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

I'm in the process of buying a home and I realized I had damages on my credit report According to the 15 U.S. Code 1681 there should not be any damages on my credit report it's a defamation to my character. " I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX {$23000.00}
Product: Checking or savings account

Okay so I tried to file a dispute okay and I keep receiving back from them ever since I filed it 6 months ago that they found that I am at held responsible for the funds when the charge was made it was made 15 minutes prior to my church I actually did it was done inside the store and I was standing in line half an hour prior to the charge I did I was actually in line an hour prior to going to self checkout which is where I actually made the purchase of {$3.00} and some change well I made it I apparently I'm held responsible for a {$900.00} charge that I never made one it says the card was present yet there was no pin necessary nor signature necessary and as far as I know with a prepaid debit card from XXXX you must either give a PIN number or a signature I am not understanding why it is the Bank of America feels that I am responsible for this charge when I called in the very same day and was told I had to wait for it to say posted and the moment it said post it I filed the dispute I've been fighting this for 6 months now I am sick and tired of it they need to give me back my money it is my rent I've already received my pay now or leave it's not no 3-day pay it's a I must pay it by the end of today so more than likely I'm going to be out on the street because of their stupidity of not requiring a pin or signature for purchase and then telling me that I'm responsible for it because they release the funds already and I have it set up to where anything over {$500.00} I'm supposed to be notified that the purchase is being made and verify it via the app or via text message saying yes my lawyers have asked them to keep me informed when it comes to this situation I refuse right now to file a lawsuit on them but it's obvious that I'm going to have to because they are refusing to acknowledge the fact that that wasn't me and they are refusing to go get any supporting documents or video surveillance of the store so with this being said I'm really XXXX  out to the max behind it and it's really XXXX me off because they're refusing to give me back the money that was mine that they should have never released
Product: Credit card

I was unable to pay my monthly statement after losing my job and Citibank does not have a phone number or chat or email or any way for me to speak to an actual person, I tried every option they offer on their website. The phone bot absolutely refused to allow me to speak to a real person. It was only after 3 months that Citibank actually gave me a phone number that reached a REAL person! ONLY because they wanted to have me pay the bill AFTER charging me a bunch of ridiculous fees that should never have been charged had they actually had a phone number that reached a REAL PERSON! 

Then once I had this lady on the phone I explained the situation and she said there was no way she could reduce any of the fees and I owed nearly {$5000.00} from a starting balance of only {$4100.00}, after charging me fees and interest on my account balance. She asked for a ridiculous amount of money to bring the account current ( which I did not have, so it couldn't be paid - it was like {$1200.00} ) and I told her I could not pay that amount. She explained that I could have her close the account and they would stop charging me interest at an ungodly rate ( 29.99 % ) and lower it to 5.9 % and go on a 60 month payment plan of which I was to pay on the XXXX of every month and that a payment today would suffice for the XXXX payment and my next payment would be due on XX/XX/XXXX. I was told by her that this would stop any and all phone calls and attempts to collect the full debt amount. SO, I agreed which was on XX/XX/2024 and I paid them {$200.00} of the {$5000.00} owed. Then a week later the phone calls started AGAIN! Guess what, it does not allow me to speak to a real person! It makes a demand for money ( I already gave ) and does not give an option for anything else other than a payment. I then get a physical ( paper ) statement that does not reflect the {$200.00} payment I had made on XX/XX/2024 ( but the bank shows they took the money!!! ). I just paid them for the XXXX payment today ( {$83.00} as per my payment plan and as stated by and email I have from them today XX/XX/2024 at XXXX ) and they called me again today twice! I need these phone calls to STOP!!!!!! I am paying their debt through the payment plan they set up and I am even paying WELL before it is actually due! I would also like you to investigate WHY my original {$200.00} payment is not reflected on my statement. Furthermore, I would ask that you have them remove all of the XXXX  fees and interest gained over a 3 month period of time in which they charged me more than $ XXXX! All because of their shady business practice which did not allow me to actually speak to a REAL person to plead my case! 

I can only imagine how many people this bank is fleecing. They can rest assured I will NEVER be opening a checking account or any other sort of account with them EVER.
Product: Debt collection

I sent a certified letter to United revenue corporation for debt validation.  The company did receive my letter. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a  negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete.
Product: Credit card or prepaid card

filed previous complaint with you. # XXXX. initial complaint settled. but after bank of america settled the fraud they lowered my credit limit in a retaliatory manner. it went from XXXX - XXXX. I BELIEVE THIS WILL FURTHER DING MY CREDIT SCORE. in the initial complaint i had REQUESTED SANCTIONS AGAINST BANK OF AMERICA FOR THEIR EGREGIOUS POLICIES. in the initial complaint they ADMITTED THEY KNEW MY ACCOUNT WAS COMPROMISED BUT FAILED TO STOP THE USE OF MY ACCOUNT. THEY RELIED ON A FORGED PASSPORT TO CONFIRM THE FRAUDULENT PURCHASE. they admitted they dinged my account for this FRAUDULENT PURCHASE AND TO ADD INSULT TO INJURY ALL BUT CLOSED MY ACCOUNT. i am enclosing their letter. 
first i HAVE NEVER HAD A DELINQUENCY! 
2 ]. THE ECONOMY IS ROARING. NOT SLOW! 
3 ] THERE WERE NO 'RELATIONSHIP ' PROBLEMS UNTIL MY ACCOUNT WAS HACKED!

4 ] B4 THIS MY CREDIT SCORE WAS IN THE LOW 800 'S! 
5 ] I DON'T HAVE ANY OTHER BALANCES ON ANY OTHER CARDS UNTIL THIS HACK 6 ] THIS WAS MY PRIMARY [ ONLY CARD ] AND THE BALANCES WERE PAID IN FULL MONTHLY! 
I DO NO BANKING WITH THEM OR ANY AFFILIATES AS THERE AREN'T ANY AFFILIATES IN THE AREA AND MY CHECKING AND SAVINGS ARE WITH LOCAL BANKS THAT I'VE DONE BUSINESS WITH FOR 40 YEARS!
Product: Credit reporting, credit repair services, or other personal consumer reports

so i sent a couple of letters to the bureaus, and i have not herd anything back, this was 60 days ago and to my understanding i should have heard something from someone, no one has called me but i have called them but i cant get on the phone with a live person, there is something wrong with that because it is hindering me from getting credit because every time they pull up my report they can see whats on there, it is a bankruptcy that should not be on my credit report, i spoke to the court about this matter and they said they do not report to the bureaus please remove it from my credit report. either respond or delete whats on there off. my list of things on my credit report will be posted below. 

XXXX 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy : Voluntary XXXX Case Number : XXXX This account is inaccurate. Please delete at once. 

XXXX 
1. FDCPA Section 807 Violation Misleading False Reporting Bankruptcy chapter XXXX filed Case Number : XXXX This account is inaccurate. Please delete at once. 

Transunion. 
1. FDCPA Section 807 Violation Misleading False Reporting Chapter XXXX bankruptcy filing Case Number : XXXX This account is inaccurate. Please delete at once.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries and a collection/charge-off entry that have been reported on my credit file. These entries are not only inaccurate, but they are also causing significant harm to my credit profile and financial health. The unauthorized inquiries were made without my consent or knowledge, and the collection/charge-off entry is not reflective of my actual credit history or payment behavior. 

As a result, these errors are negatively impacting my XXXX XXXX, which in turn is affecting my ability to secure credit, loans, and other financial opportunities. The presence of such inaccurate information is not only a violation of my rights as a consumer but also a direct threat to my financial stability. I kindly request that these entries be thoroughly investigated and removed from my credit report as soon as possible to restore the accuracy of my financial records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX information in my credit profile on XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Product: Credit reporting

I have repeatedly requested proof of validity of XXXX alleged debts. Equifax has listed both of the accounts as disputed by consumer for over 30 days. XXXX has not responded to repeated attempts at communication both by myself and CFPB. XXXX XXXX XXXX XXXX XXXX have not provided validity only a blank form page provided to CPPB with first complaint submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aka XXXX XXXX XXXX aka XXXX XXXX, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX in regards to the account. On XX/XX/XXXX XXXX changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX. for verification. Over 30 days later on XX/XX/XXXX XXXX. recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX. relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.
Product: Credit card or prepaid card

I recently received a letter XXXX dated XXXX XXXX, XXXX ) from XXXX XXXX XXXX informing me that I was being automatically upgraded from a XXXX XXXX to a XXXX XXXX unless I opted out by XXXX XXXX. It took XXXX minutes online ( website refused my card information which was copied directly from the card and then technical support tried to tell me that the website in the letter was the wrong website ) and on the phone to opt out XXXX which I successfully did XXXX. My issue is that I do n't believe companies should be able to unilaterally change a credit card from XXXX type to another ( from a store card to a XXXX XXXX and require consumers to opt out. I think the company should make the offer and let consumers opt in.
Product: Credit reporting or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 XX/XX/2020 XX/XX/2020 Balance : {$280.00} This account is being illegally and incorrectly reported on my consumer report. It is not mines. It is affecting my financial well being and spilling over to my personal side. I need this account removed from XXXX, transunion and XXXX
Product: Credit card or prepaid card

I have been a victim of identity theft. Someone attempted to open an XXXX credit card using my name and social security number in XX/XX/XXXX. My credit monitoring services alerted me of a hard pull on my credit, and I contacted Chase Bank, which underwrites the card, to report it. The person I spoke to assured me that Chase would : ( 1 ) Send a notice to credit reporting agencies to remove the hard pull ( 2 ) Put a flag on my social security number so that any future applications would be declined.

Yesterday, I got another notice that someone had attempted to open a Chase credit card in my name. I contacted them this morning, and all the person I spoke to would commit to is declining the card. There is no flag on my social security number to prevent future fraud. Moreover, the XX/XX/XXXX hard inquiry is still on my credit report. I asked them to report the attempt to law enforcement, and they refused. 

Credit card companies need to do more to protect victims of identity theft from having fraudulent credit opened in their names. They should be required to report fraud to law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after pulling my credit report, I discovered multiple accounts on my credit report that I did not recognize. On XX/XX/XXXX, I submitted my first dispute letter with a list of all the incorrect information on my report, as of today 's date XX/XX/XXXX, I have been disputing wrong information on my credit report several times. Doing my own research I had found that I should contact the CFPB for help ; Below is a list of accounts showing on XXXX & TRANSUNION that have not been removed and they are badly affecting my score : Showing on report from XXXX  & TRANSUNION, XXXX XXXX  XXXX with an alleged acc # XXXX with an alleged balance of {$410.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference ) Showing on report from XXXX  only, XXXX XXXX/XXXX  with an alleged acc # XXXX with a balance of {$0.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference )
Product: Credit reporting or other personal consumer reports

On this account, it shows NO PAYMENT HISTORY. Which is inaccurate, I made payments all the way up until the DELINQUENT DATE. And those payments need to be reflected on my credit report. 

This inaccuracy is affecting my ON TIME PAYMENT HISTORY. There is no data on MOST RECENT PAYMENT which affects DATE OF LAST ACTIVITY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate blocking and removal of multiple fraudulent accounts from my TransUnion credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2. 

The following accounts do not belong to me and were opened through identity theft : XXXX XXXX XXXX reported three times SELF REPORTED THREE TIMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have provided both an FTC Identity Theft Report and a police report, yet TransUnion has failed to comply with the FCRA by not blocking these accounts within four business days as required. 



FCRA Violations : 1. Failure to Block Fraudulent Accounts ( 1681c-2 ) TransUnion must block these accounts upon receiving my police report.

2. Duplicate Reporting Each fraudulent account appears three times, further damaging my credit.

3. Continued Reporting & Collection ( 1681s-2 ( a ) ( 6 ) ) These companies were notified of the identity theft but refuse to stop reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX Affirm , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX You are in Direct Violation of The Fair Credit Reporting Act ( AFFIRM INC & Account # XXXX ) has violated several of my rights. 
XXXX6 U.S.C 1681 section 602 A. Clearly states that I havo 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.

15 U.S.C 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account Immedlately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

Enclosed you will find your abandoned paperwork alleging that BYL SERVICES, Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for I XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and BYL SERVICESare authorized to administrate ( acting trustee ) on I XXXX XXXX, together with a certified copies of signatures contract between you and I XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I, XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I, XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your Attorney.
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX XXXX that has resulted in debt bondage. 

Per FCRA 605C all negative items related to XXXX XXXX must be deleted from my consumer reports.
Product: Credit card or prepaid card

I called my Indigo Platinum Card to ask why I had 18 charges from XXXX XXXX XXXX & XXXX XXXX for XXXX & XXXX? I've NEVER been on XXXX & ordered anything, EVER. And in addition for each XXXX charges, they have also attached an additional charge of $ XXXX-XXXX, for each charge " they claim '', is from the merchant?!?!? These charges ARE NOT on my statement or DISCLOSED ( the only reason I figured it out was because there is a XXXX available balance when I just made a {$200.00} payment & the limits only {$300.00}. The customer service guy sounded foreign & refused to tell me if the vendors are out of the country? He said he could not see that information, I told him hes lying, I have other credit cards & I know he knows. Personally, I think its an inside job & they are paying themselves with peoples credit cards & then writing it off after the 30-60 days for its being sent to the fraud department for investigation. I told them if my card is charged for $ XXXX-XXXX  fee for each transaction, it has to be disclosed on my statement & its ILLEGAL, they cant just hide the fees & not tell me what its for or where it came from? I want this investigated immediately. These people are scamming big time. I told them I'm no accountant, but a {$200.00} payment on a {$300.00} card doesn't equal a credit line of {$.00} cents. Personally, I haven't used that card in months & I think they counted on me not looking & noticing there where charges.I closed the card down & the complaint was sent to the cards fraud department ( like that matters, it was probably an inside job ).
Product: Credit reporting or other personal consumer reports

While reviewing my report I found an incorrect information that is causing me not to be able to find a home loan. I have contacted the party to this situation to no avail, I am asking once again to have the false information removed from my credit report. 

Please delete the following accounts from my credit report as the information currently reporting is inaccurate and it is affecting my credit in a derogatory way. Enclosed you will find the necessary documentation to correct the information you have received in error. 

Tradeline : XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX First Disbursement Date Original Principal Balance XXXX  XX/XX/12 {$21000.00} XXXX  XX/XX/12 {$28000.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to notify you that I am a victim of identity theft, which has led to several fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate assistance to resolve this issue. 

Accounts - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX  XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am requesting the removal of three specific fraudulent accounts from my credit file. It is imperative that my credit report accurately reflects only valid and authorized information.