23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and the XXXX Breach that leaked my information has effected me in a really negative way Fraudulent credit has been applied for. I have made a police report and i also contacted the credit company 's XXXX Experian and XXXX i have provided prof along with police reports and FTC report and even though i have tried to contact the company 's to see how they just give some one credit under my name with verifying ID or SS and the Police has also investigated when i call the credit company 's to remove the fraud off my credit they come back with " Verify '' witch at first making me happy thinking this nightmare is over!! I figured they stated that they did a investigation but then they say its Verified!!!?? what?? when i call the credit copays they have proof that it was me but have not yet provided me with proof and the also have not provided proof to the police making me think they investigated but they wont help me or the police with removing the fraudulent accts in my credit or giving me a copy of the investigation the person that did this to me and they wont give the information to the police.. I need help removing fraudulent things on my credit or i need the credit company 's to release the investigation information that they have when they investigated the company 's that proof that the fraudulent record belongs to me this way i can provided to the XXXX XXXX police department. 
I need the following information removed from my credit report 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 Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all this information from my credit report i have the FTC report and the police report I believe the credit company 's might know who did this and have allot more valuable information that for what ever reason they have not shared with me or the police due to they XXXX XXXX investigated and the information was verified!! I have proof that the credit company 's send me that they stated that they did Per their words " A Investigation the information my my credit report is verified '' Please help me with this mater at this point every time i call the credit company they hang up on me or say they will investigate
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

XXXX : XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TRANSUNION : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

They have my name listed incorrectly on my credit report as a XXXX suffix. I have sent copies of my driver 's license and social security card via USPS on several occasions, with the last one by certified mail : ( Tracking number : XXXX ) Still no change.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital 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 to be removed/updated. 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. 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!
Product: Checking or savings account

I have checked my account again with BBVA and they show charging me a {$38.00} NSF fee for a check that they have as " paid item check '' when if fact the check DID clear. There was enough money to cover it - according to what I see on MY online banking. I do not understand how they continue to get away with this. I doubt I am the only customer having this issue with them. If I see a balance of {$380.00} and THEY clear a check for {$350.00} - I STILL have a balance of {$39.00} then how in the XXXX can they continue to charge me a {$38.00} NSF for that check - they say did not clear but it obviously did!!! What is going on? How unethical do you have to prove a bank is before someone steps up and does something? Like XXXX XXXX ....?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the Bank of America in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my BOA checking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine credit score and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.
Product: Debt collection

Company XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC XXXX is trying to collect a debt that is not mine. False credit card from a XXXX XXXX XXXX that i never had and they are trying to collect {$720.00} on my Trans Union credit report only. I have sent validation letters to these people without any response back. They have had 2 validation letters sent out in the past 3 months with no response and they are still reporting erroneously on my Trans Union. Trans Union fails to verify properly and ignores the fact that i am concerned about this false account. I am reporting this complaint on XXXX as well as Trans Union for  not verifying this unknown debt. This is why i have a fraud alert on my credit report due to fraudulent debt collections such as stated above and credit bureaus not doing the proper verification, instead the credit bureaus use a computer ( e-oscar ) to verify and that it not appropriate for fraudulent debt collectors! Please remove Trans Union this is already in violation to the FDRA and XXXX is in violation of the FDCA
Product: Mortgage

XX/XX/XXXX CFPB : TARP Fund Recipient Bank of America gave up to {$60000.00} in enhanced relocation assistance to others, but gave me NOTHING! I demand that Bank of America give me {$150000.00} in enhanced relocation assistance, including interest, from their EVICTING me XX/XX/XXXX, stealing the personal property of XXXX Generations of my family, XXXX. 
XXXX, XXXX, a XXXX XXXX XXXX XXXX. My parents built XXXX XXXX XXXX, XXXX, IL. 
XXXX XXXX Real Estate Section reported Bank of America giving up to {$60000.00} in enhanced relocation assistance to others. Bank of America did not dispute that. On one Website Bank of America states : " That 's why Bank of America is excited to offer enhanced relocation assistance. Qualified homeowners who initiate a Preapproved Price short sale ( without an offer ) could be eligible to receive {$5000.00} - $ XXXX in relocation assistance and owe no more on their mortgage with the sale of their property, depending on the investor involved. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned
Product: Credit reporting or other personal consumer reports

I WANT TO DISPUTE ABOUT XXXX DIFFERENT ACCOUNT AND XXXX INQUIRIES THAT AFFECTING MY ACCOUNT AND CREDIT REPORT AS A XXXX XXXX XXXX  ; CAR LATE PAYMENT CAUSE I WAS IN XXXXXXXX XXXX XXXX XXXX XXXX XXXX I AM DIVORCED TO MY EX WIFE SHE THE OWNER XXXX XXXX ; XXXX WIFE ACCOUNT NOT MINE. 


I WOULD LIKE YOU TO REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT
Product: Debt collection

I am reaching out to you ( XXXX  ) again for two reasons. One, I was never able to resolve the overbilling from the company ( XXXX ) in the complaint. Two they referred me to a collection agency without properly disputing my claim.

