23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I returned XXXX equipment on XX/XX/XXXX, and settled the debt with Previous Collector on XX/XX/XXXX, confirmed by XXXX as zero balance. Now, New Collector is reporting the same debt, violating my rights under FCRA 611 and FDCPA 807.
Product: Money transfer, virtual currency, or money service

We received an email on XX/XX/2020 from Bank of America that is a fund transfer notification through XXXX the amount of {$6900.00}. Since we never authorized the transfer, we called Bank of America XXXX in the morning ( we have call history ), and requested stop the transfer. The number we called is XXXX. The representative said that the transfer is on pending, so there is nothing that they can do, but said if it is fraud, then we will get total refund. So the representative reported that transfer is fraud on the day XX/XX/2020 with the claim number XXXX. After that day, the transfer was completed, and we're just waiting for the full refund for about 2 weeks. During the waiting, we checked the bank account again, and found one transfer attempt the amount of {$8600.00} which we never authorized was failed already. About 2 week later, however we did not get any refund, so we called Bank of America again many times. They kept saying the investigation would take about 45 days, and we will have total refund. After long waiting, on XX/XX/2020 we received a mail that said Bank of America will not give us any money back because the transaction was completed using a device that is consistent with previous valid account activity. Of course we called the bank again, they said if we need to open this case again, we have to prove that our computer was hacked. So, we looked up our computer log, and found something that looks like the computer hacked. We printed them all, and submitted to Bank of America email. Also, we went to a BOA branch, and handed some documents directly. Recently we called the bank again, however, they said they did not receive anything after they closed the case. We don't know what to do now. We spent a lot of time and energy to get the money back.
Product: Credit card or prepaid card

On XX/XX/XXXX I checked my credit score and saw that my score had dropped significantly. After reading into my score, I saw that there was an account present that I did not open. And there was a charge of {$1000.00} to that account. I called the bank where that account was opened and explained that it was not me that opened the account. So, the fraud department at that bank told me that they closed the account, but I would have to file a fraud alert on the three major credit bureaus and then file a police report on Identitytheft.gov. Finally, I would have to send all this information into the bank in order to have the charge reversed and my credit cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
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. XXXX contacted XXXX, XXXX, and Equifax to reinvestigate this accounts : XXXX XXXX XXXX Account number : XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$53000.00} This was mailed on XX/XX/XXXX The results came back twice XX/XX/XXXX and XX/XX/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 1681 ( 5 ), they are supposed to modity accounts that aren't reporting correctly. 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not turnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate. Due to the inaccurate reporting and fraudulent errors reporting on my credit report, this has dropped my credit score XXXX points. My credit score was XXXX from hard work and dedication and responsible consistent maintenance. In addition this is a business account and responsibility is legal bound to business and by law should not be reporting to my personal credit report only to XXXX number under the business. This inaccurate reporting error and violation is financially devastating for me and is a complete hindrance for my financial future and current livelihood. With such a drastic decline in my credit score I am unable to buy a house, obtain credit and provide from my family provide for my family. I am currently suffering from XXXX XXXX XXXX  and emotional distress due to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account is reporting as a " charge off '' for month after month. According to the FCRA a charge off can not keep reporting month after month. This has been a continued inaccurate reporting by Equifax, with continued violations of my FCRA rights. Please see attched image for the inccurate reporting XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Paid Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 0 0 High Credit : {$0.00} {$2000.00} Credit Limit : {$2000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account legally paid in full for less than the full balance. 
XXXX*CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT. 
Paid charge off Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two
Product: Debt collection

On Friday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX via telephone, to question them about my debt account they purchased from Chase Bank Credit Card Division. I informed them, that said debt had no activity since XXXX, and asked why do they continue to contact me. I was informed that the last payment to Chase was XXXX XXXX. I informed XXXX, I have not paid anything on this account since XXXX, and that someone, including them, XXXX claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from XXXX XXXX and was informed, XXXX sent out a letter in XXXX. I told the XXXX Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XXXX. Again, I requested the letter, and was told, " No. '' Additionally, since I have not paid on this credit card bill since XXXX, I am requesting XXXX cease reporting this to XXXX Agencies. 

Chase Bank USA card number : XXXX XXXX account number is same as chase, but, they also have another number, too : XXXX
Product: Mortgage

There were two months in 2020 where Midland Mortgage filled that I had late payments. The payments we not late, but an issue with the autopayment tool reverting payments back to an old mortgage account ID. I was not notified that it was listed as a missing payment until after the first month past. By then I was working in figuring out the issue. Everytime I tried to pay again that second month, the their system would show it was paid at the end of the process only to find out it would get reversed again 2 weeks. This two week reversal went on for 6 weeks before I figured out that the system was inputting an old account number and couldn't be matched with my account. I called Midland and wrote a note to the president and got no response. Please help.
Product: Student loan

Heartland ESCI sent my XXXX loan from the University of Washington to a debt collection agency on XX/XX/XXXX while the CARES Act forbearance was in effect. I received noticed XXXX that my account was in bad standing despite receiving two e-mails on XX/XX/XXXX stating that due to Covid-19 relief my account was placed in automatic forbearance until XX/XX/XXXX and no payment was due. I received no additional communication regarding my account, including payments necessary, until the acceleration e-mail on XX/XX/XXXX. All attempts to contact Heartland ESCI have immediately routed me to the collection agency XXXXXXXX XXXX XXXX. This seems illegal and incredibly predatory as it is now negatively affecting my credit as I try to deal with an account that should not have been sent to collections, if not because of the CARES Act then their own written communication to me. My account, according to them, would not have been in bad standing until I missed a payment on XX/XX/XXXX but it was accelerated on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX {$630.00}, XXXX {$720.00}, XXXX {$870.00}, XXXXXXXX XXXX {$440.00}, XXXX XXXX  {$200.00}.
Product: Debt collection

I lived in XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX from XX/XX/XXXX to XX/XX/XXXX. at the time that I had to move out I owe the landlord absolutely nothing I asked him to help me move my furniture into my storage to the fact that I was a single mom and couldn't lift them myself and he was the only one that I knew with the truck he refused assistance then when I moved out he dumped the furniture and charged me {$2400.00} for dumping fees and 10 hours of cleaning fees as a self-employed business owner of a house cleaning business I know for a fact that I left that apartment which was under 500 square feet one bedroom intact with normal wear and tear and very clean stove fridge and oven he has outrageously charged me as well as other tenants that he has forced to move out I was asked to leave and didn't want to risk having an eviction on my record so I went ahead and left then he charged me {$2400.00} in XXXX which wasn't even put on my credit until XXXX and now I'm being charged {$3200.00} which is just like an eviction in the eyes of other apartments owners so it is XXXX me in the end being a single mom with a child and XXXX XXXX XXXX student I am I unable to acquire stable housing and can not be approved for an apartment I've been homeless since the day I was asked to leave and he refused to renew my lease after four and a half years of residency stability and safety for my child from ages XXXX XXXX old to XXXX and a XXXX  years old she knew nothing else as home.
Product: Credit reporting or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX 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
Product: Checking or savings account

On XX/XX/XXXX I purchased a plane ticket that was fully refundable. The charge was pending and I cancelled the service two hours after buying the ticket but the next morning this bank cleared a transaction that had been reversed. I reached out to this bank and showed proof my transaction had been refunded. It has been over a week an no return of funds. I called and was on hold for 52 minutes on XX/XX/XXXX but had to go back to work. I sent an email in a thread I had been having with a rep and still no reply. This debit card is through the Branch APP partnered with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am formally disputing the XXXX XXXX XXXX account on my report and requesting a verification/validation of debt, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX : XXXX. XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX. 
Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that I DID NOT make and XXXX  is refusing to delete them. I have spoken to the inquirers themselves and they have all stated that they would send a request to XXXX to delete the inquiries but they still have done nothing and state they never received any word of this. After this long, that can not be true. 

The inquiries are XXXX : XX/XX/2019 CommenityC/XXXX  : XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX  : XX/XX/2019XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX and Experian.  


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a credit report and found out that there was a account on my credit from Allied ( Account number XXXX ) XXXXThe was a collection place on my account that has no history of any kind other than a ( C ) on it which stands for collection. I was not notified of this by XXXX or by ALLIED ( COLLECTION SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ). I request that the information by phone directly with an agent. I also sent in letter to XXXX. I also sent allied a letter. The item remains on my account
Product: Checking or savings account

The account I will talk about is a joint bank account and both XXXX XXXX and spouse XXXX XXXX are user of such account. In XXXX XXXX XXXX wallet was stolen. The next day we noticed two {$950.00} withdrawals from the account. We immediately went to the bank to inquire about the withdrawal. The bank employee pulled the withdrawal slip and said it was done through the drive thru. They showed me the slip and the signature was obviously different than our signatures. I submitted a claim with the bank and they credited my account. A week ago they reversed the transaction and they charged my account with {$1900.00}. I called the bank and they stated that the investigator determined that two forms of identification were used. The PIN and the ID. This is not possible because we were together and at work when these transactions took place. No one other than us know our PIN numbers. However, even if the PIN was used, the ID could n't have matched the person who collected the funds because we did n't go to the bank that day in the morning. We were both at work and we work together. Furthermore, the signature on the slip and the signature recorded on the account do not match at all. Now my account is negative {$1900.00} and the results of the investigation on my claim are in no way possible.
Product: Credit card or prepaid card

didn't receive points that were promised in CFPB case XXXX
Product: Credit reporting or other personal consumer reports

according to the consumer reporting agency that prepared my consumer report failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15usc1681 ( e ) ( b ) and reporting agency has violated the law and has made it impossible for me to make a purchase for me and my family. if the reporting agency fail to delete the inaccurate information i will be pushed to invoice for every violation of law which is {$1000.00} per violation now lets do the right thing and delete this account.
Product: Credit reporting

I had cable service with XXXX. When I returned the equipment because I was moving, XXXX said they would send me a final bill. I never got a bill, nor did I get a call from them ( I had the same phone number as when I was a customer ). My mail was being forwarded. The first I found that XXXX expected payment from me was when my account went into collection. I immediately paid XXXX, but the Adverse Account has ruined my credit. My account should never have gone into collection because I was n't billed or contacted, and therefore it should be deleted from my credit report. TransUnion refuses to delete the entry. XXXX, the collection agency, also refuses to request the entry be deleted because there 's nothing in it for them. I 'm not their customer so they do n't care that my credit is ruined.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of an incorrect account from my credit report. This account was created and used without my permission, and I have attached the necessary documents to substantiate my claim.

I respectfully request that you investigate this matter promptly and remove the unauthorized account from my credit report. This incorrect entry is adversely affecting my credit score and financial standing.

Thank you for your prompt attention to this matter.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is EOS CCA was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).  However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, EOS CCA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of New York allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) EOS CCA failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation EOS CCA is held liable as well for defamation and in the state of New York. EOS CCA has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Debt collection

Name ADVANCED COLLECTION XXXX Address XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This company has been callimg me repeatedly after i told them to stop. i get an average of XXXX phone calls a day from these people. I have a strict phone policy at my job so it puts me in jeopardy of loosing my job
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX ) I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. This inquiry was not authorized XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my credit report. 

XXXX. This inquiry was not authorized. 
XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Please remove this from my consumer report. 

XXXX. This inquiry was not authorized. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my consumer report. 

XXXX. This inquiry was not authorized. 
XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove this from my consumer report. 



Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation.

I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.