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

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( Experian, XXXX, and XXXX  ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX  and XXXX  reports as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX credit reports, the account needs to be deleted from the Experian credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX  XXXX, BALANCE {$11000.00}, OPENED XX/XX/2017, ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is report is showing bankruptcy that do not belong to me that are saying that the information is verified through the bankruptcy court but that information is not factual and they are sharing my personal information and credit reports without my consent to XXXX, XXXX XXXX and XXXX!
Product: Mortgage

We started out with XXXX in 2007. They suddenly started increasing our payment until we went from paying {$1300.00} a month to {$2000.00} a month. No one could give us an explanation for the increase. We applied for a modification to try to deal with the situation. Not long after, they sold the loan to XXXX XXXX XXXX. Due to the increased payments, we ended up having to file XXXX XXXX. It took our bankruptcy XXXX and an aggravated bankruptcy judge nearly five years to get a modification approved. The month after we finalized the modification they sold the loan to Greentree. We continued to pay the note, using the account number for Greentree that XXXX had sent us. The first correspondance we received from Greentree was in XXXX and it included no payment amount and said " this is not a bill ''. The next letter we got stated that we were over a year behind on payments. