23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently reviewd my credit card statement and noticed multiple unatuthorized charges from XXXX XXXX, totaling {$1800.00}. I want to clarigy that there are no XXXX locations near me in California, expecially not in the XXXX XXXX where I live. 

As soon as I noticed the charges, I contacted Citi bank team to report the issue and had my card canceled. Areplacement card was issued to me shortly after. Despite not taking any action that would compromise my card. It appears I was still a victim of Fraud. 

However, I just received a notice that th fraud case has been closed, and the {$1800.00} charge remains, I would like to request a re investivation of this case, as I did not authorized any of these transactions. 

Thank you for your time and assistance.
Product: Checking or savings account

I called Bank of America to get info about the status of my account and the available balance in order to re-activate my account if needed. They asked for XXXX number i provided the number and also the issuance and expiration dates. As well as passport number used during onboarding. As they indicated if you provide these information we can verify your identity and provide you all information request you required. But after providing they said we can not reach your account and then they said we could not verify you. I asked to get a case/ complaint number they refused but later they provided the case number which is XXXX. Please listen to the recorded call at XXXX XXXX XXXX XXXX time to find out how they refused and all the needed info were provided. I am willing to go on video call/face time to verify my identity if needed since i am outside the US currently .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/2017 and XX/XX/2017, then after the disputes it will say 30 day late XX/XX/2017 XX/XX/2017, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.
Product: Debt collection

Amsher Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Re : Reference # ( XXXX ) On XX/XX/scrub> 2024, I mailed Amsher Collection Services a letter requesting DEBT VALIDATION per Texas Finance Code. My records show that Amsher Collection Services received the DEBT VALIDATION letter on Thursday XX/XX/year>2024 at XXXX. The original correspondence was not a dispute but rather a DEBT VALIDATION letter pursuant to the Texas Finance Code. They had 15 days to remove the account, according to Sec. 392.202 ( d ) ( 1 ) to remove the tradeline from all three credit reporting agencies, including XXXX, XXXX and XXXX. 

Please be advised that Amsher Collection Services has violated my consumer credit rights under Texas Finance Code, and I would seek to resolve this issue in XXXX XXXX court if this kind of shady business collection practices persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
Regarding alleged account # XXXX 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.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to formally dispute multiple accounts listed on my XXXX credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
After reviewing my credit report, I discovered the following accounts that were not initiated by me : A. XXXX. Account Name : XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$2500.00} B. Account Name : XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1600.00} XXXX Account Name : XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$900.00} XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1700.00} XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$93.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Account # XXXX, have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Some one stole my identity and open a credit card account. I caught it and informed the company this was fraudulent. My credit score dropped. I was not informed of a data breach at Consumer Credit report.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Complaint Department Experian.com XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following information that your company provided to Experian.com my Report number is XXXX on XX/XX/XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item XXXX Credit Account Number : XXXX .... 
Date Opened : XX/XX/XXXX Status : Transferred, closed. Account XXXX : XXXX ... Date Opened : XX/XX/XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XX/XX/XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. U.S department of education National payment center XXXX XXXX XXXX GA XXXX ( phoneXXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XX/XX/XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that Experian.com have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have one single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
University of Pennsylvania
Product: Debt collection

On XX/XX/2018 I want to XXXX XXXX XXXX to fix my XXXX, XXXX XXXX XXXX the inform me that they have Promotion to fix my XXXX on credit {$4900.00} interest for 4 years i have to pay fix payment for {$200.00} every moth, I agree And sign the agreementCan I start paying them {$200.00} every month until my parents come down to {$1200.00} before the pandemic came And I stop working and everything is shut down I called the bank regarding the payment and ask the bank To postponed the payment because the COVID-19 the agree to postpone the payment after 2 month I was late on my payment they add interest on my Balance was {$1200.00} to {$3600.00}, iI called again i talk to the bank Agent regarding the interest the agent he informed me he will helping me to pay my old balance {$1200.00} with out interest and he will lower my payment from {$200.00} to {$59.00} for 2 years with out been late on my payment, I agree, because I don't want to be late on the payment i Gave the agent my checking account info to draw payment from my account and they start taking the payment from my account every month after one year I called the bank Again to make sure I am right track call my balance how do you spoke with another agent she informed me yeah I have one more year to finish my balance and I ask her about my balance she told me don't worry about the balance but when you finish your XXXX years you will be finish your balance I told her OK after XXXX months I called again to make sure I am OK on right Track They told me no I have to pay the interest on the balance because I didn't pay one time I know I spoke with the manager I told her I have agreement with you for two years to To pay my balance and close my account and she told me she got a check the phone Conversation and get back with me after one month after 3 weeks I got letters from the bank saying I have to pay the interest on my balance and I have 60 month payment plan, when agree for 2 years to pay the bank and close my account with bank. Please i am no working yet I need your help this bank Rip me offI already paid them what i borrowed from them now they add more then my balance just interest, please help me
Product: Debt collection

I HAVE CONTACTED YOUR COMPANY ON MORE THAN ONE OCCASION ABOUT THE 8 ACCOUNTS THAT YOU CONTINUE TO HARRASS ME ABOUT. FIRST OFF HOW ARE YOU COLLECTING ON BEHALF OF ANOTHER COLLECTION COMPANY? ISNT THIS AGAINST THE LAW? SECOND I AM IN RECEIPT OF YOUR LETTER DATED XX/XX/2018 FOR ME TO DISPUTE THE VALIDITY OF THESE ACCOUNTS. WELL, THIS IS YOUR 4TH NOTICE AND LAST OR I WILL BE FORCED TO SUE IF YOU RE-INSERT THESE INTO MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER DEALT WITH YOU COMMONWEALTH OR THE COMPANY XXXX OR THE OTHER MEDICAL COMPANIES YOU REPRESENT. Furthermore, I HAVE NEVER GIVEN YOU AUTHORIZATION TO REVIEW ANY OF MY MEDICAL HISTORY OR FOR MY MEDICAL HISTORY TO BE GIVEN OUT SO HOW IN THE WORLD COULD YOU VALIDATE ANYTHING ABOUTME? EXACTLY YOU CANT BECAUSE it's NOT MINE!!
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there is an inquiry from a company XXXX XXXX dated XX/XX/22. I did not initiate, request and/or conduct any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It May Concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not say they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the FCRA where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never head of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : US Department of EDC Account Number : XXXX Balance : {$1200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : US Department of EDC Account Number : XXXX Balance {$2200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where i can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Thank you for your time and help in this matter
Product: Debt collection

The inaccurate information from XXXX XXXX XXXX  in the amount of XXXX are fraudulent chargers and I have no knowledge of the account. This account should be removed from my account no less then 30 days
Product: Money transfer, virtual currency, or money service

