23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX [ XXXX  XXXX XXXX ] account number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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.SXXXXC. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit card

Citicards is giving me the runaround in crediting me for a transaction that it has already identified to be fraudulent. On XX/XX/2016 Citicards called me to report a suspicious transaction on my account resulting in termination of the card and issuance of a new card. Since then I have called Citicards to have removed a transaction from XXXX that I never mad. I have spoke to over XXXX representatives each time they misrepresent that it is not a problem and not to worry and that the transaction will be taken off in 3 to 4 business days.
Product: Debt collection

The company that i was working for pin this on me and they went belly up.Therefore, since i was XXXX a XXXX XXXX at the time. The company owner did not provide me with proper equipment, in this case snow chains. And then i got a ticket for not carrying snow chains after pleading to get me the chains.I have made an attempt to pay for some of these fee but i have realized that i can dispute the matter and i will do so till i get the results i need.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Debt Claim No. XXXX To Whom It May Concern : I am writing to formally dispute the validity of the debt referenced in your collection notice ( Claim No. XXXX ) for {$230.00}, allegedly owed to XXXX XXXX. I also dispute the legitimacy of the charges and Lyon Collection Services authority to collect this debt due to the following issues : Breach of Contract & Unauthorized Sharing of Information XXXX XXXX violated our contractual agreement by unlawfully sharing my personal/business information with your agency without my consent. This action may constitute a breach of privacy under applicable laws ( e.g., state consumer protection statutes or the Gramm-Leach-Bliley Act if financial data was shared ). 

Failure to Honor Promotional Terms XXXX XXXX explicitly promised 4 free months of service as part of a promotion, which they never applied. The invoices listed ( e.g., XXXX, XXXX, etc. ) appear to include charges that should have been waived under this promotion. I request copies of the signed contract, promotional terms, and proof that XXXX fulfilled their obligation to apply the 4 free months. 

Inaccurate or Fraudulent Invoices The invoices listed are dated in XXXX  ( e.g., XX/XX/year>, XX/XX/year> ), which is a future date. This discrepancy raises serious concerns about the validity of the debt. 

Unlawful Collection Fees The {$21.00} COLL FEE is unjustified. Under the Fair Debt Collection Practices Act ( FDCPA ), collection fees can not be added unless expressly permitted by the original contract or state law. Provide documentation authorizing this fee. 

Formal Requests Debt Validation : Under the FDCPA ( 15 U.S.C. 1692g ), I demand immediate validation of this debt, including : A copy of the original signed contract with XXXX XXXX. 

Proof of the promotions terms and evidence showing why the 4 free months were not applied. 

An itemized breakdown of the debt, including how the future-dated invoices and collection fee were calculated. 

Cease Communication : Until you provide validation, cease all collection efforts, including credit reporting. 

Credit Reporting : If this debt was reported to credit bureaus, notify them of the dispute and correct or delete it immediately. 

Next Steps If you fail to validate this debt within 30 days or continue unlawful collection attempts, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Nevada Attorney General. 

Pursue legal action for violations of the FDCPA and applicable privacy laws. 

Send all correspondence via certified mail to the address above. 

Sincerely, [ Your Full Name ] [ Signature, if mailing a physical letter ]
Product: Credit reporting or other personal consumer reports

The inquiries on reports are not mine Ive called all credit agencies and companies however nothing has been fix I would like all inquiries removed as well as late payments that are not accurate bankruptcy thats on one and not the other therefore the reports are inaccurate 13 inquiries on Equifax A bankruptcy on XXXX and XXXX that needs to be removed as well as XXXX  on Equifax reporting late on the other accounts no late payments.
Product: Debt collection

XXXX XXXX XXXX has employed unified billing for tv, internet and telephone. When I closed my account- their customer service let one of the service run without my consent or knowledge and they attempted to collect this small debt. I had paid them thousands of dollars in fees on time. Yet because of their customer service mistake- they continue to demand that i owe them XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion failed to investigate me dispute
Product: Credit reporting or other personal consumer reports

Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for go any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have been filing disputes with the credit agencies. They are not attaching the paperwork I send according to the FCRA to the disputes I submit and are not sending me copies of the verification process that I request. The people I speak to over the phone don't understand English
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX , XXXX is reporting a debt to Experian and other credit reporting companies that is false. They claim I owe rent to XXXX XXXX for renting a apartment from XXXX in XXXX XXXX Iowa. I did rent an apartment for a year lease from XX/XX/XXXX thru XX/XX/XXXX. I was transferred a few months later and worked with XXXX XXXX to sublease the apartment. I paid rent thru XXXX. The apartment was sublet XXXX for the remainder of the lease. When checking out I was told I owe no further monies because the apartment was sub-let. XXXX XXXX now claims I owe them a sum of money. They never contacted me. XXXX XXXX must have sold the supposed debt to XXXX XXXX XXXX XXXX , XXXX Who has reported this to Experian and other credit reporting companies. I 've called the corporate head quarters of XXXX XXXX to be told I have to work with XXXX XXXX. I 've made several attempts with XXXX XXXX to clear up the misunderstanding including sending them the attached Resident ledger and they refuse to remove the bogus claim. XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist ( please remove this account before I see litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i set up payment plans these past 2 months with multiple accounts to avoid delinquency 's on my credit report and they have still managed to add delinquencies on my credit report which are hurting my credit also multiple inquiries that i have not approbed of are on my credit.
Product: Debt collection

Dis is faurd I have no dealing with dis company no contact no sign bill are nothing also dat law 15 usc 1692 c clearly states if a consumer notified a debt collector in writing that the consumer refuses to pay a debt the debt collector shall not communicate further with the consumer i also file a ftc report for da record
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. The Credit Burueashave failed to comply with the FCRA section 605b and continued reporting these inquiries without proper veriofication and authentication. I am tempted to pursue legal action againsts the Credit Bureaus But I will be giving them one mor wechane to remove the inquiries completely from my Credit report. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a loan of {$600.00} last XXXX, I have TO DATE paid {$1600.00}. 
I understand that the interest rate would be high, but this company is taking advantage of people.
Product: Bank account or service

A few weeks ago I set up a new savings account with Wells Fargo. The savings account was supposed to be linked to my debit card. The representative I spoke with assured me this had been done so that I could access my savings account from an ATM machine. On XXXX XXXX I went to get {$40.00} from that savings account at the ATM The ATM did not allow me to get funds directly through that savings account. It instead routed the funds through my checking account. My checking account did not have the funds to cover the {$40.00} withdrawal, so money was moved from my resulting in a {$12.00} transfer fee. When I called Wells Fargo on Sunday XXXX XXXX, the agent I spoke with went ahead and linked the savings account to my card, and said I should not be charged a fee for the transaction since the savings account should have been linked to my debit card. However I was still charged a {$12.00} overdraft transfer fee on XXXX XXXX. I feel that fee should be reversed since the product specialist who created the savings account for me did not link the savings account to my debit card as she said she did.
Product: Credit card

I clicked on an offer on XXXXXXXX XXXX website advertising a {$200.00} statement credit and XXXX bonus miles ( the offer is now {$500.00} statement credit ). Instead of receiving the {$200.00} statement credit and XXXX bonus miles, I just received XXXX bonus miles. I filed a report with American Express and they stated that the link on XXXXXXXX XXXX  website directed me to the incorrect offer and not the one that was advertised. XXXX in XXXX XXXX escalations admitted the link was a problem, but refused to offer any type of reconciliation to honor the terms of the original offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres 2 inquiries on my credit file I dont recognize and I didnt authorize them also theres a address on my credit file I dont recognize I have never lived there and I would like it to be removed : XXXX XXXX XXXX XXXX OH XXXX Credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello guys, I have been disputing accounts with the credit bureaus and they have not given me an answer on the status of the disputes. 

And also notice that they indicate that " They have not been able to verify my identity '' when from the beginning I have sent them all the required documentation. 

I want them to open an investigation immediately with the accounts they are reporting to me. And I don't want them to keep playing with my time by insinuating that I'm not the one disputing my accounts.
Product: Mortgage

I called Bank of America XX/XX/2021 asking how much I owed for the 5 months " deferment '' that I was approved for only to find out it was a forbearance that required the entire balance to be paid at the end of the agreement term. I submitted a complaint previously in reference to how the repayment assistance program was a complete XXXX and was ultimately unable to work out any arrangements with the company. So, in XX/XX/2021, I called to get the total amount owed so I could repay and was advised I had a sum of money sitting in an unpaid balance account. I submitted a request to have the funds applied to the principal mortgage for the intended two months I called and paid it for, and two weeks later I was advised my request had been denied. I have had several conversations with multiple BOA representatives and each of them have a different explanation as to how that has happened and what the resolution is but none of them have been successful with assisting me in resolving my issue. 

XXXX XXXX, I was advised to pay {$6100.00} and the {$2000.00} that was sitting in the unapplied funds account would be corrected as well. I called XX/XX/2021 and the account is still saying I owe over {$9000.00} of payments which is not correct. The Service Request # is : XXXX and I submitted a request for that on XXXX XXXX and it has still not been resolved. I called today to speak with the person who took the payment with confirmation number : XXXX ( SS ) and have been transferred to multiple people still resulting in no one being able to assist me with getting these funds applied to my principal mortgage payments. The payment made on XX/XX/XXXX or XXXX in the system should have brought my account to a {$0.00} balance yet Bank of America HAS NOT updated my account status and it has been several months since I stopped working on a repayment plan with the company at their dismissal. 

As a Customer I have found dealing with Bank of America extremely frustrating and counterproductive. I feel that I have experienced heightened stress and undue emotional distress because my mortgage is on the line and no one seems to be able to give the same answer more than once. I have asked that my Account Manager call me, no one has. I have asked that someone, anyone who can assist with this level of an issue call me and set the account straight especially now that I have made the required payment and all I get is one transferred call after the next when calling BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing to you is to state SYNCB/XXXX   is being unreasonable. 
This company requested that I provide detailed proof in regards to being a victim of identity theft. I provided proof that mails which were being forwarded to XXXX XXXX XXXX, XXXX XXXX CA XXXX were compromised and my personal information accessed and used without my permission. I attached my dispute letter which I sent to this company on XXXX with Fair trade commission ID theft report, ID theft Police report and my identity documents. 

I am a victim of identity theft. This report is to document compromise of my personal information, resulting from mail taken from my mailbox during the period in question. 
This account and my personal id info may have been  compromised. Please note that mails which was being forwarded to XXXX XXXX XXXX, XXXX XXXX CA XXXX were stolen. As a result, I didnt get mail. 
There are possible fraud charges since my charge was {$41.00}, any additional charges were fraudulent. This letter is direct confirmation that I want this account deleted, I have enclosed proof of my identity and a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 
But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : SYNCB/XXXX XXXX Date of account Opened XXXX The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that you remove this account from my credit report. 
Attached : 1. My dispute letter to this company 2. My police report 3. My FTC report 4. My Small claim form
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not reported my previous history of loans and has failed to update the credit beauros with the updated status of each of my previous loans. I have submitted a dispute to Equifax and XXXX in effort to have my credit report updated with my full history of loans with XXXX. Unfortunately, this process has been slow, and they have not reported the loans. This is a violation of my rights, and I am requesting assistance.
Product: Bank account or service

I applied for a Citibank Citigold checking account back in XXXX 2015, due in part to their attractive XXXX XXXX XXXX miles bonus upon completion of spending {$1000.00} in debit transactions and using bill-pay twice within 60 days. I completed all requirements within the allotted time period ( confirmed by Citi ) but have not been credited my bonus miles within the 90-day due date post-completion ( XXXX XXXX ). I have contacted Citi on over XXXX occasions but have not gotten the issue resolved.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX : account number:XXXX
Product: Mortgage

Embrace home loans received the bill from our insurance company XX/XX/XXXX, as of XX/XX/XXXX they still did not make payment to our insurance company. I called XX/XX/XXXXto find out why - they had no answer and said payment would be sent within the next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a few problems with medical collections accounts ( XXXX XXXX ) being the main culprit, where I'd try to dispute the information and they would just remove it. Wait a few months and then reinsert it into my report. This is constantly dropping my score, as they insert it as a new account rather than what the original dates were. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} Original Creditor : XXXX XXXX XXXX That is just the main collection that keep popping up. That is the hospital in Florida. I hadn't been seen there since XXXX, I moved out of Florida in XX/XX/XXXX. This is one of the few accounts that keeps popping up every few months, while I'm trying to rebuild by score and every 3- months it gets dropped 50-80 points because of this. I've tried asking for proof of the debt, and haven't received anything. I get no letters that a debt has even been placed for collections/reinserted into my report. 

Is there anything that can be done? I know collections agencies sometimes sell the debts, but I've noticed it's always been the same collection agency name, reporting it, just changing the " open date '' on the account. This has been a struggle for the past 3 years, and I've tried disputing it every chance I get.
Product: Debt collection

Account number # XXXX Southwest Credit System XX/XX/2023 Certified Mail XX/XX/2023 This debt was settle as agreed by the letter I mail to them Certified Mail that upon acceptance of the said debt that it would be removed upon acceptance of payment agreed upon All three credit bureaus being XXXX, XXXX, XXXX would be removed upon agreement and acceptance of upon agreement There has been poor communication and tactics
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions.

15 U.S. Code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$6400.00} ; XXXX  XXXX Balance : {$4300.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$160.00}.