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

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Outstanding Balance : {$1800.00} I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if your company is notified by the consumer about inaccurate info on their credit report due to identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been received from the creditor and sent from your bureau. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX  # 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 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

I wanted to dispute my charge on a XXXX and my claim got denied without any extra information from the representative and they didn't help me and instead was on full side of the merchant. Then my credit card was reduced by {$4000.00} and then overcharge to purposely report me over the credit limit. if my credit limit isn't the same or higher before the overcharge then im going to a small court claims.
Product: Debt collection

Received multiple calls and one voicemail. In the voicemail the person calling failed to meaningfully disclose the caller 's identity and to disclose that all communications were from a debt collector trying to collect a debt. I found out that the caller was a debt collector by XXXX their contact information, and found the following page, which prompted me to file this report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to complaint numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and Equifax stated they would take " 60 days '' to respond to my complaints. This is unacceptable and illegal. The law allows 30 days to investigate my complaints and requests regarding my personal credit report. I am demanding the immediate removal of the tradelines or I will take legal action.
Product: Prepaid card

On XX/XX/year> I purchased a {$100.00} visa gift card at XXXX, the total amount paid for the purchase of the card was {$100.00}. 
When I go to use the card to buy online or in stores it is declined. I called the number provided on the card for customer service XXXX and the answering machine came up telling me to press numbers but it didn't work. Also go to the website shown on the card XXXX  but what I can do is just check the balance which is {$100.00}, but it doesn't work when I try to use it as said before. 
( Card issued by XXXX, pursuant to a lincense from XXXX XXXX XXXX Card distributed and serviced by InComm Financial Services inc XXXX
Product: Student loan

my loan is serviced through american education services. I have a co-signer on my account totally around {$90000.00}. my loans have been sold and resold over and over again and i pay XXXX seperate accounts. XXXX i pay {$220.00} monthly for my XXXX student loan now services through american education services and i also pay {$550.00} to my National collegaite trust accounts serviced through american education services. I then pay XXXX $ monthly to XXXX XXXX and also {$55.00} monthly to wells fargo. Overall if you have added this up it totals to a {$900.00} per month. I have kept current barely by working XXXX jobs and begging my co-signer to loan me money non stop to make such a large payment each month. i cant buy a home, nor a car and i can barely survive and feed me and my son. I am drowning in this debt and i have tried to consolidate numerous time buts all the banks tell me is that I have to high of a debt to income ratio to get a new loan. I contact American education services every month being that they hold the bulk of my loans and every month every time i call they give me no help. they say i have no other options an di need to make my payment or they will sue my co-signer who is now retieing and cant afford to take on my XXXX $ worth of debt on a fixed income. I have literally begged for help because i am paying out a MAJORITY of my entire monthly income just in student loan debt causing me to live a extremly poor quality of life. i am begging for someone to work with me and lower my payments. this company wont help me at all and when i try to get help from a XXXX party they all say to default on my loan and then American education services and National collegetie trust will work with me. I should n't have to default. i want to pay i do my best, im trying to maintain my credit score as well as my co-signers. I should n't have to default to get help these companies should work with the consumer to make payments that are fair and reasonable. private lenders are ruining peoples lives although these big banks received bailouts, im asking for the same kind of help. this is america, im XXXX and a first generation college student whose parents made to much for me to get federal aid in my XXXX years but not enough to save and pay for my college. please help me someone. i have tried everything this company is ruthless. my americann education services account number is XXXX please help me get them to lower my payments. i want to pay just not almost XXXX $ per month when i have no car and dont even own a home.my american dream has been destroyed all beacuse i went to college.
Product: Credit card

Motivated by laziness and a disgusting belief Citi is allowed to willfully break US federal law so long as they have an offshore team, a rogue and corrupt Citi employee refused to transfer me to the fraud department to resolve an ongoing issue that needed me to be able to speak with them.
Product: Money transfer, virtual currency, or money service

Venmo has permanently deactivated my account, will not discuss why, I only used the app to send child support for my child. The times I have reached out to Venmo, theyve said they dont see any bad transactions on my account, then transfer me for my account to be released and Im then told I can not do anything.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and found two accounts that don't belong to me XXXX account for {$1600.00} date open XX/XX/2023 and XXXXXXXX XXXX XXXX  for {$250.00} date opened XX/XX/2023 debt buyer is XXXX XXXX .according to the 15 usc 1681 law, there should not be any damages on my report is a defamation to my character.
Product: Credit reporting or other personal consumer reports

I do not reconize these items on my credit report 1. Personal credit card or credit line at XXXX XXXX XXXX, opened XX/XX/XXXX 2 .A personal loan at XXXX, opened XX/XX/XXXX 3. A personal loan at XXXX XXXX, opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX ( Account Number : XXXX ) for their failure to provide validation of my debt and their continued reporting of inaccurate and unverifiable information to the credit reporting agencies ( XXXX, XXXX, and TransUnion ) XXXX 

I have been disputing this account with the credit bureaus for over six months. Each time, XXXX has allegedly verified the information, yet they have never supplied me with any documentation or proof to substantiate this debt. This failure to validate the debt is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, which mandate that furnishers of information verify its accuracy when challenged.

Key Issues and Inaccuracies : Inconsistent and Contradictory Reporting Across Bureaus : The balance is reported as {$0.00} across all bureaus, yet the account status remains marked as a Charge-off/Collection. This contradiction is misleading and negatively impacts my creditworthiness. 
The high balance is reported inconsistently : XXXX : {$3500.00} XXXX : {$0.00} TransUnion : {$3700.00} Unverified Debt : Despite repeated requests for validation, XXXX has failed to provide any evidence that this debt belongs to me or is accurate. This lack of validation suggests the debt can not be legally reported. 
Continued Reporting Despite No Balance Owed : The account is listed as a Charge-off with a {$0.00} balance. If there is no balance owed, there is no justification for maintaining a derogatory status. 

I am extremely frustrated with this ongoing issue. I have exercised my rights under the FCRA by disputing this account multiple times. However, instead of resolving the issue, XXXX continues to verify the information without providing the necessary documentation to substantiate the debt. This prolonged inaction is causing unjust damage to my credit profile, affecting my ability to obtain credit and financial stability.
Product: Checking or savings account

Im not sure of the exact dates but I started receiving account statements from them every month but never opened an account. Called them to cancel the account and they said its canceled talked with the credit bureau and set a fraud alert on my account. But still recieving mail about my account that suppose to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX and prior, Ive been going back and forth w/ XXXX  regarding several issues with my account. Being that several people were emailing me in regards to my concerns. No one was really checking my account for notes prior to contacting me after the last person. 

Anyway, the remaining issue still exists. On TransUnion report under XXXX, instead of 2 accts. Only 1 acct. shows for XXXX, that account shows as CLOSED, that acct. also has in the remarks section that they were included in my Chapter XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX ) IF you so choose look up this public record, it will confirm that NO STUDENT LOANS WERE INCLUDED IN MY CHAPTER XXXX BANKRUPTCY. I have told all 3 credit bureaus this repeatedly, they have not removed this information. I have requested repeatedly from the student loan servicers to have this information removed & reported accurately. Instead on my report it just shows, consumer disputed ... .consumer disputed. Im disputing but nothing is being resolved. Whats the point in going through their processes in contacting them if they dont care? Please enlighten me. It is MY credit scores that are effected. It is me, thats buying a home. 

They can send out the right paperwork when billing but not care what the credit bureaus report based on THEIR information. Thats not ok.I need all XXXX information to be reported accurately across all 3 credit bureaus. There are 2 ( TWO ) accts. not one, both are OPEN, under no circumstances were either filed in my Chapter XXXX Bankruptcy. Correct it. 

ALL DOCUMENTS ARE ATTACHED.
Product: Debt collection

On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX SC borrowed money from XXXX XXXX XXXX, XXXX SC. Payments were not made and the account was sold to Midland Funding LLC. Midland Funding is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.
Product: Debt collection

Over the past year I have disputed the collections account with XXXX XXXX XXXX in the amount of {$7700.00}. This was a joint rental agreement with my now ex-husband, XXXX XXXX, and myself. In XX/XX/XXXX, the property manager and myself had a conversation about me losing my job due to COVID-19 and I was no longer able to pay my part of the rent. I also advised the property manager that I had applied for unemployment and was waiting for an acceptance or denial. The property manager allowed myself out of the rental agreement and my ex-husband, XXXX XXXX, would remain on the lease and the remainder of the lease agreement would be his responsibility. I moved out of the apartment on XX/XX/XXXX. This was all done via face to face communication and no documents were provided to me to sign to confirm this agreement. On XX/XX/XXXX, the collection account was removed from my credit report. Now as of XX/XX/XXXX it has been placed back on my credit report. I would greatly appreciate XXXX XXXX XXXX  to follow up with the verbal agreement we had about releasing myself from all financial responsibility for the remainder of the rental agreement and have it removed from my credit report with all three bureaus. This collection account is solely the responsibility of my ex-husband, XXXX XXXX.
Product: Debt collection

Defendant : XXXX XXXX item no.XXXX item description XXXX Ordered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX Order Date XXXX Tel. XXXX XXXX XXXX Company charged our American Express credit card ending in XXXX {$61.00} The jeans ordered and received have an XXXX XXXX price tag of {$49.00} and the catalog received from XXXX XXXX XXXX shows the same price of {$49.00} on page XXXX of the catalog. Further it states on cover of the XXXX XXXX XXXX Catalog " 20 % OFF YOUR ORDER '' NO MINIMUM PURCHASE REQUIRED. XXXX XXXX charged our credit card {$61.00}, while the price tag and catalog show a cost of {$49.00} less 20 % off or {$9.00} based on the 20 % discount advertised on cover of XXXX XXXX Catalog received at the above address in XX/XX/2020. We attempted to contact XXXX XXXX via email and inquired why they did not honor the 20 % discount advertised on cover of XXXX XXXX Catalog and over-charged the XXXX family. Discounted price {$39.00} and XXXX XXXX charged our credit card {$61.00}. We asked for refund but no response. We demand a refund of {$21.00} and jail time for XXXX XXXX XXXX. Signed, XXXX XXXX XXXX XXXX address above )
Product: Credit card or prepaid card

I had a Citibank card about 4 years ago. I had been charged with too much fees and when I called them I have been charged too much and I would like to close the account by paying off the balance, the customer service representive was laughing at me and did not care at all about what happened .I was shocked by the lack of care of this bank for its customers. It looks like they are not honest and they really need to improve their service.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payment on XXXX XXXX XXXX XXXX despite the multiple letters I sent to XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Debt or credit management

Im being charged from a collection agency American Coradius International XXXX for a XXXX charge that isnt even on my XXXX account. I tried to dispute and theyre requesting a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because there are accounts being reported that's not minesXXXX XXXX XXXX XXXX-I have have no acknowledge of this account XXXX-I have
no acknowledge of this account XXXX XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this account
Product: Debt collection

On or about XX/XX/XXXX I charged gasoline at a XXXX XXXX on XXXX XXXX and XXXX. At that time, my card was evidently recorded without my knowledge and subsequent charges were made on XXXX between XXXX and XXXX at multiple locations. Upon receipt of my XXXX statement, I informed them of the fraudlent charges and cancelled my card. I believed the matter was solved, but I have subsequently received serveral calls and emails from initially, XXXX XXXX. After explaining the situration, I thought the matter was resolved. Recently, I had an email exchange from LVNV Funding LLC regarding the same charge which was {$1200.00}. After I explained ( again ) the fraudlent charge, I thought the matter was resolved. Yesterday I noticed on my XXXX credit report a collection was filed on XX/XX/XXXX. I state again, this is not my charge and it should be removed from my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have previously submitted a complaint against Bank of America ( Case number : XXXX ) in XXXX, 2016. I had received notice that the company would resolve the issue and did not dispute their response right away. I have been unable to navigate a response on the previous complaint number XXXX and have been unable to reply to the emails. This complaint is in regards to Bank of America 's failure to adhere to their proposed resolution of removing the escrow charges from my payment despite my compliance in paying the escrow balance to XXXX. Bank of America has filed a notice of Default and Intent to Accelerate, it has aggressively made harassing collection calls, and continues to assess escrow on my mortgage payment nearly doubling the original payment. I have written to Bank of America at various departments explaining that the agreement was to have the escrow ( which was wrongfully assessed ) removed once I repaid the escrow amount they never should have paid, having done so in violation of a legally binding agreement we had signed with the XXXX County Tax authority which Bank of America was provided with notice of. I have written to a consumer division of BOA regarding the proper payment with no prompt response. My XXXX payment is already late and I want to pay the original and correct amount as agreed to, however BOA refuses to reduce the amount they claim is owed. My credit has already suffered due to BOA actions in increasing my original payment of {$480.00} to {$1000.00} and now {$860.00}. We took a huge financial loss in trying to pay these excessive amounts and now that we have paid the escrow to a XXXX balance they maintain that I am liable for the improperly imposed escrow. Time is of the essence since the taxes will be due for 2016 within 30 days and if they wrongfully pay these again they will insist that we repay them with doubling our mortgage payment. If allowed to pay ourselves as legally entitled, my husband is a XXXX vet and over the age of XXXX and is entitled to make payments to the county in a more affordable payment plan. BOA is attempting to further violate our rights by imposing yet once again an improper escrow in order to force us to pay double our initial mortgage. I am unable to send any supporting documents via this system so I will send a follow up correspondence with copies of all my correspondence to Bank of America..