23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX + Card from Citi XXXX was got debited by {$140.00} this was debited XXXX XXXX XXXX as an description. I have never requested for this product not received the product from this vendor. I have inform the Citi for the same. they have assured me that the necessary action will be taken by them. After two month in XXXX again the amount got debited to me which was reversed by Citi. although my account was closed by Citi in the XXXX 2015 only, still they are charging late payment and overdue interest to that account. I am getting harassment mails from citi for payment for a transaction which i have not done. Being a valued customer of citi i have requested them since last 4 month to look into that but all vain. also they are not providing me POD details that i have received that product from vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening This notice and communication is to inform the consumer financial protection bureau Add commercial world There is miss information being reported on my credit report by XXXX There is a gas bill reporting as a collection from a 3rd party I have made several communications to remove this Incorrect account without XXXX removing it. 

There's also a new collection on my account from a XXXX party collection agency that I do not have a contract with. 
I called for the immediate removal of all collections from XXXX party debt collectors on my credit profile thank you.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) reviewed my consumer report and I did not authorize, benefit or consent to these inquires. 
These companies are in violation of the FCRA codes : 15 USC 1681B ( 2 ) ( 3A ) and 1681. 

Please see attached FTC report and identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in my original complaint XX/XX/23 and after 30 days i put in my second complaint because it had been over 30 days it had been 32 days to be exact on XX/XX/23 and two days later XX/XX/23 the company relied to my original complaint. On XX/XX/23 that made 34 days. Once i replied and point out that 30 days was up and everything must be deleted they said they need more time and they will respond back within 60 days. THAT IS AGAINST THE LAW! 
15 U.S. Code 1681i - Procedure in case of disputed accuracy Cleary states conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
They respond at 34 days putting them past the 30 day window and they did not record the current status of the disputed information. Both are against the law and violations! 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. Only additional times is added to a dispute if a person adds new in formation to the original dispute and in that case the company gets a extra 15 days which makes 45 days not 60 days! In this case i did not add new information! I put in a second claim once the 30 days was up letting them know 30 days was up and what had to happen next according to the law! ACCORING TO THE LAW YOU ONLY GET 30 DAYS! 

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

Trans Union concluded an investigation, # XXXX, wherein I disputed the propriety of reporting/listing ( XXXX ) Chapter XXXX Bankruptcy ( s ), to wit : Docket # XXXX ... and Docket # XXXX ... Both of the Petitions were Dismissed and there was no Discharge of Individual Debt in either case. On investigating my dispute, Trans Union Deleted Docket # XXXX ... quoting line 1 of the entry : CHAPTER XXXX BANKRUPTCY DISMISSED DOCKET # XXXX ... DELETED. HOWEVER, Docket # XXXX ... Trans Union Verified as Accurate ... quoting line 1 of the entry : CHAPTER XXXX BANKRUPTCY FILING DOCKET # XXXX ... VERIFIED AS ACCURATE. On Docket # XXXX ..., Trans Union inserted the word ( " Filing '' ) when they were obligated to notice this Bankruptcy had been Dismissed as well thereby compelling Trans Union to Delete Docket # XXXX ... as well. A strict review of the case and the Final Order clearly indicates the case was administratively closed.. .it was Dismissed... there was no Discharge awarded. Therefore there is no " Responsibility : Individual Debt '' as improperly annotated by Trans Union on their investigative results.. 15 U.S.C. 1681e ( b ) states that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On information and/or belief, T.U. can not be following reasonable procedures to assure maximum possible accuracy if T.U. is ignoring strict proof ( Final Order originated by the Federal Bankruptcy Court. ) Trans Union has been provided this strict proof a number of times but remains stalwart in their defiance of the FCRA and 15 U.S.C. The Final Order states, " The Trustee is discharged from his office and the Clerk of this Court is authorized to close this case. '' Prior to the Final Order, instant consumer filed a Motion to Voluntarily Dismiss the Petition Docketed # 107011 ... Pursuant to the consumer 's Motion to Dismiss, there was no Discharge of Individual Debt. Further, " Debtor [ instant consumer ] filed a Motion to Extend Administrative Closure of Chapter XXXX, requesting that the Court hold in abeyance the administrative closure of this case on the ground that the Debtor has not exhausted the statutory time limit to pursue a legal malpractice claim against his former counsel, XXXX XXXX XXXX, XXXX, XXXX. '' XXXX had filed an erroneous and incomplete petition without authority and as a result, the Federal Bankruptcy Trustee abandoned all claims to over {$30.00} million dollars in listed assets as a result of malpractice claims against XXXX XXXX XXXX XXXX, XXXX. Not only was the case in re : Docket # XXXX ... an unauthorized filing, it was later Dismissed and Administratively Closed by the Federal Bankruptcy Court.
As a result, the entry should be removed from my Trans Union Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

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

I made telephone contact ( XXXX ) with DeptED/XXXX  to stop reporting incorrect information to all three credit bureau. The date of the last activity is incorrect. They are no longer the loan servicer for my student loans. I spoke with ( XXXX-agent Id XXXX ) and she informed me that XXXX does not report information after seven years. She explained that no XXXX balance on all accounts. She further asserts this should not be reporting on my credit report and they have not sent any information to the credit bureaus. She told me to send a copy of my credit report to verify what is exactly being report so they can see and make a dispute. XXXX I clearly do not understand why XXXX, Lexis Nexis, XXXX XXXX, XXXX, XXXX, and XXXX. The following loans are out of date : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX When reaching out to all credit bureaus XXXX, XXXX, and XXXX all verify the information is correct. These loan amount all affect my debt to income ratio. I do not have any student loans with the Department of Education/XXXX. This company is not a loan servicer. The information should be completely removed from all of my credit reports and they have cost me Loan opportunities DECLINED for home loans due to the debt to income ratio is too high. According, to the Consumer Protection Fair Credit Report all information on all three credit bureaus, must be reported correctly with the same date of last activity, balance amounts, correct address information, and correct date of birth, correct year of birth, and correct address. When calling into Department of EducationXXXX they did not have my correct address, they did not have my correct telephone number, they did not have correct current information. I am going to take my concerns to Court to enforce my rights as a consumer. I have written at least five letters since XX/XX/2020 trying to correct this information.
Product: Debt collection

I have on multiple occasions disputed this account with Bank of America saying it does not belong to me and Bank of America continuous to say this a accurate account without any document verification. Under FCRA section 623 it pacifically states that they have to show document verification that associates me with this account and if not thay have to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to update an account on my Equifax report. 

I am a cosigner for my husband at the time The account was enrolled in a debt relief program in XX/XX/2015, and that is when the delinquency began My husband committed XXXX  in XX/XX/2015 This account is greater than 7 years delinquent
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I paid XXXX XXXX a square user and XXXX XXXX {$210.00}, {$200.00} and XXXX via my XXXX XXXX XXXX for services rendered. Square told XXXX XXXX that I XXXX XXXX and my Bank- TXXXX XXXX XXXXXXXX disputed these charges when in fact we didnt. Square removed these amounts from her XXXX XXXXXXXX XXXX account and Fraudulent stated the reason was XXXX XXXX and XXXX XXXXXXXX disputed it. Square hasnt provided proof of dispute and refuses to return the funds to XXXX XXXX XXXX. This is an act of XXXXraud and Defemation of my Character.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020, XXXX XXXX XXXXXXXXXXXX XXXX, JPMCB CARD SERVICES AND XXXX ADDEDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX, XXXX AND XXXX XXXX. UPON FURTHER INVESTIGATION, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTOR'S/CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT, OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANY PERSON CAN SEND A BILL AND SAY THAT IT BELONGS TO ME. ACCORDING TO THE FCRA, XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS AS A CONSUMER AND I AM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Debt collection

Me and my Fiancee were served eviction for failure to pay water bill even though the lease said landlord was responsible. When we went to court, the landlord 's attorney asked for mediation. We signed an agreement to turn the eviction into an end of term agreement. We agreed to move out and leave the unit in broom swept clean condition. We signed a stipulated agreement that if the landlord didn't withdraw the original complaint and agree to the end of term agreement, We were to file a motion to open for the case to be withdrawn. The landlord never responded within the allotted time period and we were granted a judgement of dismissal. We were contacted by Hunter Warfield in XXXX saying we owed a debt based on terms of the lease that we signed. We explained to them that we were never found liable for any debt and any thing pertaining to the lease was dismissed along with the original case. We also sent them a certified debt validation in XXXX letter to which we received no response. We contacted the credit agencies and had the collections removed from our reports. Even though we didn't receive any validation to prove we owe the debt, Hunter Warfield has once again sent correspondence asking for payment of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Act, everything has to be 100 % accurate on my credit report. The credit bureaus said my accounts were properly investigate ; however, there are many inaccuracies such as date opened, number of months ( term ), payment status, and last reported date. This is grounds for removal and they have also violated my rights under 15 U.S. Code 1681. 


