23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. 
They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 everything has to be 100 % accurate on my credit report. 
XXXX XXXX # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last report is not act. This ground for removal they also violated my right under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions
Product: Credit reporting, credit repair services, 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 these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

l have wrote ( 3 times ) TransUnion, XXXX, and XXXX about a bankruptcy that on 3 of my reports ( US Bankruptcy Court Docket # XXXX ). I sent them a letter on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I have the receipts to prove it ). They said they got their information from the courts or XXXX. I wrote the courts and they said they don't deal with the credit bureaus. And my XXXX report has a freeze on it, so they couldn't have done a reinvestigation. I sent them in the letters I received from the courts and XXXX and they still said it was verified. I requested to see any court documents bearing my signuture and, I have seen nothing. This has been almost 90 days. I sent them facts ( proof ) that they were not being 100 % truthful about their reinvestigation. And they could not show me any paperwork from the court making me liable for this information they were reporting about me. It's the courts job to report a bankruptcy, not the a third party vendor like XXXX. Which is a voilation of the FCRA. Plus,  XXXX is verifing me by my last 4 Social Security # s. They can not do that either.
Product: Credit reporting or other personal consumer reports

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, and DEPT OF EDUCATIONXXXX XXXX XXXX Please remove these fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

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

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PERSONAL INFORMATION AND FRAUDULENTLY OPENED ACCOUNTS IN MY NAME.
Product: Payday loan, title loan, personal loan, or advance loan

I recently took out a loan from Special Financing Company in XXXX, XXXX on XX/XX/2024 for {$17000.00} for a Real Estate Mentorship. They made me pay an immediate XXXX payment of {$870.00} from my debit card. I decided to not move forward and now they will not refund my first payment. I called many times with no positive response about getting my deposit back. I am a XXXX XXXX and will be XXXX XXXX XXXX this year. I believe I am being taken advantage of. All I want is my payment because I did not expect to be paying XXXX XXXX of 29.99 %. I never used the Loan so I believe I'm not asking for nothing except my deposit back.
Product: Credit reporting or other personal consumer reports

These accounts need to be removed and deleted off my credit reports immediately. It is evident that these fraudulent accounts were orchestrated with malicious intent, as they were intended to harm my personal credit and financial well being. If not removed, Ill have no choice but to sue for multiple violations under the FCRA and FDCPA in which under 15 USC 1692k civil liability will be in affect.
Product: Money transfer, virtual currency, or money service

We entered into an agreement to purchase a XXXX Truck from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana. After numerous e-mails, a wire transfer of funds was sent and the truck was to be delivered the next week. When we received no information about the delivery, we called the dealer and the phone was not working. All information is still up on the website, including the truck we supposedly purchased. We tried contacting the bank that our bank, XXXX XXXX XXXX, transferred our money to and they are very rude and told our bank agent that they do not like dealing with XXXX XXXX XXXX  and will make them jump through hoops before dealing with them. However, they did let XXXX XXXX XXXX know that the funds in the account we sent our monies to were frozen. This happened on XX/XX/XXXX and Iberia Bank of Louisiana is still not cooperating about what has happened to our {$25000.00} that we transferred. The XXXX XXXX XXXX XXXX XXXX XXXX is still advertising classic cars for sale, but will not answer our phone calls. I am attaching all the e-mails and information I have to substantiate our claim. 

On the wire transfer instructions, it is listing Iberia Bank with a XXXX Indiana address, however, there is no Iberia Bank in Indiana and our monies went to Iberia Bank in Louisiana according to the routing number. Our XXXX XXXX XXXX Agent, XXXX, has called them numerous times and they will not deal with her. I filed a report with the Police Department in XXXX Indiana, however now that we know the bank is in Louisiana, I had to call the police department there are they would not take a report. I filed a report with the FBI, but have not heard back from them either.
Product: Credit reporting

I have had a XXXX account on my credit report for about 7 yeas that I was an authorized user on. I requested that it be removed from my credit report as I had no responsibility for the account. XXXX agreed and said it would be removed. It was removed from all of my reports except Equifax. I have submitted several disputes with Equifax over this matter. After saying it is valid each and every time I have contacted XXXX and they state Equifax never submitted the dispute to them. I even have the paper from XXXX that says it should have been removed several years ago. I have submitted that paper with it as well and Equifax leaves it on there. I do not think that Equifax is following the laws regarding the dispute process and is in turn, hurting consumers. This is not the only account that they have done this with and I will be submitting additional complaints against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments on my credit report that was placed by XXXX XXXX XXXX they placed ( 2 ) 30 day lates that were inaccurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from XXXX Equifax XXXX and XXXX XXXX XXXX.. 


Attached are receipts of payment
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I am a victim of identity theft. I found 2 unauthorized inquiries that I have no knowledge of.

Please remove these fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED LETTERS ISSUD TO FINANCIAL INSTITUTION AND BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX  are tried to pay off the entire balance on my card cause everytime I have paid on line the payment had been reversed causing my account to have late fees and XXXX points taken off my credit. On XX/XX/XXXX I received a thank you for your payment and confirmation of payment and was sent to my email. On XX/XX/XXXX I checked to make sure the payment had still been posted at XXXX something at night and it was still accepted. So on XX/XX/XXXX I see I got notice that my payment didnt go through so I call them and ask them why they did that and they kept saying that it takes 24 to 48 hours for payment to be taken out of my account and I let them know that it was well past 24 to 48 hours and that they charge me {$40.00} every time that they claim they didnt get payment. And they told me that all that they could do for me was remove the late fees if I was able to make a payment that day. I explained I no longer had the money in my account at that time that I had received confirmation of my payment and now they say they didnt get it all. After that phone call the date that they reversed the payment changed not once but twice so that it showed that the day the payment was suppose to have been received was the same day it reversed and that wasnt the case at all. So getting that card to build my credit has since ruined my credit and I dont like the fact they changed things on my account to work in their favor but I made sure I screen shot all these facts I am listing
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( 4 ) that your Company never provided an adequate notice which Cleary & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 USC 1602 ( K ), the term adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood it meaning. Such notice may be give to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned sector, I couldn't understand is meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( 2 ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1802 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 usc 1692G ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request i will not escalate this matter to federal Court. In case you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter. 
Sincerely, : XXXX : XXXX All Rights Reserved Without Prejudice
Product: Checking or savings account

Questions I Must Have Answered 1. I want to know why Bank of America has asked me for irrefutable evidence and when I have sent them multiple documents of irrefutable evidence why then have denied my case.

2. I want to know why supervisors themselves have admitted to me that Bank of America has no evidence in which they are basing their case on by explaining to me when requested by me that there is no video footage available. Also realize by me and multiple supervisors that the evidence that Bank of America sent me and used for the case is not in fact evidence at all just a printout of the transactions that happened to me.

3. I want to know what basis they are basing their decision off of and why I have been denied multiple times.

4. Each time my case was denied it was denied within two or three days maximum. I want to know why Bank of America though repeatedly requested by me refused to conduct a full investigation which should at least take up to 45 days 5. I want to know why Bank of America never contacted the police for detectives about my case in which I turned in a police report three and a half months ago.

6. I am requesting a copy of all notes from supervisors and agents that i spoke with during these periods about my case.

7. Why was Bank of America deceptive in their tactics. They misinformed me plenty of times and even though I ask questions repeatedly I received different answers each time I want to know why after I identified the issues as listed in my case that they did not address these issues for continue to ignore them and deny my case again within two days.

I read the statement on my case and these questions were forgotten
because these questions were the most important questions that I wanted to ask. I am sending them now because I do not see them in my statement and my statement does not read the way that I believe I said it so if possible I would like to re record my statement or if advised, I would be willing to type my statement and send it in to you because this case is a lot more unique than presented. I've been dealing with this case for a year and a half almost two years now, actually two years and one month now that I think about it. I would like to speak to someone more in-depth about the situation to explain exactly what is going on and what has been going on because I believe that Bank of America from the start has outright lied to me to brush me off and get me off the phone. I also believe that they have been using deceptive tactics to
repeatedly and continually deny my case. These questions above are very important and I would like them added to my case immediately because these questions need answers from Bank of America to me. Thank you very much. Be well. This state ment is to be added to XXXX XXXX XXXX as i do not see it in the statements typed for me.
Product: Debt collection

I paid my rent all the time i was in XXXX i didnt ow nothing they were XXXX  give the notificacin 30 days before i was in XXXX i paid all the time ithe apartment was under my friend name but for some reason i was in court with legal.a8d and they helping me with the case now they said i need to paid this amount i didnt owe nothing and they never call me i call them i was with roches my Kids were really sick  i have a los of evidente in the court my Kids are XXXX  now Who they can tell them why we need to paid this amount my son was XXXX XXXX XXXX i have my all pictures too saving to report the apartments with roches thrash and i am not only the person in the apartments with this problemi
Product: Debt collection

I have no knowledge of this account. I believe that this account was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX contacted XXXXXXXX XXXX  and XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to show information they have on me they sent bank statement but not proof of the check or the original signature I also listing them the accounts that's not mine and don't know who the accounts to belong to I also gave them FTC Report that was not honor so im resubmitting the documents need assistance to help remove or block the accounts thats reporting on my credit report without my permission XXXX Experian. XXXX is giving personal detail without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around the beginning of XX/XX/2022, I contacted Freedom Mortgage and communicated that my loan/mortgage account with them was reflecting that it was " refinanced, '' but it was simply paid off and not refinanced. Additionally, the comments on my credit files also incorrectly reflect that it was refinanced. Freedom Mortgage assured me that this would be corrected, but it has not been.
Product: Debt collection

My Purse was stolen out my car in XX/XX/2015 and I noticed on my credit report I had accounts that's not mine. I made several attempts to contact the companies and let them know however its still on my credit report. I also made a police report and have copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and having a tough time dealing with the issues.
Product: Debt collection

XXXX XXXX hired Sessoms and Rogers, PA to collect a debt that they say ends in account number XXXX. A Sheriff ( Deputy XXXX XXXX ) came to my door and had no concrete information but just advised me that XXXX XXXX had placed a judgement on my credit and he never served me with papers or any information. On XXXX XXXX, 2016 I then received a notice from Sessoms and Rogers, PA that stated I could request documentation related to the account in question. On XXXX XXXX, 2016 I received a notice from XXXX XXXX XXXX that they had placed a {$4700.00} legal hold on my account because of a writ of execution from the sherriffs department. I have XXXX issues with all of this ; 1 ) I havent had 30 days to do anything 2 ) the legal hold and fees that the bank applied as well as the violation of my account may have been issued by a lawful entity but it has no merit and is an absolute violaton because there is no due process and it places me and my family in a hardship situation because I am the sole provider for XXXX dependents. 3 ) As I research the situation of how I could even get into this predicament, I see that I was supposed to be provided written documentation from the creditor or debt collector, there could have been a court hearing ( that I know or knew nothing of to defend or advocate for myself ) and I should have been served some documentation and not just a visit. Portfolio recovery for me was already settled when I purchased my home and I would like to know at this point what this is. It is harrassment and an absolute violation. The legal hold by XXXX XXXX XXXX as a tactic used by the Sherriff 's Department is also a major violation because they put a hold on an account that would never have {$4700.00} in it and all utilities for my home come out of that account. How could one ever pay all of that money at one time, continue with not falling into debt with their other creditors and servicers and not fall into deeper debt? No one wants to provide me with written documentation. I have been in a predicament before where I called people and thought I had a settlement and then it turned into something else ; I only want clear and written documentation and the only person I really would like to talk to is someone who can advocate for me and a judge who I know would have transcripts of our encounter.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I complain the web page displays loan as denied when approved by bank XXXX internal revenue service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some voluntary dismissed chapter XXXX bankruptcy 7 years ago. Equifax continues to report it after seven years. They have publicly stated thru a printed article by a spokesman that they changed the report of these types of bankruptcies from 10 years to 7 years. I file a dispute and never heard back from them. I called to follow up and was told its 10 years regardless what their spokesman 's public comments. I asked for a floor supervisor and he just parrotted the same thing. I then ask to be transferred to his supervisor which he did and it told me I had to leave a message and a supervisor would call me back within twenty-four hours. After waiting more than twenty-four hours I haven't heard from them and no longer expected them to as I think its just a stall tactic. The two other Credit Bureaus no longer report them and I have more than a 100 point increase in my score with both of them. They also only show half of my positive credit whereby the other two report my credit lines/loans history completely. I've been denied credit because of their inaccurate reporting. I seek relief thru your organization first, but hopefully, I won't have to file a legal action. In an email, Equifax spokeswoman XXXX XXXX wrote that the company had recently modified the length of time for how long a dismissed Chapter XXXX bankruptcy remains on file. Under the new policy, she wrote, Equifax removes the flag for a Chapter XXXX bankruptcy after seven years, regardless of the outcome. 
https : //wwwXXXX