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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10.00}.
Product: Debt collection

Heartland ECSI has been repeatedly contacting me in an attempt to collect payment on a {$2600.00} emergency loan that I had to take out as a XXXX XXXX University student during XXXX. The bill has escalated to {$2900.00} and is not my responsibility because yesterday, on XX/XX/XXXX, I contacted the university 's financial aid office and they noticed an error on my account. There was actually a credit on my account from a valid student loan that by fault of the university was returned to the lender. I now have a tuition refund credit on my account in the amount of {$10000.00}. Heartland ECSI has mentioned that all they can do is work with me to initiate a payment plan but I do not owe them any money at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have problems financing and my  FICA score i s continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all three credit bureaus and none evidently care what is posted correct or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.
Product: Checking or savings account

I received communication from a Bank of America representative on XXXX I was told I would be contacted by someone to help me within XXXX days after filing my last complaint, which never happened. Over a year ago, I notified Bank of America as soon as the transaction took place to reverse the transactions due to my being scammed through the XXXX XXXX  and my bank account. I had to open a new account, create a further XXXX authentication, and log in to my online app. I provided them with details that the scammer was saying transactions were not mine to make funds available to steal them through the XXXX XXXX  and then transfer the funds to a different XXXX XXXX. I spoke to XXXX in the escalation department today after finding out that Bank of America had XXXX funds for my children taken out of an account to pay for this fraudulent transaction. I asked if I could pay on Friday, and here I go again, continuing to settle for something that. I don't owe, and if they could make those funds available. I have been paying voluntary and involuntary payments to the bank for someone stealing my funds and felt robbed again this morning. XXXX then began to belittle me and try to insult my intelligence in protecting myself and became insensitive, telling me the debt was valid. I became livid and felt picked on after I advised him to note again that this debit was fraudulent, which he did not do. I notified the bank of this issue while scammers were hacking my account in real time to stop them. I'm a victim of fraud and am not being protected. I'm filing a lawsuit as I feel completely taken advantage of. Paying for a fraudulent transaction has caused me so much stress and inability to pay bills to provide for my children and also emotional distress. My bank is taking advantage of me after delivering all the proof, and they will not help me! At this point, I have reached out to the Minnesota Attorney General 's office, who informed me to contact the Office of the Comptroller of the Currency ( " OCC '' ) and the Federal Trade Commission, which I will reach out to today. I have already also, at this point, filed a lawsuit as this had caused me much stress and inability to care for my children during times of hardship when they collected money ; also, the way the collection agent XXXX spoke to me, which I have recorded I can't live down ; at this point, I need to advocate for myself because now I'm paying twice for being a victim of theft. Bank of America hasn't responded in over a month from the date they told me someone would reach out. They haven't responded to the Attorney General 's letters either, the second letter, which followed the first, regarding the fact they still have not responded ; the same is true with me ; they still have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written communication from a consumer or natural person pursuant to 15 U.S.C. 1692a ( 3 ).

I have discovered that Transunion has been furnishing a consumer report which contains factual information and information alleging I owe debts that have not been verified. Pursuant to 15 U.S.C. 1681a ( e ) it is a violation for any consumer report which is an investigative report, to contain any factual information.

Pursuant to 15 U.S.C. 1692g ( b ) the alleged debts in the consumer report furnished by Transunion must be verified by a judgement from a court of competent jurisdiction stating that I owe a debt. Transunion and or any other debt collector has not provided verification stating that I owe a debt.

I have not given any debt collector prior consent to communicate with me about any information that is in connection with the collection of any debt. Any person communicating with me about any debt is in violation of 15 U.S.C. 1692c.

Thank You.
Product: Debt collection

Due to covid 19 we did what we thought was the right thing to do, that was turn in vehicle a XXXX  we could not continue to pay on. After this XXXX XXXX XXXX hired Smith Debnam law firm to collect the amount they did not sell the vehicle for which they sold not at fair market value. I called the law frim to set up payments, they did not agree to payments. I sent a payment of {$500.00} dollars in an attemp to strat to pay some funds back. YET I did not here back from the law firm and the law firm took out a judgement against me. Now the same law frim as threatened to take out a Writ of Execution. IM a 100 percent XXXX veteran and now only have that income from the federal Veterans Administration. I have no big bank account funds, i have no real property. I told the law firm company that I XXXX XXXX DOB : XX/XX/1955 would pay XXXX as i could to pay off the debt that should have been settled by the sell of the new vehicle. I have no funds for to hire a law frim to counter act all this hard ball actions from Smith Debnam law firm, they have had several complaints against them in the past years, both in state and federal court.
Product: Credit reporting or other personal consumer reports

According to XXXX, XXXX, and Transunion I have two hard inquiries on my credit report. I did not authorize either of these hard inquiries and I do not have an account tied to one of the inquiries. The other inquiry is from a credit card that I have had for over 7 years but for some reason it is showing as a hard inquiry in 2023. I need these inquiries to be removed from my credit report of these three agencies immediately as it is impacting my ability to use my credit as needed.
Product: Credit reporting or other personal consumer reports

I just received a promotion and relocation from job. I never paid attention or was knowledgeable of credit. Upon looking into my building my credit i seen four accounts that i am not aware of ... XXXXXXXX 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 am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Please see the attached letters that were sent to the credit reporting agencies and the creditor XXXX XXXX which are dated, and time stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX numberous of times about my KY HIGHR EDU account about multiple errors on my report. Date Opened, Date Reported, Creditor Type, Account Status andPayment Status is all incorrect. I sent letter on below dates 1st - XX/XX/2020 2nd - XX/XX/2020 I received letter saying updated but did not fix the errors
Product: Credit reporting or other personal consumer reports

There is a current account under collections that belongs to an account previously removed from my credit report by XXXX XXXX bank as this account didn't belong to me. 

XXXX XXXXXXXX XXXX and all 3 major credit reporting agency has failed to correct this information for the last past 4 years. 
Account in Collections XXXX XXXX XXXX HAS BEEN ON MY FILE SINCE 2018 ORIGINAL DEBTOR XXXX XXXX XXXX REMOVE ERROR ACCOUNT FROM MY PROFILE BUT XXXX XXXX, TRANSUNION AND XXXX HAS FAILED TO CROSS REFERNCE AND TAKE THIS OFF MY ACCOUNT. 

XXXX OPENED 2018 {$300.00} SHOULD NOT BE ON MY REPORT AS THIS IS INCORRECT THERE IS NO DEBT WITH ORIGINAL CREDITOR. 
REMOVE
Product: Credit card or prepaid card

I had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I opened XXXX which was closed by CFPB. I am opening a new case and attaching the data. I have already shared the password with Bank of America. When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. On Tuesday, XX/XX/2023, XXXX XXXX PST, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX cent deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. If there is market manipulation in XXXX or USA or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds. If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that. To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00}
Product: Student loan

The company keeps calling stating I 'm late XXXX payments which Equals over {$450.00}. I keep requesting to have a lower monthly payment and in order to do so each month they keep requesting a full payment, and then the next month continue with the same sequence. I can not afford {$160.00} a month at this time. It 's frustrating and scary to think I may lose my credit due to student loans my parents took out for me when I was n't old enough to understand the consequences.
Product: Credit reporting or other personal consumer reports

This is my 13th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the consumer XXXX XXXX have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. Unauthorized inquiries include : XXXX 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of these companies they are reported as inquiries on my credit report ..XXXX/XXXX XX/XX/XXXX ... XXXX XXXX XX/XX/XXXX ... XXXX auto XX/XX/XXXX ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX ... XXXX XXXXXXXX automobile dealer XXXX XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... ..Us Sm Bus Admin XX/XX/XXXX XXXX
Product: Debt collection

Collection account from XXXX XXXX with account and a balance of {$1700.00}. 
The original creditor is XXXX  XXXX XXXX Contacted creditor to provide me with more proof on debt. 
XXXX Date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX - Account # XXXX XXXX - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX- Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX  - Account # XXXX Dept of EDXXXX XXXXXXXX XXXX  - Account # XXXX Dept of EDXXXX XXXX XXXX - Account # XXXX Dept of EDXXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX  - Account # XXXX XXXX XXXX of XXXX - Account # XXXX XXXX XXXX XXXXk - Account # XXXXXXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX Account XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX Affirm Inc- Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX - Account # XXXX HAS ALL 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 : 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 that 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 any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Credit card or prepaid card

At the beginning of XXXX ( XX/XX/XXXX ), I was to receive a courtesy credit for {$790.00} for a chargeback dispute, along with a {$120.00} credit ( which I already received ). I was told these credits would be granted as a courtesy since my disputes were outside of the allotted 60 days period. I spoke to a total of 4 different Citi representatives in the dispute resolutions department and customer service, all of which assured me that I would receive this credit 'in 48 to 72 ' hours. Citibank 's automated system also confirmed that I was granted this credit. Every rep I spoke with confirmed this credit will be granted to my account ( Please listen to the recorded phone calls ). 

On XX/XX/XXXX, I called Citi again since no credits were posted, and I spoke to a supervisor named XXXX. She informed me that no credit would be granted. I explained to her that 4 different reps had informed me that I would be receiving this credit, and the automated system confirmed this as well. She then explained that my account was in review and that all my conversations with the Citi reps would be listened to, and I would receive a letter with the outcome. She said that it would be 7 to 10 business days from XX/XX/XXXX. I didnt receive a letter. 

I called Citi and spoke to XXXX on XXXX and she informed me that my account review was complete and I was approved for my credit of {$790.00} on XX/XX/XXXX at XXXX, and gave me confirmation # XXXX. She said that the department that handles the credits was closed due to COVID-19 and that I should get my credit later in the week. No credit has been seen. 

On XX/XX/XXXX I contact Citi again and spoke to XXXX. He tried to get a manager or supervisor on the line but he was unable since the call volume was very large. He said hed call me back with a resolution. He called me later that day and left me a voicemail that he had emailed that department and CCed his manager. He told me hed reach out with a resolution with in a day or so. I have heard nothing as of today, XX/XX/XXXX. 

I contacted Citi this morning ( XX/XX/XXXX ), and was put on hold for 50 minutes then the rep hung up. I called back and spoke to a lady. Was on hold with her for 1 hour and 37 minutes. She did check in with me and after about an hour, she said she would look into another solution to get my credit issue resolved. She hung up shortly after. 

I have been using Citibank exclusively for the past years, and I have NEVER in my entire credit card usage history experienced such blatant disregard. In a time like this with COVID-19, Citibank 's actions are absolutely appalling, especially when I have never missed a payment, and have been a loyal Citibank customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  is a third party that was never given written consent from me the consumer to have access to my reports or even report information. Further there is no written consent from me the consumer for them to have had communication with XXXX XXXX XXXX  This is a violation of 15 USC 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

XXXX XXXX  has committed identity theft and continues to do so as recent as XX/XX/2022. 
15 USC 1681c-2 ( a ) a consumer reporting agency must remove/block information alleging to be a result of id theft shall be removed no later than 4 business days
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I have asked Experian and XXXX for proof that this Public Record belongs on my file, with absolutely no response! 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that experian and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the letters. 
I would really aprerciate the CFPB 's help with this matter