23daVinci/CFPB_Complaints huggingface dataset:
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 deleted : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX  Balance : {$720.00} XXXX XXXX XXXX ( Original creditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}
Product: Student loan

Navient has called and left a voicemail on a previous employers mailbox. Not only is this a violation of my rights, a disruption to their business but I have also asked that they no longer contact me via phone but only to contact me via USPS. This is the second time it has happened and I do not believe my previous employer appreciates the calls.
Product: Credit card or prepaid card

In XX/XX/XXXX of 2019 The Bank put a decline on my account. This was an late payment issue and the bank recognized this on their end because they closed the account then kept it closed when I disputed the issue with a clerk over the phone. They sent me a letter saying their willing to reopen the account but it never removed inquiry revolving in the same issue. It just popped up in the two other bureaus and has greatly lowered my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to process my dispute request. I have been blocked from filing an online dispute due to the account being closed by Equifax without my approval. The account was closed with inaccurate information and needs to be corrected. I also requested that my Consumer Statement be updated and have not received any update to my request. I contacted customer service by phone on XXXX, XX/XX/2022 to request an update and was told that my new Consumer Statement was updated and I needed to wait 72 hours and it would be available. I checked back on Sunday XX/XX/XXXX and my account has no updates. I also mailed my dispute to Equifax on XX/XX/XXXX making my request in writing to correct the inaccurate information on my XXXX  XXXX Account and My Consumer Statement. Equifax has not made any changes to my account as of the date of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about credit bureaus doing disputes and calling company and saying dispute has been dealt with no investigation has been done except calling the company who has put incorrect information on your credit report. The credit bureaus are not investigating disputes. They just take the word of the company giving the information. any one can claim to be a company and put false information on your report. with all the identity theft going on people can put false information on your credit report without justification. Then it gets disputed and the bureau calls the person puting the information on the report and say it has been investigated. it the mean time your credits being improperly reported. you only remedy is hire and attorney yes your credit is ruin and you can not afford an attorney. Now what happens i have been complaining and trying to solve problem with individual bureaus but they have no avenue to file a complaint. they are not responsible for insuring the information submitted is correct. My credit has taken a hit due to federal government extended time to show me XXXX and pay me as such. Took one year for social security which was quick and two years for the postal service to pay you what you deserve and since it is the federal government they are not obligated to pay interest on that money. I am still waiting on VA to pay my claim from XXXX of 2016
Product: Debt collection

I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist LVNV Funding LLC
Product: Credit card or prepaid card

Bank of America closed our two BofA credit cards without notice on or about XX/XX/XXXX. 

My husband and I have been Bank of America customers since XX/XX/XXXX - going on 36 years. The credit cards that they closed were opened in XX/XX/XXXX and XX/XX/XXXX, so the credit card accounts were 35 and 30 years old,  respectively. Both of our credit scores are in the 830s out of an XXXX scale. But closing out {$25000.00} of total credit on two 30+ year-old accounts will eventually have a significantly negative effect on our credit profile. 

BofA claims the reason the credit cards were closed is that I did not respond with information requested in a letter they claim they sent us. We have no recollection of receiving a letter. BofA also froze our checking account over this same issue. 

Once this freeze was discovered, I immediately called in on XX/XX/XXXX and answered four questions over the phone, and the checking account was immediately unfrozen. Below is the information they asked for over the phone, which is pretty basic and which was already available to them, but which they claim led to the credit card accounts being closed : * SSN * Address * Date of birth * Are you a US citizen ( yes ) That's it. No other information was needed to unfreeze the checking account. But the credit cards remain closed and BofA refuses to reopen them, with their stated reason being we did not timely respond to the information requested. They claim they can not reopen a credit card account once it is closed. Incredible. 

This is not how Bank of America should be treating long-time customers in good standing.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is reporting for a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. They have sent this delinquent account to RS Clark and Associates for collection and XXXX  is reporting RS Clark and Associates as a collection on my Credit Report. I have deputed twice with XXXX  and both times they have responded with results that the collection on my Credit Report is accurate. I have spoken with RS Clark and Associates and Mrs. XXXX has stated they are not reporting on my credit that this is a Credit Bureau issue that they are reporting incorrectly and that this could be a result of possibly because I have stayed in the same apartments before.
Product: Checking or savings account

I received a mailer attached a extra {$50.00} into my account in XX/XX/2019. I have yet to receive this. I completed direct deposit requirement and still has not been paid.
Product: Mortgage

On about XX/XX/XXXX I receive documents from XXXX XXXX. It was a total of ( XXXX ) pages out of those pages ( XXXX ) was repetitive junk pages!!!. The XXXX pages that was left was the Payment History for year XXXX thru XXXX. I don't know why they chose those years specifically. XX/XX/XXXX XXXX XXXX XXXX for ( - {$10000.00} ) was subtracted from this Loan. This transaction was posted for XX/XX/XXXX. The Misapplication Reversal - {$1400.00} date XX/XX/XXXX, posted XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX for ( {$10000.00} ) was added back to the Account. There was ( XXXX ) transaction took place in XXXX. There was ( XXXX ) transaction in XXXX. Misapplication Reversal ( {$7000.00} ) Hazard Insurance ( - {$2600.00} ). In XXXX Misapplication Reversal ( - {$5900.00} ) Hazard Insuranc ( - {$4400.00} ) Misapplication XXXX Reversal ( - {$1000.00} ) Hazard Insurance ( - {$1800.00} ) Hazard Insurance XXXX ( - {$1800.00} ) This is only a small picture as to what my Payment History looks like. XXXX -- -- ( XXXX ) Transaction took place, XXXX -- - ( XXXX ) Transaction, XXXX -- ( XXXX ) Transaction, XXXX -- -- ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transactions???????? Why so many Transaction took place on a long that was refinance in XXXX!!! Why do this Loan have 5 different Loan no. and 4 different FHA no. If anyone think this is a Duplicate question is because I never receive a ANSWER!!!!
Product: Payday loan, title loan, or personal loan

XXXX, the rep who continuously calls and leaves multiple messages a day on my cell, work, and references phones is completely harassing me. Ive mentioned to him before Im unable to communicate during working hours and that I am also attempting to readjust due to other financial issues from mid last year. Personal information about my business with this company was given out to one of my references discussing my loan information that I did not advise was ok between representatives with this company which is a direct violation of my rights and as I understand it, gives me legal rights to pursue legal litigation due to this violation concerning disclosing my private information of the contract between this company and I. Due to the extraordinarily frequent contact, I have been professionally reprimanded on several occasions for the constant calling and messages. Furthermore, several friends and family members have advised they have asked for them to cease contacting them but theyve refused to do so. I also asked him on our last conversation not to call my employer due to this but yet he continues to call my extension almost daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collections balance with amerassist I made a payment plan with them and started paying in XXXX. After I started paying they never reported that I started paying instead they reported that my balance increased while I was paying so I kept disputing it because I know im paying I was giving them XXXX every two weeks and for them to report I didnt pay is unbelievable money doesnt grow on trees! I ket calling them and they gave me the run around they did this on purpose because everyother person I owed reported all my payments. By them doing this my score went down XXXX while im paying them off I was so upset no other company did this to me and even after I disputed it after I paid it off they said the information is still accurate but somehow they removed it from my report. I know that company did it on purpose I never went thru this with anyone I paid off this isnt right I STARTED PAYING IN XXXX AND IN XXXX THEY REPORT THE BALANCE INCREASED! How? If im paying because of this my score went down with this false information
Product: Money transfer, virtual currency, or money service

My friend on XXXX told me I can earn XXXX dollars if I send money to a person and I fell for it. He asked me 4 times to send him more and more money. I felt like he wanted more and more money and nothing was coming into my Zelle account. I finally gave up and tried to get my {$950.00} bank that I sent him. He stopped texting me and never gave me any money. Im worried about this so much, I really sent him {$950.00} so I could win {$10000.00} and he have stopped contacting me. Please help me get my money back from this stealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed my credit file with Transunion in reference to XXXX ( XXXX ) on XX/XX/19 and is showing incomplete/missing account number
Product: Credit card or prepaid card

When I reviewing my credit card statement I found transaction on XX/XX/XXXX for XXXX XXXX it was $ {$1200.00}. I did not made this transaction and my XXXX account is blocked before that date and I did not use it. 
I filed a fraud claim on XX/XX/XXXX to bank of america and they return the amount to my credit card account on XX/XX/XXXX. 
But on XX/XX/XXXX the charge me again XXXX I called bank of america again they told me that the items were shipped to my address but I did not receive any thing. He told me that I can active that claim again.I answered ( Yes please ) but the amount still in my statement. 
I received a letter from bank of america on XX/XX/XXXX that they were unable to assist and the decision has not changed. 

I did not made this transaction. 
As I know I should be not liable for this transaction. 
Thank you
Product: Credit card

I used a 3rd party vendor to purchase an airline ticket XXXX XXXX XXXX XXXX on XXXX XXXX. As soon as the confirmation came back I noticed they changed the travel date. They said the search criteria automatically switches to booking to get the cheaper price. This is certainly a bait and switch. I immediately called back and explained what happened They processed my refund. The email confirming listed {$120.00}, the credit card charge was {$94.00} and the refund confirmation was {$120.00} and I have confirmation of the refund via email but it never hit my card. They even agreed to credit me more than what I paid. I was required to stay on the phone with the representative until I received the email. I received the email and had to give the sales person the code in order to cancel the reservation. Which I did. I had verbal confirmation that it was canceled and an email. Next, I decided to call XXXX XXXX to re-book instead of using the third party. When I re-booked the flight directly with the airline ( 5 minutes later ), they confirmed that no reservation was in their system and that they had not received payment from the third party so I went ahead and booked the ticket. I received my credit card statement with both charges. I disputed the charge with my credit card company. i have called 13 times and sent in emails with my documentation. As of this date I have only received a letter saying the card was used " in person '' which is impossible. They implied that it was a swipe and it was not. The last representative told me the letter was automatically generated and was a mistake. I have called so many times and I just want my lousy credit. They are terrible and I have been a member for 30 years. They need to be reprimanded for not following their contract.
Product: Credit reporting or other personal consumer reports

I want to ensure that you only retain and report true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right, that this inaccurate information be removed immediately. 

I have recently moved, My CURRENT STREET ADDRESS is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, NV XXXX Please DELETE any reported personal identier information NOT EXACTLY displayed as XXXX XXXX of address located precisely at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX with an exact SSN ( or last four ) of XXXX born on XXXX. 

Please DELETE the following inaccurate EMPLOYERS. 
LUGGAGE FORWARD HELP CLOUD I'm sharing a copy of my ID, and SSN card to verify my identity. Im prepared to notify the Credit Financial Protection Bureau and the Federal Trade Commission if the inaccurate information is not removed after the investigation. No consent is identity theft! I trust that you will give this matter the attention it deserves and take steps to resolve the issues promptly. I appreciate your prompt attention to this matter and await your positive response within the legally mandated time frame of 30 days. Thank you for your cooperation. 

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

Experian REMOVED a POSITIVE item from my credit report ( PROOF OF HAVING PAID OFF MY U.S. DEPT.  OF EDUCATION STUDENT LOAN IN XX/XX/XXXX! ). They REFUSE to put that POSITIVE REPORT back on my Experian report, in spite of the fact that : a. ) it is NOT an adverse item, b. ) it is supposed to remain for TEN YEARS, and c. ) I did NOT ask for the item to be removed. This is an item that MAY INCREASE MY CREDIT SCORE!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been disputed on these dates : XXXX-19, XXXX-19,XXXX-19 for late pays after account closed, comments/remarks incorrect, never got a response for XXXX, Equifax , 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 # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/XXXX I was sent XXXX XXXXXXXX is XXXX and I haven't received my money yet.they don't speak or understand English.they also wouldn't try to figure out where my money was after they received documents saying my money was deposited into they company account.. they haven't tried to help me at all
Product: Debt collection

Designed Receivable Solutions continues to raise the collection on my account by {$1.00} each month to purposefully drop my credit score. They also continue to place harassing calls concerning this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under or open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the XXXX XXXX XXXX EQUIFAX to investigate accounts on my credit report that where inaccurate. when the investigate was completed i find that there investigation was one sided and went against the FCRA when they didn't get my side or anybody that was at the transaction. Which is a violations of federal LAWS. i send in a affidavit address these concerns to all the violations i found on XXXX
Product: Mortgage

My mortgage is being sold by Mortgage Service Center of HSBC to XXXX of XXXX. I looked for info about XXXX on the internet and found many complaints and negative articles including actions by the State of XXXX. I do not want to do business with this company ; however, my mortgage is at a good rate and I do not wish to refinance. What action can I take
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX This is the letter orginally sent to inform Equifax that I recently received a copy of my credit report and their company publishes and after reviewing it I found an item on the report that is inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By  publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I did not receive a response from Equifax although I did get a letter from XXXX XXXX stating that they will remove this account from my credit report, since this account has been deleted by XXXX XXXX so show the collection account listed under XXXX XXXX XXXX they are both the same account. Equifax is damaging my credit profile with this information which should of been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not trat a payment on a credit card account under an open end consumer credit plan as for any purpose.
Product: Debt collection

I have no debt and never had debt. Nonetheless, Portfolio Recovery Associates, LLC, keeps calling me everyday on my cell phone about somebody else 's debt. I do not know who this person is either, and telling them to take my phone off their robocalls has had no effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license and statements for your reference. For the record : XXXX. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY as they are not accurate! 
XXXX. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( XXXX ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.
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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 XXXX 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 CREDIT BUREAU 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