23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Fradulent charges were made to my Bank of America credit card. I had numerous phone conversations with individuals ( whose names I have ) assuring me that it would be resolved in my favor. Now I am informed that because I did not contact them in writing, that I am liable for the fradulent charges totaling {$26000.00}. I am XXXX years old and have been with B of Am. for 30 years. The phone conversations assured me that they were looking after my interests.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8500.00}
Product: Credit reporting

My son, XXXX XXXX XXXX who is now XXXX and soon to be XXXX has an incorrect negative report on his Experian Credit Report. This debt of {$89.00} was a debt of his parents, XXXX XXXX XXXX and XXXX XXXX XXXX which has long since been satisfied and quite honestly was sent to collections in error on the part of XXXX XXXX for XXXX XXXX XXXX. XXXX XX/XX/XXXX at age XXXX and at no time was he legally responsible for the many medical bills from this XXXX. XXXX XXXX wrongfully put this on his credit report and XXXX and I are disputing this. He 's had a rough go of it with XXXX more XXXX in XX/XX/XXXX and XXXX. He 's good and attending college now and starting off life with a negative on his credit report when he has n't even been able to establish any credit which is what he is working on. We would appreciate any and all you can do to expedite this as his parents are buried in medical debt, but he should not have to suffer from that. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need the charge-off removed from my credit report. I was in a car accident, and the dealer contracted to do the repair raised his prices on XXXX XXXX. They refused to pay the auto body company, and he kept my car. He later contacted XXXX XXXX XXXX, and they paid him and sold my car. They also added insurance, which was not necessary. If you read their review, they do this a lot to consumers and need to be investigated. This is Fraud. Im currently using the insurance company and the auto body. My Atty has contacted Affinitys legal department as well. For my accurate balance, they can issue me a 1099 and remove it from my credit report.
Product: Debt collection

Yesterday I submitted a complaint, please see ( XXXX ) for Ability Recovery Services , LLC. They did not respond to my right for them to have valid proof that they are licensed to collect debts in IL. Per the XXXX   site, they DO NOT have an active license to collect debts in this state. Please provide proof of your active license, as per the Fair Credit Reporting Act you must be licensed in the state you are attempting to collect a debt. 

In addition in that same complaint, they responded stating they sent me an itemized bill. As stated in my original complaint, AN ITEMIZED BILL IS NOT PROOF OF VALIDATION. Proof of validation requires you to provide me with a document bearing my signature to show proof that I am obligated to pay this debt you say I owe. 

Please provide proof of your active license to collect debts in the state of IL and also please provide proof of Validation, not an itemized bill as that is verification, not validation that I requested. Again, if you can not provide proof of both of these requests, I will be pursuing legal action and my lawyer will be contacting you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within XXXX  days gives reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the person.
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness, and I kindly request the swift removal of the late payment designations from my account.
Product: Credit card or prepaid card

CapitalOne Platinum denied a credit limit increase as stated after 6 - 12 months of payments. The company has repeatedly denied me a credit limit increase based upon false pretenses.
Product: Credit card or prepaid card

I have a capital one business credit card. I paid the balance off in XX/XX/XXXX to a XXXX balance .I did not receive a statement from capital one. I checked my credit in XX/XX/XXXX and discovered that capital one reported a 60 day late charge. On XX/XX/XXXX I called capital one. I was told that since my email was not opened from them regarding statements they discontinued sending paperless statements .They wo n't send a statement in the mail if I signed up for paperless. I advised them I have not been late on a payment before and if I am not informed of a balance by statement the bill will go unpaid. The charge was a revolving $ XXXX daycare that should have been discontinued. Due to not receiving a invoice paperless and it not defaulting to the mail I was not aware of a balance and it dinged my credit XXXX points and more than {$250.00} in late fees. I spoke to a rep and a supervisor and account manager and was told by Capital one they do n't send an invoice if the email goes unopened for a period of time. I asked them why they would not call me or send it the mail and They could not provide me an answer.
Product: Debt collection

I lived in the apartments in XXXX, TX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX number XXXX. I lived in this apartment for two years, and put in several work order request for needed repairs. I can count on one hand the number of times they came to fix a request and that was for a request I put in maybe a year prior to when they actually came to address it and even then still did not fix the issue. I have provided the letter that was sent to the corporate office prior to moving out 1 month before my lease ended. I moved out because the apartment was unlivable and I was never offered a replacement apartment until mine was fixed. I also sent the front office a certified letter advising them that I was going to move out if they did not honor their end of the lease agreement. I went to the office and was talked to very badly and even was threatened to have the police called if I didn't leave the office. My ceiling had water pour through the ceiling fan, the top of the base of the window and through the roof in the corner above my TV. My bed, TV and dresser were ruined. The bathroom had water pour through a vent above the tub that caused black mold to form around the vent. I reported maybe a year prior that my plugs in the living room and guest bedroom couldn't have anything plugged into them or it would smell like a fire was started inside the wall. I just didn't use the plugs in those areas for the time I was there. In the response to my letter sent to corporate, they sent it to the manager who replied and her reply is attached. This lady was very rude and treated people as if she was doing the residents a favor for having such cheep rental amounts. She stated this in so many words to me on the two occasions I went in there to complain. Her words were " Why are you complaining the rent is only {$700.00} dollars ''. I advised here that I did not ask for that price, this was the price listed on the internet and it was something I could afford at the time to make sure my son didn't have to attend a DISD school, We were living in XXXX prior to this move. I have video of of the ceiling leaking and the mold I just need to locate the phone I recorded it on. Mind you this was back in XX/XX/XXXX, I figured they knew they were wrong and would let it go to show they tried to make it right by not placing this on my credit report. I have tried to make sure my credit was in order for this important time in my life, I am trying to become a home owner and am due to close on XX/XX/XXXX if I pay this {$1000.00} to the collection company or have the item removed. This has caused me to get a higher interest rate and possibly mortgage insurance. Once the video 's are located I will upload them. I also included my attorney on the letters after having to pay her a {$1000.00} retainer fee, that I borrowed from my brother along with the funds to move unexpectedly. This company is practicing slum lord tactics and need to be stopped before this happens to some one else. I also intend on filing a law suit after I close to also show them that I do not appreciate the way me and my son were treated during this time.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This does not belong to me. It must be an error. I 've never used XXXX XXXX. XXXX XXXX XXXX Closed : XXXX XXXX, 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute XXXX XXXX I didnt authorize that Dispute one main I didnt authorized it
Product: Vehicle loan or lease

XXXX   XXXX   XXXX  charged off a voluntary repossession on  XXXX , closed the account on  XXXX . They sold the note  to Cascade Capitol, LLC  in  XXXX , FRAUDULENTLY showing a payment as having been made in  XXXX  in order to re-open the account. There was NO payment made. The y ( Cascade ) began  reporting late on our credit starting  XXXX , continuing to present date.
Product: Checking or savings account

Please refer to case XXXX XXXX XXXX mentioned in their doc that they confirmed with BOA that the transaction was successful and the receipent was credited on XXXX XXXX. However, that was not true. The receipent is my wife, and she did not get the money in her BOA bank. 

Either XXXX XXXX  provided false information or BOA did.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are companies out there looking for my personal information, and one of them showed up on my credit report. I wasn't familiar with this company ( XXXX XX/XX/2021 ), but it looks like they put in an inquiry without getting my permission first. This isn't possible unless they have a permissible purpose, which is outlined in U.S. Code & 1681 es seq section 604. If they don't have a legitimate reason to be looking into my credit, I'd like them to remove this inquiry from my report or send me documentation proving that they are allowed to do this.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of accounts and transactions that do not belong to me. This mix-up is highly concerning and has caused unnecessary stress and anxiety.
Product: Checking or savings account

On XX/XX/year>, I attempted to complete an online transfer of funds w/ Ally Bank from my money market savings account to my checking account. Both accounts are with Ally Bank. The amount I attempted to transfer from savings to checking is {$2000.00}. I repeatedly received an error message stating that " The amount you entered is higher than the amount available for transfer. Please enter a lower amount or call us 24/7 for help. '' I called Ally for help and waited on hold for over 15 minutes. I was told that there was an Ally-initiated hold on my account and the bank refused to permit any transfer of funds out of this account. The bank is frequently and inappropriately holding my funds hostage in this savings account. The bank has issued no communications to me whatsoever indicating that withdrawals or transfers were restricted or otherwise not permitted. Further, the bank issued no communications to be advising how to cure this issue. Now the bank has unilaterally restricted access to my funds with no clear path to resolution. The agent with whom I spoke advised that they were unable to address the problem and advised that I call back the following day. This is entirely unacceptable.
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 719XXXX  has me at a score around 590. 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: Debt collection

Commenity bank will not stop calling day after day about 6 times a day. When I do n't answer them, they start calling from a private number, when I ask who is calling, they will not tell me.
Product: Debt collection

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay the debt, the debt collector must cease all form of communication. Report to consumers credit reports are a form of communication, which is a violation of the law.

The company responded that they are not the appropriate company to address your issue, but they are showing on my credit report that I got on XXXX. So yes it is there appropriate company. This is a law as well for lying to a consumer.
Product: Credit reporting or other personal consumer reports

The post office furnished derogatory and inadequate info on my credit report. They overpaid me due to no fault of my own. I'd been attempting to resolve this for at least two years, with them directly. Only recently, like within the last two/three weeks did someone advise me how I was overpaid. There was some type of bonus that they duplicated via payroll processing. I was oblivious. Now, that, it was been properly explained, the debt was immediately rectified. I expect the collection to be removed. It appears to have impacted my credit score adversely. I have also contacted TransUnion, directly, via phone and online, with no resolution as of yet. My most recent contact was today.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX and the credit reporting agencies ( Experian, Equifax, and TransUnion ) for violating the Fair Credit Reporting Act ( FCRA ) by improperly reporting a charged-off account and failing to correct inaccurate information after my formal disputes. 
This account was charged off in XX/XX/XXXX, yet the credit bureaus continue reporting it as past due in XXXX, which is illegal re-aging under FCRA 623 ( a ) ( 5 ). A charge-off means the balance should be {$0.00} past due, but the creditor falsely updates it, harming my creditworthiness. 
Additionally, the original balance was {$300.00}, but the creditor now reports {$480.00} as charged off. I requested a breakdown of fees and interest, yet no explanation was provided. 
Under FCRA 611 ( a ), I disputed these inaccuracies, but the credit bureaus failed to correct or delete the tradeline, violating my rights as a consumer.
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  Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : DEPTEDXXXX  Account Number:XXXX  has violated my rights. Or a 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

In XX/XX/year> I redeemed some Credit Card points ( Barclay Card ) and received XXXX XXXX XXXX Gift  cards of {$50.00} each. I used XXXX of them with no issues however the fourth card was empty. So I contacted both Barclays and XXXX XXXX. 

Barclays rejected my claim ( see attached ) but I got confirmation via email from XXXX XXXX ( see attached ) stating that the gift card was never activated and never had any balance. 

I called Barclays customer service today and was told that as per their terms of service I had past the 90 days period in which I can make a claim. I read the terms and the 90 days does not apply to gift cards. 

I feel cheated out of {$50.00}
Product: Credit reporting or other personal consumer reports

( SEE ALL ATTACHED DOCUMENTS TO THIS COMPLAINT ) XXXX XX/XX/XXXX Dear Experian, There is information on the consumer credit report you have assembled with my name, XXXX XXXX, that is a result of identity theft. I did not initiate, nor did I provide any instruction for the identified transactions to be furnished on my consumer credit report. I am now requesting that you block and remove the specified information from my report within four days as specified by law. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. I obtained no possession of goods, services, or money as a result of these fraudulent transactions. The identified transactions are not information related to any transactions by me as the consumer. Please block and remove the following items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have mailed your identity theft department all documents as well. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of breach on my social and notices accounts that I did not recognize, which one was the XXXX XXXX I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on