23daVinci/CFPB_Complaints huggingface dataset:
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, Account name XXXX XXXX : # XXXX, Account name 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

An account was fraudulently opened with Speedycash by an identity thief and the debt was turned over to XXXX XXXX debt collection services and the collection agency will not remove the account from my credit report despite me filing a police report, providing the name of the assailant and signing an affidavit that the debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me as 120 days late on the XXXX XXXX XXXX XXXX account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit card or prepaid card

They told me I had to 9 dollars just to make my payment when I was in the phone with Them. I refused to pay them 9 more dollars just so I could pay them. I told them I would not pay that 9 dollars for that. Everything I was as they say late I wa never over 30 days late ever. Check my payments wirh them and the dates. Never 30 days was I late.
Product: Student loan

I called Navient about my repayment on student loans. I am currently paying {$330.00} a month on the XXXX of each month for loans. I called and asked to increase amount to {$380.00} and make due date the XXXX of each month. I made payment on XXXX XXXX and asked for next payment to be on XXXX XXXX. The representative said that was fine and set it up for me. When I checked my account online the next day ( XXXX XXXX ) it showed a payment of {$330.00} due on XXXX XXXX. When I called Navient they said sorry we messed up but we already starting taking out your payment and if I wanted to stop it I would have to call my bank. I was told it was my fault for setting up the payment before the date XXXX XXXX had passed because that 's just what their system does. I am so sick of the way this company handles business.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit card or prepaid card

In early XXXX Citi Credit card suggested for me to change my account number due to a vendor billing my card even after cancelling my service. I agreed and changed my account with that change my auto payment was not changed. 

After my auto payment was changed I made a payment using the app, about 2 weeks after I received an email that my mobil payment was never received which I called fixed the issue and made another payment. 

While making the second payment which was received Citi told me that the late returned penalty will be taken out and should not worry about it but 2 days after I found out that my credit card was closed due to late or returned payment. 

The reason my payment was returned is I was told that my Citi Checking account had a system glitch or when I submitted payment the account number used was my old account number. 

I have been a customer for over 12 years but when my account was closed by Citi for returned payment i did not even receive an email or a call had to find out when automated payment was rejected and other vendor called me to let me know that my payment has been declined. 

Citi Credit card and Citi checking team do not work together to understand the issue and when they send the account to someone for approval to reopen they are not looking at where and why payment was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX XXXXL XXXX {$2300.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or remove the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX L XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a collections notice dated XX/XX/XXXX about a bill in the amount of {$500.00} from a collection service called Phoenix Financial that was serviced on XX/XX/XXXX to an address that I have never lived at XXXX in a round-a-bout way, their distant relatives ). I called the original creditor to figure out who and what the bill was actually for ( I have XXXX children so it could have been any one of us ). After checking each individual name through their database, the lady assisting me tells me that NONE of us have any past due or outstanding bills with them. I told her the collection service whom I received the notice from and she replied that they ( her company ) does not even use that collection service. 
So I call the collection service directly on XX/XX/XXXX at XXXX and had a 7 minute conversation with them trying and get clarification. They also can not tell me who the actual bill is for or what it is for. I ask them to send me a copy of the original bill and I'm still waiting XXXX It's now XX/XX/XXXX ). When I pulled my credit report in XXXX of XXXX, this collection wasn't even assigned until XXXX of XXXX and it wasn't on my report in XXXX of XXXX. 
I've contacted XXXX, XXXX, and XXXX  to dispute this on my account, but they all came back saying that the debt had been verified as mine. But really, how can you come after someone for a debt 5 years later, with no prior mention of it, and think that it's a legit debt??
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX
Product: Debt collection

Someone from a phone number listed as XXXX called me on back to back days and I answered the second time but they would n't say who they were with she only would say her name, " XXXX XXXX '' and " it 's regarding a personal matter '' but offered no other information. 
They need to be upfront that they are actually a collection agency which she did not do.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries and accounts that I did not authorize, made by the following companies : XXXX XXXX XXXX account # XXXX XXXX collection {$81.00} Inquiries : XXXX. ( XXXX XXXX Bank XX/XX/XXXX ) XXXX. ( Department of Education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX. ( Department Of education XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX  XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXX  XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. ( XXXX XXXX XX/XX/XXXX ) XXXX. ( XXXX XXXX Bank XX/XX/XXXX ) XXXX. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX/XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX co XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXXXXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copiestt of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

On XX/XX/2023 I went to XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX GA XXXX to withdraw {$60.00}. The ATM experienced an error and cancelled my transaction but the money was withdrawn from my account. I contacted XXXX XXXX XXXX XXXX XXXX the next day and was informed their atm count was over {$60.00}. The lady explained to me they could not let me come pick up the money I would have to dispute it. Once my bank contacted them they would agree and return my money back. I still have not received my money.
Product: Credit reporting or other personal consumer reports

VIOLATION OF Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) XXXX IS IMPROPERLY using my private data to allege debts, and damage me with non-affilated third parties for unpermissible purposes Per : 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Product: Checking or savings account

I disputed {$150.00} charge from XXXX because the app had force closed and redirected to book a new flight but they took the money out account and it was pending. 

I call airline to see what happen they can not see anything because it closed so I called Chime to dispute and the decline! You can see I had to purchase another flight right after this flight so clearly It was suppose to be refunded back!
Product: Debt collection

XXXX XXXX XXXX XXXX Caine and XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX Delivered Via Regular Mail and Email : XXXX Account # XXXX Caine and XXXX, Has made 2 claims for monies not owed to XXXX XXXX. In each instance my request for verification of the amounts owed and written agreement between XXXX XXXX and Caine and XXXX  has gone unaddressed. These actions have had adverse impact to my credit score three times. 

The dispute was delivered via email and mail for communications delivered, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Enclosed are Copies of each communication ) As of XX/XX/, I have another communication from your office regarding and event and cost I am not aware of instructing XXXX XXXX to perform on my behalf. I have removed XXXX XXXX as the Agent with XXXX XXXX ( Please do the research ). The amount of XXXX with the XXXX XXXX Account Number XXXX and C & W Account Number XXXX is simply a matter of C & W being XXXX for being handled regarding the abovementioned.
Product: Credit card

I have been a loyal customer of Capital One for an extensive period, diligently ensuring that my payments are made on time and even exceeding the minimum required amount. However, in XXXX, I encountered an unforeseen issue when a payment I submitted was returned due to a shortage in funds caused by my mortgage company charging my mortgage. To rectify the situation, I promptly made a second payment of {$700.00}. Surprisingly, Capital One did not attempt to withdraw this payment from my checking account. Perplexed, I logged into my account after two days and, realizing that the payment was not processed, I decided to submit an additional {$500.00} payment. Unfortunately, the same issue persisted three times consecutively.

Frustrated by the lack of progress, I contacted Capital One and was fortunate enough to speak with a supervisor who agreed to conference call XXXX XXXX, my banking institution. During the call, XXXX XXXX confirmed that Capital One had indeed failed to initiate the payment attempts following the incident in XXXX. This failure occurred on three separate occasions. After making a second call to seek resolution, an agent informed me that I could make a payment over the phone without incurring any charges. However, I opted to make the payment through the app, as I had verified that I had sufficient funds in my account. The agent assured me that the payment would be reflected by the following day, and we concluded the call. 

The next morning, I logged into my Capital One account to ensure that everything was in order, only to discover that my account had been closed due to the aforementioned situation. This outcome is entirely unacceptable, considering that Capital One was at fault, not me. 

I maintained a flawless payment history with Capital One, yet their system experienced a glitch that resulted in the failure to request payments. Furthermore, during one instance, I had Capital One on the line while we contacted XXXX XXXX, who confirmed that no attempts were made to retrieve the payment. 

It is disheartening that Capital One chose to close my account without attempting to resolve the issue, especially considering my long-standing record of timely payments. Even with my account closed, they continue to accumulate debt, which is entirely unacceptable.
Product: Credit reporting or other personal consumer reports

There are items, inquires and addresses that are reporting on my report doesn't belong to me. I made a report to report these fraudulent items. I am requesting that these accounts can please be removed. I never authorized any of these accounts and I would really like for the accounts to be investigated but removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I received my account balance from XXXX XXXX XXXX in the amount of ( {$910.00} ). Prior to receiving the invoice, I had moved from I moved Nevada to Georgia XXXX due to the impacted COVID-19 had on my immediate family. Because of the move I was unemployed until XXXX XXXX 
Therefore, I wasn't able to pay the balance of the invoice until XXXX of XXXX I mailed the check to XXXX XXXX for the balance and did think much about it ( balance paid in full ). In XXXX I was personally dealing and experiencing COVID symptoms ; one member of my household tested positive for XXXX and XXXX which placed our focus on overcoming XXXX. 
In XX/XX/2021, received an e-mail notification advising me that a collection agency had report onto my account for an unpaid balance of {$910.00}. I immediately contacted XXXX  XXXX XXXX and spoke with XXXX the office manager on XX/XX/2021 to inquire about ( Amerassist ) reporting and explained that I had mailed the balance in XX/XX/2021 and aplogized for not confirming the check was cashed and explained how my family and I had been dealing with XXXX from XXXX to sometime in XXXX. The office manager stated the check was never received and advised that if I take care of the balance that day she will accept payment and have the collection agency remove the collection account from the credit bureau ( Outside sources ). I made the payment and XXXX e-mailed the receipt from XXXX XXXX XXXX and the next from days e-mailed me the request to have ( Amerassist ) remove the account collection/outsources. 
With that said, I contacted on XXXX and XXXX ( XX/XX/2021 ) and opened a dispute and provided both Credit Bueres with the pay receipt from XXXX XXXX XXXX and uploaded on ( XX/XX/2021 ) the e-mail from the office manager to have ( Amerassist ) remove the account from my report ( outsources ) as XXXX XXXX agreed to accept the payment and not take any other actions. 
On today 's day XX/XX/2021, XXXX sent a resolution email stated they had updated my credit report with balance paid but refusing to remove the collection account from my credit report, XXXX accepted the documentation and has removed the collection from my report. I contacted XXXX again and explained what was uploaded to my XXXX disputed that I paid the original account holder and have never owed the agency any money and the account holder agrees to not take actions against me personally since the account was paid in full. 
Amerassist has received the e-mail from XXXX XXXX XXXX asking them to remove my account from collections and obviously refused to do so.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Items to Dispute Personal Information Also Known As : XXXX, XXXX, XXXX Former : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$49000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

TransUnion is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I WROTE XXXX XXXX XXXX ABOUT THE EIGHT HARD INQUIRIES ON DATES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. IM REQUESTING YOU SEND ME PROPER PROOF THAT WHAT YOU ARE REPORTING IS TRUE, IF YOU CAN NOT, IMMEDIATELY REMOVE YOUR FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS ACCORDING TO FDRC. 

THERE IS MORE TO THE LETTER AND IF YOU WISH TO REVEIW IT I WILL PRODUCE IT FOR YOUR COMPANY. 

P.S. I HAVE NOT HEARD FROM XXXX  XXXX ANY TIME SENCE MY LETTER. I ALSO WROTE ALL THREE CREDIT REPORTING AGENCYS AND THERE RESPONCE WAS THAT I DID NOT SEND THEM ENOUGH INFORMATION TO VERIFY THAT THIS WAS ME ASKING FOR THIS REQWUEST. I SENT THEM EVERYTHING AND I MEAN EVERYTHING .... 

IM SO TIRED OF THIS XXXX ... ITS CRAZY AND I CANT UNDERSTAND WHAT IS THE PROBLEM HERE, TO ME IT IS SELF EVIDENT AND IF YOU CAN NOT SEE THIS PROBLEM THEN YOU ARE JUST AS BAD AS THEM WHOM ARE TRYING TO HOLD ME XXXX FOR XXXX ONLY KNOWS WHY ... 

IF I SOUND A LITTLE UPTIGHT WELL That's BECAUSE I AM ...