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

Bank of America is holding an account in my name that does not belong to me holding me liable to pay. This is not my account, I have called the business directly several time and the credit bureaus. I am a victim of identity theft and I have been involved in over 5 security breaches over the last 6 to 7 years. I really wanted an opportunity to do business with this company and can not because the opportunity was taken from me before I had the chance. I have begged and pleaded to get this false reporting removed and it have not been resolved yet. This is not good practice for business and this is stripping me away from my rights. It is also against the law. I explained to them this person had numerous of things in my name, bank accounts, secured and unsecured cards, jobs and unemployment in my name and the representative from Bank of America quoted unfortunately its easier for someone to use your information then you to get the false reporting off. That should not be citizens hard truth. I want this account immediately removed. The account is {$330.00}. It is not a lot of money and again I am not paying for something I did not do. I am in route to be getting a credit lawyer involved if this cant be resolved. I have given them my current address for a fraud packet and I have received nothing. Please remove this off of my account.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credit report that I did not authorize. I did not authorize XXXX, COAF, XXXX, nor XXXX XXXX to run my credit. XXXX and COAF inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX and XXXX XXXX inquired several different times, some back to back ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXXXXXX XXXX XXXX per my credit report.
Product: Debt collection

I called XXXX.C. System, INC at ( XXXX ) XXXX and spoke to 2 separate representatives that could not verify my information in their system by name or social security. They refused to notify XXXX of this issue, not only are they reporting XXXX accounts to XXXX only but they are reporting the account as past due in collections. This is a third party collections agency and not the original debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts on my credit report and I've disputed them several times with XXXX and Transunion and they are still stating these are mine. The information being reported is fraudulent and inaccurate including dates, amounts and activity status. I lost my identity documents on or about XX/XX/XXXX including my drivers license and social security card. This is an unknown account. Someone tried to attend school in my name. It looks like XXXX have been PAID IN FULL on my report but they are still reporting as charge offs. I've been a victim of identity theft and even had my taxes garnished for over {$9000.00} because of this I now keep several precautions in place to keep this from ever happening again but I need this deleted. This is messing up my credit and I am a single mother of XXXX who has struggled through the XXXX pandemic to try to become and homeowner and this is holding me back. I have good credit, please delete these 5 fraudulent zero balance accounts immediately. Thank you. 

Account Opened Amount XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Please help! I entered into a real estate contract to buy my first house. My lender and I were ready to initial the loan application but she was having issues pulling my credit report from Equifax. I was affected by the Equifax breach, so I was offered their " XXXX XXXX XXXX '' service, which seems to be what is is causing the issue. When I log in into my account I get a " credit lock status error '' ( image attached ). I called Equifax to explain the urgency of the situation and they said it will take up to 7 days to fix. I've been calling Equifax everyday for the past 10 days now and they keep saying " we have submitted a ticket, someone will look into the problem. '' At this point, I am very frustrated, I have a deadline to meet on my real estate contract, I will potentially lose the house if this issue does not get fixed as soon as possible. I've already spent a lot of money on the house inspection, lawyer, and the like. Please help me get a response from them as soon as possible! Thanks in advance for your help! Please let me know if you need any other information from me.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 


Items that need to be disputed : XXXX For FTC Letter XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  For FTC Letter XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed XXXX  For FTC Letter XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late/closed
Product: Debt collection

Late one night about six years ago, we rushed our XXXX cat to XXXX XXXX XXXX XXXX in XXXX, NJ, because he was hemorrhaging from his mouth. When we arrived at the reception desk, they demanded a large sum of money up front in order to treat the cat. We didn't have that much on us nor in our checking account, so they shoved a XXXX application under our noses, which we signed under duress. 

XXXX, also known as XXXX XXXX, is a known predatory lender that colludes with veterinary and medical practices to coerce consumers into taking out credit before treatment is rendered. XXXX  has been investigated by the New York State Attorney General and in XXXX was successfully sued by your agency, the CFPB, and forced to refund XXXX XXXX dollars to consumers who had been victimized by the same heavy-handed practices that my wife and I were subjected to several years ago. 

They ran it and got approval for an amount around {$3000.00}. At that point a young veterinarian brought the cat into an exam room and looked at him. He found that the cat had a XXXX XXXX   XXXX but insisted he could " catch it '' by putting the cat under general XXXX and removing part of his XXXX. He brushed aside our concerns about performing that operation on such an elderly cat. 

Bottom line, the vet performed the XXXX, our cat stroked out on the table, and we got a {$3000.00} bill for our trouble. I tried to contact the administrators of XXXX XXXX but they ignored my calls. I contacted lawyers to sue for damages but they refused because the market value of an XXXX tabby is about {$3.00}. 

Nevertheless, we attempted to pay off the debt. Around XXXX I was having difficulty making the payments and called XXXX to ask if they would work with me. The phone rep said absolutely. Then the next thing I knew, our account had been sold to Midland Funding, LLC a litigious collections firm. When I wrote to them detailing what happened, they just wrote back saying I owed the debt. 

Now they are taking us to court in XXXX County, NJ. I have called numerous consumer lawyers and none will take my case because they can't make enough money off it, or they demand retainers totaling more than the debt is worth, or they attempt to persuade us to file bankruptcy when we neither need or want to do. We have contacted legal aid but they denied us help because we aren't " XXXX XXXX'. 

This is a serious legal donut hole that leaves many consumers vulnerable to predatory lenders and collection agencies who know they can win in court because their victims can not afford proper legal representation. 

We have a court date set for XXXX and are being harassed by an aggressive lawyer who is pressuring us to fill out interrogatories or have a summary judgment against us. Since we aren't legally trained, this puts us at a disadvantage.
Product: Credit reporting or other personal consumer reports

I've written to you informing you that certain information on my credit report is inaccurate, and I'm starting to get XXXX XXXX. I require access to the documentation used for each of the items on the previous dispute. 

The following accounts need to be updated or removed from my credit report because they are falsely being reported and some of them were unverified. They should also be removed from my credit report since they are reporting misleading information. 

XXXX XXXX : Account number : XXXX, Im confused about the account number and account name in this account. Clarify this information for me or else remove this account immediately from my credit history report. 

XXXX : Account number : XXXX, I need to see all paperwork and contracts with my signature that would verify ownership. If you do not have this paperwork, you need to remove the account immediately. 

I know under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information XXXX the consumer reporting agency shalli ) promptly delete the disputed information from the consumer 's file, or modify it as necessary based on the findings of the reinvestigation ; and ii ) promptly notify the furnisher of the disputed information that the information has been modified or deleted from the consumer 's file. This process applies to any reinvestigation under paragraph ( XXXX ) of disputed information in the event that an item of the information is found to be inaccurate, incomplete, or can not be verified. You have fifteen days to erase the accounts and/or information specified below, if you can't send me a copy of verified proof following your investigation. 



Send me a copy of my credit report reflecting these changes Ive requested.
Product: Student loan

NELNET is in violation of USC 1681b Permissible Purpose and 18 USC 1028 A. In accordance with FCRA Laws. I have not given written permission for Nelnet to report any information on my consumer reports. Permissible Purpose can not be assigned it must be given. I have requested documentation that states I, XXXX XXXX, have agreed to have Nelnet handle my account or where it is a contractual obligation where I gave Nelnet written permission to report any information on my consumer reports. I want to clarify that I have not given Nelnet permission to access or report any information on my consumer reports. As such, I am requesting documentation that explicitly shows where I gave Nelnet permission to do so.
Product: Checking or savings account

USAA bank is discriminating against me as a XXXX woman. I have been a customer over 20 years and today they put me in a bind to protect their assests. I closed on my home on XX/XX/XXXX and I received funds in the form of 2 checks. I received and deposited the check from the title company for {$2600.00} approximately and another check from my real estate attorney on in the amount of {$6900.00}. When I deposited the check from my attorney {$2500.00} was made available to me and and {$4400.00} would be available on XX/XX/XXXX. Today when I went to pay my movers {$1400.00} my card declined. I logged in to see my account overdraft for over {$5000.00}! They lied and said the check was returned. I immediately called my attorney who then sent me a screenshot of the check clearing her bank and the funds in her account. I immediately called USAA back and relayed this information only to find out that someone manually went in and took back all the money and fixed my account to where I was still negative {$600.00}! They said they tried to verify the check but the office was closedduh its XXXX on a Saturday! Im moving from XXXX  to XXXX and have to borrow money for gas because they did this to me. They are a bank! What bank doesnt know what an e-check is?! Especially since Ive cashed them before. They are just doing this to me because I am a XXXX woman. If I was XXXX they wouldve done this! I work for the XXXX XXXX I aint defrauding anyone! Especially a bank! They had no right to do this. They overdrew my account and didnt even give me any notice nor a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account showing on my credit file that indicates it's in dispute. I have requested several times for that verbiage to be removed. I AM NOT DISPUTING THE ACCOUNT. I called XXXX  personally and they said it's not listed in dispute but when my lender spoke with the business side they said it was. I do not know which bureau is reporting this because the lender pulled a tri-merge but I need it removed ASAP. I am unable to refinance my house due to this error and if this is not resolved ASAP I will go to the States Attorney 's office to get this resolved. I am loosing so much money and this is putting a major hardship on my family
Product: Debt collection

