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

I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that XXXX, Experian, and XXXX do what is legally mandated by the FCRA and FDCPA, and delete the account listing of XXXX XXXX. XXXX, Experian, XXXX, and XXXX XXXX received a demand for validation from me. As of today, XX/XX/XXXX they have failed to provide any proof from their investigation and/or validation of debt. I have sent multiple letters and disputes since XX/XX/XXXX. Again, I have received no response but a copy of my credit report. Instead, XXXX XXXX is illegally updating my credit report as charged off each month with a balance due and remarks stating it was written off. The FDCPA states they must cease collection activity until they produce verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 12 months since it was requested. As per the FCRA, if no proof of debt exists, it may not be reported to the credit bureaus as they are required to report ACCURATE information. The FCRA also states that the credit reporting agencies must receive written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence as evidenced.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get XXXX XXXX XXXX XXXX ( XXXX ) XXXX Headquarters XXXX XXXX XXXX XXXX, CA XXXX and the credit bureaus to correct my credit report with no success. My debt with XXXX was discharged in Ch XXXX bankruptcy on XXXX XXXX, 2017,  yet XXXX is still showing me past due. They did not report me correctly during ( post-petition and pre-discharge ) or after my discharge. I have evidence to backup my claims. My credit was pulled by a creditor yesterday, and they gave me a copy of the report from Equifax showing that the XXXX XXXX and Equifax are still showing me with a " code 7 '' which says to the dealer I am past due on this debt. This is affecting the interest rate that I am able to get. Funny thing is, the report that Equifax shows to me, the consumer, looks right. But there is a " behind the scenes '' reporting that goes on that creditors see that consumers are not allowed to see that is not correct and I was fortunate enough to get this copy from the dealer. This willful refusal to correct my record post-discharge is robbing me of a fresh start and preventing me from getting a fair interest rate. The dealer is telling me that I am showing late with XXXX but all my other discharged debts are reporting correctly on their report. I have disputed this XXXX debt several times with each of the 3 credit bureaus and have contacted XXXX 's credit reporting dept. directly and was assured it would be fixed by XXXX months ago. I am asserting and claiming that they are involved in corrupt and deceptive reporting practices when my report shows something different than what the creditors actually see, and that this action is " willful '' disregard for the laws. To deceive me into thinking my record is correct by falsely reporting to me one thing, and then keeping the database of information inaccurate for what is shown to creditors that pull my credit, is deceptive and fraudulent. Thank goodness I had a creditor who was willing to give me a copy. I have attached a claims register showing XXXX was included in my bankruptcy, the discharge notice and the credit report from the creditor, showing a code 7 which means I am past due.
Product: Debt collection

I.C. System, Inc account number XXXX is trying to collect a debt from me I sent them a letter on XXXX for the original purchase Agreement to show that they can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an assignment or a receipt between them and XXXX.I.C.System, Inc is the creditor reporting inaccurate information on my credit report.I.C system, Inc should have sign documentation between me and them. So if they cant provide me with these documents l ask them to delete this account immediately as its damaging my credit rating. I no account with I.C. System and if I have an account with XXXX am not saying I do I never gave them permission to sell the debt to I.C.System, Inc.I.C system have 15 days to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character.
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense XXXX. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Checking or savings account

On XX/XX/2023 my chime account ( XXXX XXXX  ) was hacked and accessed by an unkown individual for {$1600.00}. Through the peer to peer function on the app. Not even 5 minutes later did I contact chime to file a dispute and all they told me was it will take until the end of February to resolve this issue. I did not authorize this and do not understand that since I caught this so quickly why they could not reverse it. I have not been able to get an answer of when my money will go back and by law the bank has 10 days to look into this matter which they have not even begun. I can not even see the dispute on my app as everyone from chime told me I would be able to.
Product: Debt collection

i have contacted this collection agency and told them that this account was never mine. my personal information was used without my consent. i need this fixed immediately
Product: Mortgage

My understanding is that when a company purchases a loan from another loan company, a borrower has a XXXX day grace period during which the borrower can not be charged any penalty or late fees due to late payment. Roundpoint Mortgage during their purchase of my loan also transferred the automated payment details from XXXX XXXX without any agreement by me. I was not given the ability to opt-out, nor did I approve Roundpoint 's processing of my automated payments. 

Additional details : Roundpoint Mortgage Servicing LLC NMLS ID XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In   XXXX   XXXX   XXXX     mariner finance sent me a check that I could deposit and would be a loan. At the time my son was in the middle of a divorce and needed money so I borrowed it and he was supposed to pay it.     I gave him all the information and he was supposed to pay it. I found out he had n't paid it as promised so I tried to call them to get the information I needed to make payments on line. I am  XXXX  so getting to the store was n't an option. I called and left detailed messages no less than  XXXX  times without a single return call.     they filed suit in  XXXX , in the suit they put down an amount higher than the principal I had borrowed, and when I paid it off they had the whole balance listed as principal, when I asked how the balance was broken down they would n't tell me. I have no idea what I paid or if they compounded interest. I also noticed they collected more than what they filed suit for and I never got a square answer about that, they just said do n't pay it and deal with out lawyer and the court. very unprofessional.
Product: Checking or savings account

Complaint Number : XXXX XXXX Ms. XXXX, Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ). 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB. Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX. to XXXX XXXX Eastern. 

I look forward to assisting you. 

Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX extension XXXX XXXX- XXXX This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http :  //www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Attachments XXXX XXXX  ( 8 minutes ago ) to XXXX Hello XXXX, My account is still being charged for services that I did not receive and use. I do not have access to a telephone, therefore e-mail is the best way to contact me. Yes, I did reach out to the CFPB and I will send this latest email and attachment to them as well. 

Thank you! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I can not resolve this issue as I do not have phone access. I tried e-mailing Mr. XXXX but there's a statement saying the inbox is not being monitored. Bank of America charged the {$65.00} back to my account making it go into overdraft again.
Product: Credit reporting or other personal consumer reports

Privacy Act of XXXX ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of XXXX Furthermore I was not given notice to make the decision of opting out of the disclosure. Every company owes you a privacy notice before they furnish any information to the consumer report. XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.
Product: Student loan

On XX/XX/year> I was notified that my loans were being placed in a mandatory, unvoluntary forbearance while enrolled in the XXXX plan by Mohela, and that no interest would accumulate during this forbearance ( see document 1 : " mohela forbearance notice '' ). However, I have continued to accumulate interest over the last several months. On XX/XX/year> I received a notice from Mohela that interest is continuing to accrue on my account ( see document 2 : " mohela interest notice '' ). Since being placed in forbearance, thousands of dollars have accumulated in interest on my account, and it is clearly shown that all of my loans still hold interest rates between XXXX and 7.6 % ( see document XXXX : " mohela interest rates notice '' ). I have attempted to send secure messages to Mohela through their online portal multiple times, however the website is not functional and I have never received a confirmation that my message was sent, or a response. I have also attempted to call Mohela 's customer service number ( XXXX ) and been unable to connect with a representive due to limited hours and long wait times.
Product: Credit card or prepaid card

On XX/XX/2020, I got approved for the Bank of America Travel Rewards credit card. There was a XXXX welcome bonus and the associate told me that I would get it. The conditions were to spend {$1000.00} in the first 90 days, which I did. I never got an email about my bonus and when I called multiple times, they gave me misleading information. One call center person said that I first had to earn {$25.00} in rewards to redeem my bonus. When I recently got to {$25.00} in rewards, I called them. They said they would open an investigation but I never heard back from them. I want my XXXX bonus since it was a big reason for getting this card. I am very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies is reporting wrong information on my credit report today last activity is wrong account status is wrong last payments is wrong and all collections says open account but supposed to be closed how can a collections be open I feel this is not fair I know there's laws that says I have a right to privacy and I didn't give them permission to put this on my credit report all these accounts I'm listing have a problem on it some are reaging. XXXX XXXX date last activity and account status TransUnion says open experience is closed XXXX XXXXXXXX reports that is open it's supposed to be closed Last Day activities wrong XXXX XXXX XXXX last activities wrong last payment is wrong XXXX XXXX last activity is wrong and they haven't been verified either XXXX XXXX XXXX last activities wrong XXXX XXXX again last activities around last payment is wrong and they have it not verified it. XXXX last activities wrong last payment is wrong XXXX XXXX XXXX balance is wrong last activities wrong last payments wrong XXXX XXXX XXXX is reporting open late on the 120 days collection supposed to be closed last activity is wrong last payment is wrong secured credit last activity is wrong account status is wrong cuz you says open XXXX says close. I submitted a list and attach file I Circle and highlighted every problem that I see please fix this problem
Product: Debt collection

There is a creditor on my XXXX credit report from XXXX that is a closed account. That continues to report past due. Their is nothing owed on the account and no past due amount, but it continues to report past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, i CALL ABOUT A FRAUDULENT ACCOUNT FROM XXXX XXXX. AND I'M EVEN TRIED TO CALLED XXXX XXXX ABOUT THE SITUATION AS IF XXXX AMERICANS DOESNT PAY THERE BILLS.YOU CAN EASILY LOOK AT MY CREDIT REPORT WHICH HAS OVER 50 ACCOUNTS, SOME PAYMENTS IS OVER {$2000.00} AND SOME PAYMENTS ARE LESS BUT I PAY AS HIGH AS {$20000.00}, BUT I'M NOT GON NA PAY A {$25.00} BILL, YOU CANT BE SERIOUS AND THIS LADY THAT WORKS FOR XXXX XXXX HAS DONE A FULL INVESTIGATION AND SHE STILL WONT TAKE IT OFF. BUT THE MAIN COMPANY IS EQUIFAX, BECAUSE IT IS A TOTAL OF 10 OR MORE ACCOUNTS, WHICH THE BILLS ARE {$25.00} BUT ONCE AGAIN IM PAYING OVER {$20000.00} IN BILLS MONTHLY. IT MAKES ABSOLUTELY NO SENSE.I HAVE 12 PAGES OF DOCUMENTS AND AFFIDAVITS SIGN BY NOTARIES WITH A WITNESS AND EQUIFAXREFUSE TO DISPUTE. THEY FROZEN MY CREDIT REPORT AND THEY TOLD ME THAT I TOLD THEM. SO I CALL XX/XX/XXXX AND THEY SAID OH YOU HAVE A FRAUD ALERT WHICH I DIDNT DO ALSO.. I AM REQUESTING THAT EQUIFAX TO BLOCK THE ITEMS THAT I REQUST TO BE BLOCK UNDER THE FCRA SECTION 605B. I WILL ATTACHED ALL THE DOCUMENTS TO THIS COMPLAINT.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted : XXXX, XXXX, and Experian, - XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXXXXXX attached : copy of ID, Dispute letters, & proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in response to a letter I received by Transunion dated XX/XX/2018 related to the debt referenced XXXX XXXX XXXX and the inaccuracies on my Transunion credit report. I sent two requests for debt verification to XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/2018. I stated the basis of my initial dispute was due to multiple inaccuracies across all three credit bureaus such as the date ( s ) of last activity, payment history, and the status of the account. They were unable to verify  the alleged debt with proof of a consumer contract with my signature on it. I sent a third and final request on XX/XX/2018 to have the negative file removed from my credit report since they couldnt verify the debt. They failed to positively verify with sufficient proof my legal signature on the original contract ( s ) with XXXX XXXX XXXX since they are the reporting company listed on my credit report. 

On XX/XX/2018 my score was XXXX. On XX/XX/2018 my score increased to XXXX due to XXXX XXXX XXXX removing the item from my credit report. On XX/XX/2018 my score went back to XXXX due to XXXX XXXX XXXX adding information back on to my credit file which I believe to be in violation of my FCRA rights by adding and reporting negative and unverifiable information. I requested to have all information and accounts related to this alleged debt removed from my credit file immediately. When I check my report and score each week the negative information is still listed. XXXX XXXX XXXX refuses to remove the negative information and Transunion is not doing anything about it even though I submitted my proof that the alleged debt is not belonging to me.
Product: Credit card or prepaid card

In XXXX of this year ( XXXX ) my wife and I found out someone had used my name and social security number to open a Paypal Credit Card with Synchrony bank back in XXXX of XXXX. The person who opened the account had been making the minimum payments of {$20.00} for a few months and then stopped paying resulting in this credit card being sent to collections. It has caused my credit score to drop XXXX points. I immediately contacted Synchrony Bank to find out details about this card and how I can submit a fraud claim. They verified that the address they have on file where they have been mailing bills to was not the same as my address but would not tell me the address they have on file and would not tell me what purchases were made on the card or who was sending them payments. Once I received the fraud paperwork in the mail from Synchrony I filled it out and sent it to them and they have just sent me a letter back saying they denied the claim. Their reasoning was that statements and collections notices had been mailed out even though they have already verified they did not have our address on file until I called in XX/XX/XXXX. Synchrony Bank is saying I'm responsible for this {$1800.00} credit card debt but they won't even tell me what address they have or what purchases were made. I would like to have them remove this card from my credit report as I did not open the account. Someone stole my identity!
Product: Credit reporting or other personal consumer reports

I requested my credit report and I found that XXXX and Trans Union is reporting incorrect information in my credit report that is affecting my credit Score. Im been disputing many times the Bankruptcy that is showing in credit report and they respond to me with a letter saying the information in your credit is accurate or verified with XXXX XXXX. I don't know how they verify this information when they can not disclose my information with anyone. 
This is the dates that I dispute the information with the credit agencies XXXX XXXX XXXX The public records information is never validated by the Recorder of Deeds nor the U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law.

I need help with this please and Thank You!
Product: Vehicle loan or lease

XX/XX/2022 called loan company to report that a loan/lease was reporting on my credit report that was not mine and was told that I had to call credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

Dear CFPB, I am filing this complaint regarding several unauthorized transactions on myXX/XX/XXXXXX/XX/XXXXthat I have previously reported to the card issuer but have not received proper resolution. Below is a breakdown of the disputed transactions : XX/XX/XXXX - XXXX XXXX XXXX - {$1800.00} XX/XX/XXXX XX/XX/XXXX - {$180.00} XX/XX/XXXX - XXXX XXXX - {$160.00} XX/XX/XXXX -XX/XX/XXXX {$120.00} XX/XX/XXXX - XX/XX/XXXX Service Fee - {$99.00} The total amount disputed is {$2400.00}. I never authorized these charges, and despite my attempts to resolve this with the card issuer, I have not received a refund or explanation. I am requesting that the CFPB assist in ensuring the issuer investigates and resolves this matter promptly, including issuing the appropriate refunds. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX removed a fraudulent joint {$8000.00} credit card issued in XX/XX/XXXX.and closed in XX/XX/XXXX.  Equifax deducted 7 points from my credit score rather than the low impact 2 points. I have not been able to get an explanation for this variance.
Product: Debt collection

Delete inquires using 15 U.S. Code 1681(B) & 15 U.S. Code 1681(N)
Delete Late payments using 15 U.S. Code 1666(B) & 15 U.S. Code 1637(A)
Delete collections using 15 U.S. Code 1692(g) & 15 U.S. Code 1692(c)
15 U.S. Code 1681(B) 
Delete charge offs using 15 U.S. Code 1681(e) & 15 U.S. Code 1681(i)