23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from All Trans Financial on XXXX/XXXX/2016 at XXXX XXXX from XXXX saying they were representing XXXX on a Financial Matter, This matter was listed under my bankruptcy and that bankruptcy was discharged in XXXX 2016.
Product: Credit card

A charge of {$770.00} was made on XX/XX/2023 to XXXX XXXX # XXXX and posted to my Bank of America credit card on XX/XX/2023. I did not make this charge and I have never been a XXXX XXXX before in my life. I was notified of this because Bank of America contacted me regarding other fraudulent charges that were being made. I disputed this charge but was denied because they said the charge was made in the store even though I was in possession of the card. As I said, I have never been to a XXXX XXXX and I didn't make this charge. I then re-disputed the charge and was denied again.
Product: Debt collection

According to the Fair Credit Reporting Act, debt collectors are required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Account : Portfolio Recovery
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Bureau XXXX XXXX XXXX XXXX Representative XXXX I am writing to formally file a complaint regarding inaccurate and harmful credit reporting practices that have negatively impacted my credit score for over XXXX years. These issues are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically the provisions outlined in 15 U.S. Code 1681b, 1681n, and 1681o. 

Summary of Issues Repetitive Deletion and Re-Addition of Debt : The same debt, which I have repeatedly disputed as unverified, continues to be removed from my credit report only to be reinserted without proper notification or validation. 

Unverified and Duplicated Debts : The debt in question has never been substantiated, and on multiple occasions, it has been duplicated on my credit report, further damaging my creditworthiness. This is a violation of the FCRAs accuracy requirements. 

Long-Term Negative Impact : These practices have caused significant harm to my credit score and financial standing for decades, impeding my ability to secure credit, loans, and other financial opportunities.

Relevant Legal Violations 15 U.S. Code 1681b : My report is being accessed and modified in ways that do not comply with permissible purposes or accurate reporting standards.

15 U.S. Code 1681n : The repeated inaccuracies suggest willful noncompliance with the FCRA.

15 U.S. Code 1681o : At the very least, these actions demonstrate negligent noncompliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 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.

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 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 reporting, credit repair services, or other personal consumer reports

Incorrect information showing on my credit report. Navy federal is showing 2 loans on my credit one {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my XXXX or XXXX  credit reports.
Product: Checking or savings account

XX/XX/XXXX I opened this Bank of America bank account in California {$300.00} deposit for account opening. 
XX/XX/XXXX I received a wire transfer of {$18000.00} XX/XX/XXXX BOA charges me {$15.00} for wire transfer fee XX/XX/XXXX Then i see my account shows Hold PENDING DEBIT/HOLD ON XX/XX/XXXX - {$880000.00} I don't know why this happensXXXX I ask customer servicecustomer service told me They need to wait 24-48 hours to know why. 
XX/XX/XXXX I contact customer service againXXXXShe transferred me to the so-called internal fraud departmentThen tell me that the phone number of this department can't be made public, only the transfer can be transferred. 
Internal fraud department asked me for account informationTell me they need to review {$18000.00} this wire transferthen, Until the end of the review, my account will be put on hold until XXXXThey will tell me the answer within this deadline. 
I ask why it takes so long? Do you need any information? I can provide. and i ask I can't wait so long, you can return this wire transfer? 
Customer service tell me all can't Bank of America seized my money unconditionallyDo n't give me any reason
Product: Debt collection

Portfolio continues to report a balance to my credit report ( see attached ) for a credit card debt that was settled in full in XXXX XXXX ; I have disputed this both with the credit reporting agencies and directly with Portfolio ( see attached ) with no response and no action to correct this violation of the Fair Credit Reporting Act ; further, per FTC Opinion Letter ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ), the reporting of this balance is a collection activity for an account which has been paid which is a violation of the Fair Debt Collection Practices Act and other federal laws.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX is continuing to report XXXX allege collections that they claim have been verified as belonging to me but they failed to provide any evidence to support their claims. I have repeatedly asked with whom they spoke with or provide the documentation so that I may contact this person or follow up with them about the documentation because I have received no notices for me to dispute this information. Furthermore these collections are illegal as I have no contractual obligation to these companies and they have not received any court orders that compels me to pay these collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I received a letter from XXXX XXXX  would remove the public record from my file. They provided me with a letter I forward that letter to the Experian and XXXX  which continue to state that the bankruptcy is verified and refuse to remove it
Product: Credit card

My identity was stolen. False Macys purchase was resolved with Macys. The account has been closed. I get daily robocalls from a company claiming to be Citibank regarding the Macys account. Phone numbers are XXXX and XXXX.
Product: Debt collection

After receiving an alert from XXXX regarding a collection on my credit report from DRS in early XXXX, I haven't received any notice directly from DRS stating why I owe the debt nor providing me the adequate channel to respond to verify the debt. After overlooking the information on my credit report. I sent a debt validation/ verification in XXXX via certified mail which was effectively delivered to a representative at the address at XXXXXXXX XXXX on XX/XX/2023 in XXXX XXXX NY XXXX.
Product: Credit reporting or other personal consumer reports

Please delete unauthorized Inquiries and. Update personal information to reflect correct information. 

Please see attached Identity Theft Report :
Product: Credit reporting

They have an XXXX account on my credit report that is more than 10 years old. the account was opened in 2006. i have sent a request to delete more than 4 times and also sent a copy of the payoff letter. they continue to claim it as a charge off but it should have been deleted 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

About mid XX/XX/2020 I paid off my American Express card and canceled, telling them to cancel everything from that point forward, A month late I recd an bill for less than {$50.00}, they stated it could have been a pending charge so I and paid it but again stated STOP /CANCEL any and all future charges, fees, etc. The balance was again was {$0.00}. Same thing happened again, but I refused to pay as the account was closed. A third call with XXXX  ended badly and they told me it would go to collections. XX/XX/XXXX I recd yet a third series of charges including {$80.00} of late charges, this time a young lady finally went through the process and canceled all, but was XXXX refused to waive the late fees. I feel I have been intentionally scammed. I was told initially when I canceled NO further charges would be incurred. It took a 4th person to do what I was told mid XXXX. They are turning over to collections and my very good credit will be harmed. I believe this is a company-wise policy to deceive and keep taking money from consumers. Could you help? 

American Express # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I applied for admission to XXXX university. In XX/XX/XXXX I was forced to go help family out of state ( school would not of started until mid XX/XX/XXXX ) and notified the school that I would let them know if I will be able to attend, but not to order books or enroll me into classes. I did notify them prior to the start of the term that I was no longer interested in attending their school. Now I am getting collection letters from " Williams and fudge, inc. '' for {$530.00} stating that they are for " No show fees '' for not attending the school. I have explained that I never agreed to attend the school, and their own billing statement even shows that tuition was credited back to me, but the company keeps saying that the debt is valid because they have a bill in their office for it.
Product: Checking or savings account

I have been a victim of identity theft. A scammer used my information to purchase XXXX Tickets for {$490.00}. The transaction date was XX/XX/2023. I filed a dispute for the charge which Chase bank claimed to be illegitimate. They then reversed my claim on XX/XX/2023. I have since contacted XXXX about the purchase and they have marked this purchase as fraudulent. Chase bank sent me documents in the mail, claiming that the purchase was legitimate, showing that the scammer had all of my information. The documents even included a photo of the person who used my info to purchase the tickets, who is clearly not me. After that, I contacted Chase bank again to let them know, however they refused to re-open the claim. I let them know that I had already talked to XXXX about the fraudulent purchase, but Chase bank stated since the claim was already closed they couldn't do anything about it.
Product: Credit card

I have had a XXXX Credit Card issued by Barclays Bank for years. I travel frequently as my work requires. I get paid at the completion of a project which can be many months so my credit utilization goes up and down. I have never missed a payment. Barclays recently reduced my credit line by {$4100.00} without any notice what so ever citing my credit utilization as the reason. This left me with about {$200.00} in credit available and a disastrously tumbling credit score due to now even higher credit utilization. I see from other consumer complaints that this is not an unusual practice for Barclays. Due to the impact on consumers credit scores this practice of bait and switch ( here 's a great credit limit for you but we will take it away if you actually use it ) should be somehow regulated.
Product: Consumer Loan

[ Case number : XXXX ] The company responded to my complaint and the result was unsatisfactory. BB & t hired XXXX which is a collecting agency once the car was taken away.The vehicle was sold at an uction. Yet, the company has chosen to seek garnishment for wages which exceeds the deficiency amount. They are seeking the originating loan amount instead. 

