23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this account was removed by CFPB from all three credit reports due to not being verified as being mine 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit card or prepaid card

I got in to a auto accident and XXXX XXXX XXXX took over the fact and agreed to fix my car and get me a rental I told them I needed a sub because I have XXXX XXXX  they said no the compact car was all they would get I said OK so they rented the car from XXXX XXXX charged me a XXXX XXXX cleaning fee I agreed to. Told them not to charge anything else to my card because I did not have the funds to cover it they said OK XXXX XXXX XXXX was covering it XXXX did not pay for all of it only a portion XXXX  charged my card {$1500.00} to cover the amount after I told them do not change any thing other than the XXXX XXXX cleaning deposit that I agreed to I filled out an dispute on the charges with mastercard in XXXX they said they would send me a letter in mail of all the documents that they need the letter never showed up so I called the in XXXX to send me another paper got it XXXX sent in all the documents that I had even a email from my lawyer to XXXX were XXXX  agreed to pay but did not so I contacted mastercard again in XXXX the lady said that the dispute was over the 90 days all I could do was write a letter and email to mastercard and thay would contact me back nobody ever did I called again in XXXX the same thing happened contacted again in XXXX thay said thay could not do anything about the charges even though thay raised my credit limit to cover the charges without my permission and the charges that told XXXX do not charge to my card mastercard told me thay couldn't do anything about the change that I had to pay it and she said she couldn't help me any more she was spinning her wheels and hung up on me when I called back after type in my card number thay decided the call three times XXXX charges my card after I told them not to Mastercard raised my credit limit without my permission and did everything they could to avoid helping me with the charges thay accepted without my permission are knowledge XXXX committed credit card fraud so did Mastercard and this seems to be OK with everyone but me I'm XXXX  and a XXXX XXXX and a XXXX XXXX who is off on workman 's comp with a XXXX  XXXX XXXX don't know when i can go back to work I'm doing everything I can to pay for everything but I can not afford to pay for a charge that didn't have my permission are knowledge thank you for you help
Product: Checking or savings account

Collusion in over draft payment By Bank of America and FHA loan case # XXXX, XXXX checking plus violation along with United States Treasury checks or direct account, XXXX XXXX XXXX  credit card manipulation and ach transaction, XXXX XXXX over draft collusion and manipulation, XXXX XXXX XXXX bank failure in Federal Truth In lending disclosure act et. al. and illegal securitization of intellectual property rights and more. Including XXXX XXXX XXXX!
Product: Credit reporting or other personal consumer reports

This Company violated my rights to privacy, have not showed me proof of original agreement and has a negative item on my credit report I gave no permission to or signed any contracts for.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have recently received a copy of my report from XXXX XXXX and XXXX XXXX. I wrote Bank of America a letter at XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX, explaining this incorrect information. I request for BOFA to dispute the following incorrect information showing on my report file. On The report copy I circled the items I dispute on the attached copy of my report I received from XXXX XXXX and XXXX XXXX. 

Bank Of America Account # XXXX and Bank Of America Account # XXXX stated it was closed down due to fraudulent activity. 

I have recently disputed this with XXXX XXXX and XXXX XXXX, this is inaccurate information reporting on my report! Im a victim of identity theft, I am requesting that these items be removed to correct this report information. 

Enclosed are copies of my Police Report, Federal Trade Commission on Identity Theft Report FTC Report Number XXXX, a copy of my current Identification Drivers license and other supporting documents. 

Please reinvestigate this matter by deleting and correcting the disputed items that are showing on my report as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX https : XXXX? XXXX & XXXX & XXXX & XXXX
Product: Checking or savings account

Charges were made to my CC in the amount of ( roughly ) {$1800.00} that I did not make. Chase stated that XXXX said the charges were authorized through XXXX XXXX but there is no record of this in my XXXX XXXX and Chase did not give me any supporting documentation of this claim, they just denied it. I spoke several times with representatives from the Fraud dept with no help whatsoever. I submitted the police report and the Federal Trade Commission report and they still denied my request for refund. I spoke with a Chase Fraud Supervisor who stated " XXXX XXXX your time is valuable, there is nothing I can do here... and then hung up without letting me speak ( there should be a recording of the phone call ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from capital one back from 2022. The account was removed from my credit report but for some reason the hard inquiry remains. I need this hard inquiry removed asap. From capital one to all 3 major credit reports. The account was opened fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

We recently sent a letter to XXXX and Trans Union, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.
Product: Payday loan, title loan, or personal loan

I got transferred to 3 different departments on the phone, when I finally got to talk to someone I told them what happened and they said they would escalate the situation to someone in higher power and will be contacting me they never did. I keep receiving emails from ACE cash express saying that I owe XXXX dollars on XXXX XXXX. I began getting the emails on XX/XX/XXXX saying that I made an in store appearance and I havent left my house since XXXX.
Product: Vehicle loan or lease

Couldnt pay the loan due to COVID-19 got layed off
Product: Credit reporting or other personal consumer reports

I reached out the courts about the bankruptcies reporting on my credit file.I was told by the courts they do not provide this information to the credit bureaus .I would like this information deleted from my credit reports asap the case numbers are below. 

Date filed 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified collection listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX VA XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

I would like to notify the credit bureaus once more that I was the victim of identity theft. Additionally, I would like these items stemming from the claimed identity theft to be removed off my credit file. Credit Bureaus are obligated to remove any items specified in Identity Theft in accordance with FCRA XXXX05B ( 15 U.S.C. 1681c-2 ). 
Here is the list of items I wanted to remove once more! 
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 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 or other personal consumer reports

A third party collector show up on my credit report by the name of XXXX XXXX XXXX and I do not know who they are. It says sprint but I have never had sprint before. This information is false. And I would like it removed asap
Product: Bank account or service

I banked at Bank of America. I am on a fixed income, and unfortunately, due to my finances being stretched thin, and having made the mistake of allowing debtors to debit my account directly, there were numerous instances of my account being negative ( overdrawn ) at the end of the month. But what BofA did, was to monitor my account, then, when debits came in they were not processed immediately, in the order of their occurrence, they were put into a " pending '' status. The largest amounts were then deducted first, taking the account into an overdrawn condition, the result being that they were then able to charge {$35.00} for each small debit, as opposed to the actual in sequence debits, which would have resulted in only XXXX {$35.00} overdrawn charge. The financial impact was numerous months where the charges exceeded {$300.00} ... ..which compounded my financial problems the following month. I wrote to BofA and filed complaints several times ... .to no avail. I know someone was watching my account and doing that out of sequence debiting deliberately to achieve raiding my account for greater numbers of {$35.00} fees than would have happened if debits were done sequentially. I finally left BofA, but they continued to tack on additional fees which today have a total of around {$500.00} ... which I will not pay regardless of the effect on my credit rating. I am XXXX years old and will never buy another thing on credit again. Now that we know the dirty underhanded way the bankers and wall street have cheated, deceived and exploited XXXX for their own gain. It is so sad to me that ehy have not been effectively prosecuted. Such as the CEOs being chaged and found guilty of Felonies for XXXX XXXX, and then were given waivers and the bank was fined $ XXXX, paid by the banks customers. The lying cheating executives got to keep their ill gotten millions. Disgusting!! I am voting for XXXX XXXX in the hope he is elected and my bring about some change in what billionaireds get away with in America.
Product: Credit reporting or other personal consumer reports

please removed the following accounts and update Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CREDIT XXXX BANK Balance : {$390.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$340.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account name XXXX XXXX Account XXXX : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$620.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX BANK Account number : XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX Account name XXXX XXXX XXXX Account number : XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$2400.00} Date of account open : XX/XX/XXXX Please delete the following inquiries : XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX ; Inquiry : XXXX XXXX Inquiry Date XX/XX/2023 and XXXX XXXX XXXX Inquiry Date XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected or deleted ASAP. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Called XXXX XXXX to discuss making a payment arrangement to satisfy a debt that I owe. I offered a payment of a {$100.00} a month ( {$50.00} Biweekly ) and XXXX XXXX said that they could not take less than {$200.00} a month. I informed them that I can not make a payment that high at this time at in the future I could. I again asked if I could start with the {$50.00} bi weekly payments and he then said that they could not again. At this time I got off the phone as I was not able to make an arrangement with them.
Product: Debt or credit management