I received a phone call around XXXX XXXX on XX/XX/2023 from a man telling me that there had been some fraudulent transactions made, he then listed off a {$200.00} XXXX  charge, a {$70.00} charge at a XXXX XXXX gas station outside of XXXX, WA and stated that a new device, an XXXX XXXX had been added to my account. I have an XXXX but it is a XXXX. He told me how much I had in my bank account, citing information that only myself or the bank would have, He then walked me through a process which involved him telling me to transfer all the money from my savings account into checking telling me the exact amounts to transfer as I assume he was looking at my account balance. He then had me try and transfer {$5000.00} to my XXXX XXXX. It was declined he said that would happen and told me to text YES in the text I received that was from Bank of America, my bank. After that he had me remove my debit card from XXXX XXXX  and put in a new Bank of America digital debit card, he provided all of the card details for me to manually put it in then had me authorize this card. It was then on my mobile banking app I got locked out on so after a period of time, and several dropped calls that he called me right back, the block on my account was removed by him. I dont know how he did that when he should not have been able to. Then he had me direct transfer the {$5000.00} I had in XXXX XXXX  to this digital debit card telling me that this was just to make sure that the fraudsters wouldnt be getting this money, making all of it sound very urgent that we get this sorted out before any money was taken. He then had me go back and transfer the remaining {$1900.00} in my account to XXXXXXXX XXXX, where I repeated the process of transferring that money to the digital debit card. After that had been completed he told me in order for my money to be transferred back to my account I needed to delete the digital debit card. And that is where all of my money went and I feel very stupid for believing this scammer. And now Bank of America after an investigation of fraud has determined that I was not a victim of fraud and has closed the case without crediting me back the money that was stolen. My bank failed to protect me, I called XXXX times, the first time I called was about ten minutes after the incident first occurred the woman I spoke to told me that the money is gone wait until it posts and dispute the charge then hung up. I called two more times on the XXXX the day it happened, both tellers told me that nothing could be done. After waiting a day I decided to call again this time the teller said that he would put a stop payment on the charge since it was still processing, why didnt the first teller I spoke to do that if a stop payment was an option? Or the two others I spoke to that day, this could have been prevented! Then the 4th teller I spoke to said I will also file this as a fraud claim for you, again, why did the 3 previous tellers completely fail me as it was too late by the XXXX for a stop payment. My bank has failed me! I put my faith and trust in them and I did not get my money back.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an auto loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting

Tax lien has incorrect amount report and this has paid in full. I also talked to the courts and they do n't report anything to the credit agencies. I would like this to be removed from my Equifax and XXXX credit files. Agencies keep saying verified after one day of investigation.
Product: Vehicle loan or lease

I am writing to report Kia Finance Deceptive Practices and to formally lodge a complaint against Kia Finance regarding their failure to respond to my inquiries and their continued issuance of bills for additional charges without providing any explanation or response. 

On XX/XX/year>, I sent a request letter to Kia Finance ( attached ) XXXX main offices in USA ( CA and TX ) via certified mail, seeking clarification on additional charges that appeared on my account. I have proof that Kia Finance received my letter. Despite this, more than a month has passed, and I have not received any formal response or acknowledgment from Kia Finance addressing my concerns.

During this time, Kia Finance has continued to send bills for the additional charges without providing any explanation or justification for these amounts. This lack of communication and transparency is causing significant frustration and financial distress.

I believe Kia Finances actionsor lack thereofare in violation of fair financial practices and consumer protection laws. As a customer, I have the right to clear and timely communication regarding my account and any charges applied to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized account with the name of XXXX XXXX XXXX and a XXXXXXXX XXXX XXXX is being fraudulently reported on my credit report by XXXX, Equifax, XXXX and the creditors wont fix the problem even with a police report and a FTC report.
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.
Product: Debt collection

Portfolio Recovery Associates has called mt phone within the last 90 days 422 times per my caller ID and other applications via cellphone. I explained to this collection company that this debt is unknown and I do not recognize the account from XXXX XXXX. After conducting additional research over the weekend, the account was changed four times from one store to another that I never knew existed. I have requested that this collector send it back to originator where the matter could be handled legally and send proof of any documentation that they had regarding charges and its ' original application. 

This company placed this collection on my account soon as the country went into a state of an emergency. They have called on several occasions as well where the state I live in requested all call and collection activities to cease under a mandatory mandate or moratorium. Yet alone, the debt is erroneous.
Product: Debt collection

I have told this company to send into writing to send over a copy of my signature dealing with them and they have failure to do so. They hav an address I have not used because its my moms address. I have also told them this was identity theft and they in turn told me I was a part of it and XXXX from it. I get class from XXXX and XXXX repeatedly asking to speak with me. They do not have paperwork with my signature on it and nor have I ever done business with this company and would like them to stop trying to contact me cause now its harassment. I also sent them over the police report about the identity theft and they refuse to stop bothering me. Please HELP
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).