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

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX PORTFOLIO RECOVERY or XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX A Account number XXXX with a balance of {$1400.00} and another alleged account {$200.00} is inaccurate. I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Checking or savings account

On XX/XX/2022, XXXX payments were presented against my account, which resulted in an overdraft on XX/XX/XXXX. The overdraft was - {$1200.00} ; however, these payments were returned. On XX/XX/XXXX, I received a communication that my account was frozen until I deposited {$1200.00}. On XX/XX/XXXX, {$2500.00} was electronically transferred into my account. From this point forward, my account showed an available/on deposit positive balance when logged in. On XX/XX/XXXX and XX/XX/XXXX, debit card transactions were processed. Today I discovered that an ACH payment to a credit card for {$380.00} was returned because my account is frozen. I am confused because a {$2500.00} deposit was made on XX/XX/XXXX, more than what was needed to unfreeze the account. Two debit transactions have been processed since then. I was told that because the two payments returned on the 3rd could be re-presented, I would need to deposit {$190.00} to cover these potential debits as well as the most recent payment I made -- I made this payment because I was unaware that my account was frozen, having received no further communication after making the deposit. I was not instructed of anything more after complying with the deposit request. 

I asked that a stop payment be put on the sole check of {$1000.00}, which had been returned on XX/XX/XXXX, to guard against it being re-presented. This check is what overdraws everything. Even with doing this, I still need to deposit enough funds to cover this check even though it will be stopped. 

The irony is that if that check had been re-presented, I had enough funds to cover it, but since my account was frozen, it did not go through, and I had no idea. I don't understand why they didn't do their normal process of paying everything and just returning the check instead of freezing my account. 

As a result of the freezing of my account, the two additional credit card bills I paid out of this account yesterday will be returned. I would not have made payments against this account had I known it was frozen. Now I will be subject to three credit card fees and potentially worse.

I am experiencing economic hardship, and Citibank has only worsened my burden. They have opaque and capricious policies, which are not made clear to the customer. When I can, I will shut down all my accounts with Citibank. I became their customer through acquisition -- the bank where I was a customer was a local one they bought. I chose a local bank to avoid this level of callousness.
Product: Mortgage

Our Bank of America XXXX mortgage was included in our Chapter XXXX Bankruptcy XXXX, XXXX. We completed the payment plan and the bankruptcy was discharged XXXX XXXX. After the bankruptcy was discharged, Bank of America starts reporting our account as 180 days delinquent and over {$10000.00} past due. I sent documentation to their XXXX XXXX location on XXXX XXXX, XXXX, revealing the papers and discharge. So they remove the {$10000.00} past due and show a XXXX balance on the account, but failed to removed the delinquencies that popped up ( XXXX and XXXX, XXXX, 120 days past due ) and then XXXX XXXX. We are trying to refinance our mortgage under Harp before the program expires in XXXX. You can not lawfully report delinquencies on an account when the trustee is making the payments and there was no breech to the contract. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX  ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Hard Inquiries from the same Entity XXXX XXXX for XXXX XXXX XXXX XXXX for the Dates XX/XX/XXXX and XX/XX/XXXX ... 

The Hard Inquiry for XXXX XXXX was not Authorized. 

I already had a Car Installment Loan by the same Company for the Previous Year.
Product: Credit card or prepaid card

I have opened a Dispute with Bank of America and it was filed under the wrong description and miscategorized as my friend was the one that helped me with the initial Dispute.I called several times to have them work through this with me and edit the information since I have proof that the merchant was never shipped to me and seller took my money. Bank of America seems to be adamant in helping me out. Today XX/XX/2018 I called again and the supervisor I was talking to hung up on me when I offered to email proof that seller never shipped merchandise to me. Bank of America should be helping me not killing me and I am very appalled.Seller gave me tracking number from XXXX as XXXX ( number does not exist ) in tracking system. I believe I have been scammed.

I attached correspondence with the merchant to this Dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian DID NOT verify the information into XXXX XXXX XXXX remark on my credit report. They didn't verify the date that it was opened, they DID NOT verify the address and signature on the application, they did NOT verify the status, all they did was say it was updated. 

PER the FTC that is NOT a proper method of verification. Again, I have NO signed contracts with XXXX XXXX XXXX, the address they supposedly verified I never lived. So, how can they verify the information. Name and JUST SOCIAL SECURITY NUMBER? I thought when you applied for credit, you had to also put the address you resided in addition to your name and social XXXX XXXX XXXX - Account Number - # XXXX
Product: Credit reporting or other personal consumer reports

US DEPT OF EDUCATION-CFPB Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX account number XXXX US Department of education. 

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. My transaction history is not public information and under terms and conditions it clearly states they will not disclose any transaction information to a third party..Please remove all transactional history or any financial details listed therein my credit report.
Product: Debt collection

I'm writing in regard to Zions Debt Holdings, LLC. I was on a call with an agent on XX/XX/XXXX where the agent promised me a settlement amount of {$300.00}. I called back today XX/XX/XXXX to pay the agreed upon amount and was told there was no record of that information. After management pulled the recorded call from XXXX, they were able to verify this was the information given to me, but instead said that they had " mistaken my account with someone else 's '' even though verifying information is required before continuing a call with them. When I asked for a copy of this call, they refused, and the general manager XXXX XXXX stated that he " doesn't care how many times I request it '' he " will never give it to me. '' I asked for the supervisor ahead of him and he refused to provide me with any contact information. When I was dissatisfied with the service and tried to explain to him that I submitted supporting documents confirming my account with the original creditor was closed in XXXX, XXXX told me that " excuses are like XXXX '' and that I should " take some responsibility in your life and pay the amount. '' In reference to the cancellation, I provided an email correspondence between the original creditor and I where I requested the service to be cancelled and TWO messages confirming the receipt of my cancellation request. To my knowledge, the requests confirmed my account cancellation, but XXXX alleges that if the original creditor made a mistake after sending me confirmation, I am still responsible for the bill. I still offered to pay the {$300.00} to just remove this from my records but XXXX let me know that the " {$300.00} doesn't go in his pocket '' and that he " doesn't care '' and still insists I pay the entire amount. XXXX also informed me there was no way I could get in touch with the supervisor, owner, or anyone further and advised me to give up and pay.
Product: Debt collection

There is currently an account from a company called XXXX/fortiva reported XX/XX/14 that is negatively affecting my score and I just recently became aware of this. I need this incorrect debt removed from my credit reports please. I found this debt using XXXX   XXXX.
Product: Student loan

After four unsolicited " transfer or sold '' servicers of my student loans, I have been with FedLoan since XXXX of XXXX. I have been working toward the PSLF program having submitted my first employer verification form in XXXX of XXXX, another on XXXX, XXXX and XXXX. I have worked for the same agency 18+ years. I first contacted Fedloan in XXXX of XXXX asking about my " qualifying payments ''. They responded that I had 11 qualifying payments. I then made at least 4 email inquiries asking them what form of proof I needed to submit to prove additional payments had been made and under the correct plan. I then contacted them in XXXX of XXXX, and was told my payments were still at 11. I contacted them in writing again in XXXX of XXXX and received a response from them in XXXX of XXXX saying I had 11 qualifying payments, after I had made at least 30 qualifying payments directly to them. I then spend endless hours reviewing an gathering my documents which proved qualifying payments. I once again requested an update on my qualifying payments and was told I had not re-certified my employment, which once again I had, but I resubmitted it. In early XXXX of XXXX I logged into U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM ( NSLDS ) and they reported that I had made 114 monthly payments made ( 114/120mo ) 95 % toward my PSLF. I contacted them again and asked how to get this corrected. they told me that the NSLDS was incorrect, and that only Fedloan could decide my qualifying payments, and it could take 3-6 months to do so. I once again asked who could receive my proof of payments and they said they did not need them as they had all of the history on my student loans. They then failed to process my IBRP paperwork that was sent on XX/XX/XXXX, so my payment jumped to XXXX a month which caused me overdrafts at my bank, and for ht first time on years for my loan payment to be late. I got that resolved an returned to my auto pay, Today I checked to see what they had for " qualifying payments '' and it said 71. I then logged innto the exact same U.S. DEPARTMENT OF EDUCATION, NATIONAL STUDENT LOAN DATA SYSTEM ( NSLDS ) and found they had changed my qualifying payments to 71 as well, in addition to other information on the report being changed. I have every document needed to prove payments were made that far exceed the 71 I am currently being credited with including credit bureau records. I could produce all email contacts and proof of my inquiries since XXXX. I can not begin to count the hours I have spent trying to resolve this discrepancy. I am now over the 120 payments and will need to continue to make payments to protect my credit. This is illegal in every way, but allowed because no one is in charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below you will find the list of institutions that got a copy of my credit report in the past I have had no luck removing them with previous methods so this is my final resort. Please delete these inquires off my credit report. 

XXXX inquiry date XX/XX/XXXX, XXXX inquiry date XXXX XXXX, XXXX, XXXX  inquiry dated XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX BANK inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX  inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX OF XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX.
Product: Credit reporting

EQUIFAX fails to remove the XXXX XXXX account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account balance is {$50000.00}. EQUIFAX reports incorrectly that this account is past due {$50000.00} even though XXXX CARD issued a XXXX. EQUIFAX reports incorrectly this account Credit Limit is {$43000.00}. EQUIFAX reports incorrectly that this account is currently over it 's Credit Limit. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Debt collection

The following company never proved their methods of verification through several stages of written credit disputes : PORTFOLIO RECOVERY ASSOCIATES The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, account assigned to attorney, collection agency add a derogatory mark on my credit report per XXXX XXXX Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name Credit Reporting Agency are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


NAVY FC ( Finance ) XXXX XXXX ( Bank ) NAVY FCU  ( Finance ) NAVY FCU ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) NAVY FCU ( Finance ) XXXX XXXX ( Finance ) XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK ( Bank ) XXXX XXXX ( Bank ) XXXX BANK XXXX ( Bank )
Product: Credit reporting, credit repair services, or other personal consumer reports

block fraudulent account from credit report due to identity theft XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX  {$8900.00} XXXX  {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$82.00} XXXX  XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have this account under investigation this company is not following the CFPB rule and Guidelines, Truth In Lending Act rules and Guidelines, The U.S.Codes and or XXXX XXXX under Title 6. They have Committed fraud willingly and knowingly with XXXX XXXX XXXX. Attached are what they have done in depth. As this account is under investigation/ dispute this company is still reporting to the CRA and are still sending me Fraudulent Statements. This company disclosed nothing to me. This company has no License to do business in my state ( DE ). They are not backed by any government agency in the USA.
Product: Credit card or prepaid card

I have a dispute with my online banking account FOUND they are denying my disputed claim of {$1200.00} and it's is their fault that my money was taken.so the end of XXXX XXXX a few transactions to the time of {$600.00} that I didn't make and I had no idea what they were XXXX tried to contact the merchants to see what these charges were for, no luck so I filed a dispute with FOUND telling them that {$600.00} had been stolen or used on my card or account without my permission and I opened a dispute well I thought I did about 2 days later I received an email that made me check my found account and more money has been taken now there has been {$1200.00} stolen from my account and I had to stay on chat and make sure they opened a dispute and secured my money well I was never offered provisional credit and I kept trying to get a hold of a supervisor atter nearlt 25 business days hhas past and no response from my bank so I'm messaging repeatedly and to only geta response back the they would not be honoring my dispute because I failed to keep my account safe how is that possible I took every single precaution that was available to me and I notified the correct parties about the unauthorized activity and I did everything within my power to ensure my moneys safety and for found to blame me for it just infuriated me Because I had to them that money was gone and they let more of my money get taken it stolen after I made them aware that I did not know what those merchants were I did not make those purchases they still after that allowed the same merchant to steal more money from me please help me get my money back
Product: Credit reporting or other personal consumer reports

Hard Inquires for new credit were done on my credit report without my consent, I didnt approve for any of this, someone have being using my information for fraudulent purposes. 

The this of companies or banks that were use to request this credit/loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Square Inc. took {$210.00} from my bank account on XX/XX/2022 stating that XXXX ( an email that I have never used nor heard of ) has been connected to my business account- XXXX XXXX XXXX. This is the extent of the information regarding the negative account balance they will give me, they will not tell me what the amount is, where it was charged or how it was charged, nor given me even an actual phone number to call a representative on so I can prove this wasnt me. Now as of XX/XX/2022, Square has withheld a deposit of {$270.00} from transferring to my bank account, siting it was to again resolve a negative account balance, but this time it was for my business- XXXX XXXXXXXX XXXX XXXX.
Product: Bank account or service

Numerous overdraft and insufficient funds fees per day over the life of my account