As stated : I defaulted on your payment schedule and the vehicle was repossessed on XXXX XXXX, XXXX. The vehicle was sold on XXXX XXXX, XXXX. BB & T attempted to collect the deficiency balance of {$10000.00} but was unsuccessful in obtaining a repayment agreement. BB & T assigned the account to the attorney firm of XXXX XXXX XXXX to obtain a judgment against you. BB & T obtained a judgment on XXXX XXXX, XXXX in the amount of {$10000.00} with an interest rate at 10.99 % from XXXX XXXX, XXXX until paid, cost of {$51.00} and attorney fees of {$2500.00}. 

First it is immoral and unethical to charge someone interest on a deficiency amount. This could be illegal. Second, the only amount I should owe is what the deficiency amount was after the sale. Third, how is a company allowed to take your vehicle for nonpayment, resell it, charge interest and then try to garnish wages for the original amount of the loan??? this has to be illegal!
Product: Credit reporting or other personal consumer reports

Capital One - Inquiry date : XX/XX/XXXX - Date opened : XXXX XXXX, XXXX - Credit limit : {$3000.00} - Balance : {$4500.00}. 
I have already disputed this with XXXX, XXXX, and XXXX. But, I had to file a complaint with Capital One and have not heard back from them. That would not have been an issue but I had an alert that XXXX XXXX XXXX  ( collection ) was now on my credit report. I called to see where this came from and it was XXXX XXXX XXXX XXXX  that was opened under one of the addresses that I have disputed and with the numbers that I have disputed. 

XXXX XXXX XXXX ( collection ) - XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Date opened : XX/XX/XXXX - Balance : {$710.00}. 
It showed up on my Credit Report through an alert. I had already frozen all three of my credit reports due to fraud under my name in a Capital One Account & incorrect information on my credit report. The person used a Michigan address, which I told them that I neither have lived in Michigan, I do not have XXXX XXXX XXXX, and I did not recognize any of the five numbers that were opened under the account.

Hard Inquiries of Credit - I have reported to XXXX, XXXX, XXXX that someone has used my ID XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Bank USA NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : wrong name and address on my credit report. Already reported them but they are still on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : wrong address on my credit report. Already tried to dispute these but they still show up. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : wrong address on my credit report. I have already tried to dispute this. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I initiated a rollover of my HSA from Optum Bank. They did not initiate a transfer and every time I called, they said they never received any document from XXXX. 

After a month and a half of back and forth, I finally called with a 3 way call with XXXX on the line and Optum Bank told me they had the form all along in their system. 

They then re-intiated a transfer, but I was just told via email that the account number they had on file was wrong, and I had to re-submit the form under a new account number that doesn't seem to belong to my account at all. Then the person who was helping me said he was conveniently going on XXXX XXXX and disappeared.
Product: Credit card or prepaid card

I have set up automatic payments with Bank of America to pay my credit card statement balance. Later on, I did not see the automatic payment on my account. I am not sure if it was mobile application issue or system change, but after 1 year my automatic payments stopped occurring. Later, I started checking my payments to my credit card. I realized the payments did not work couple more times and paid manually. For example, the statement due date was XX/XX/XXXX. I checked on XX/XX/XXXX and saw there is no automatic payments going to the bank. I directly send payment by app manually. Surely, the payment was reflected on my account XX/XX/XXXX or XXXX because of processing time even though I have sent the payment on time. After months, today, I realized that the bank has charged me late fee and interest for those payments to them. I called them. There were multiple charges each of them around XXXX dollars. They said they were only able to refund the last one and I needed to contact credit bureau for fixing this.I would like to receive my money charged for late payment which were not late and delete those from my credit history. 
XX/XX/XXXX, XXXX USD ( This one might be refunded in couple of days by the bank ) XX/XX/XXXX, XXXX USD XX/XX/XXXX, XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX has reported two late payments XX/XX/XXXX & XX/XX/XXXX has violated my rights under 15usc1681 in section 602 states I have the right to privacy 15usc1681 section 604A states I have the right to privacy 15usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15usc 1681A / definition, rules of construction exclusions except as provided and paragraph the term ( consumer report ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

Have several items on my account with late payments and accounts that are not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to the major credit bureaus to update my personal information because there were several addresses that do not belong to me and I have not received any documentation of the removal or seen any with my credit monitoring update. I have included my personal documents for the investigation to be conducted and there is no communication from any of the main three bureaus within the last 45 days. I am being denied the right to dispute inaccurate information.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX