23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My identity was compromised and they sent me {$26.00} Fraudulently. 

My social security number is XXXX Date of birth XX/XX/XXXX  Drivers license number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting inaccurate information about me. Here are all the inaccuracies on my credit file : XXXX XXXXXXXX XXXX I do not owe a debt to this company. 

XXXXXXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX I do not owe a debt to this company. 

XXXX XXXX XXXX ( all 9 accounts are inaccurate ) I do not owe a debt to this company.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( XXXX XXXX XXXX ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( XXXX XXXX XXXX, XXXX, XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. Please investigate these matters and block the disputed item as soon as possible. I have been trying to get this matter handled for several months now and the credit bureaus are not giving me much help.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts listed on ftc report : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened DateXX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1200.00} High Balance {$1200.00} Remarks Medical XXXX XXXX XXXX XXXX {$920.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$920.00} High Balance Last Reported XX/XX/XXXX Creditor Name SYNCB/AMAZON PLCC Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1000.00} XX/XX/XXXX Creditor Name XXXX  XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$130.00} XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XXXX XXXX XXXX  Limit {$100.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$310.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$310.00} Times 30/60/90 Days Late 1/1/4 Remarks Charged off account Account closed by credit grantor
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX   XXXX Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} TRANS UNION XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX TRANSUNION XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. XXXX XXXX XXXX & XXXX CARD are falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX CARD have published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX XXXX CARD have published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove inaccurate items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any items or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., Please see the list of erroneous items that are reporting on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX  XXXX Balance : {$430.00} ; XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Money transfer, virtual currency, or money service

I have a XXXX  account with Gemini LLC. Gemini believed I had a security issue and I proved them wrong. They kept having me send document after document. They turned off my account and would not let me trade for a month. Then instead of resolving the issue, they made me sell {$12000.00} in XXXX, which cost me fees. They would not reinstate my account and actually forced me to sell. And they would not tell me why they did this. Told me they won't say why. I have lost money not being able to trade and now have to set up an account with another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, nearly all of my credit accounts disappeared from my records on myequifax.com. I have initiated disputes through their website XXXX XXXX, XXXX, and XX/XX/2020 XXXX, filed a XX/XX/XXXX complaint XXXX XX/XX/2020 ), and called their customer service line ( XX/XX/2020 ). Each time I have been told there is nothing wrong with my report and that I can access my credit history via myequifax.com, yet myequifax.com still shows almost none of my credit history. 

When I asked their customer service representative how to contact tech support to address the issues with their website, I was told they are tech support and there is nothing wrong with my account. Solutions offered were to refresh my browser history ( no effect ), and to mail their dispute center my XX/XX/XXXX and XX/XX/XXXX credit reports for comparison. The issue is not my credit history ; the customer service representative said their files show 17 accounts. The issue is I can not access my credit history on myequifax.com, and I have thus far been unable to connect with anyone who has the expertise to address the issue.
Product: Credit card or prepaid card

In XXXX of last year, {$1000.00} had been withdrawn from my prepaid Bank of America XXXX card. I did not give anybody my card or pin number nor did I authorize anybody to use my card ever as one Bank of America phone representative insinuated. After I had discovered the missing funds and reported what happened to Bank of America, I received a letter from them all of three days later stating that my account seems to have been involved in some fraud and the case was closed. I called BofA again and asked why nobody had investigated and how could they just ignore my claim like that. The representative told me to write an appeal letter reiterating that I did not authorize the transaction in anyway nor give out my pin number and to please conduct a proper investigation. I did as instructed and faxed the letter over to the number she gave me on XX/XX/2020. By XX/XX/XXXX, Bank of America 's response was to freeze my entire account which had {$2300.00} in it and left me with no money at all. I made numerous phone calls only to be insulted by employees or to be told that I was just one of hundreds of thousands of people which did not help. I wrote them a letter again on XX/XX/XXXX, and again on XX/XX/XXXX. Finally, the {$2300.00} was released on XX/XX/XXXX and that was the end of it. I was right back where I started when I first called to complain about the missing money. They apparently still have not bothered to investigate, they won't cover the loss as even their own website states and they will not do anything to help me with this. They didn't even send me any kind of courtesy notice either when they froze my account. I am yet again requesting that Bank of America replace this {$1000.00} stolen from my account as they are supposed to assist when a customer has been a victim of fraud not make the situation even worse for them. I will never use their card again, because it obviously is not safe and offers no protection for consumers. I am tired of trying to deal with them and would just like the money stolen from my account to be returned. They clearly have no intentions of taking any actions on my behalf.
Product: Credit reporting or other personal consumer reports

formally request the immediate blocking of information in my consumer file that resulted from an alleged identity theft, in accordance with 15 U.S. Code 1681c2. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency I have yet to see any action taken on your part, which places you in violation of the law.
Product: Debt collection

An entry in my credit report is for {$69.00} reported by Collection Bureau of America, XXXX XXXX XXXX XXXX, XXXX, CA. I contacted them and talked to XXXX XXXX and informed her that they had the wrong information ( date of birth and ssn ) after talking XXXX, agent at the original creditor ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA ), who told me my date of birth did not match the patient on file. XXXX refused to give me any information about how I could prove my case and hung up on me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a letter from Regions informing me that my dispute ( s ) had been reversed on XX/XX/XXXX. Concerned about this decision, I immediately called on XX/XX/year>, to seek clarification. During this call, I was informed that the transactions were considered authorized because they were sent through XXXX XXXX. 

However, when I originally filed these disputes on XX/XX/XXXX and XXXX, I was led to believe my claims had been completed and resolved in my favor. A Regions representative even confirmed that my claim ( s ) had been completed, which led me to believe that the refunds were final.

Now, the bank has reversed these decisions without clear communication or prior notice, which has left me confused about the process and why the funds were taken back. As a customer, I expected my disputes to be handled fairly, and I took immediate action to express my concerns once I was made aware of the reversal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX XXXX which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account Number : XXXX - Creditor Name : XXXX XXXX XXXX XXXX Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Experian, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my consumer reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per XXXX ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
Product: Credit reporting or other personal consumer reports

I have sent all XXXX bureaus the proof and they still haven't removed the negative remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, personal characteristics, or mode of living is obtained with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated the accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything must be accurate. I have the credit report showing the inaccuracies. 
XXXX XXXX Account # on XXXX is XXXX. 
2.Account # on XXXX # XXXX XXXX. 
3.Account on Experian # XXXX. 
XXXX reports last updated XXXX XXXX XXXX reports account was updated XXXX XXXX XXXX reports XX/XX/XXXX last update 7.Experian reports last update XX/XX/XXXX XXXX reports Account # on XXXX XXXX XXXX. XXXX reports Account # XXXX XXXX reports Account # XXXX XXXX. XXXX reports last update XX/XX/XXXX XXXX reports last update XX/XX/XXXX 6.Experian reports last update XX/XX/XXXX XXXX reports Account # XXXX on XXXX XXXX reports Account # XXXX XXXX. Experian reports Account # XXXX XXXX reports last update XX/XX/XXXX XXXX. XXXX reports last update XX/XX/XXXX XXXX reports last update FXX/XX/XXXX XXXX
Product: Mortgage

I have not been late on this account. I have been paying them in agreement with my completed loan modification schedule. They are totally XXXX up my credit report with inaccurate information being reported in XXXX, XXXX, XXXX and XX/XX/2019. I need these alleged late pays removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these accounts ASAP. 

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 Account number : XXXX Credit card opened XXXX XXXX XXXX  Account charged off. {$9200.00} written off. {$9200.00} past due as of XXXX XXXX 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened XXXX XXXX XXXX  Account charged off. {$5000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$5100.00} written off. {$5100.00} past due as of XXXX XXXX. 

Account name : XXXX, Account number : XXXX Date opened : XX/XX/XXXX Status Closed. {$2200.00} written off. 

Account name : XXXX XXXX XXXX, Account number : XXXX Original creditor : XXXX XXXX Company sold- Account type : Debt Buyer Date opened : XXXX XXXX XXXX Status : Collection account. {$1700.00} past due as of XXXX XXXX
Product: Debt collection

I left XXXX with 0 balance and returned all leased phones to local store. Receipts have been sent in numerous times to collection agency and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S DEPT OF VETS AFFAIR ACCOUNT WAS PAID AND CLOSED IN XX/XX/XXXX. TRANSUNION HAS THIS ACCOUNT LISTED AS 120 PAST DUE XX/XX/XXXX. I CALLED TRANSUNION AND THE FIRST REP TOLD ME THAT EVEN THOUGH THE ACCOUNT IS CLOSED THEY CAN STILL PUT 120 DAYS PAST DUE FOR XX/XX/XXXX. THE NEXT REP ( SUPERVISOR XXXX  ) STATED THAT HE DOESNT SEE IT AND I MUST BE READING MY REPORT WORN. I DEMAND THAT THIS ACCOUNT REFLECT CORRECTLY OR BE REMOVED. THIS IS AGAINST THE LAW TO INTENTIONAL REPORT INACCURATELY. I AM TRYING TO PURCHASE A HOME AND THIS MAKES MY REPORT LOOK AS IF I WAS LATE FOUR MONTHS AGO.