23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX XXXX  Balance : {$6300.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXXXXXX Balance XXXX {$6300.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX PL XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00}.
Product: Credit card

I had 2 credit card accounts with Ally Bank. I closed 1 of the accounts. I made an overpayment on the closed account balance. I contacted the company several times via phone to resolve the issue. They will not transfer my overpayment of my credit balance of {$18.00} from my closed credit card account to my open and active credit card account. I have been told they are sending me a paper check for the credit amount that I over paid. They have told me this for a few months now and I never receive a check for the credit on my account. I'm tired of this so am filing my complaint with you. I do not like being lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax didnt preform a reasonable investigation as required by the Fair Credit Reporting Act on XXXX XXXX XXXX account XXXX. Equifax didnt provide me with the proof documentation I requested proving that I was late on XXXX. 

Equifax have violated the Fair Credit Reporting Act requirements by not reporting the notice of dispute with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}, {$240.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 


-- AUTO LOAN OR LEASE 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I am a photographer. I took family photos for someone. They sent a Zelle it went to a fraud account. I was in contact with my bank, the bank it was sent to and the fraud team. The other person also was in contact with their bank. We were told they couldnt do anything about it and neither of us got our money out of it. Payment was for {$180.00} in XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are  required to comply. My name is XXXX XXXX XXXX. My current employer is XXXX XXXX, XXXX XXXX XXXX. I am a victim of ID theft, I was going over my credit report and discover that someone has been using my personal id to open up accounts for credit and business. The following addresses are not mine please delete remove them from my file : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is in non-compliance and illegally reporting Inaccurate false information About me the following alleged account is listed as collection XXXX XXXX XXXX in the amount of {$530.00} And is updated With past due balances and an open account As of XX/XX/2023 This is a direct violation of the FCRA and is also in violation of requisites Metro2 Compliant Reporting Standards By the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance in implemented With the CRSA enacted DCIA Metro 2 compliance regulations I have a right to a fair and accurate credit report and they are required to remove any information that is not true accurate, compliant and verifiable Please investigate thank you
Product: Checking or savings account

I initiated an ELECTRONIC transfer : XX/XX/XXXX ONLINE TRANSFER TO PNC BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX From XXXX XXXX XXXX PNC on XX/XX/XXXX The funds " cleared '' my account on XX/XX/XXXX according to XXXX XXXX PNC did not CREDIT the funds to my account until XX/XX/XXXX causing a returned payment to XXXX XXXX and XXXX {$40.00} fee. 

PNC processed the DEBITS before the CREDIT causing me, the consumer undue harm and fees. 

I tried to get help from PNC and it took over an hour of my time without any results. 

I requested accurate clearing house information regarding my deposit made on XX/XX/XXXX. PNC would not provide that information.
Product: Debt collection

i have been disputing this debt for a year now and sent a letter in to all bureaus in XX/XX/year> requesting that i be sent the original agreement with my signature on it, all they did was update it as accurate but never sent me the proof and in the letter i stated if they can not provide me the proof to delete the collection but it is still there and they are still denying my disputes because company is saying its accurate but never provided proof MIDLAND CREDIT MANAGEMENT XXXX $
Product: Credit reporting or other personal consumer reports

My personal data was exposed by the Equifax data breach of 2017. Equifax admitted that I was a victim of this breach. That my personal data was impacted. 
Due to this breach, there were accounts opened in my name and said accounts went into charge off status. 
I am currently paying off these charge offs action against. 
The court did not want to hear " these are not my accounts '' Because of the equifax breach, I am left holding the bag so to speak.
Product: Credit reporting or other personal consumer reports

You Are In Violation!! 

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: Checking or savings account

On XXXX XXXX XXXXsomeone stole two amounts from my account. XXXX and XXXX which was taken from my account by transfer to pay anyone name was XXXX XXXX. I do not know this person. I filed a police report and sent them a copy. On XX/XX/2024 at XXXX they adjusted XXXX and again at XXXX XXXX. So at this point my account is XXXX then at XXXX the deposited XXXX then XXXX. So basically I was back to the XXXX. Then I call them and explain their mistake. They say they can see the problem and have been giving me the run around ever since after 10 hours on the phone and me being placed on hold and the call drops like over twenty times I have reached out to you. Just called today and they say wait three more business day yet again. Today is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports through XXXX XXXX and XXXX. I have two credit cards with USAA and on all my credit reports, it shows that one of my credit cards has been closed. USAA said everything is normal and their no restrictions on the accounts and dont know why they would show closed on my reports. My credit reports are being tampered with and Im in the middle of home buying. I need help. Closing accounts can show as negative on credit reports and I need to know why this happened. Its not fair.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are incorrect in terms of reporting, with inaccurate amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reporting these account that doesnt belong to me but its on all my 3 credit burea. I only have XXXX  XXXX limit at {$500.00}, XXXX XXXX ( Closed ), and XXXX XXXX at {$6200.00} everything else is incorrect. 
XX/XX/2022 XXXX {$9400.00} XX/XX/2022 XXXX XXXX  {$120.00} XX/XX/2022 XXXX XXXX XXXX {$470.00} XX/XX/2022 XXXX {$1000.00} XX/XX/2022 XXXX {$150.00} XX/XX/2022 XXXX XXXX {$320.00} XX/XX/2022 XXXX XXXX XXXX {$520.00} XX/XX/2022 XXXX XXXX {$400.00} XX/XX/2022 XXXX XXXX {$1000.00}
Product: Debt collection

I received a bill for this medical debt 2 days after it was reported to the credit bureaus. I knew nothing about this I have insurance and was unaware of an outstanding balance. I cant pay a bill I dont know I have
Product: Credit reporting or other personal consumer reports

I contacted XXXX to dispute the inaccuracy and errors of 2 Bankruptcies present on my credit reports. I first contacted the local Bankruptcy court to understand how 2 bankruptcies were reported on public record when I did not complete a bankruptcy. There are 2 bankruptcy months apart which is not feasible in bankruptcy court laws which is a direct indication of error and inaccuracy and clear violation of 15 USC 1681. I was informed by the court that they did not report any information to the credit bureaus. On XX/XX/2024 XXXX XXXX conducted its investigation and determined that the bankruptcy filings report data as unverifiable and is in violation of the FCRA and was removed and their files updated. So I am confused as to how XXXX, XXXX and Transunion was allowed without permission from the court or anymore to report this erroneous and inaccurate information. I have disputed the violation with all 3 credit reporting companies with no avail. I contacted XXXX XXXX and they have disputed this information along with a erroneous collection in violation fo 15 USC 1692, but have not received a response from them. The XXXX, Transunion and XXXX are in clear violation the FCRA which allows me to sue in State and Federal Court. If these items are not removed immediately, I will be forced to seek legal redress with the bankruptcy for reporting inaccurate and erroneous information but again they said they do not have a completed bankruptcy on file for me. I need these bankruptcies and collection removed immediately.
Product: Checking or savings account

I return back from vacation on XX/XX/2019. I noticed there was several transactions my debit card that was unknown to me. It totaled almost {$500.00}. I called SunTrust and made a claim. The representative asked me was there any other unknown transactions. I looked back over four months and I said I did not recognize the XXXX withdrawals that was done in XX/XX/2019. 

The representative took my information and said it would take about a week to get the results. I called SunTrust and they told me the fraud was ruled in my favor but because the transactions were 60 days old by regulation they could not honor it. 
I Told them the XXXX was the only transaction that was done in XXXX. The other {$500.00} worth was done 2 to 3 weeks ago. 
They told me it didnt matter because their fraud started in XXXX. I feel that this is blatant dishonesty on the part of SunTrust and they are using a loophole to avoid giving me back my money. 

I can understand them refusing to honor the XXXX charge but the other charges were separate charges that were done in the past month.. I just need this Bureau to know the dishonest tactics that SunTrust is doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to IC System on XX/XX/XXXX via certified mail regarding account starting with XXXX, to which they responded that they were not able to locate/verify the account. I sent a letter to XXXX asking them to delete this account from my credit report because it can not be validated and thus being falsely reported. In addition to the failure to validate the debt, IC systems is now reporting that the date of last active is XX/XX/XXXX which is considered re-aging and is illegal. This is not my account and it should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. 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 mare 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 persom knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On the XX/XX/2020 I was sent a letter by cavalry stating they purchase the debt from the original creditor and I had 30 days to dispute the validity of the debt. I responded back with 2 validation letters in accordance to the letters that was sent on XX/XX/2020 and XX/XX/2020 from their company. I ask them to provide the original contract, amounts that they say is owed, transactions, signatures, and license to legally allow them to collect in my state. None of those items I requested were provided. In addition to that, they stated that the dispute that was sent was lacking specific information and they couldn't conduct a investigation. This was very confusing because I specifically ask for them to provide the original contract, amounts that they say is owed, transactions, signatures, and license to legally allow them to collect in my state. The final straw was when they said they will respond in writing in 150 days from the letter that was sent. Not only have they violated my rights as a consumer but also the rights under FDCP ACT. They have affected my ability to purchase an home due to their inaccurate and false reporting which has resulted in my credit score being negatively impacted.
Product: Credit card or prepaid card

In XXXX 2017, I accepted an offer from American Express and received a Gold Delta SkyMiles Credit Card. The offer stated that I would receive XXXX bonus miles after I spent {$1000.00} within the first 3 months, a {$50.00} statement credit after I made a Delta purchase within the first 3 months, and other incentives such as miles per dollars spent, free baggage checking and priority seating. I made the required purchases within the first 2 months. Although I have received the " other '' incentives, I have not yet received the bonus miles or the {$50.00} credit. 
I have called American Express several times this past year and as told by the agents that I should have received the miles and credit, and they would investigate. I have not received any feedback from the company concerning this issue and am resorting to contacting this agency for help.
Product: Checking or savings account

I just hand XXXX on hand and went to buy emergency medical supplies wound dressing and found out this morning that my account balance was low. Turns out that I was double charged paying my XXXX XXXX XXXX. Bank of America has upset me, left me on hold and will not resolve this and credit me. I can not dispute this type of transaction myself. I have been a loyal customer to XXXX and Bank of America over 40 years. 
I pay online all the time and this has not ever happened with XXXX XXXX. 

There is a pattern and practice of Bank Of America tormenting customers over disputed transactions. 

I am currently still on hold waiting for a XXXX at Bank of America. No one will help me. 
The schemes by B of A are intentional.
Product: Credit reporting or other personal consumer reports

Experian has failed to investigate properly of a credit card company that keeps reporting on my report over seven years old. I have disputed this account and nothing has been resolved. And now it has reported on my credit report as a new account and that is false. The company is open sky credit card company.
Product: Debt collection

Hello! 

XXXX XXXX has been trying to collect a debt from me fraudulently for almost 18 months now. 

XXXX XXXX XXXX  In 2020 I was issued a XXXX machine for medical treatment on an insurance payment plan that required compliance with the treatment in order for insurance to continue to pay. I agreed to this plan. I remained compliant for the ENTIRE payment period and treatment plan however they claim I have not remained compliant because their system has no records for my XXXX  machine ( which I believe wirelessly uploads data cellularly ). As a result they have been trying to charge me {$210.00} since XX/XX/2020. 

The specific amounts owed are : {$100.00} for non-compliance in XXXX of 2020 {$100.00} for non-compliance in XXXX of 2020 I have attached proof of my compliance AND my communications with the previous debt collector. 

I have called XXXX a half dozen times about these invalid charges, and 2 different times faxed them proof of my treatment compliance from my local XXXX store. They continue to claim they've never received proof of compliance and thus continue to attempt to collect. 

Eventually I was sent to collections and I sent them also proof of my compliance ( also attached ). This debt collector stopped contacted me and I assumed it was fixed. Today I received a new debt collection request from a new debt collector, so the issue isn't stopping. The new debt collector is ARStrat ( XXXX ). 

I would like your help stopping their fraudulent claims please! I do not owe them any money and would appreciate your help proving this fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not associated the address in file that attached to my credit report and my name is incorrectly spelled.
Product: Debt collection

Date:XX/XX/2018 Amount : {$100.00} Debt Collector : Transworld System Inc Creditor : XXXX XXXX XXXX XXXX They mailed a letter saying that I missed a toll or so they said because they had my address incorrect in there system. I never received the mail. They then send another notice which I received and called them. They admitted they had the wrong address in the system. They however did not take off the {$100.00} penalty. These actions are unlawful and demeaning. I called several times and everyone I spoke to is so rude and does not want to help me out even tho I have an XXXX XXXX in good standing and never had an account issue. Please help me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the Transmission in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.