I received a letter in the mail about Commonwealth trying to collect a debt in the amount of {$920.00} back in XX/XX/XXXX. After I received the letter I responded in telling the agency that I didnt recall using medical services and if they could verify then I would pay the alleged debt. ( Some kind of contracts, signatures ) Commonwealth responded back XX/XX/XXXX with itemized statement, which I didnt think was appropriate. I then contacted the credit bureaus ( XXXX, XXXX, XXXX  to notify of dispute. In XX/XX/XXXX I received a letter from XXXX  stating the debt was updated. I then responded with a letter to determine method of verification from XXXX  & also Commonwealth. XX/XX/XXXX XXXX sent me a letter and Commonwealth had been deleted from my credit report. Commonwealth is now as of XX/XX/XXXX trying to collect on this debt and has not verified this debt with me or the bureaus. I am also suppose to be notified of information that was once deleted off of my credit file. Commonwealth has also changed information with collection I will also send documentation to support my claim. In my new credit report they are not reporting the same nor correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whatever I got the report of background check all sentences are absolutely wrong it is not related with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX merged with XXXX XXXX XXXX & on my Transunion credit report it shows my car loan, Visa, & HELOC as double debt ( under both XXXX XXXX and XXXX XXXX XXXX ). I submitted a dispute with Transunion, they investigated and came back and said my bank stated the info was correct. However, I called XXXX XXXX XXXX and they informed me this is a known problem and that this error is on Transunion 's side and that Transunion is aware of the double accounts, not just for me, but for many of XXXX XXXX XXXX 's members. This had caused my credit score to drop because it appears as if my debt to income ratio is higher than what it actually is due to these 3 accounts showing twice on my report. Transunion is saying my bank says everything is correct and XXXX XXXX XXXX is saying the problem is on Transunion 's side. In the meantime, the consumers are being affected.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the hard inquiries listed on my Equifax credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX XXXX XXXX XXXX XXXXquiry date XX/XX/year> XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the dates specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting a Chapter XXXX Bankruptcy on my report, I request an investigation because I had not filed for Bankruptcy. Equifax answered back that it was verified, by a 3rd party vendor XXXX. I reached out to them to find they report whats in public records and it is the responsibility of Equifax to match the information to the Social Security number see letter attached. Whats worse is Bankruptcy are not recorded in XXXX XXXX County Public Records. XXXX did the same thing allthough they never gave me as requested the name address and phone number of the parties reporting the Chapter XXXX to them. In my last correspondence with Equifax and XXXX i sent them a copy of a Bankruptcy search for records form that showed i had not filed Bankruptcy see attached. They just ignored the Bankruptcy Clerks findings and continued to report the Chapter XXXX
Product: Credit reporting or other personal consumer reports

My home was in foreclosure. I repeatedly tried to get the correct payoff from them. They never once would break down the correct amount. When the house was finally in Sheriff sale they had the right amount magically. It was XXXX less thess than they kept telling me on the phone. I was then able to just cash them out nd get the house out of foreclosure. With that being said they have promised on many occasions to report my loan as no payments late. I was late but only because they refused to work with me after XXXX
Product: Checking or savings account

I notified XXXX XXXX XXXX : regular tod that my Father has passed away so I contacted them to close the account and send me the check since I am the sole beneficiary to this account, I was told by XXXX XXXX XXXX that I would have to send them the death certificate a long with notarized statement claiming that I am his Daughter and that I am the sole beneficiary to this account, so I did and I also requested that once the death certificate was scanned to return it to me, that was on XX/XX/XXXX so when I called again to check on the returning of the certificate on XX/XX/2018 they told me they sent it back so when I asked what address did they send it to it  was an address that I am not familiar with, so I stated I wanted to speak to a supervisor and I wanted to know how is it possible with all of the hurdles that they having me to jump thru to close this account, that a Major Bank can send my Fathers and my personal confidential information to someone that is not associated with me at all. They have violated not only my privacy as well as my Father so explain to me how you plan on correct this violation of privacy act, and I want to be compensated for any occurrences that have happen and in the future, with the threats and hacking my private information has been sent to a stranger and who's to say what could happen because of it, I also want to be reimbursed for the lost certificate I have to pay XXXX for each one I have to order.
Product: Vehicle loan or lease

I entered into a consumer credit transaction iwth American Credit Acceptance on XX/XX/XXXX. They reposessed and sold the vehicle in XX/XX/XXXX. They continued to list the tradeline with CRAs even though they collected payment for the vehicle when they sold it. I sent a cease and desist on XXXX that they never validated. American Credit Acceptance removed the tradeline on or about XX/XX/XXXX from the CRAs. I mailed an invoice for all civil liabilities. I demand payment in the amount of {$48000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 61XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Money transfer, virtual currency, or money service

I bought XXXX $ worth of BTC. I have reciept from my bank and Coinbase. The coin doesn't show up in my portfolio. This is not the first time this has happened.
Product: Debt collection

Call from XXXX XXXX XXXX XXXX XXXX XXXX seeking XXXX XXXX. XXXX purchased bad debt or bad contact information from Northland Group. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.
Product: Debt collection

I do not owe a debt of {$30.00} to XXXX. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the other hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX