23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

BANK OF AMERICA XXXX - The balance on this account should be reporting as ZERO! On my credit file, they are reporting inaccurate information regards to this account. I 've attached proof of the Cancellation of Debt as well as my tax filing paperwork. I 've sent demand letters to Bank of America and have yet to receive any response. This error is preventing me from getting the credit I deserve. Correct the error immediately or delete this account off my credit file!!
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXXXXXX* 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 an account without my written instructions.
Product: Debt collection

Account Name : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : TD BANK N.A. 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Student loan

I currently have 4 student loans with the New Jersey Higher Education Student Assistance Authority. My monthly bill is due on the XXXX of each month. I have made my monthly payment on each loan consistently since I began repayment of this loan in XXXX. I have not missed a payment. Due to a change in expenses, I was able to make an additional payment of {$400.00} on XX/XX/XXXX. I then paid my bill that was due on XX/XX/XXXX on XX/XX/XXXX. I noticed that the interest that accumulated between my XX/XX/XXXX bill and my XX/XX/XXXX bill increased, even though I made two payments within that time period. In fact, the amount of interest that accumulated was even more than when I make 1 single payment between each bill cycle. In general, my interest fluctuates each month, which is strange, because my interest rates are fixed. I called customer service on XX/XX/XXXX to inquire about two items : 1 ) the continuing fluctuation in interest charged per month even though my interest rates are fixed and 2 ) an explanation behind why the interest that accumulated between my XX/XX/XXXX bill cycle and my XX/XX/XXXX bill cycle was higher than any other bill cycle, even though I made an additional payment of {$400.00}. The customer service representative admitted that she did not understand why my loan payments were calculated the way they are and why so much interest had accumulated between the XX/XX/XXXX bill cycle and the XX/XX/XXXX bill cycle. She explained that " no one really understands '' how the bills are calculated in that department and could only offer that I refinance my loans. I explained that I understand I can refinance, but I still would like an explanation on my questions. She continued to urge me to refinance until I asked to speak with a supervisor for further assistance while I explore the refinancing option. She took down my information and said her supervisor will have to call me back since they are mostly remote due to the COVID pandemic. I understood and explained I will be waiting for a call. It is now XX/XX/XXXX and no one from HESAA has contacted me to address my questions. I believe my payments are not being handled properly and the agency has admittedly explained that they are unable to answer my questions about how my payments are being applied. I would like an audit on my account and an explanation on how my payments are being handled.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I request my credit profile be updated and removal of the jet blue barclay credit card inquiry that was fraudulently opened on my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, and I am seeking your immediate assistance in blocking the account associated with the fraudulent activity. I have attached documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report, to support my claim. In light of the identity theft incident and to prevent further unauthorized access and potential financial loss, I kindly request that you take immediate action to block the account in question. Blocking the account will restrict any further activity or transactions associated with it, ensuring the protection of my personal information and financial well-being. I understand the importance of prompt action in cases of identity theft and the potential consequences if immediate measures are not taken. I trust that your expertise in handling such matters will enable a swift resolution to this issue. Please confirm receipt of this request and provide me with any additional steps or procedures that I need to follow to ensure the account is promptly blocked. I am available to provide any further information or documentation required to support the investigation and resolution of this matter. Thank you for your prompt attention to this urgent matter. I appreciate your cooperation and assistance in safeguarding my financial interests.
Product: Credit card or prepaid card

I'm currently not using this card because of the ridiculous high interest fees and they still charge me XXXX for maintenance fees even though is a XXXX balance under consumer law this is very illegal I find myself conflicted because I don't feel protected as a citizen and a taxpayer how is it that you let these companies get away with this instead of protecting the American people... on top to get a credit increase they want to charge and that's ok to do?
Product: Debt collection

There is a collection on my credit that is not mines the account was opened XX/XX/2022 I have never had there service
Product: Credit reporting, credit repair services, or other personal consumer reports

Freezing my credit report should be easier, and free The current situation is absurd
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim I owe {$870.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting

The reason why I am disputing this matter is because there is inaccurate information on my credit report. The information that is inaccurate is a late payment against me from Kohl 's department store. I contacted Kohl 's department stores regarding this matter and they agreed and removed the late payment on my charge card, unfortunately it was not removed on my credit report. I contacted XXXX and it has been 30 days and the dispute is still open and unresolved. This matter is affecting me because I am in the process of buying a house and the bank needs to see a resolution on this matter or I will be denied a mortgage. Please look into this matter and contact me if needed.
Product: Debt collection

I am writing to formally dispute the validity of a collection account appearing on my credit report.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting detailed validation of the debt in question.

Account Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Account Number ] Amount : [ Debt Amount ] I am exercising my rights under the FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address.

2. Documentation evidencing that the collection agency has legal authority to collect this debt.

3. A complete accounting of the alleged debt, including all charges, fees, and interest applied.

I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency.

Furthermore, please provide verification that the statute of limitations on this debt has not expired.

I understand that, under 15 U.S.C. 1692g, you are required to provide me with the requested information within 30 days of receiving this dispute. 
Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

COMENITY BANK/LNBRYANT XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini on XX/XX/XXXX and deposited {$500.00}. I have uploaded my personal documents for verification, which on their website is indicated to take 5-7 days. As of now ( XX/XX/XXXX ), the status is still " pending verification '' and I am unable to withdraw my money. 

I have contacted the company multiple times in the past 2 weeks and received no reply. I have ultimately requested that they close the account and return my money and still received no reply. I am suspicious that this is a scam for the company to take away the money that I have deposited.
Product: Credit card

I had done business with a company earlier in the year and the company charged me at a later time for items we had discussed but never authorized to charge. Credit card company ( Discover ) says that if at any point you did transactions with the company that it can not be considered fraud because you have given a company your credit card info prior for prior transactions.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed or omitted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT RECONIZE ANY OF ALL THIS INQUIERIES 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 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  Type of Business Finance Companies - non specific Automotive Automobile Dealers, New Automobile Dealers, Used Finance, personal Auto Financing Auto Financing Auto Financing Companies Auto Financing Companies Finance , personal Finance , personal Banks and S & Ls Finance other than personal Finance, personal Automotive Finance , personal Auto Financing Auto Financing Auto Financing Auto Financing Automobile Dealers , New Auto Financing Auto Financing Auto Financing Auto Financing Auto Financina Companies XXXX - non specific Automobile Dealers , New Auto rinancina companies Automotive Automobile Dealers. New Auto Financing Auto Financing Companies Auto rinancine companies Finance Companies - non specific a comorive Auto Financina Automobile Dealers, New Automobile Dealers, New Auto rinancing companies Finance Companies - non specific Finance, personal auromorive Finance, personal Auto Financing Automobile Dealers, New Auto Financing Auto rinancing Auto Financing Auto Financing Auto Financina Companies Auto Financing Companies Auto Financing Companies Automobile Dealers. Used Auto Financina Companios 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 Auto Financing Auto Financing Auto Financing Companies Auto Financing Companies Auto Financing Companies Automobile Dealers, Used Auto Financing Companies Finance, personal Auto Financing Auto Financing Auto Financing Auto Financing Companies Finance Companies - non specific Auto Financing Companies Automotive Automobile Dealers, New Automobile Dealers, Used Miscellaneous Banks and S & Ls Bank Credit Cards Bank Credit Cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to the Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : 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 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

XXXX XXXX XXXX is still showing on my XXXX and EXPERIAN credit reports as a factoring company. To characterize my collection account as a factored account or to characterize XXXX XXXX XXXX as a factoring company is false representation. By claiming to be a factoring company, they are alleging that they purchased the debt when it was not in default, meaning they were an innocent purchaser. Factoring companies purchase receivables, not debt, and the bulk of the accounts are commercial, not consumer. 

For XXXX XXXX XXXX to state that it is a factoring company violates : 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. XXXX XXXX XXXX are not innocent purchasers and not holders. 

1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The operand in this sentence is Any false statement. Any misleading statement. Any misrepresentation. A contradiction is inherently false or misleading and/or a misrepresentation. 

1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. XXXX XXXX XXXX knows or should know that it is not an innocent purchaser and that it is not a holder. 

1692e ( 6 ) ( A ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to lose any claim or defense to payment of the debt. XXXX XXXX XXXX currently has a class action against them because in their affidavits attached to the complaint they claimed to be a " holder in due course. '' They are neither a " holder in due course '' ( abolished by US Congress in 1979 ) nor are they a " holder '' under state laws. They misrepresented the rights and remedies of the consumer and misled the judge as to the true nature of their relationship with the consumer. A judge, believing that the debt collector is a holder, would accept the affidavit as prima facie evidence of indebtedness, rather than what it truly is : Hearsay.

1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. A non-holder can not legally sue as a holder.

1692e ( 2 ) ( A ) The false representation of the character any debt. The debt has been characterized as one that was not in default at the time of purchase.

1692e ( 2 ) ( A ) The false representation of the legal status of any debt. Reporting as a factoring company confers the legal stauts of holder upon the furnisher.

16922f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The use of factoring company is unfair as it deprives the consumer of rights, remedies and defenses and provides a false impression to current and potential lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting for the account XXXX XXXX with a closed date of XX/XX/2019 and an open date of XX/XX/2019. Closed date and open date can not be the same date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; DEPTEDNELNET XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXXXXXX XXXXXXXX XXXX : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  XXXX, account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with XXXX, XXXX, and Equifax and still received no results. They keep passing this account on leaving it open.