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

To whom it may concern, Thank you for service. 

This complaint is concerning a Victoria Secret credit card account. This account was opened XX/XX/XXXX. It reports on my consumer file as CB/VICSCRT. This account was closed and charged-off as a bad debt and sold to XXXX ( XXXX XXXX XXXX ). I paid the account if full to XXXX XX/XX/XXXX. They in turn removed there mark from my consumer file. This account is closed and reports to XXXX ONLY as CLOSED, PAID IN FULL by Victoria Secret and still remains on my consumer file today. 
A cancelled debt or a charge-off is considered income according to the most recent IRS instructional publication. Furnishers of information are required to report debt to the consumer reporting agencies, not income. Why is this account still being reported? Victoria Secret never sent me a 1099c.

15 U.S. Code 1681s-2 clearly states the duty of furnishers of information. Its states they shall not furnish any information relating to a consumer to any consumer reporting agency if the person ( corporation or company ) knows or has reasonable cause to believe that the information is inaccurate. I have put them on notice numerous times. I have disputed this account personally over 10 times and have hired 2 separate companies to get this item remove from my consumer file. The inaccurate reporting of this account has been detrimental to me and my familys ability to obtain credit and to qualify for a XXXX  Veteran Home Purchase. I am demanding that Victoria Secret remove this inaccurate and invalid information from my consumer report because they are in clear violation of the law. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have numerous fraud over the past years- in XXXX XXXX I have had 4 credit cards and checking accounts opened up in my name. When I downloaded a credit report -synchrony card bank says that I have had a paypal credit with an outstanding balance- I have had frudulent activity with my paypal and XXXX accounts- when i dispute this they say its deemed as that i benifited from the accounts- but i have had no proof that it was infact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I utilized Lexington Law Firm for credit repair services from XX/XX/XXXX to XX/XX/XXXX. During this time it was expected that they remove all negative credit factors from my account. They failed to do so to a satisfactory degree. 

The company violated the Dodd-Frank Wall Street Reform and Consumer Financial Protection Acts prohibition on deceptive acts and practices in the marketing and promotion of its services. The company also allegedly violated the Telemarketing Sales Rule by charging illegal advance fees and making deceptive statements. 

Under the law collecting fees for credit repair services is illegitimate until certain conditions are met around the delivery of services. The company charged a variety of fees for its services before demonstrating that the promised results had been achieved as required by law. Specifically, the company charged initial fees and also charged set-up fees totaling hundreds of dollars in monthly fees. 

Additionally by the law, the company misrepresented that its credit repair services would, or likely would, result in the removal of negative entries on consumers credit reports. The company also misrepresented to customers that its credit repair services would, or likely would, result in a substantial increase to consumers credit scores. The company lacked a reasonable basis for making these claims.
Product: Checking or savings account

Hi, Bank of America charged me {$900.00} in checking account maintenance fee over 3 years ( {$25.00} X 36 months ) on an account that I didn't want to open in the first place. This was an account I never used in the last 3 years. The terms of the account fees and services were misinformed at opening time. At opening time, Bank of America assured me that keeping a high balance savings account will waive any checking account fees and this condition was satisfied. Since I was told there would be no fee on all my accounts so long as I keep high balance in my savings account, I never expected any monthly fees. Since I never needed this account in the first place, I never paid any attention to it nor did I used it. It was only recently by chance that I realized I have been charged over {$900.00} in fees over 3 years on an account I never used. 

I believe Bank of America either intentionally misguided me into opening a second checking account without disclosing all the financial obligations or they were confused themselves and thus were unable to explain accurately the financial obligations to avoid account fees. In either case, I was persuaded into opening a second account even though I didn't want it. I only opened it because there would be no account maintenance fees. I would never have opened a second checking account had I been informed that I must pay any fees to maintain it. Bank of America informed me that they will continue to charge $ 25 monthly fees to this account going forward, despite my request to 1 ) refund all the {$900.00} fees, 2 ) close this account after the refunds are processed. To avoid monthly fees during this dispute time period, I added additional funding {$5000.00} to this account. But please note that this was purely for the purpose of avoiding paying additional fees. ( However, I found on on XX/XX/23, another {$25.00} fee was charged to my account. ) It was not my intent to agree with their decision or to actively use this account. I believe BofA 's failure, intentionally or negligently to accurately inform me the monthly fees schedule was the sole reason why this unwanted account was opened. Had they fully and accurately disclosed all the information at account opening, I would not have been misguided into opening this account. As verified by the lack of active activities on this account, it was never opened with the intent to use. I insist on a full refund of all the $ 900 monthly charges. It is egregious of Bank of America to misinform customers to open accounts never used only to charge {$900.00} account fees over 36 months and claim innocence for this practice.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX. There are a lot of accounts, incorrect addresses and names mentioned on my credit report for both Transunion XXXX XXXX that I do not recognize. 

Thank You.
Product: Debt collection

Cease and desist USC1692 using abusive tactics to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

" TFC CREDIT CORP '' IS REPORTING A BALANCE OWED AGAINST ME HOWEVER, WHEN TRYING TO CONTACT TFC CREDIT CORP, THEY ARE STATING THAT THERE IS NO BALANCE IN THEIR OFFICE UNDER MY NAME. I HAVE CALLED COUNTLESS TIMES TO GET THIS RESOLVED BUT WITH NO SUCCESS. TFC KEEPS TELLING ME THAT THEY CAN NOT LOCATE THE BALANCE. IF IT IS A TRUE DEBT THAT I OWE, I AM WILLING TO SETTLE IT BUT TFC IS NOT WORKING WITH ME. I ALSO MAILED THEM A " DEBT VALIDATION '' REQUEST OVER 30 DAYS AGO AND HAVE NOT RECIEVED A RESPONSE. THIS IS A VIOLATION TO MY FCRA RIGHTS. TFC CREDIT NEEDS TO DELETE THIS ACCOUNT FROM MY CREDIT OR UPDATE THE BALANCE TO ZERO. I HAVE ATTACHED A COPY OF MY IDENTIFICATION, THE DEBT VALIDATION REQUEST I MAILED TO TFC, AND A SCREENSHOT OF THE TFC ACCOUNT REPORTING TO MY CREDIT.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Leased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid XXXX in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that XXXX has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with XXXX XXXX  to no avail and I now need help from their regulator.
Product: Checking or savings account

I stayed at the XXXX XXXX in XXXX of 2021. I paid for my stay in full upon checkout. 
In XXXX of 2021 they debuted my account again for {$390.00}. When I reached out I was told that the batches from the dates of my stay didnt settle and they recharged everyone who stayed. They advised me to dispute with my bank. My dipute was denied XX/XX/2021. In XX/XX/2021, I was charged again. A representative of XXXX XXXX told me that the dispute was approved and should have repaid the provisional credit from my bank. When I was charged again in XXXX, {$390.00} was taken from my own money as the provisional credit only brought my account balance to {$0.00} and out of the negative. Today, Chime bank reversed the provisional credit and my account is now negative {$390.00}. Ive paid XXXX XXXX XXXX XXXX NOW. Chime will not block the merchant and XXXX will not stop charging me!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a patient at a medical XXXX practice.I had XXXX  tests done resulting in {$1600.00} bill. An agreement between the medical practice and myself was reached to pay in monthly installments. many months passed and all bills were paid on time. The Doctors of the medical practice decided to dissolve the practice. They decided to sell all accounts receivable to a debt collection company, thus giving them immediate cash, my remaining debt was {$370.00}, I was notified that another agency would be taking my monthly payments. I was not informed that this would effect my credit score. It shows up in the credit bureaus as " a bill gone to collection '' sending my credit score from XXXX to XXXX this resulted in me being denied refinancing on my home the cancellation of a credit card which has resulted in many other hardships. I have tried to resolve this with the medical practice, but there records dept is an answering machine with a full mail box. the credit bureaus are now investigating this issue. The credit bureaus are the ones that told me this would come under " unfair practices '' and report it to the FTC, thus this complaint.
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA for reporting an account that you were advised to remove from my credit report. In my CFPB complaint ID # XXXX to the collection agency, XXXX XXXX  XXXX XXXX they stated that you were informed in XX/XX/year> to remove the account XXXX from my credit report in which you failed. The company stated to give you 90 days to see any changes, but it has been well over the deadline and this account remains. I am demanding the removal of account XXXX XXXX XXXX XXXXXXXX within 7 days. Please see the response letter from the company and delete this account immediately.
Product: Credit reporting or other personal consumer reports

Reinvestigation follow up dispute I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. I disclosed a copy of my drivers license and social security card to show I am the person sending this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is my 2nd attempt to rectify a serious error on the part of Equifax Credit Information Services LLC. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply from my 1st complaint ( see attached response to my 1st complaint ) Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. The disputed Discharged Chapter XXXX Bankruptcy # XXXX is currently reporting as discharged. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Equifax provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', Equifax would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

Equifax has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. IN ADDITION, Equifax has violated the FCR Act Section 623 ( a ) ( 3 ) & /or FDCP Act Section 807 ( 8 ) by not placing a notice of my dispute on my credit report w/in 30 days
Product: Credit reporting or other personal consumer reports

To Portfolio Recovery, I am writing to formally request validation of a debt that Portfolio Recovery Associates LLC claims I owe. I believe this debt is erroneous, and I want to ensure my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Debt : - Creditor : Portfolio Recovery Associates LLC - Account Number : XXXX I am requesting the following information to validate this debt : XXXX. The total amount of the debt, including a breakdown of any fees or interest applied. 
XXXX. Documentation showing that Portfolio Recovery Associates LLC has the legal right to collect this debt, including a copy of any contract or agreement that connects me to your company. 
XXXX. Any records of communications regarding this debt, including the date of the last payment made on the account. 

