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

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX : XXXX ( XXXX XXXX XXXX  ) Balance : {$1100.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$460.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$190.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$580.00} XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX ( XXXX XXXX XXXX XXXX ) Balance : {$240.00} XXXX  XXXX ( XXXX XXXX XXXX  ) Balance : {$530.00} XXXX XXXX  : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Balance : {$190.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$570.00} XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Balance : {$580.00} XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$320.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1100.00} EQUIFAX Collections : XXXX XXXX ( XXXX XXXX XXXX  ) Balance : {$340.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$320.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Balance : {$51.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$530.00}
Product: Credit reporting or other personal consumer reports

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

These accounts have violated my rights ; Validate Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

16815-2 ( 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: Mortgage

I was a Victim of Fraudulent activity With XXXX XXXX XXXX XXXX XXXX in the process of Real estate Transaction, FBI was involved Due to Real Estate Fraudulent Scheme.
Product: Credit reporting or other personal consumer reports

25 unauthorized inquiries on my credit report that XXXX refuse to remove, Im an identity theft victim and I did not Try to get a new vehicle. Someone tried to use my name to get get a vehicle without my permission. These are the unauthorized inquiries. 
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: 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX 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.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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$570.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$570.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX type Single family I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, XXXX, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under XXXX XXXX guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely,
Product: Debt collection

This " compamy '' Rent Recovery Solutions is trying to collect a debt on an apartment that has gone out of business, I made the necessary agreements with the apartment before i moved to close out my payments because my mother passed away and I had to move out, so they honored my situation. Fast forward and this place is still harassing me trying to get a payment as well as reporting false information on my credit report for a business no longer around
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX was deposited and taken from me the account was hacked and I was in XXXX  and did not know why that had happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts on Experian, XXXX and XXXX ( my consumer reports ), they have violated my rights 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions As well as the Truth in Lending act, I was never made aware of my right of recession from any loan or credit card I took out, which automatically makes the contract null and void.
Product: Payday loan, title loan, or personal loan

I applied for a loan XX/XX/XXXX and was denied XX/XX/XXXX due to my immigration status and with complete disregard to my credit earthiness and ability to meet Sofi 's other criteria for loan approval. 
XX/XX/XXXX - I called ( recorded the call ) and was told I should not even think of reapplying because I would not be considered for a loan if my immigrations status was the same. 
XX/XX/XXXX - I mailed a certified letter to Sofi regarding being discriminated against and have not heard back. 
Denying an individual the right to contract for a loan simply because they are not us citizens or residents is discriminatory under federal law and violates the civil rights act of 1866.
Product: Debt collection

Complaint against Performant Recovery , Inc acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX. I have contacted Performant Recovery, Inc several times in regards to repayment arrangements for a student loan. I have never received a return phone call to discuss repayment options only threatening letters and emails. Now I have been sent another letter stating they have reported this debt against my credit. Performant Recovery, Inc does not answer their phones. The few times I have managed to get a live person, I am transferred to my " Account Representative '' to leave yet another voice mail for someone that never calls. The only things I receive are threatening letters that they will damage my credit, garnish my wages and take my Tax Return. These things have already occurred. I have all documentation, dates and names. I need confirmation that someone will actually look into this complaint before spending the time scanning, faxing and uploading documents.
Product: Checking or savings account

I initially contacted Bank of America on XX/XX/XXXX to start a dispute regarding a charge of {$1500.00} for services that had been canceled on XX/XX/XXXX. The original charge from XXXX XXXX  XXXX was made on XX/XX/XXXX as a deposit for services that would be provided on XX/XX/XXXX. As a result of the pandemic, the services were thus canceled, by myself, and the merchant then promised to provide a refund. As time went on, there was never any refund issued and I have since tried several times to contact the merchant with no response. 
Upon Bank of America 's investigation into this claim they concluded on XX/XX/XXXX that I am unable to be reimbursed due to the following reason : " The disputed transactions indicated in your claim are for recurring charges that posted to your account before you canceled the service. As a result, we're unable to dispute these transactions. '' However, this is not a recurring charge at all, but rather a service that I paid for that was never provided. Furthermore, the merchant, XXXX XXXX  XXXX can not provide any proof showing that in fact services were provided.
Product: Debt collection

debts were paid in full with one payment months ago and still show unpaid
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a chapter XXXX dismissed with Peoples Bank which was a second mortgage on my home used for a business. The first lean holder was XXXX. 

My credit rating keeps going down despite the fact that I have been improving on it. 

I spoke with XXXX XXXX of Peoples Bank about being reported as late payments on XX/XX/XXXX. He informed me that I didn't owe Peoples anything and the matter was closed and there was nothing more he could do. 

He suggested I take it up with the Credit Bureau. 

This has been damaging my credit for five years as I try to overcome the damage I suffered in the XXXX rescission. And has prevented me from obtaining a stable home for my family. Due to this inaccurate reporting, I cant buy a home due to credit and I cant rent a home due to credit. And my lease is up XX/XX/XXXX.
Product: Debt collection

CBSA responded to my last complaint with lease agreement with XXXX XXXX but failed to verify that I owed any debt. This lease is not proof that I owe a debt. The organization also failed to to produce a contract that expressly authorizes them to collect on the alleged debt which is consider unfair practices. I have also challenged CBSA to provide proof of any services or compensation that they rendered me under the penalty of perjury. Failure to do so is false representation. CBSA should be aware that itis unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Lastly, I demand CBSA to cease and desist all communications including all consumer reports immediately. All of these are violations of the FDCPA and failure to follow these demand will lead to legal action.
Product: Credit reporting or other personal consumer reports

I have sent disputes to XXXX, Equifax, and XXXX regarding inaccurate information reported on my credit report. I specifically listed the accounts and informed them of the violations they are committing against my consumer report. It has been over 60 days since my initial dispute letters were sent, and none of the credit bureaus have provided a response. Copies of all correspondence sent are attached for your reference.

These companies have violated FCRA 623 ( a ) ( b ) by failing to mark the disputed accounts as such.

Additionally, FCRA 605 ( c ) has been violated as the reporting period has continued despite the last activity on these accounts being incorrectly reported. This should reflect the actual date of the last payment made.

Moreover, this company has repeatedly failed to validate the collection account, thereby violating FDCPA 809 ( b ) according to FTC guidelines.

I request that these inaccuracies be promptly corrected, as they are adversely affecting my credit standing and rights under federal law.
Product: Credit reporting or other personal consumer reports

problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPANY I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX CFPB-XXXX ) to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. Summary of Discrepancies : 1. High Balance : Experian reports {$0.00}, while XXXX and XXXX report {$680.00}. 2. 3. Last Verified : Only XXXX  reports a date ( XX/XX/XXXX ). Date of Last Activity : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 4. Date Opened : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ). 5. Balance Owed : Experian reports {$10.00}, while XXXX and XXXX report {$0.00}. 6. 7. Closed Date : Only XXXX reports a date ( XX/XX/XXXX ). Account Rating : XXXX reports Derogatory, while XXXX and Experian report Paid. 8. Creditor Type : XXXX lists National Credit Card Companies, while XXXX and Experian list Bank Credit Cards. 9. Creditor Remarks : Different remarks from each bureau. 10. Last Payment : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 11. Account Type : XXXX reports Secured credit card, Experian reports Credit line secured, and XXXX does not report. 12. Credit Limit : XXXX reports {$0.00}, while XXXX and Experian report {$500.00}. 13. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLINOIS STUDENT ASSISTANCE COMMISION LOAN NO.XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! XXXX ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I feel my information has been compromised either online or by the XXXX  data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX and {$600.00} to XXXX XXXX which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.
Product: Debt collection

The original creditor was  XXXX   XXXX  and my limit on the card was {$300.00}. I charged {$300.00} on the card in  XXXX   XXXX  and missed my  1st  payment and was charged a {$25.00} late fee. They closed my card in  XXXX   XXXX  without giving me the chance to pay it. Then I received a bill for {$640.00} from  Midland Funding.
Product: Checking or savings account

I bank with Chase Bank, and they always take more for my money then what I should pay them.My account keep coming back very short, I tried to talk to them but always leave upset because they tried to tell me that I am wrong about my account.You do the math I place {$4900.00} in the bank I spent {$250.00} I when took cash the same night and placed it in the ATM machine next night I spent {$100.00} took that back to the ATM machine. I shop for XXXX gift spent {$190.00} Spent {$20.00} paid phone bill {$130.00} XXXX spent {$54.00} insurance which came to {$390.00} they were surpose to return XXXX insufficient fees which came to {$130.00} XXXX return {$84.00} why I go to the bank and was told I only had {$4000.00} in the chase bank? Where is my money? First time they took {$370.00} out of my savings account and said I paid my truck note a day early on a Thursday. Which they was lying XXXX got my check on Friday and I always pay my bills on a Friday always when my check comes I paid it that Friday and still they kept my money I verified with my car company and I was right but yet chase never gave my money back. They stated They paid me the insufficient fees back where is the money it doesn't add up and they know that but still kept my money.right now I'm out of another $ XXXX {$600.00} dollars trusting Chase Bank XXXX I pray you always watch your money while using Chase Bank. They take what don't belong to them. What's so bad they try to me you believe you crazy and that you spent your money.
Product: Checking or savings account

I contacted Citibank Fraud department on XXXX to inform them of various fraudulent transactions that had taken place while II was XXXX  at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I provided Citibank with the documentation showing I was detained from XXXX and thereby unable to perform any of the transactions. Due to the nature of the transactions I was provided with a new debit card and changed my PIN number. The bank informed me the matter would be investigated and I would receive provisional credit within 10 business days. On day 10, Citibank closed the matter without any investigation. This occurred three times ( XXXX, XX/XX/2022, and XX/XX/2022 ). I requested a copy of their records regarding the investigation and have not been provided with anything. 

The transactions are listed below : Checking account- XX/XX/2022 ATM withdrawal Citibank ATM {$60.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XX/XX/2022 ATM withdrawal Citibank ATM {$780.00} XX/XX/2022 ATM withdrawal Citibank ATM {$200.00} XX/XX/2022 ATM withdrawal Citibank ATM {$200.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XXXX ATM withdrawal Citibank ATM {$260.00} XX/XX/2022 ATM withdrawal Citibank ATM {$100.00} Savings account- XX/XX/2022 ATM withdrawal Citibank ATM {$20.00} XXXX ATM withdrawal Citibank ATM {$300.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XX/XX/2022 ATM withdrawal Citibank ATM {$100.00} XX/XX/2022 ATM withdrawal Citibank ATM {$60.00} XX/XX/2022 ATM withdrawal Citibank ATM {$20.00} XX/XX/2022 ATM withdrawal Citibank ATM {$800.00} XX/XX/2022 ATM withdrawal Citibank ATM {$700.00}
Product: Debt collection

did a dispute with PRA llc they sent me XXXX copys of statements that do n't add up looks to be altered but there investigation says it 's valid
Product: Checking or savings account

I went to the XXXX XXXX location on XXXX XXXX in XXXX, XXXX  When I went to the exterior ATM at the bank, the screen kept saying processing and still had my card. The machine started shutting down without giving me my card and my cash that needed to be withdrawn. When I went into the bank, they told me there is nothing they could do to give me my funds. They said they would file a dispute and IF there dispute department approves the dispute, I would get my money back in 10 days. This is creating me to have late payments to my daughters daycare.
Product: Debt collection

By way of letter dated XX/XX/2019, Bank of America, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX, advised me that effective XX/XX/2019, my home equity line of credit would be assigned to XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX, XXXX, CO XXXX. As of today, XX/XX/2019, I have received no correspondence from XXXX XXXX XXXX. 

Bank of America has advised me that XXXX will establish a new loan account number for my loan. As of today I have no knowledge of that loan account number. My payment is due on XX/XX/2019.