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

I tried 5 times on XX/XX/XXXX to deposit money into XXXX  XXXX  app the app kept saying failed transaction.i checked my bank account online and my statement showed my checking account was in the negative and money was taken from my savings account. So I called Td bank and they confirmed that XXXX XXXX took XXXX dollars from my bank account. I said I don't have overdraft .TD bank said they provide overdraft one time for every customer. So I tried to contact XXXX XXXX who closed my account and won't provide me with a transaction report for XX/XX/XXXX. So I called the bank back and disputed the transaction. A day later I checked my transaction report and everything is missing off my bank statement. When I noticed my account in the negative I immediately transferred XXXX from my savings to my checking account. Also now you can't see the money even coming out of my account .TD bank is now telling me my account was never in the negative. Someone changed my bank statement.so after this XXXX XXXX tried to send me back XXXX and the back sent it back to them because I filed a dispute. Now XXXX  transfers money from the bank to XXXX XXXX they are saying they funded my XXXX XXXX account and I owe them XXXX. Nothing was ever put in my XXXX  account and they even tried to send it back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Requested tax lien be removed from my report again. Have tried previously years ago.
XX/XX/XXXX - Trans union simply replied 'Information updated '.
This is not a consumer credit transaction which was taken care of long ago with the IRS.
Product: Credit reporting or other personal consumer reports

TransUnion LLC Subject : Request for Immediate Removal of Fraudulent Accounts- [ XXXX ] [ XXXX ] I am writing to formally request the immediate removal of fraudulent accounts from my credit report. The accounts in question is with XXXX XXXX XXXX XXXX, bearing the account numbers- [ XXXX ] [ XXXX ]. I have included a Federal Trade Commission ( FTC ) Identity Theft Report that documents the fraud. 

Pursuant to the Gramm-Leach-Bliley Act and 15 USC 6802, it is your obligation to ensure the privacy and accuracy of my personal financial information. Maintaining this fraudulent account on my credit report is a clear violation of these statutes and causes undue harm to my credit standing. 

( MY FTC REPORT NUMBER IS XXXX ) Please confirm in writing that this account has been removed and provide me with an updated copy of my credit report. If this matter is not resolved promptly, I will have no choice but to escalate this issue further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letterb to all three credit bureaus and the XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, Texas XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX, Michigan XXXX Please update my name to : XXXX XXXX XXXX only, I was a victim of identity theft with other names My only social security number us XXXX My only and correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX XXXX  XXXX  I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U. S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, Name : Ms. XXXX XXXX XXXX XXXX Driver License, SSN Card Proof of Residence
Product: Mortgage

In XXXX XXXX my wife and I applied through the Michigan Hardest Hit for assistance with our mortgage due to a reduction in income and layoffs and XXXX XXXX the Michigan Step Forward program approved us for a pay down off {$24000.00} on our principle mortgage balance. At the same time we applied with Select Portfolio Services our mortgage company to refinance the balance of our mortgage to reduce the rate and payment. We sent all our current tax returns, paystubs, bank statements, paid property taxes, proof of insurance and a written letter from my wife 's employer and was told bu Select Portfolio they would not accept the pay stubs and letter because they were hand written, we were also told that they would not accept my wife 's XXXX as verification of employment. My wife has worked for the same company for over 6 years and has kept her stubs until she receives her XXXX and we file our taxes. All we want to do is refinance our mortgage to lower the rate and payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm filling a complaint because I have an American express account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called American express and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by XXXX has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.
Product: Debt collection

I have sent them certified mail to cease & desist calling my cell phone any longer. I ask them to demonstrate the entire chain of title of the said stated acct. with XXXX XXXX  aka XXXX XXXX. I ask them to provide & produce all account statements that prove the acct balance in question to be correct or provide the actual amount they paid for the XXXX XXXX acct. from XXXX XXXX. I was not notify by Portfolio Recovery Associates that they bought this account. Instead XXXX XXXX  notify me by a letter sent snail mail dated as of XX/XX/XXXX.  I now dispute the debt & sell. I could have used a debt management company to resolve the matter with XXXX XXXX. They used under handed means to get me to default on the account in the first place by lowering my XXXX XXXX line of Credit from {$2000.00} to {$1400.00} without any written notice. I got the necessary documents to prove it. I'm under some economic hardship due to a part time job and a divorce earlier in the year.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I disputed old information that should have already been removed AND recently changed student loan information that also should be removed. The information did not change even though I provided documentation to show it should be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation to Collection Agency, XXXX XXXX, as my right under the FCRA and they responded to me on XX/XX/17 a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XX/XX/17 and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ). A letter was sent to XXXX on XX/XX/17 explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by XXXX on XX/XX/17. I just received an email from XXXX today, XX/XX/17, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to XXXX on XX/XX/17 requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.
Product: Money transfer, virtual currency, or money service

My phone was stolen on XX/XX/year> I immediately contacted Cash app in my bank and also I made a police report cash app said that I didnt report it sign at first so they didnt wan na give me my money back now theyre stating that I had a security feature lock on my Cash app, which is not true. I dont have any passcodes or opinions to anything on my phone. If I did have anything regarding the fact, I keep my passcodes and pins in the notes of my phone. I dont have a passcode to unlock the phone. I just want cash out to address that it was fraud on the account and to release my funds or give me something stating it was fraud on the account so I can show my bank so they can release the funds to me. I did everything that was supposed to do cash. I had multiple reasons why they couldnt report that it was fraud on my account or release my funds back to me or let them my bank know that it was fraud on the account. I just want my funds back to me.
Product: Credit reporting or other personal consumer reports

There was a late payment reported in my account when its false please update it please remove the late payment from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX ). <P/>The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX, GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX
Product: Checking or savings account

Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/XXXX. Bank failed to issue provisional credit in the amount of {$99.00} for goods not received in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/XXXX that I have not received any credit, nor any documents from them requesting any additional information on the dispute
Product: Credit reporting

I am a homeless veteran who finally has a chance to buy a home and since XX/XX/2016 we have been establishing credit card payments, with major card carriers to help establish credit. The XXXX bureaus have NEVER reported any positive credit, now since rates went up it will cost us XXXX of {$1000.00} in interest payments or home ownership altogether. It has also come to my attention that they do this practice mainly on middle to lower income American 's to force higher interest rates.
Product: Debt collection

I was denied credit so I pulled a credit report. I found that the company ERC placed an account on my credit report that I have no knowledge of nor was I notified before it went into collections. This is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX  - XXXX Account # 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: Debt collection

Rent Recovery has continued to report this debt as open and owed. This was included in a bankruptcy that was discharged XX/XX/2015. This company refuses to close and stop reporting. The RR rep at one point said it would only be removed if it was paid even though it was discharged!
Product: Credit reporting or other personal consumer reports

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. account XXXX ) XXXX XXXX XXXX CALIFORNIA Docket Number # XXXX XXXX ) XXXX XXXX XXXX CALIFORNIA Docket Number # XXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B. I have not supplied proof under the doctrine of estoppel by silence, Engelhadrt V. Graves ( MO ) 281 SW 715.719 I presume that no proof of alleged debt, Nor therefore any such Debt, In fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my Comsumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814
Product: Vehicle loan or lease

Exeter Finance fraudulently increased my account balance with the credit bureaus without my knowledge three ( 3 ) times in 2 weeks causing a morbid drop in my credit score all while having good payment history and paying as agreed to my contract. When I disputed the charges, Exeter retaliated by increasing my account balance {$200.00} with credit bureaus causing a 105-point drop in my credit score ruining my purchase power. I was never made aware of the {$200.00}. Exeter does not keep accurate records and submits fraudulent information to credit agencies. Exeter Finance has violated their signed agreement as well as the Fair Credit Reporting act.
Product: Debt collection

Trying to fix my credit history I stumbled upon M Leonard and Associates on my credit history for {$360.00}. I contacted them today XX/XX/XXXX regarding the debt collection I had no idea about, asking for more information about the debt. They told me all they could tell me is that its from XXXX XXXX XXXX and that it was for services rendered XXXX and XXXX of XXXX. I got off the phone with them and proceeded to call XXXX XXXX group. They let me know that I do not owe them any money according to their numerous records kept, and that I should contact M Leonard and Associates again and ask for the specific Dr/Clinic Requesting the debt collection. I called them back and they proceeded to tell me they couldnt give me any further information and that XXXX XXXX XXXX uses XXXX  for their customers to look up all of their Dr visits. I called XXXX they helped me make an account and i was able to see that there was no visits on XXXX or XXXX of XXXX for me or my dependant. M Leonard and associates is breaking the law reporting this debt not owe and not providing me with any information to justify it being on my credit history,
Product: Credit card

I was alerted that someone applied for a Spirit Airlines card in my name. I have my credit locked down, but called B of A the credit card servicer to make them aware that I did not apply for this card. That it was a fraudulent application. About 2 weeks later, I received another text from BOFA requesting that I release my credit so they can approve the application. I again called back and was told that it has already been cancelled. I asked why then am I getting reports that someone is requesting my credit. Well they informed me that in fact only one application has been submitted. The one that I called to report fraud on. However, they are still asking me to complete the request, when I told them its it fraud. Today, I received a letter in the mail from Free Spirit World Elite MasterCard, serviced by Bank of America. Again the request was to allow my credit release so they can complete the application. This is harassment and causes undue stress and worry that someone is trying to steal my identity. When in fact, they are just trying to get me to take their card. I AM NOT NOW OR IN THE FUTURE, wanting a card from BOFA and would like the harassment to stop!
Product: Credit reporting or other personal consumer reports

Bank XXXX XXXX appears on my credit score. I do not have a XXXX XXXX XXXX card and I have never applied for one. 
Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$460.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$25.00} Credit limit {$5000.00} Highest balance {$1000.00} Hard Inquiry : XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Record details Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attach FTC report. This have cause me a hardship and your data breach had made my life XXXX. Please remove the unauthorized name, address, and inquires from my credit report immediately According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021 to equifax in regards to inaccurate accounts with XXXX XXXX XXXX and the bureaus i have no business with these companies and have no idea how they even have any of my personal information. These accounts is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). Equifax is conspiring with these companies to defraud me .If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.
Product: Debt collection

so on or about late XXXX a rep from " absolute resolutions '' called and at the time with a XXXX newborn my day is stressed so he begins to tell me " how do you want to pay '' so i told him I dont know what he is talking about and that I won't be paying him and to cease and that I dispute what he was claiming. he then seemed to get snarky so I told him to sue me if he really believes I owe him a debt he then told me to " haha be careful what you wish for '' and then hung up which i called back and got him again and issued him a cease a desist over the phone and he calmly agreed, now i am looking for a car for me my wife and baby and i am denied due to this collection account reporting from Absolute resolution Account number starting in XXXX XXXX, open XX/XX/year>, With the collection amount of {$12000.00} past due as of XX/XX/year>. 

I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed.