23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry is showing on my  XXXX  Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact  XXXX  directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/year>. Original creditor : XXXX XXXX XXXX XXXXXXXX : {$640.00}. This is not my dept and I never have this credit card. I'm Identity theft victim, some one used my SSN number for registering account.
Product: Debt collection

Today XX/XX/2021 XXXX credit monitoring notified me that I have been reported to AMSHER COLLECTION SERVICES INC, XXXX XXXX XXXX, XXXX, AL XXXX for " nonpayment '' of {$220.00} past due as of XX/XX/2021 on behalf of, XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX dba XXXX XXXX. When we moved into our new house, a false XXXX ( XXXX XXXX ) internet service account was set up in addition to our actual account with : contact, phone, and address information 1 number or letter off of my actual actual information. 

I spoke to a tech supervisor, who looked at everything and speculated that the salesperson @ sold me two networks and 2 sets of equipment for no reason simply to get the sales, and set up that account up with a false name and number. The tech suggested we just remove that network entirely, and I did that, and returned the equipment to XXXX. 

I have already disputed this with the company, with the Collections agency, and with XXXX. XXXX deleted this from my credit report on XX/XX/2021, XXXX and AMSHER did nothing.
Product: Consumer Loan

bank of america gold option account has overcharged me for seven years as if I were a month late and tacked on upwards of XXXX dollars worth of fees that were misrepresented and not understandable by the statements I received. I also asked them to mail all statements and they only sent from XXXX instead missing at least XXXX statements so I have no way of telling how much they originally charged me on this loan and what the fees were. Ihave paid on time for over seven years and have bank account statement proof but they have informed me they plan to close the account as soon as is paid and this is going to ruin my credit score. also I believe I have overpaid but they are still billing me over XXXX dollars. I have gotten no help from calling as no one can tell me why the late charges are there as they can see I was never late or what those fees are. They also can not tell me where the first XXXX bills are or what the initial terms or agreement of the loan was or what the initial amount loaned was and what their initial fee was. I have paid XXXX on this loan. Customer service ranges from trying to be helpful, but having no knowledge of the account to being extremely sarcastic rude and unhelpful. This has caused a great deal of harm to me financially and otherwise. I really need help at this point because I need this to stop asap or I am going to go under. current fico score was XXXX but have had to apply for new credit so I know its all about to snowball.
Product: Debt collection

XXXX XXXX tells me I owe {$620.00} over 8 billing cycles ending XXXX/XXXX/2012. They have no evidence that I ever asked for their services, I signed no contract and I do not owe them. This is my residence in XXXX, but I live in XXXX. I offered to pay {$50.00} to settle with them, and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE THEM WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

TO MAKE THE DELETION PROCESS EASIER, I ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! 

Account Name : XXXX XXXX XXXX ( XXXX, Equifax, XXXX ) Original Creditor : XXXX  Account Number : XXXX Account Name : XXXX XXXX ( XXXX, Equifax ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XX/XX/XXXXXXXX : account # XXXX, : XXXXXX/XX/XXXXaccount XXXX XX/XX/XXXX : account # XXXX, : XXXX XXXX XXXX account # XX/XX/XXXX account XXXX # # # # However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. XXXX 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 or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

See attached PDF. Settle this matter properly and remove the accounts of all 3 reports or I will seek litigation. This is my final attempt for them to correct their facts. Remove the accounts!
Product: Credit reporting or other personal consumer reports

WEST LAKE FINANCIAL COMPANY MY WAS PAID OFF IN A SETTLEMENT NOT SEEIG THIS ON MY CREDIT REPORT, ALSO THEY HAVE REPORTED THE SAME CAR CHARGE OFF 10 TIMES ON MY XXXX  REPORT HOW CAN THE SAME CAR BEEN XXXXHARGW OFF 10 TIMES.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a XXXX  Block Request and Attest Form to Experian. Pursuant to 605C of the Fair Credit Reporting Act, I respectfully requested that they block the reporting of the adverse information identified above ( and any other information related thereto ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). I asked Experian In addition, please send me notification of the action taken pursuant to this request within five business days ( see 12 CFR 1022.142 ( f ) ). 

Also, I asked Experian to please send me notification of the actions taken. They have not responded. 

Please see attached documents.
Product: Debt collection

I have sent written notification to Credence Resource Management requesting documentation of any contractual relationship between myself, & Credence Resource ManagemenXXXX. This was NOT a request for verification or validation. This was a request for proof of contract to substantiate Credence Resource Management 's claim to XXXX, XXXX XXXX XXXX, that I owe Credence Resource Management, {$260.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Product: Student loan

I paid a monthly amount of {$99.00} to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. I was told if I pay this amount for 10 years then my student loans will be forgiven. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service and I was not aware of this. I began payments in XXXX XXXX and they just stopped in XXXX XXXX because the FTC made them seize all operations. So, I haven't even had the time to close my case with them. The money I paid to them could have been going towards my student loans and I am very distraught about this.
Product: Credit card or prepaid card

XXXX XXXX advertises a MasterCard through Bank of America that can  supposedly be used to instantly buy tickets. 

On Sunday, XX/XX/2018, I had a family emergency and needed to travel right away. My brother decided we were flying down on XXXX. I didnt have the funds on hand to fly, so I applied for the XXXX MasterCard through their website. Their website advertised that the card could be used instantly upon approval. I was redirected to the Bank of America site ( or maybe some hybrid of the two affiliates - it was tough to tell when I was with which company ). I was instantly approved for a {$4000.00} limit, but Bank of America didnt redirect me back to the XXXX website. XXXX, in turn refused to take their branded card as payment, claiming that I needed a he CVV code. I called Bank of America who assured me that XXXX could run the card without the CVV. XXXX refused. Now, Im stuck with a card that cant be used. XXXX  has refused to do anything for advertising a card that could supposedly be used immediately and then refusing to do so. 

I spent much of the morning of Monday the XXXX on the phone with XXXX   and went through three levels of agent - a line agent, a supervisor and a manager. I was then told that they could go no higher without emailing their corporate offices, leaving me no relief, since I had to travel that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX u.s. department of education XXXX XXXX u.s. department of education XXXX XXXX XXXX XXXX XXXX XXXX u.s. department of education XXXX XXXX u.s. department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX u.s. department of education XXXX XXXX u.s. department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED IXXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Dear Sirs, My name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ). 
I address you with regard to the XXXX payment transaction that has been made on XX/XX/2022 and is currently on hold since XX/XX/2022 by Bank of America, please see the full details below. 

On XX/XX/2022 we received a compliance request from the correspondent bank - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX with the inquiry of a detailed purpose of payment and relevant invoice. We replied to this request on XX/XX/2022. However, by now the payment has not been either returned to the debtor bank, or proceeded further to the beneficiary, while the said goods have been already shipped from the XXXX supplier to the XXXX  customer. 

Please kindly check the current status of this transaction and arrange to refund it to let us settle this matter. 

Thank you for your understanding and cooperation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Chime close my account without even telling me and I had deposit {$500.00} on it. This was XX/XX/XXXX.
Product: Mortgage

closed on mortgage and made first scheduled payment in XX/XX/2018. Soon after Pennymac began saying we were behind with amounts swinging wildly one way or the other. We have made all payments, although a few have been late, and they are now threatening foreclosure although my records show me current. I have sent a qualified written request to have a complete accounting of all payments to try and figure out what is wrong but they have not sent a reply or accounting of payments.
Product: Payday loan, title loan, or personal loan

Onemain financial broke 3 laws and i need to revoke my signature and this contract needs to be terminated immediately. 

I have been harassed everyday by onemain financial. It is illegal to harass a consumer!!!!! 
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. i have much proof of them harassing me!!!

Its against the law for creditors to charge consumers with late payments! ' According to 15 usc 1681a, consumer reports are not allowed to include transactions!!! 
This is against the law!!! 

Lastly My contract did not include the sum of all charges 15 U.S. Code 1605 indicates that the finance charge has to be included with the sum of all charges. That did not happen. 

This contract needs to be terminated immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with XXXX XXXX to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. XXXX XXXX has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. XXXX XXXX did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, Equifax and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( XXXX ) ( C ). XXXX XXXX and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. XXXX XXXX has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) XXXX XXXX does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification XXXX XXXX and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
Product: Student loan

I received a notice that my private JP Morgan Chase student loan was being moved to XXXX ( XXXX. At the time I paid my account ahead before it was moved. My first bill from AES had a XXXX balance. My second bill, slipped my mind and I paid it 3 days late ( I paid over double what I owed for the month ). My payment was due on the XXXX, and I paid on the XXXX. 

Yesterday XXXX/XXXX/15 I received a collection letter from the XXXX XXXX, in the amount of {$15.00}. 
XXXX Ref # XXXXCreditor : JP Morgan Chase Bank , N.A . 
Loan Balance : $ XXXXPast Due : $ XXXXI called Chase to verify why I received a collection letter and they said they would have to connect me to XXXX. I called XXXX and the XXXX XXXX, and was told that the collection letter that the XXXX XXXX sent was not really a collection letter, but an attempt to " reach out '' for me to make a payment and that it would not go on my bureau. 

The collection letter was actually sent on XXXX XXXX, 3 days after they had received my payment, and I was current at the time. 

I feel that this letter was an attempt to harass or scare me, which it did. I work hard to keep my credit bureau clean and this was a very distasteful way to contact me about a payment that was just 3 days late. Furthermore, I did not receive a phone call for being late, rather the collection letter was automatically sent per the agents I discussed the matter with at the collection agency and XXXX. 

My university was XXXX XXXX, in XXXX, Indiana
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on my report that I don't recognize.