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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, XXXX XXXX etc and nothing. Please help me.
Product: Student loan

I signed up for AutoPay on my federal student loans to benefit from the .25 % interest rate reduction. On my Income Driven Repayment plan, I am supposed to pay {$100.00}. I signed up on AutoPay to pay {$100.00}. I received a billing statement from Aidvantage telling me that they would be withdrawing {$270.00} from my bank account. When I go onto their website and look at my Auto Pay, it tells me how much I am going to pay on all of my loans, and that total adds up to {$100.00}. At the top of the window, it says " Amount of {$270.00} transfers on the XXXX of the month from Bank Acct XXXX {$170.00} is an additional payment above your Monthly Payment Amount. '' I did NOT authorize {$170.00} extra. I can not find anywhere in my account that says I did. I reached out to Aidvantage, who kept insisting I authorized it. I insisted I did not and they finally did a " view '' option that allowed them to see what I see, which is that there is no record of {$170.00} extra being authorized on my account and thus no way for me to change it since I never OK 'd it in the first place. The Aidvantage employee had XXXX explanation for this and merely submitted a " research request. '' When I followed up today, a week later, all an Aidvantage employee ( XXXX ) would tell me is that the research request is due to be completed tomorrow XX/XX/23. She said they would mail me a letter with the findings. My Auto Pay is set to come out XX/XX/23. I asked how they intended to solve this issue and how this could be prevented, and all XXXX would say was that the research request would be finished XX/XX/23. When I asked her to confirm that her company would not be committing a crime by pulling funds unauthorized from my bank account, she refused to answer me and disconnected the chat. Unauthorized withdrawals from a bank account are a crime both under federal and state laws.
Product: Credit reporting or other personal consumer reports

Account reporting is inaccurate. proof of payments within time frame was provided. Account was not 60 days past due. This is not a similar complaint. This is a new XXXX about a new issue.
Product: Debt collection

CREDIT SYSTEMS did not get my written permission to furnish the unauthorized debt account in the letter attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report this debt. CREDIT SYSTEMS continuously fail to do due process designed to validate the debt Furthermore, as proof of the violations of my rights, The Privcy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions : Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate the alleged debt. I ( the consumer ) have never validated the item listed in my attachment. 
The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate this alleged debt.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm adding some information to this report so please send this to EXPERIAN ASAP. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, the EXPERIAN consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounted opened at XXXX XXXX XXXX Account # XXXX opened on XX/XX/year> this account appears to be related to the aforementioned in this dispute. This account has resulted in a fraudulent collection appearing on my consumer XXXX credit report. I do not recognize the aformentioned account, collection, and or hard inquiry as reported. The aforementioned account, collection, and or hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, collection, and hard inquiry is the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and hard inquiry is a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX has been in question as I have never authorized an account with this company. They are reporting this account without my consent and have requested validation of this debt with anything bearing my signature and they have failed to respond. The initial request was sent to XXXX, Equifax, and XXXX to investigate and I have not received a response.
Product: Credit reporting or other personal consumer reports

I discovered that several accounts, including those from XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX, were inaccurately reported as charge-offs on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete reporting of my credit information. These charge-offs negatively impacted my credit scores ( TransUnion : XXXX, XXXX : XXXX, XXXX : XXXX ), and I believe they were reported incorrectly due to errors in balance updates, payment statuses, or dates of last activity. 

I disputed these accounts with the credit bureaus, I am requesting proper verification and validation of the debt. However, despite my dispute and the legal requirement for the bureaus to thoroughly investigate and respond within 30 days under FCRA, the inaccurate charge-offs were not corrected. These companies have either not provided sufficient documentation to validate the debts or failed to update the information accurately after resolution. 

Per FCRA Section 1681s-2, which outlines the responsibilities of furnishers of information, these companies are required to correct and update inaccurate information. The failure to resolve this after my dispute violates my rights, and I am requesting that these charge-offs be removed from my credit report immediately.
Product: Debt collection

I am filing a complaint against MG Credit as I do not have a signed contract with their company. This company is reporting negative information to the credit bureau which is impacting my credit worthiness. I have also attached the search results for Florida which is not showing an active license for this collection agency. According to the state of Florida Attorney General office they most have an license in order to collect in Florida. 

Please have this collection agency submit an active copy of their license to collect in Florida. If the company can not provide, I am requesting this negative account to be removed from my credit file as well as not sold to another collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX account # 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
Product: Credit reporting or other personal consumer reports

I filed with your bureau a case for Equifax of unauthorized inquires in my credit profile. After that they sent me a letter asking for copies of my drivers license and social security card to verify mi ID and adress. 
On XX/XX/XXXX I've sent a certified letter with copies of the 2 pieces they asked me but instead of resolving the problem, they sent me another letter telling me " If you need a copy of your credit history you sould submit copies of your driver license and your social security " It looks like they are playing games with tha consumers.
Product: Debt collection

I am filing this complaint against Midland Credit Management. Midland has failed to provide me with requested information about the alleged debt. I have made several attempts to rectify this by written dispute letters to them and the credit reporting agencies. All of my efforts in sending certified letters to them were of little or no avail. On XX/XX/2019, I received a demand letter from this debt collector Midland,  stating they were " uncertain of what you are specifically disputing ''. In my disputed letters, I clearly and respectfully ask in my letter for documentation of the following : ( 1 ) The signed copy of the original consumer contract, a contractual agreement that you say I owe and agreed to pay you ; ( 2 ) Any receipt ( s ) of sale ( s ) of the alleged debt ; ( 3 ) Copy of your debt collection rights, license or any proof that Midland is licensed to collect this debt in the state of Florida. Midland 's demand letter never included any of the requested information that would show ownership of this account. Let it also be mentioned, that failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the alleged debt. I hope this matter can be resolved soon and that it be taken care of amicably as my credit has taken a hit because of it.
Product: Checking or savings account

Between XX/XX/XXXX to XX/XX/XXXX, I held a CD which had a 24-month term, APR of 4.32 percent with a maturity date of XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, the APR changed to 4.29 percent. I was guaranteed the APR was locked in for 24 months. Between XX/XX/XXXX to XX/XX/XXXX, I held two other CDs with a 10-month term, APR was XXXX percent with a maturity date of XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, the term changed to 10 months with a 5.30 percent to 4.50 percent with the maturity date changed to a 12 month term. The same happened with other CD where APR was 5.31 percent to 4.50 percent and term changed to 12 months. Can someone please explain the logic behind this and why.
Product: Debt collection

XXXX XXXX  IS ATTEMPTING TO COLLECT A DEBT FROM ME THAT DOESNT BELONG TO ME. THE ACCOUNT NUMBER IS XXXX.
Product: Money transfer, virtual currency, or money service

I was looking for puppies for my kids and contacted a puppy breeder on XXXX XX/XX/XXXX. We discussed a bit, her name is XXXX XXXX said her husbands name is XXXX XXXX and they live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Email addresses are XXXX and XXXX. 

I sent a deposit of {$350.00} on XX/XX/XXXX and then was blocked from all communications with puppy breeder I reached out to my bank immediately to cancel the transaction that was placed using XXXX  through the bank app. After a little over a week I received a letter stating that my claim was denied and no error was found. I called my bank to get more information and the lady on the phone stated that the contacted XXXX and determined that no error was made and no refund can be done. 

I used a family members account to locate puppy breeder and once figuring out it was me, puppy breeder refused to refund my amount and then blocked my family member so I lost all communication again.
Product: Checking or savings account

I deposit a check they wouldn't let my check be deposited in timely manner I would like this issue to be resolved
Product: Credit reporting or other personal consumer reports

The Navy Federal Credit Union account continue to show it as a late payment. They have negatively reported this on my credit report recently after my request to remove false information. It has caused me stress. They continue to report account as negative/late even though It was charged off years ago. This appears to be a stall tactic which has hurt my ability to obtain credit. Also they have purposely listed account as past due each month as retaliation of my request. They are purposely hurting my credit with false information about being late every month. I demand under FCRA that the charged off account be removed. FCRA - you are required to " ... promptly DELETE all information which can not which is not accurate.The Law is very clear. Once they remove the information they can reach me at by mail at XXXX XXXX XXXX XXXX XXXX CA XXXX or XXXX XXXX
Product: Vehicle loan or lease

I have a auto loan from Santander Consumer USA for XXXX XXXX XXXX. The loan dates are from XX/XX/XXXX to XX/XX/XXXX. The loan has reached maturity and Santander claims I still owe them {$3200.00}. I have made two additional payments since the maturity dates were reached ( XXXX and XX/XX/XXXX ) as well a double payment for the month of XXXX. The double payment in XXXX was for any late fees associated with my account. I went through a tough financial stretch at the end of XXXX and continuing into XXXX. Santander offered to cut my payment down from {$360.00} to XXXX for 6 months. I payed {$220.00} for XXXX and XX/XX/XXXX and then {$300.00} for XXXX to XX/XX/XXXX. I was not made aware that these payments would go directly to interest when I spoke to an employee in XX/XX/XXXX. I spoke to an employee on XX/XX/XXXX about my principal balance. She explained that I had accured {$300.00} in late fees. So I made a double payment for the month of XX/XX/XXXX. I also spoke to an employee on XXXX XXXX, XXXX inquiring about why my balance was so high. I asked for an itemized copy of the charges and was told that Santander doesn't do that. He instead sent my payment history. I need to settle this loan but feel like I am being taken advantage of by Santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to XXXX XXXXXXXX where i got the inquiry from and XXXX XXXX tells me to call XXXX to get the inquiry removed and XXXX tells me to call XXXX XXXXXXXX. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well back in XX/XX/2015 I was working a full time job at a XXXX XXXX XXXX. I wanted to make extra money on the side so I did a job/project with someone that needed help so after I did the job/project he compensated me very well. So I went go deposit the check and it turns out it bounce. So I went to go talk to him but he was leaving and I didnt get to talk to him again. By this I was reported to suspected fraud activity. I recently found out after I try to apply again at a bank. I just want to clean all of this and I didnt know it was a bad check. I was XXXX at the time and it was a honest mistake by me and my knowledge towards banking was very minimal. I just want to get this off my record because I have a kid and I just want to start my life right. Thank you for your time
Product: Checking or savings account

Citibank is ripping off customers by charging overdraft fee on top of overdraft fee. I was credited a overdraft fee on XX/XX/XXXX and signed up for overdraft from savings to checking. However yesterday after speaking to a representative my account was at a positive but Citibank charge me another {$34.00} again for the overdraft charge that i was credit for. So basically they charged me {$34.00} on top of the {$34.00} that they caused the account to overdrawn.
Product: Checking or savings account

On XX/XX/year> someone hacked my chime checking account. The instant I noticed money left my account & this has happened I called my bank, I filed a police report with my local authorities, I reported a scam complaint with my bank and my bank Chime is saying they are not able to reverse funds which were unauthorized. More than half of my monies left my account unauthorized and I want them back. I have contacted all parties involved and my bank continues to say it was authorized when I have called multiple times telling them it was not and that someone has stolen my information. They have not reversed the funds from the unauthorized party. They cant even tell me who this person is! The pay anyone feature does not tell you who this is. I continue to re dispute this but my bank does not want to reverse the money from the culprit. I do not know the person money was sent to. I would like funds to be return from the unauthorized party to me. Money should not be sent to people I do not know or confirmed in a better way to protect from scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} The following accounts are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. I only had one account with this company. Please delete immediately. 

XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong info : se attachments for proof XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance XXXX Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Balance XXXX Consumer name XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Balance XXXX consumer name XXXX XXXX XXXX ssn XXXX XXXX XX/XX/year> balance 13,510These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.