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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/2018 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) :XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner 15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

Equifax XXXX XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 12 Months Scheduled Payment High Balance Loan Type Other Responsibility XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX Comments Charged off account, Fixed rate Closed Date XX/XX/XXXX XX/XX/XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 12 Months Scheduled Payment High Balance {$120.00} Loan Type Other Responsibility Individual Company Name XXXX XXXX XXXX Account Number XXXX  Comments Paid by collateral Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Charge Account Responsibility Individual Company Name XXXX XXXX XXXX Account Number XXXX  Comments Charged off account Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Credit Card Responsibility Individual Company Name XXXX XXXX XXXX  XXXX Account Number XXXX Comments Charged off account, Account closed by XXXX XXXX Details Equifax XXXX XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Credit Card Responsibility Individual Company Name XXXX XXXX XXXX  Account Number XXXX  Comments Charged off account
Product: Credit reporting or other personal consumer reports

Subject : URGENT DISPUTE DEMAND DELETION OF INACCURATE CREDIT LINE ACCOUNTS ( XXXX / XXXX ) ** Violations : FCRA 607 ( b ), 611 ( c ), XXXX XXXX XXXX XXXX To Whom It May Concern : I demand the immediate deletion of the inaccurate credit line accounts ( TransUnion : XXXX ; XXXX : XXXX XXXX from my credit files. These accounts contain provable inaccuracies violating federal and Texas law. Failure to comply will result in legal action and regulatory escalation. 

Critical Errors & Violations Future-Dated Reporting : Last Reported Date : XX/XX/XXXX ( TransUnion/Experian ) and XX/XX/XXXX ( XXXX ) future dates XXXX of today. 

Payment History : Shows activity for XX/XX/XXXX, which has not yet occurred ( e.g., TransUnion : " OK '' in XX/XX/XXXX ; XXXX : " OK '' in XX/XX/XXXX ). 

Inconsistent Reporting : High Credit : XXXX ( T r a n s U n i o n / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion/XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

Date Last Active : XX/XX/XXXX ( TransUnion ) vs. XX/XX/XXXX ( XXXX ). 

Illogical Account Status : Listed as Open with a {$0.00} balance and no recent activity ( last payment : XX/XX/XXXX ). 

FCRA 611 ( c ) Violation : If these accounts were previously deleted and reinserted, you failed to notify me in writing within 5 days. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : Misrepresenting account details ( e.g., future dates, inconsistent terms ). 

Legal Demands Permanently delete both accounts within 5 business days.

Send written confirmation of deletion and revised credit reports.

Cease all unlawful reporting of these accounts.

Failure to Comply Will Result In : CFPB Complaint : Citing violations of FCRA 607 ( b ) and the CFPBs XXXX Consent Order. 

XXXX  Attorney General Complaint : Under XXXX XXXXXXXX ( statutory damages up to {$20000.00} ). 

Lawsuit : For willful FCRA violations ( up to {$3500.00} + attorney fees ).
Product: Credit card or prepaid card

We have received a message from Fidelity credit card that there were activities on our credit card that appeared to be fraudulent. The case # was indicated as XXXX. We were asked to call tel. no. XXXX to confirm or deny those transactions. We called the number but cold not understand the identity of the charging companies. We attempted to go on line to our account and check for those transactions. We could not get to the account receiving a message that there is a " technical difficulty '' to access our account and gave the number of technical support. We called technical support but they refused to unblock the account. So, we could not neither confirm nor deny the transactions.
Product: Money transfer, virtual currency, or money service

Pay Pal and XXXX today XX/XX/XXXX If you sell through XXXX you must use Pal Pal. The Item shipped out XX/XX/XXXX and was delivered XX/XX/XXXX XXXX say the releases payment within 24 hours of delivery. Today is 48 hours from delivery and I still have no funds. Upon calling XXXX they will release in 24 hours. They will ONLY release to Pay Pal who for no reason will only transfer to their own debit card through a clearing house which takes 72 hours. Pay Pal put a hold on the miney as soon as they received the purchase money so they have had use of the funds 11,12,13,14,15,16,17,18,19,20 and then 72 hours longer 21,22,23 So for 13 days they have been earning interest on my money and a billion other XXXX dollars. They will not release any of my funds but if XXXX says we have a bill for {$47.00}. They take my money from a sale through offer up and without delay pay XXXX. Without notice to me. It is ok to pay money I owed. But there is no delay to XXXX. But they have to hold for security my money for 72 hours. They have had cash for 10 days, the buyer has delivery, whos security? Not mine. Not the buyer. Not Pay Pal. It is so they can make another 3 days interest on their investments and billions of other dollars belonging to suckers who use Pay Pal or XXXX. They held my money last week because they have to verify who I am. Even though I opened the account in XXXX. They had to wait until they had money to hold to verify that way they can earn money holding onto my money. Nothing disclosed. They said it is in their user agreement. Every bank or mortgage company or even a pawn shop has tougher full disclosure rules than Pay Pal. I want everyone to stop being ripped off. Money on hold just means we use other peoples money to make money. It should be outlawed!
Product: Credit reporting

On XXXX XXXX, 2016 XXXX XXXX ran a hard inquiry of my credit report. I was notified by a service regarding this hard inquiry. I contacted them and was told a XXXX inch television had been ordered in my name and was to be delivered to my front porch. I did not order this and was able to get XXXX to return it to this company. 
My concern is that this company is a predator. They are granting easy credit for their overpriced mail order items based on a persons a name and address to people who can not afford these overpriced items. Scam and fraud comes into play because anybody can order merchandise with fake names and addresses. The items are delivered to front porches of homes and picked up by thieves who placed the order. In the meantime, the unsuspecting consumer has their credit checked and receives the bill for these items.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX EQUIFAX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX EQUIFAX
Product: Credit reporting or other personal consumer reports

These Hard Inquiries Don't belong to me, hasn't being authorized being authorized by me and has to be removed. also this as well. Thanks hardinquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I open a HELOC acct # XXXX with I XXXX XXXX XXXX XXXX on XX/XX/year> and they have it reporting wrong on my Experian Credit Report under revolving taking away from my ultilization Per law the HELOC is secured by your home and XXXX is designed to exclude the HELOC from credit Ultilization and it needs to report under Real Estate Please Fix. I SPOKE WITH XXXX XXXX XXXX XXXX AND THEY SAID EXPERIAN IS REPORTING IT WRONG INCLUDING IT IN MY ULTILIZATION PLEASE FIX.
Product: Bank account or service

I opened a Citigold checking account with Citi Bank using a promotional code for XXXX XXXX XXXX miles. I then opened the account and completed the requirements for the promotion. Citi confirmed multiple times in writing that I was eligible for the promotion, that I had met the requirements and would receive the XXXX miles by XXXX/XXXX/16. After not receiving the miles by the specified date I contacted Citi and was told that I fact was never eligible for the promotion.
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 {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. AR  CHILD SUPPORT ENF XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$170000.00} XXXX  XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$390.00} AR CHILD SUPPORT ENF XXXX {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act Experian, XXXX, XXXX XXXX has violated my rights. by reporting, XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged. 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 a right to privacy. 

15 U.S.C1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a accountant with out my written instructions
Product: Debt collection

-XXXX XXXX XXXX Private Student Loan obtained XX/XX/XXXX, $ XXXX Me with Parents as Cosign -Sold to XXXX then Sold to XXXX XXXX XXXX -Payments made faithfully -Cosigner File Bankruptcy I think XX/XX/XXXX -Payments were ongoing -XXXX XXXX XXXX Suspended payments on their own initiative because of Cosigner in Bankruptcy -Somehow Loan Declared as Defaulted with Date of First Delinquency XX/XX/XXXX -XXXX XXXX XXXX Remained unreachable, Loan Disappeared -Attempts to Find the Loan with XXXX XXXX and XXXX were unfruitful as no one knew how to contact the XXXX or what happened to the Loan XXXX XXXX Cosigners Bankruptcy Case Closed, I called XXXX to follow up with Loan XXXX, They Could not localize the loan that they Had secured from XXXX in my name or my cosigners name. XXXX : XXXX Consumer Reporting shows TRANSWORLD SYSTEMS having placed an Account in Collections for me, Date Assigned XX/XX/XXXX -XXXX confirms now XX/XX/XXXX a last known balance of {$7400.00} and provides me a non-working telephone number for the XXXX, multiple attempts failed -I found a different number and reached the XXXX who now ARE able to find my loan and is NOW able to give me information on TRANSWROLD SYSTEM as the company Servicing the Loan on their Behalf -I Speak with TRANSWORLD SYSTEM who is able to verify my account but has home addresses and telephone numbers that are 8 years old ; they have never made any attempt to contact me, neither has XXXX. -TRANSWORLD SYSTEM says a " different department '' is managing my account, I am transferred to the LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX , Florida who confirms my account is in collections, no other information provided as to promissory note, proof of debt, XXXX account information over the phone. -LAW OFFICES OF XXXX XXXX XXXX claim I owe {$7800.00} that they are collecting for XXXX ; a different balance than that provided by XXXX today as the original amount owed. MY GRIEVANCE IS THAT THERE IS A COLLECTIONS ACCOUNT FILED AGAINST ME WITHOUT ANY EVIDENCE OF THE ACCOUNT BEING OWED OR PROOF OF TITLE. THE LOAN IS IN DEFAULT WHICH IS NOT POSSIBLE AS THE LOAN WAS BEING PAID APPROPRIATELY UNTIL XXXX  ADVISED THAT PAYMENTS WOULD NOT BE ACCEPTED RELATING TO COSIGNER IN BANKRUPTCY. I WAS NEVER CONTACTED BY ANY OF THE ABOVE MENTIONED PARTIES WITH REGARDS TO THIS ACCOUNT. THERE IS AN ALLEGED PAYMENT HAVING BEEN MADE ON MY CREDIT REPORT ON XX/XX/XXXX ; WHICH IS NOT POSSIBLE AS NO PAYMENTS HAVE BEEN MADE SINCE XXXX SUSPENDED AS ABOVE, WHICH BRINGS UP THE ISSUE OF THE STATUE OF LIMITATIONS.
Product: Mortgage

no bad dates should appear on credit report. i wish they would be take off! 
30 days, 60 days, 90 days, 120 days should be take off. only ones pushed back XXXX, XXXX XXXX all of them should come off because i called the office and talk to some one. 
thank you
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

Complaint Against : XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX/XXXX - XXXX XXXX Husband called back to the agent, verified the caller as XXXX XXXX. Agent confirmed that she did call and speak with neighbors. Notified agent that FDCPA complaint, Attorney General Complaint and BBB compaint was to be filed. 

XXXX/XXXX/XXXX - XXXX XXXX XXXXXXXX XXXX - Called and left message with my neigbor 's fiance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX - Called and spoke with my neigbor regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX Called and Spoke with my husband regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX Called and spoke with my mother-in-law [ Did not get name ] XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Called and spoke with my father. He let them know they were violating FDCPA [ Did not get name or extension ] XXXX
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX mistakenly sent me a check ( # XXXX ) for {$360.00}, which I deposited, reference medical claim XXXX XXXXXXXX. They later sent me a letter stating they had made a mistake sending me the check, and the check should have been sent to the provider. I mailed XXXX XXXX XXXX  a check to repay the amount ( XXXX XXXXXXXX ) dated XX/XX/XXXX for {$360.00}. XXXX cashed that check on XX/XX/XXXX ( back of cleared check is stamped with deposit XXXX XXXXXXXX ). I have a copy of the cleared check. On XX/XX/XXXX XXXX turned the {$360.00} alleged debt over to collections company GB Collects, who is now attempting to collect the alleged debt. I contacted XXXX who said they would need some time to figure out what the situation is. Meanwhile, GB Collects continues to attempt to collect a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account became delinquent in XX/XX/2019. The company filed court action, after I missed payments. I communicated with creditor but was forced to sign a judgment to be able to pay them and get my account in good standing. Since that time, on XX/XX/2019 they did a hard credit pull on my credit file without my consent. In addition to this, they also locked me out of the online account ( which is where I can view account details, make payments etc. ) It says I do not have an open account with their company. In addition my most recent payments in XXXX and XXXX, I called into their office to make payments with XXXX. She told me each time the total amount that was due. On XX/XX/2019, I paid the monthly payment amount of XXXX, on XX/XX/2019, I paid the monthly amount of XXXX. Again, on XX/XX/XXXX I called in and spoke with XXXX, he said my payment was due on that day XXXX, and that as of then I was not behind. I determined the next day that they are reporting I am 60 plus days late on this account, and not being transparent to me about this. I need help with this. As someone that's had credit issues. I had established finally a good credit score with a lot of hard work. They have dropped my credit score by more than 100 points, and are affecting my job and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of credit report from Experian and I found inaccuracy on my personal information. My last name was spelt wrongly as XXXX XXXX XXXX instead of XXXX XXXX which is correct spelling. I want that XXXX XXXX to be remove from my credit report to avoid identity theft. And I also noticed there is still couple of addresses on my credit report that did have apartment number or wrong number and they needed to be corrected or removed. They are XXXX XXXX XXXX, XXXX, Ga XXXX address ID # XXXX, address ID # XXXX, address ID # XXXX is should be XXXX instead of XXXX only, address ID # XXXX, these are addresses that needed to be updated or removed from my credit report as soon as possible. In fact correct addresses are ID # XXXX current, ID # XXXX and ID # XXXX both previous. Thank you.
Product: Student loan

Settled my debt with GC Services and confirmed with rep named XXXX that all XXXX disbursements were included in the settlement only to find out one month later that they want me to pay more. What can I do? They will not even provide a reference number or receipt of my recent {$7000.00} payment!