23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Phone Number ] XX/XX/XXXX Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to dispute certain information contained in my credit report, as provided by your agency. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and fairness of the information within my credit report. 

The disputed information is as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX 
Original Debt : Entire amount Reason for Dispute : I dispute the entire debt. As per the Fair Debt Collection Practices Act ( FDCPA ), I request validation of the debt including the presentation of the original contract bearing my wet signature, which demonstrates my obligation to the purported debt.

Current Debt Holder : Midland Credit Management , Inc. ( Debt Buyer ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Debt Buyer I acknowledge that the original creditor, XXXX XXXX XXXX XXXX XXXX, charged off the account due to delinquency or other reasons. However, it is imperative that I receive validation of the debt in question, including evidence of my original agreement with XXXX XXXX, as required by the FDCPA. 

I hereby request that you investigate this matter and provide me with documentation validating the debt, including but not limited to the original contract with my signature. Additionally, I request that all inaccurate reporting pertaining to this debt be promptly removed from all credit reporting agencies in accordance with the FCRA and FDCPA.

Please provide a response within the timeframe mandated by the FCRA, and inform me of any actions taken to rectify this dispute. Failure to comply with federal regulations may result in further action being taken, including arbitration.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I began receiving emails that Bank of America had opened up online accounts in my name. I called immediately to report fraud. They froze the account but never shut it down. On XX/XX/2023, I had to contact them again since the accounts were only frozen and still not closed. I have had contacted again with them in XXXX, I was told all was handled and it was escalated. I received notice that on XX/XX/2023 now they are asking for me to provide them with verification of my identity to work the case. It has been 8 months and they have done nothing to take care of closing this fraud case. They have not provided me with any information from where it was opened, who opened it, how they identified the identity in order to open. I have had to file reports for fraud and BOA has done nothing to compensate my time or hassle while they have left this open.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent disputes to XXXX, XXXX and Experian about the following inaccurate and unverifiable accounts. I have done my research and according to the FairCredit Reporting Act, my consumer rights have been violated by these credit reporting agencies and their failure to reinvestigate the accuracy of my credit reports, as well as their failure to delete all inaccurate information. This is ridiculous! Additionally, XXXX will not review my dispute requests and continues sending these outrageous response letters saying " it didn't appear that you or a properly authorized third party sent this to us '' which is false and unacceptable. Each credit reporting agency has a proof of my ID and proof of my address to confirm my identity and support my disputes. These stalling responses are clearly a way to get out of doing their job in accordance with the credit reporting laws as there are MULTIPLE errors to be addressed. 

The following accounts are in error and in total violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It is completely unacceptable that these erroneous accounts have not been thoroughly investigated in accordance with the LAW and removed from my credit reports immediately after 5 months of sending reinvestigation requests and waiting for a status update or confirmation of deletion. 

15 U.S.C. 1681 Section 602 A ; States that credit reporting must be fair and accurate and unfair credit reporting methods undermine the public confidence 15 U.S.C. 1681 Section 604 A ; States a consumer reporting agency can not furnish an account without my written instructions or permissible purpose It has been well over 45 days since I've sent these different disputes. I have thoroughly reviewed the laws above and others that are applicable under the FCRA and demand they be followed by the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/XXXX Incorrect Information : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries XXXX XXXX XXXX Inquiry : XX/XX/XXXX DELETE IT XXXX XXXX Inquiry : XX/XX/XXXX DELETE IT XXXX XXXX : XXXX. XXXX, XXXX DELETE IT XXXX Inquiry : XXXX. XXXX, XXXX DELETE IT XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX DELETE IT XXXX XXXX Inquiry : XXXX. XXXX, XXXX DELETE IT XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX DELETE IT XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX DELETE IT XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX Remove on my report XXXXXXXX XXXX Date : XX/XX/XXXX Remove on my report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The accounts I have listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX Account number : XXXX Amount : {$690.00} Account name : XXXX Account number : XXXX Amount : {$8800.00} Account name : XXXX XXXX XXXX Account number : XXXX Amount : {$610.00} 15 U.S.C 1681 Section 602 A ; states that I have the right to privacy.

15 U.S.C 1681 Section 604 A ( 2 ) ; it also states a consumer reporting agency can not furnish an account without the written instructions of the consumer to whom it relates.

15 U.S.C 1681c Section 605 ( A ) ( 5 ) ; states no consumer reporting agency may make any consumer report containing any of the following items of information ( Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 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 ) ; states 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. 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report that have not been rectified despite my diligent efforts to address them. 

Over the past two and a half years, I have made multiple attempts to contact both my creditors and the credit bureaus to dispute and request the removal of erroneous items from my credit report. Regrettably, these efforts have been met with limited success, as the discrepancies persist on my credit report, negatively impacting my financial standing and creditworthiness. 

As a conscientious consumer, I have taken all necessary steps to adhere to the protocols outlined by the Fair Credit Reporting Act ( FCRA ) in addressing these inaccuracies. Despite providing supporting documentation and following the proper procedures for dispute resolution, the unresolved items continue to tarnish my credit profile, impeding my ability to access essential financial services and opportunities. 

I am deeply concerned about the lasting repercussions of these inaccuracies on my financial well-being and overall creditworthiness. I am reaching out to seek your intervention and assistance in facilitating a prompt and thorough investigation into this matter to ensure that my credit report accurately reflects my credit history. 

I kindly request that the Consumer Financial Protection Bureau investigate this issue and work towards a resolution that upholds the integrity of the credit reporting system and safeguards the rights of consumers like myself. Your prompt attention to this matter is greatly appreciated, and I am hopeful that through your intervention, we can achieve a fair and equitable resolution to this ongoing dispute.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$1400.00}
Product: Credit reporting or other personal consumer reports

I was putting applications through to find apartments and I was getting denied and spent a lot within rental fees, when it became difficult with these companies. I asked the credit bureau to freeze my account my credit and to update my correct information. Nothing was ever fixed.
Product: Debt collection

I found a {$3000.00} collection notice on my credit report, but it is not mine as I have never had a XXXX account. I notified Amsher on XXXX XXXX, 2016 through their website, but I did not receive a response.
Product: Mortgage

On XXXX XXXX XXXX I went online to make my mortgage payment. The amount due was {$2100.00}. The next day I looked online and saw that the payment had posted. On XX/XX/XXXX I received a check from the company for the same amount I had paid. I called the company and was told that I had made a double payment so they were sending me the money back. I asked them if they were sure and I could cash this check. I was told that I could cash the check. On XX/XX/XXXX I went back online and noticed that the payment had been reversed, showing me as not making my payment. I called them and explained what had happend and what they did and they said I would have to make the payment again. Even though this is their fault I am having to pay for it. 
I called and spoke with a team lead by the name of XXXX and was told that I just needed to continue making my payments and not worry about being behind. 
I also called and spoke with someone in financial assistance about being a month behind and could they put the payment at the end of the loan. I was told that they could not do that because I was not 4 months in arrears and that being a XXXX  this would look bad for me. I told them I was concerned about being a month behind and being charged late fees. I was told not to worry about it and to keep up with the late fees if I can. 
I went online to make my next payment at the end of XXXX and a few days later I noticed that the payment was showing as reversed. I called the company again and was told they would not apply the payment until they receive all of the money. 
Their mistake is causing me to be a month behind which I am not. I make my payments on time every month and I care about my credit. This will eventually affect my credit. 
I believe this is their mistake and I should not have to pay for their mistake. I would like to have this resolved by them bringing my account up to date. 
I am attaching copies of the payment history which shows what they have done with my payments.
Product: Checking or savings account

I opened a citi bank account mid XXXX only to use as a payment method to pay for a life insurance policy. The only transactions Ive had on that account was XXXX from a friend every month that will be later going towards my insurance policy. Years prior, my mom used XXXX XXXX for herself and i to fix our credit. Fast forward to XXXX, we both were awarded refunds due to a class action lawsuit. XX/XX/XXXX, i mobile deposited my check. On the XXXX there was a restriction on my account. On the XXXX there was a lock on my account. I did not receive any red flag or fraud alerts from Citi by email or text msg or phone call not even till this day but they have emailed me that my check was accepted prior. I called Citi multiple times giving them all the correct information they asked for. I have them the number that was on the paperwork attached to the check so they could call and verify but they tell me that the number isnt verified. So, today I call citi on one phone and I call the number that was on the paperwork attached to the check ( XXXX ), so that they could speak to each other and verify over the phone. Citi would not speak to the representative regarding my check, they Say the number isnt a verified number but i dialed that same number that they claim isnt verified and I got someone on the phone ready to verify my check. The Issuer which is XXXX XXXX Matter ( XXXX ). Citi also wants them to call them theirselves which is not able to be done. XXXX XXXX Matter has stated that they can not legally call my bank on my behalf which was my reasoning for calling citi on my phone and calling XXXX XXXX on another phone. Its been over a week and I dont have my money STILL as a bank a protector/keeper of my funds that I work hard for Im highly upset and I want nothing to do with this bank. They are also trying to close my account within 30-60 days. The fact that they can send me emails about my mobile deposit, about my check being accepted and deposited but cant send me emails when there are red flags and fraud alerts. Thats a major problem.
Product: Checking or savings account

My business accepts credit card payments. We therefore use a service to process the payments. 
We initially were using Capitalone XXXX Services. 
We cancelled this service in XX/XX/year>. 
We were billed in XX/XX/year> for outstanding items. We accepted this. 
We were than billed in XX/XX/year> for an Annual Fee in the amount of {$190.00}.

I called the Company to ask why we were still being charged, we were told that because we used their service during the year we had to pay this additional fee. 
This fee was not authorized. It was just taken without any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  US Bankruptcy XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written insrtuctions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided by your bureau, and to express my concern over what I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS CREDIT BUREAU CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS CREDIT BUREAU IS NOT HONORING MY RIGHTS AS A CONSUMER.
Product: Debt collection

XX/XX/XXXX Attention : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX bank, and XXXX card. My name is XXXX XXXX I was born XX/XX/XXXX. There are several accounts on my credit report that I did not open. These accounts were open prior to me reaching the age of XXXX old. Each time they are disputed on my credit report, or I call your agencies you refuse to remove them. I did not open these accounts, nor did I charge the products on these accounts. I was underage at the time. I am also handicap with an intellectual XXXX and communication disorder. I read at a XXXX grade level often needing assistance from others to complete paperwork. Please remove those accounts from my credit report immediately. I did not open these accounts nor charged any products on these accounts. These accounts remain on my credit report as bad debts or closed accounts and should be removed in their entirety. 
Accounts XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I am XXXX XXXX XXXX and XXXX am writing to bring to your attention XXXX errors in XXXX XXXX credit reporting that have resulted in my absence from credit reporting and the removal of my credit history despite making timely payments as an authorized user on Card Number/Account Name ending XXXX and XXXX XXXX. As of Date Febraury XXXX, XXXX. It has been over 30 days since I requested reinstatement, and my credit reporting and credit history remain unchanged. I am providing the following supporting documentation to substantiate my request. I have attached proof of letter, its XXXX pieces of the letter, that letter from my primary account holder confirming my authorized user status : Proof of address and my government issued ID. 

I as authorized user respectfully request that you take immediate action to reinstate my credit reporting and credit history effective XXXX originally when I started as authorized user from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Please ensure that all future payments are accurately reflected on my credit report from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Its a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also attach a copy of that. If there are any additional steps required from me, please let me know and provide a clear timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account has been placed on my credit report that does not belong to me. I have submitted the following information to Transunion : Affidavit of forgery ID Theft Police Report State ID FTC Identity theft Report Section 605B A letter requesting this fraud be taken off of my report The account is a collection account that originated with an entity called XXXX XXXX, and is now on my report in collections with XXXX XXXX XXXX. 

My credit is frozen and fraud alert added.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX representing Citibank, N.A is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.
Product: Mortgage

XXXX XXXX XXXX over billed, then issued refund deposited to escrow. 
Since this event, which occurred in XX/XX/2024, the bank 's escrow account has been incorrectly projected and the monthly mortgage payment has been increased. Numerous requests to explain the increase have yielded no resolution. 
The escalation in the escrow dept. has not resulted in returned phone calls or explanations. My local branch XXXX also is not able to explain the monthly mortgage increase. XXXX months of back and forth with the bank has not led to the resolution. 
I asked to delete my escrow but I am told this likely not possible. 
I have not missed any payments, I have excellent credit. I have multiple checking accounts with Key Bank, and on the phon I'm often thanked for being a valued customer, but am not able to resolve a basic math problem with Key Bank. 
Please let me know what I can do to resolve this. 
Thank You. 
XXXX
Product: Debt collection

XX/XX/year>, I, XXXX XXXX, called Citi bank to make a payment on my credit card. They told me they sold my information to a collection agency and that they could no longer help me with my payments. I told them legally, I do not need to go through a collection agency I knew nothing about. They refused to take payment and when I asked for the information about the debt and the collection agency, they refused to give it to me.