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

I received a call from this company phone number called from was a robo/ XXXX ( XXXX ) XXXX not belonging to them. A XXXX asked for me and asked was dob XX/XX/XXXX she attempted to say shes a debt collector - I asked what company are you referring to she claimed XXXX Credit Card - very odd I explained because I had this removed from my report years ago for fraud ( the card was stolen and I proved not my debt with a previous company ) they never provide anything to me just removed it. She said well we bought this from them and not pursing? How can you do this after it was removed and resolved? Totally fraud. I will seek legal action from this company. They failed to research and threaten to add it back!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   pulled my cred it three  times in  XXXX  of  2016 .     I did apply to refinance my truck loan in  XXXX     2016  but, I do not understand why my credit was pulled  three ti mes? For the same loan. I have disputed these with all  XXXX  credit agencies and wi thin 24  hours I am being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my   XXXX   score. The irony here is that  XXXX   XXXX  declined me for a credit line increase on my credit card because I had too many inquiries.       Transunion :  XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX  /2016      XXXX   XXXX    XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX /   2016    XXXX   XXXX     XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX & XXXX account XXXX XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the rights 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: Debt collection

I began receiving numerous phone calls every day at all hours along with letters that said I owed a debt that I didn't believe I owed. I asked my husband to contact them to find out what they were calling about. When he asked them for proof of the debt they didn't want to send it. Finally they agreed to send something. When it arrived it was only part of the story. They left off payments etc that would reduce the amount. They claimed it was what they were given as they had received it from another company and they were the 3rd party. 
When we offered to pay the amount that was actually due they wouldn't accept it and threatened to sue. 
Eventually they somehow got a " judgement '' on XX/XX/XXXX. We were not notified of the time, date, or meeting, whatever they had, for this " hearing '' so we couldn't be represented. 
I don't know how much they have taken in the interim from my checking account because my bank hasn't notified me who has been taking the money, but it has been several hundreds of dollars. 
Yesterday I was told they have somehow gotten an " Order of Wage Garnishment '' at my employers office. This one has a date of XX/XX/XXXX. AGAIN no opportunity to contest it, question it, or settle it. 
These people are dishonest and deceptive in their practices. I have had no opportunity to settle the debt and resolve this. Further, I suspect it has been reported on my credit bureaus again unfairly and incorrectly. 
This needs to be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you and all credit agencies, XXXX transunion, XXXX XXXX XXXX, etc. as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your Debt Collection services could fax, mail or email in a fraudulent account. these debt collectors failure to verify this account is trespass on right to privacy and to contract. Under the FDCPA, 15 USC 6802 unverified accounts are considered a Fictitious Obligation and any demand for payment of such is an attempt to extort and administer property without right. 
I require the following accounts be verified or removed immediately XXXX Ref # XXXX XXXX Ref  # XXXX
Product: Student loan

on XX/XX/2019 I called in to Sallie Mae to continue my Forbearance with them and to pay on a loan that was due for {$120.00}. I asked the representative why the amount is higher than what i was told at the beginning of the month. She then continued to ask how i would like to make the payment. I Advised that i was told i only owed the XXXX not the XXXX they are trying to say. The representative then told me " she's not doing this back and forth thing with me and she is just trying to do her job '' I advised i didn't need her attitude and that i am asking her why my payments are higher than previously stated. She continued being very rude and transferred me to a manager who continued being just as rude to me. Their customer service is completely disrespectful and need to be held accountable for their disgusting actions.
Product: Credit reporting or other personal consumer reports

I applied for a position at XXXX XXXX and they used first advantage as the agent to investigate my my report but the report that first advantage gives to the employer I dont know if is correct because that information affected my employment status until XXXX XXXX their not able to work with me anymore. Thats why Im trying to see if I can get help from that and see this as the right place to get my rights back because I understand I have bad credit but I dont have any bad history about employment history so how my credit score can affect my credit history
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( 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 Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please Delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Bank of America offered me a promotional balance transfer APR of 0 % until XX/XX/XXXX. In XX/XX/XXXX I took advantage of this promotion and transferred a balance on to my card. 

I called Bank of America and asked them how I could go about continuing to use the credit card for purchases, while avoiding paying interest on my bill. I was told that as long as I made a payment equal to the minimum payment plus any purchases I made, I would not be charged any interest. This is also reflected on the statement in the section " Important Information About This Account '' : HOW WE ALLOCATE YOUR PAYMENTS- Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. 

Based on this information, I made a payment on XX/XX/XXXX of {$980.00}. This includes a minimum payment of {$47.00}, plus {$930.00} in purchases, plus {$6.00} in previous interest. Based on what the statement said, {$47.00} of my payment would be applied to the Balance Transfer balance as it has the lower APR, while the rest would be applied to the purchase balance as it has the higher APR. 

When I received my statement on XX/XX/XXXX, I was indeed charged interest on purchases I had made, in contradiction to what both the statement says and what I was told over the phone. When I called to speak with Bank of America about this, I was told that this is how they handle credit card interest when people have a promotional APR. Purchases will start accruing interest immediately, even if the full purchase amount is paid by the due date.

This means that while they may not be charging me interest on the balance transfer, they are instead now charging me interest on purchases they would not normally have charged interest on. Every credit card I've ever had charges no interest on purchases that are on the statement as long as a payment equal to those purchases is made before the statement 's due date. Bank of America apparently changes this policy when a customer takes advantage of a promotional APR they offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Unsworn declarations under penalty of perjury
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

I have hard inquiries on my report that I will like to be removed, Ive sent serval by disputes in regards to these inquiries, these inquiries are fraudulent and I want them all removed
Product: Credit reporting or other personal consumer reports

Account Names : XXXX XXXX, XXXX XXXX XXXX. 

Regarding the accounts above Experian, XXXX, and XXXX have violated my consumer rights. 
According to 18 USC 8, I do not owe any outstanding debt, and my consumer right to privacy has also been violated according to 15 USC 1681b ( 2 ). Furthermore, these consumer reporting agencies do not have permission to report anything without my written consent and by that, violate 15 USC 1681 ( 4 ). The stated consumer reporting agencies have failed to uphold the legal standard and have violated my rights as a consumer. 
I demand that Experian, XXXX, and XXXX provide proof of my written consent to report. If such documentation can not be furnished, I demand that the accounts stated above be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$49000.00} from XXXX XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I consolidated my loans due to the PSLF waiver and I repeatedly got told that if I consolidate, my loans would restart. I had over 100 and this information caused me to wait to consolidate, waste tons of time researching and call waiting on hold or messaging with no responses. I am in a limbo now with my loans and it is still showing 0 counts toward PSLF. Fed Loan is not changing any verbiage and this is freaking many out and making many more not consolidate in order to benefit from the waiver. I am also showing payments that were made and are showing that I was in forbearance but payments were made at that time.
Product: Debt collection

Transunion have fail to comply with Federal Law. 
1.The following personal information is incorrect. 

Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX 2.There Should be no late payments on this account. XXXX-Act # XXXX XXXX XXXX- Act # XXXX PAID AS AGREED IN INSURANCE CLAIM AS A TOTAL LOSS 3.Unauthorized inquiries Inquiries XXXX XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX
Product: Credit card

My spouse and I have a credit card with Bank of America. We don't use the card because the interest rate is too high and we have other credit options. Just after midnight on XX/XX/XXXX, we received a notification email from our credit monitoring service that indicated that our credit usage had increased and that it had lowered both of our credit scores. We checked the bank 's website and confirmed that someone had used {$8500.00} in credit and had racked up a cash advance/balance transfer fee of {$250.00}. We retrieved both cards from the safe and immediately reported the fraud to Bank of America. 

The representative said that the funds had been transferred into a XXXX XXXX account on XX/XX/XXXX and that the request had been made via phone. We made no such request and the last XXXX digits of the receiving bank account are not related to or owned by us. We live alone. No one else has access to our home. We have a security system to ensure that is the case. 

The representative spoke to my spouse and explained the investigation process. The bank would issue new credit cards and would perform an investigation. The charges would be removed while they looked into the matter. Our website access would cease to work for a short time and then we would have access again. The bank would send out a letter requesting a written statement in the next few days and we would need to do that within 10 days. My spouse informed the representative that we would be going out of town for 5 days beginning on XX/XX/XXXX, but that our mail would be held at the post office. We asked about filing a police report and were told that we might want to do that. We initiated that online process the next day ( XX/XX/XXXX ) and then followed up with an in-person visit from a police officer on XX/XX/XXXX. 

While we were out of town, we checked our mail remotely through the XXXX XXXX XXXX XXXX which allows you to view the envelopes included in your daily mail delivery. This also allows you to see what mail the post office is holding on your behalf. We received nothing from Bank of America until XX/XX/XXXX. That envelope contained the replacement cards. On XXXX, we received XXXX envelopes from the bank. The first was dated XX/XX/XXXX and explained that they were opening an investigation. The second was also dated XX/XX/XXXX and requested a written statement. The third was dated XX/XX/XXXX and stated that they had closed the investigation and had determined that we were responsible for the fraudulent charges and that the funds went into an account that we control or own. That is patently false. The letter also stated that we had the right to view the evidence that they obtained as part of their investigation. We have the scans and emails from the XXXX, proving that these were delivered on XXXX and that we were afforded no opportunity to provide any evidence. 

After receiving the letters on XXXX, my spouse called Bank of America to follow up and the representative reopened the case. We also filed a report with the FTC on XXXX and forwarded that report to the bank. At this point, we have little faith that the bank will perform a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is not mine I dont not have a contract with ( credit control corporation ) according to the FCRA THEY ARE VIOLATING MY CONSUMER RIGHTS 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 know or has reasonable cause to believe that the information is inaccurate.Also this is a medical bill were as of this XX/XX/2022 any medical thats under XXXX $ or less should be removed from a natural persons consumer report. To also add on this fraudulent account was removed from XXXX along with XXXX so therefore this should also be removed from this Agency do to its inaccurate information 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an injury during XXXX  and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit card or prepaid card

XXXX XXXX/Comenity Bank continues to charge {$2.00} per month interest on an account that was closed in XX/XX/XXXX. However, I was billed another {$12.00} which I paid in XX/XX/XXXX. 

I have called XXXX XXXX several times relating to this issue. One customer Service Rep hung up on me. They continue to lie interest charges on a closed account.

One Rep state I had made a RECENT purchase. I have made no purchases from them since XX/XX/XXXX.