I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX ... Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian, XXXX, and XXXX " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to : XXXX XXXX XXXX, We received the copy of the identity theft report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. 
Please send : all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency To verify your identity, please include the following : Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Make sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 
To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. Be sure to enclose a copy of the identity theft report that alleges this crime. 
If you do not provide Experian with the required information specified above, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. 

*** I'M ALSO NOW SUBMITTING AN FTC IDENTITY THEFT REPORT XX/XX/21 WITH ALL OTHER DOCUMENTS.
Product: Debt collection

There is an amount of {$1400.00} on my credit report from Stern Recovery Services. I have no knowledge of what this is for. I require validation of the debt. Identification of the original creditor. I also require validation that the debt is mine for services rendered to me. Along with documentation signed by me acknowledging that I would be responsible for any debt owed.
Product: Money transfers

WE HAVE USED WESTERN UNION BEFORE TO TRANSFER MONEY TO IMPOVERISHED RELATIVES IN XXXX, HAVING TESTED THE SYSTEM A FEW MONTHS AGO WITH {$50.00}. AFTER SEVERAL ERRORS, WE FINALLY GOT THE MONEY PICKED UP BY FAMILY IN XXXX XXXX. AT XXXX WE DECIDED TO SEND A LARGER AMOUNT USING THE SAME ACCOUNT AND RECIPIENT IDENTIFIERS AS THE PREVIOUS TEST TRANSFER. ON XX/XX/XXXX WE SENT {$300.00} THAT HAS BEEN REPEATEDLY REFUSED TO THE RECIPIENT FOR SKETCHY REASONS ( NAME IS NOT EXACTLY RIGHT ) AND DESPITE THE EARLIER SUCCESSFUL TRANSACTION. WE SUSPECT SCAM AND THEFT AND HAVE EMAILED W.U. ACCORDINGLY. WE ALSO FILE THIS COMPLAINT. THE ISSUE SEEMS TO BE NAMES. OUR SISTER HAS A COMPLICATED MULTI-PART NAME AS FOLLOWS : XXXX XXXX XXXX XXXX. WE HAVE TRIED TO SHORTEN IT FOR W.U. - OBVIOUSLY FAILING - OR BEING CHEATED AS A RESULT. DESPERATELY NEED HELP HERE. 

XXXX AND XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXXXXXXXXXX
Product: Mortgage

I have been asking for a loan, reinstatement amount and payoff letter since XX/XX/2022. Mortgage company has refused to send me information.
Product: Money transfer, virtual currency, or money service

Cash app allowed fraudulent purchases and refuses to refund the charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXX from my credit report. It is a medical bill and it has been violating my rights under HIPPA. They do not have my signed HIPPA authorization form stating that I gave them permission to report this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from navient. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL NAVIENT ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} EDU {$1100.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} EDU {$1000.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED T
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed a XXXX XXXX XXXX on my credit report. I do not have knowledge of this. I contacted the U.S. Bankruptcy Court, they investigated my concerns and concluded that the item does not belong to me.
Product: Credit reporting or other personal consumer reports

I got a line of credit through XXXX XXXX XXXX on XX/XX/year> and I was making a monthly payments on time till I paid the loan complexly, I was never late even once. When I checked my credit I saw a company NR/SMS CAL that was reporting a late payment for the same amount but different account number, I never sign up with this company nor made any payment to them, I never heard about this company before. I believe there was some kind of mistake made in the system! Maybe the loan got sold to a new company but I always paid on time to XXXX XXXXXXXX XXXX. Thank you!
Product: Bank account or service

Rush card did an update on their system and somehow my money magically disappeared. My balance was XXXX. I pumped XXXX in gas and my balance went down to XXXX. ( -XXXX ). I quickly withdrew the remaining balance. Last week one of my jobs deposited me a check of XXXX and my XXXX job a check of XXXX. I still have n't received either deposit. I have bills and kids and even if I did n't its my money and I need it.