXXX on XXXX and XXXX XXXX is showing XX/XX/XXXX, and XXXX doesn't have a WellsFargo auto account showing at all. This issue is hindering me from proceeding in future consumer credit transactions and i will love help to resolve this matter as soon as possible. If possible i would like this account removed due to inaccuracy through my credit report ( FairCreditReportingAct ). Thank you.
Product: Vehicle loan or lease

THE AUTO LOAN WAS OPEN FRAUD FROM XXXX XXXX XXXX IN XXXX XXXX I CONTACTED THE FINANCE COMPANY AND THEY SAID TO REPORT it to THE 3 LARGE CREDITORS AND ALSO FTC IM IN A BAD HOUSING SITUATION AND NEED THIS REMOVED FROM MY CREDIT HISTORY SO THAT I CAN MOVE FORWARD WITH MY LIFE IF YOU SEE I HAVE A CLEAN CREDIT SLATE CAN YOU PLEASE ADVISE PAC TO REMOVE THIS AT ONCE MY LIVELY HOOD IS AT STAKE DUE TO FRAUD I AM A MOTHER OF XXXX I NEED THIS SITUATION HANDLED AT IT IMMEDIATE MATTER THANK YOU XXXX XXXX XXXXXXXX XXXX
Product: Payday loan

My mother is a SSI XXXX recipient. Payday loans should not be extended to people who are either only getting SSI or XXXX are their income.
Product: Debt collection

Upon reviewing my recent credit report, I identified multiple accounts that I believe were added without my permission and are incorrect. I request immediate removal and blocking of these fraudulent entries.
Product: Credit reporting or other personal consumer reports

Midland credit management inc XXXX XXXX This account is reporting the wrong information, I have no clue what its attach to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is reporting that there are missing payments on my account number starting with XXXXwhich i have never made late payments and this account should be paid off in full instead of being a charged off account i paid this account in full
Product: Other financial service

Several checks were issued from XXXX for possible claims reimbursement or some type of distribution of money. These checks were signed by another person and my signature was forged on others and the checks were cashed. After speaking with XXXX, they said it was Chase 's job to create an audit/test the process from the check cashing. Chase also released my personal information after it was changed to another party causing further distress.
Product: Debt collection

I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!
Product: Credit card

I was incorrectly advised {$240.00} in interest by capital one relating to a balance transfer. I had called to confirm the date that a payment was due ( and paid by that date ) and there was nothing on any statement relating to the end of an offer or an interest amount. 

On calling Capital One it took 12 minutes to get an answer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

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

Guys I highly believe that with all of my efforts of disputing since last year, that Im being willfully violated regarding my credit. I disputed my credit report for all accounts in XX/XX/XXXX after having to apply for a mortgage for my family to have a place to stay. I was being turned around because all of the accounts that are being charged in my name. I requested an investigation and original proof to be sent to me. I got absolutely nothing back. Not only that I decided to send a reinvestigation letter through certified mail on XXXX XXXX to all 3 bureaus and requested specifically that every date, balance, verification of debt, payment history and all be checked thoroughly again. However, there has been no correction only more reportings that arent the same across all 3 bureaus. Im now out of a home with my 2 children and my wife and have no other option at the moment to get my own place of living. 

Im have over XXXX accounts from the same Creditor : Account Name : XXXX XXXX XXXX Account # XXXX being reported on my credit report. They all show the exact same account number, but completely different Date Open, High Credit, Payment History, Date Last Active, and more. Then theres XXXX  more accounts with the same account number under XXXX  XXXX name, with lots of blank data from all XXXX bureaus. 

XX/XX/XXXX is the oldest account under the names which is already XXXX years of age and the oldest account being reported is XX/XX/XXXX which is XXXX  years of age. 

Again, its been few attempts to hear back from them. 

Section 607 ( b ) by FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I saw on the CFPB bulletin for XXXX XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were 5 things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 
Ive been mistaken for other XXXX XXXX continuously, but this time it actually cost me housing and denial from banks and damaged credit. 
Im requesting monetary relief per violation ( and willfull violation ) and for the damages that were caused and money spent trying to fix the same issue multiple times.

15 USC code 1681n ( a ) ( 1 ) ( A ) Also, consumer reporting agencies must Correct or Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 

I will attach both proofs of credit reports I pulled from XXXX XXXX ( in XXXX ) and XXXX XXXX ( XXXX and XXXX  ink only ) to compare if they thoroughly investigated and corrected anything. I will also list the tracking numbers below for the disputes. 

Tracking Number : XXXX XXXX XXXX XXXX XXXX ( Transunion ) : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid USAA in full for a charged off credit card in 2019 in the amount I was told by the representative. I noticed on my reports several months later that usaa has continued to report a charge off status monthly on my report. This is illegal to keep updating monthly after the account has been paid. Only after calling usaa after several months was I notified that there was a XXXX cents balance deft on the account. I was never notified of this and was told the balance was XXXX. The balance on the account was even reported as XXXX on my reports. Usaa continues to report a monthly charge off on my report suppressing my scores which is again illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan from Conns showed up on my credit report around XX/XX/XXXX. It shows the account was open in XX/XX/XXXX. The amount owed is {$1800.00} and the account went 30 days late on XX/XX/XXXX. The account does not belong to me. The first time that I called Conns they kept telling me that I do not have an account with them. I insisted that its showing on my credit report and causing my score to go way down. The next time that I called Conns, I finally got ahold of someone that would listen and dug a little deeper. He did find an account that was somehow linked to me by some accident. He gave me account number XXXX and then transferred me to the fraud department. I spoke to the lady in the fraud department and she admitted that it wasnt actually fraud, that Conns was just reporting it wrong. She assured me that they would look into it and gave me a ticket number XXXX. That was in the beginning of XX/XX/XXXX and as of today, I have yet to hear back from them or be able to get in touch with them. I need this item removed from my credit report immediately due to Im trying to buy a house. This isnt the first time that Conns has linked someone elses account to my credit report. It did happen years ago and they resolved the issue.
Product: Checking or savings account

I learned recently that Navy Federal has been illegally charging overdraft fees. I wanted to see if I was one of the people who were wrongfully being overdraft.
Product: Debt collection

It was charged off on XX/XX/XXXX. My last payment was XX/XX/XXXX Its been reporting since XX/XX/XXXX as late payments
Product: Checking or savings account

Received an offer from them via email earlier in the year for {$250.00} bonus with promo code XXXX, for opening an yield pledge checking account by XX/XX/XXXX and making a deposit for {$1000.00} and the bonus will be deposited within 120 days from account opening date. Since I already have/had a money market account with them for a while, at first I tried to open an account online but since there was no place in the application to enter the bonus code, I decided to apply via telephone and told her that I wanted to make sure that she enroll in this bonus offer XXXX XXXX XXXX. The person took all information and submitted the application but it seems it went pending for review and that I would hear back within 2 days. Since I did not hear back I called after 3 or 4 days and the person said the application has been approved and I again asked if bonus XXXX XXXX was applied and to my surprise the person said that she does not see the XXXX XXXX in my application but she was going to make sure that it was applied while I was on the phone and said she did that. I made the {$1000.00} deposit through employer account but until the end of XXXX had not seen the {$250.00} bonus posted to my account. So, I logged in to my account online and sent a message asking about this on XX/XX/XXXX. A week later I saw the status of the message as " read '' in the message center but no one has responded yet but this is not the first time where they read the message but do not respond. NOTE : When I have called them in the past especially during the application and later on during some account issues, I have had long long wait times and have even their voice recording mention wait times of XXXX minutes - so I welcome the person handling this complaint to reach by email so I can communicate with the person responding to this complaint directly and not by phone. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2021, I mailed off an identity theft report to TransUnion. TransUnion never updated me on fraudulent accounts being removed off my credit file. It has been over 30 days, and the company has not responded to my report. By law, the items in dispute need to be removed from my personal credit file immediately.
Product: Debt collection

Company called and was hateful and harsssing tone and stated I owed debt that I never owed. I was forced to go to XXXX in XXXX 55 miles from my home to contact the business department, phone calls had long wait because of covid. I was forced to expose myself to possible XXXX XXXX by going to a medical building to take case of the false complaint that had been paid. I put myself at extreme risk because of my age and medical conditions to take care of this false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus in XXXX pertaining to inaccurate information reporting on my credit. It has been more than 5 weeks and I have not received a response and the FCRA says they are required to respond in 30 days.
Product: Debt collection

Priors, and neither updated response did or, does not comply to ( properly ( claim of ) validated debt ) all requests within several attempts at disputes to invalid debt collection practices ; 1 ) Proof of your right to own/collect this alleged debt. 2 ) Balance claimed including all fees, interest, and penalties. 3 ) Contract bearing my personal signature. Yes, its a FDCPA violation which you insist to report to credit bureaus ; XXXX, XXXX and XXXX to your gain in self agreement that its okay to attack and damage my character validated statement at disputed claim. 

Requests for validation of collection been ignored beyond the refusal, to provide myself ; not presented. I now reserve the right to sue your company for the violation of my consumer rights to alignment myself with both ; FDCPA and FCRA seeking damages if, when warranted with Estoppel defense. Under no sanction if patient ( myself ) was or wasnt provided services by medical provider ( XXXX XXXX XXXX XXXX ) at your company expense ; to an attempt to collect a false debt. Within what obligated rejects, to state against in response the demands of evaluation to disputed accounts : # XXXX ( {$990.00} ) and # XXXX ( {$660.00} ) as mentioned ; in denial to prove valid informative ; at request. 

How could we specify in jurisdiction such amount in complete validated stated We are not in possession of medical records, treatment notes, diagnosis, or any other information that would be considered a HIPAA violation. which to the understanding ; the company been aware of this inaccuracy due to XXXX by Silence. You agree with myself on all grounds of termination of this debt to cease all invalid debt collection practices, damages, including harassment in the response to no resolution ; deletion notices to all credit bureaus, notified of this no later than 15 days. This stops now, or lawsuit processed under no hesitation within discussions in due respect need for received.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed the 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 Experian 's inaction violates federal law and my rights as a consumer