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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX never did I ever lived at this location paid off the debt and was told if paid in full it would be deleted from credit report.. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX this account was sold or moved with out my notice during deployment from the us arm services and went over due. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Remarks Charged off as bad debt. Canceled by credit grantor. this was charged off with wrong dates and wrong name Still showing inaccurate information on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an IDTHEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Checking or savings account

Since XX/XX/XXXX, Bank of America ( not our bank ) has been withdrawing funds ( termed " pay by phone '' ) from our brokerage account with XXXX XXXX. We have no idea where these funds are going and have never approved any such deductions from our account. 
XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$30.00}, XX/XX/XXXX {$40.00} We contacted the Bank of America fraud line and were told that our bank would need to initiate a fraud complaint. We were told by XXXX XXXX that it was up to Bank of America to solve the problem and that the only recourse they have would be to close our account and open a new one. Thus, all direct deposits ( Federal pension, etc. ) would need to be rerouted to the new account. We have filed an FTC complaint ( # XXXX ), but to date we have not been able to stop the withdrawals.
Product: Credit card

Carnival/Barclaycard Master Card was never received, The account was sent to XXXX XXXX XXXX , XXXX. The error was the address was incorrect and no billing nor XXXX was ever received. The total amount is XXXX, XXXX sent me copies of the bills. I called Barclay and spoke to a XXXX XXXX who told me he had the correct address. I had made payments toward the bill. I request to speak to a manger and no one has called me back. I owe for a acupuncture session, not sure what else it totaled to the amount. My credit score has changed, because of this error. My credit cards credit amounts are being reduced. I am sure all of the billing and master card had to be returned. I am mailing out today letters to Carnival and Barclay and XXXX of the error. I am requesting that corrects are made to clear this problem. I would like XXXX XXXX, XXXX, XXXX 's, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX card to be advise of this mistake/error on behalf of Barclays Cards or Carnival card services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax after I sent them a certified letter explaining all of the different violation that was present in my report, pursuant to 15 usc 1681b ( 2 ) of the UNITED STATES CODES title 15 Annotated commerce and trade 1601- 2089 volume 5/7 2020 Edition. The letter I received contained no information of an investigation or validation of any alleged debt, which is a clear a blatant violation of my rights as a consumer. The lack of the institution to use its grave responsibility to be fair and accurate they have caused XXXX in my dwelling. I certified mailed my remedy to the agency and received only their lack of respect for a consumers transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be UPDATED and CORRECTED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately. 
( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$8500.00}
Product: Credit reporting or other personal consumer reports

Subject : Account # XXXX XXXX XXXX XXXX Cancellation and Delinquency Report On Monday, XXXX XXXX I sent a letter requesting cancellation of this account along with a payment for fees that were upcoming in the amount of {$5.00}. Check number XXXX was cashed by XXXX XXXX XXXX on XX/XX/XXXX. This letter clearly states, By cashing this check, XXXX XXXX XXXX acknowledges notification that the account is to be cancelled and this will serve as final payment. Final Payment is also written on the check itself. ( Copy of letter and check number XXXX is enclosed ). 
This account should have been closed on XX/XX/XXXX. 
On XX/XX/XXXX I received notice that XXXX XXXX had reported this account Past Due and Delinquent. 

On XX/XX/XXXX, I immediately paid {$35.00} that should not have been charged and accrued. Also, I contacted XXXX XXXX XXXX customer service to immediately cancel the account. I was told that they could not reverse the Delinquency Report. ( Copy of Payment and Account Closure is enclosed ). 

May I kindly request that XXXX XXXX XXXX remove the Delinquency Report from my credit record.
Product: Debt collection

I have been called XXXX  times per day for multiple days from multiple different numbers associated with the same company. Commenity Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX is illegally reporting late payment transactions on my XXXX credit report, which has negatively impacted my credit record. 
XXXX XXXX XXXXXXXX Account # XXXX Past due : 30 Days Date : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Closed Closed Monthly Payment : {$110.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3000.00} {$1000.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

My husband purchased a home in XXXX. Here the story his orginal loan was with Homecomings Bank his account was always never had one problem with this lender. Orginal loan was for {$15000.00} on a tiny house XXXX a month this included the insurance as well as taxes.The taxes on this house are only XXXX a year it the location its in. So to pay off early he was making and always has made payments of XXXX or more a month.XX/XX/XXXX it was brought to his attention when he received his monthly statement that it had changed to Gmac Bank. from the get go we would have to call in constantly because payments where being applied wrongly etc ... Then in XX/XX/XXXX a new company OCWEN takes over and it has been a nightmare ever since thats he has contacted you. They told him he had a ballon loan he did not and even so if he did the fricking house would be paid off there no way the most he could maybe owe would be XXXX if even that. When he contacted you they sent out papers but the papers they sent where there break down from XX/XX/XXXX and how they would apply it. It 's not the documents from Homecomings its just insane how much money we have paid on this place and they say basically he still owes {$12000.00} and that they are now going to foreclose. thats ruffly {$3100.00} and XXXX going to taxes then insurance for a house {$360.00}. This house is in the hills its XXXX bedroom very small and then off course you have interest which they send us every year a report and its XXXX. So taxes, insurance and interest {$1300.00}. XXXX - XXXX = {$1700.00} a year should go towards loan give or take and in 15 years that {$26000.00}. And this house he still owes {$12000.00} are they nuts he has had same bank account from XX/XX/XXXX they have every single check they ever paid them from day one and to round it comes too {$45000.00}. There no communicating with these people its they are write and no one else .... I have read numerous sitituation on line and spoke to other people invovled with this company. This is insane completely insane .... How getting away with this XX/XX/XXXX ... Someone has to do something ....
Product: Debt collection

This agency continues to contact me at my place of employment after I have asked them to stop. I requested that whatever debt they are calling regarding that they send to me in writing and I have not received anything but they will not stop calling me at work. The 1st time I asked them not to contact me at work the woman on the other end of the line proceeded to argue with me and advising I provided this number which is incorrect. I do n't use my work phone number as a method of contact.
Product: Credit card or prepaid card

XXXX XX/XX/23 : Reached out to XXXX from this website : XXXX XXXX XXXX XXXX To try to change my reservation asap. Company also calls themselves " XXXX XXXX  ''. They claim on their website that " You can easily talk to someone at XXXX by simply dialing the XXXX XXXX phone number XXXX ( toll-free ) ''. But that is not XXXX airlines actual phone number. Their information on the website is misleading. 

I paid {$690.00} through a link they sent me via email. 

XX/XX/23 : XXXX answered and told me that the reservation had been confirmed and will take up to 24 hours, but it still didnt come even after 24 hours. 

XX/XX/23 : XXXX XXXX, Tickets has been changed and issued please check on the XXXX XXXX as well as on the website and we have shared the details via Text message as well. 

XX/XX/23 @ XXXX XXXX  : Never got the new reservation via text, app, or website. So I decided to wait a little bit more. 

XX/XX/23 @ XXXX XXXX  : XXXX XXXX rep called asking me if I had my uncle call them for a change of ticket. I told them no and the agent told me that she got a weird phone call from an XXXX voiced male stating that he was my uncle and wanted to change my ticket. I am XXXX and do not have an XXXX uncle. The XXXX airline agent thought of this action to be suspicious so she gave me a call to confirm. 
XXXX XXXX sent me the itinerary file where it shows that the date did not changed to XX/XX/XXXX. It was still same as XX/XX/XXXX. 
She told me that I needed to pay {$290.00} to actually change it because the flight was not changed and told me to report the charge as a fraud to my bank because I technically did not receive the service as the itinerary did not change. 
If XXXX actually changed it, then the date shouldve been XX/XX/XXXX. Not XX/XX/XXXX. 

XX/XX/23 @ XXXX XXXX  : Once I decided and paid {$290.00} with the Chase Unlimited Freedom Card, the XXXX XXXX rep then sent me the actual, new, changed itinerary in real time. 

I can not pay for something I never got the service for. If XXXX or the third party actually changed my departure date and offered the services as they said they did, why would I pay additional {$290.00} to XXXX XXXX to get it changed?
Product: Debt collection

This debt is NOT mine. Im afraid my identity was jeopardized. I never owned a XXXX XXXX bank card ever! I am still going through issues with identity theft as of recent. Please remove from my credit report. I even hired a credit repair service specialist to try and help me resolve some of these issues. This particular one was deleted from my credit report about a year or so ago but came to find out that they sold my information to another XXXX and so it was placed back into my credit report. I have zero knowledge of this account. Its causing a lot of financial and emotional strain because its affecting my credit so much.
Product: Debt collection

When I pulled my consumer report, I seen that Wakefield & Associates reported numerous items in the total amount of {$58000.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge XXXX XXXX XXXX to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.
Product: Debt collection

Pursuant to 15 USC 1692g ( a ) I requested validation of debt and have not received any of the information I requested. My written consent was never given to to the debt collector to even furnish information on my credit report. Pursuant to 15 USC 1681b ( 2 ). Also Discover Bank is in violation of 15 USC 1692e ( 2 ) ( A ) for the false representation of " Bill amount '' in the positive.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding transunions failure to conduct proper investigations.

Specifically, in a lawsuit filed against transunion, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.
Product: Debt collection

This account is reporting with differences on all 3 credit bureaus. Either it's a different amount or different dates. It also isn't being reported to all 3 bureaus. I have repeatedly tried to contact them to recertify this situation. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

I have reported errors on my credit report at least 3 time this year, the latest being XX/XX/year>. I submitted the requested information as requested by Equifax according to their letter dated XX/XX/year>. My full name is XXXX XXXX, XXXX and I submitted legible copies of my driver 's license and social security card to the address their letter told me to submit to : Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. 
Today, XX/XX/year>, I received XXXX separate letters from Equifax Information Services LLC, XXXX XXXX XXXX, XXXX GA XXXX with incorrect information, stating that " you recently contact us because you may have been a victim of fraud or identity theft and have included a copy of Remedying the Effects of [ ID Theft ''. I did not!! The other letter, both ltrs. were dated XX/XX/year>. However, the 2nd letter, XXXX XXXX XXXX, XXXX, GA XXXX indicated " that they received my request concerning inaccurate information on your Equifax credit file. We were unable to locate a credit file in our database with the identification you provided ''. They were asking for the same information that i provided several times. I have never lived in Georgia, and it appears that they are shifting the information that I sent them and never, never seem to correct the proper information. This is the only Credit Reporting Agency that does this. Please help get this cleared once and for all. Thank You
Product: Debt collection

This debt was settled and guaranteed there would be no reporting or collection efforts filed by this debt collector, RPM if I would agree to a settlement, so payment arrangements were made on XX/XX/XXXX in the amount of 4 payments for {$370.00} first being drafted on XX/XX/XXXX, second payment paid XX/XX/XXXX. RPM has collected 2 of the 4 payments with two left, 1 due to be paid on XX/XX/XXXX and the other to be paid on XX/XX/XXXX. This company has now falsely reported this debt with no regard to our arrangement.
Product: Credit reporting or other personal consumer reports

Please remove from report. Company response has been more than thirty ( 30 ) days. ( FCRA ) Company response is in progress as of XX/XX/2024
Product: Student loan

Was notified by email and letter that I was part of the XXXX XXXX XXXX XXXX in XXXX. Nothing has changed and loans still pending discharge. This has hurt my credit score and getting approval for other loans with these still in place and nothing discharged. I can not get information from anyone on when this will finally happen. My loan servicer is Navient, which has changed to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX Equifax says not untilXX/XX/XXXX and Transunion told me XX/XX/XXXX I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.
Product: Debt collection

Account number ending in XXXX was sold/ transferred to XXXX XXXX XXXX XXXX and with the assistance of the CFPB I was able to stop them from reporting inaccurate information to my credit files and to cease and desist. 

Since the time of the complaint. An unnamed authorized representative of Citibank , N.A . mailed a letter dated XX/XX/XXXX, requestion my personal private information based off my dispute with XXXX XXXX XXXX XXXX. ( See attachments ) Neither Citibank , N.A . nor XXXX XXXX XXXX XXXX are Holders in Due Course and I would like to know the name of the authorized representative who released the information provided to XXXX XXXX XXXX XXXX in efforts to collect an alleged debt. 

Citibank N.A does not have a permissible purpose to contact me in efforts of obtaining my private information. Please be advised XXXX XXXX XXXX XXXX have cease and desist as Ive previously requested and there has been no damage to my credit files regarding their debt collection attempts. 

I will not release any information to Citibank N.A. Please cease and desist. An honorable Holder in due course would be able prove any contractual agreements with an actual authorized representative. 

Please be advised the computer-generated letter provided by Your Security Operations Service Team XXXX Is not an authorized representative as Citibank N.A. are not Holders in Due Course.