I used their services one time in an emergency due to my pets being ill. I have no history with this vet, have never shopped with this vet nor used this vet before. 

I disputed the bill with the agency, asking them to prove that I owed them, but I received no response, I sent a letter to the home office and did not receive a response. In XXXX I noticed my card had a charge on it from XXXX local store for some routine services ( I called the customer service line and explained I did not need nor want the services, I was not a regular customer there nor lived near their store, and the rep refunded my money and said thank you. The rep. said I would no longer be charged for any other services. Customer service then reversed the charges as you can see from their statement, that was just provided to I.C. Systems. 

I explained that at the time of service, I paid over {$700.00} for the treatment and testing of my 2 dogs who were ill and the use of their services ONLY because they saw dogs on the same day. 

Why would they bill me an additional {$1000.00} for services not rendered, not asked for, not agreed to use, and not at my regular vet? History will show that I visited the location ONE TIME AND ONE TIME ONLY. I have asked for my receipt for proof of purchase, and they will not provide it either from the home office. 

The agency ( I.C. System, Inc. ) requested proof from XXXX, and XXXX forwarded over a printout for monthly payments of {$48.00}. total {$1000.00}, ok this does not mean anything, again that same printout shows that I stopped those payments on my credit card for services I was not using. The printout they submitted shows I was even charged a membership fee of {$49.00} + {$64.00} total of {$110.00}. Technically, XXXX owes me {$110.00} for services I have not used. 

Furthermore, I did a little more digging and created an account ( today ) on their website and went to my bills for my pets and it does not even show bills due or paid for the last 12 months. I am also attaching screenshots of that. 


Please file this claim on my behalf. I am including the latest information I received today.
Product: Credit reporting or other personal consumer reports

In according to federal law act this company XXXX XXXX has violated my rigths under According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my credit report that I did not authorize. I have attached my driver 's license and my identity theft affidavit to this complaint. The following inquiries that need to be removed are below : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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: Credit reporting, credit repair services, or other personal consumer reports

I have 5 inquiries on my credit report that I m not familiar with, From 1. XXXX  2. XXXX XXXX 3 XXXX 4. XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

What happened : 1. Improper Repossession : DriveTimeXXXX XXXX XXXX follow the legal requirements for repossession. I did not receive proper notice of my right to cure the default before the vehicle was repossessed. Additionally, after repossession, I did not receive notification regarding the sale of the vehicle, including any opportunity for me to redeem the vehicle or reclaim it, as required by law. There is also no evidence that the sale was conducted in a commercially reasonable manner. 
2. Inaccurate Credit Reporting : DriveTimeXXXX has XXXXontinued to inaccurately report the repossession on my credit report. This is a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit information to be reported with maximum accuracy. The details regarding the repossession and any balances are incorrect, and I believe DriveTimeXXXX is reporting these without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st off- the college was involved in legal issues regarding the school accreditation. Several students were invoked to litagation with the school regarding this matter. The credits offered by XXXX College were not up to code with the state board examination. Therefore students werent allowed to take finals and receive their degree. I left the school during the legal lawsuits. 

Also- my account was given forbarance and income driven repayment of {$0.00} a month payments therefore my account was NEVER late or behind. XXXX XXXX XXXX has fraudulently reported late payments to my account.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Credit card was opened up using my name with Bank of America card was being sent to a address in Georgia
Product: Credit reporting or other personal consumer reports

I did not consent, nor benefit from, or authorize any of the following being reported to Account : XXXX XXXX XXXX account ( # ) XXXX - report furnished by XXXX XXXX XXXX. 

Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.

The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition the IRS Clearly says a Cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate 15 U.S. Code 1681s2 Says you XXXX XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to cease and desist the reporting of incorrect/ inaccurate information immediately. 
15 U.S. Code 1681s2 ( a ) ( 1 ) ( A )
Product: Mortgage

I inquired about pricing on a home equity loan from the company " Figure '' ( NMLS XXXX ) on XX/XX/2018. They collected information regarding my income and property address. Their online portal notes that " checking your rate will not impact your credit score. '' I assumed that I was providing information to receive an estimation of pricing - ( rates between x and y %  ). I later received an adverse action notice saying my credit application had been declined as they could not verify my credit history - I don't believe they completed a loan application, so I don't understand how I can be denied a loan that I hadn't actually applied for yet. I believe this was unfair and deceptive. Upon contacting the company they claimed that by requesting to check my rate I was making an application.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; Account : XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with XXXX XXXX XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect balance. 

It is listed as a closed, charge off account on Equifax and XXXX  as of XX/XX/XXXX. 

The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. 
I challenge the accuracy, compliance and reportability of this listing. 
They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act. 

The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX and Equifax reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim These accounts are not mine XXXX XXXX  balance {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX balance {$620.00} acc number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till 2024 Never paid late DEPT OF EDXXXX {$37000.00} this account is in deferment till XXXX never paid late