I am a member of the Financial Institution Navy Federal Credit Union, and according to them someone or somehow of unknown forces has infiltrated my bank account loosing my debit card privileges for XXXX  year. effective XXXX XX/XX/year>. This company thinks I arbitrarily allowed other companies that I associate with that I allowed the cybercriminals access to my bank account, which I did not do, thus because of several incidents with this company I allowed to have this done. I do not and I repeat I do not give out any information about me, nor do I provide these criminals my social security number and any other pertinent information about me or my family.
Product: Vehicle loan or lease

I have an loan from santander about 2 years now and I feel the amount is really high the balance also. I have received a letter about the settlement and I reach out to them but was turn away. The price was XXXX and with everything it came to XXXX and I put down XXXX which brings it back to XXXX. Every month when I make my payment I see that my whole XXXX isnt Deducted from the balance just like XXXX dollar is. My current balance is XXXX and I put down XXXX. And when they budget me I feel they were giving me rates to fail. XXXX a month when Im making XXXX a week and thats not taking taxes out yet. So makes XXXX. I dont understand how Im still owe XXXX. On this car thats not even worth XXXX and is XXXX years old. My account should be look over or something not happy.
Product: Credit reporting, credit repair services, or other personal consumer reports

These CRAs are currently reporting a false and invalid account on my report. The account in question is NOT mine and I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

In XXXX it was brought to my attention that a collections company, Ad Astra Recovery Services Inc., was attempting to get payment for a loan of {$1200.00} taken out on XX/XX/XXXX. This is a loan that I did not take out. They were threatening to have me arrested and would harass my family as well. I took steps with Ad Astra to clear the account they had under my information by completing a police report and writing them a formal response informing them that the debt was a result of an instance of identity theft. They told me that everything was taken care of. Earlier this year I received a letter in the mail from XXXX XXXX XXXX , XXXX, stating that they have taken over the account and that I now owed them the debt of {$1200.00}. When I spoke with them on XX/XX/XXXX they requested the same documentation, so after waiting to receive the police report, I sent them all documentation on two different occasions, XX/XX/XXXX and XX/XX/XXXX. I did not hear back from them until it was brought to my attention that my XXXX  credit score had dropped XXXX points because of this debt.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am an AU on a XXXX XXXX account with a credit limit of {$11000.00} Ive tried for months to get the card to report on Transunion and nothing is working. Transunion is the only bureau that will not report the account. 

Ive contacted the Executive Office of XXXX XXXX and theyve assured me they are reporting the account. I have multiple case numbers where they have shown they are reporting and re-reporting as well as asking for reinsertion of the account and Transunion refuses to report the account. Case # XXXX Transunion is telling me that someone from XXXX XXXX has to call them and get in contact with the local Transunion marketing agents/department in order to have the account report. Transunion will not give me the info to pass onto XXXX XXXX in order to have them do so. Also, XXXX XXXX has said they DO NOT call the bureaus and it is strange that Transunion is requesting they call and refusing to report the account when they are providing them the info monthly. 

XXXX  XXXX is in fact reporting to Transunion, Transunion is refusing to report the account. Im unsure why Transunion refusing the info XXXX XXXX is sending them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts have been made to remove non-mailable addresses and employment history off my credit report with TransUnion. Last spoke with an representative XX/XX/22. 
The only address to remain is my current address and current employment. To this date the information remains inaccurate. 

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information ''. Inaccurate information must be removed immediately ; these are non-mailable and I no longer am employed with said companies.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAVE A FRAUDULENT ACCOUNT IN THE AMOUNT OF {$650.00} ON MY REPORT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. IT IS HURTING MY ABILITY TO OBTAIN CREDIT. 

ALSO I DO NOT RECOGNIZE, NOR DID I GIVE XXXX XXXX XXXX AUTHORIZATION TO CONDUCT A HARD INQUIRY ON MY REPORT DATED XXXX. PLEASE REMOVE THAT AS WELL
Product: Credit card or prepaid card

On XX/XX/XXXX I paid {$1500.00} from my Bank of America Corporate Checking account to my Bank of America Corporate Credit Card. BofA took the funds from my personal checking account. These accounts are not linked. BofA states they would return the funds on XXXX XXXX & XXXX. The funds have not been returned to my personal checking account and the stated error on their part has incurred numerous fees to my personal checking account.