Please be advised that I have the right to dispute this debt until it has been validated, and I request that all collection activities cease until I receive the requested information. If you can not provide the necessary documentation to validate this debt, I expect that you will remove any related negative information from my credit report.
Product: Credit reporting or other personal consumer reports

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Credit reporting or other personal consumer reports

I don't know where this XXXX XXXX account come from or why it is showing on my Experian and XXXX credit report. Please assist me in getting this account removed from my reports.
Product: Checking or savings account

I created a check-in account with truist before XXXX XXXX and I was eligible for their TRUISTXXXX. Offer which should have credited XXXX dollars to me after completing the requirements of 15 debit card transactions and XXXX dollar direct deposit. Which I did, but i haven't received my XXXX dollars into the account. I am not able to see tick/check marks regarding the requirements that i have completed on offers.truist.com as well. Even though I have completed the requirements.
Product: Credit reporting or other personal consumer reports

The account showing on my credit report was closed over XXXX plus years ago and this company, Capital one, continuously reports recent delinquencies and claims to report until XXXX. This is not legal and I will follow up with my current attorney as well as CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX # XXXX, n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked up my credit report and noticed a bunch of car inquiries on my credit report that I didnt authorize because I just got me a car XXXX of 2021.
Product: Checking or savings account

This Complaint is against XXXX XXXX XXXX at Wells Fargo Executive Office- at Wells Fargo Bank . XXXX XXXX is the most recent member of the W.Fargo Executive Office and the Enterprise Complaints Management Office, to take over my Case / Complaint against W.Fargo. Ongoing for 14 months thus far- due to W. Fargo allowing my Retirement Savings of {$8800.00} to be drained through Fraudulent Transactions- -- AFTER I had everything in place to prevent this -- specifically my W. Fargo accounts deactivated and disabled. 
I was wrongly thinking that if someone works with the Executive Office, they should be seeking a Resolution. And this issue is what my Complaint is based on!! XXXX XXXX has only notified me x 1, that she now has my case. I have sent several Emails- no response. MANY, Many, attempts to call XXXX XXXX, no answer, no return calls, and strangely, no way to leave a message. Therefore, how can we finally get a Resolution in my Case, if XXXX XXXX refuses all communication with me!! 
And this validates once again, the reason that Wells Fargo has been voted the most hated bank in America in many, many, on-line surveys. AND WELLS FARGO IS VERY, VERY, WORTHY OF THIS NOMINATION. JUST DO YOUR OWN RESEARCH!!
Product: Mortgage

I began the short sale process XX/XX/XXXX with Everbank Mortgage and XXXX. I submitted all requested documentation several times over and complied with all requests. Everbank approved the short sale XX/XX/XXXX. XXXX verbally agreed to an amount they would receive from Everbank. Then, XXXX sold the loan to XXXX who has now asked for over twice the amount that XXXX had agreed to and Everbank, who is the XXXX Mortgage, will not agree to more than {$6000.00} to the XXXX. Neither one is willing to negotiate to conclude the short sale and the only one that will be hurt by this is myself and my husband, who will now have a foreclosure on our credit. If the investor agreed to an amount with XXXX prior to them selling the loan at the last minute to another servicer, then why would n't the same servicer agree to the same amount? This is the new servicer trying to recover funds that are not available in a short sale. How was XXXX even allowed to sell the loan at the end of a short sale negotiation? This is unethical. I am asking you to please get involved to help get this short sale completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.
Product: Credit reporting

All XXXX ( XXXX ) bureaus continue to place freezes or alerts on my report without my knowledge or consent. I have asked them to remove the freezes/alerts to no avail - they keep adding them. Under FCRA 605A ( a ) ( 1 ), fraud alerts can only be placed in the credit file at the request of the consumer and Under FCRA 605A ( a ) ( 1 ) ( A ), a fraud alert can be removed simply at the request of the consumer at any time ... 

I have not authorized ANY of the bureaus to place anything on my credit files and the alerts/freezes THEY have place on my files are hindering me from obtaining credit as no one is able to obtain my report.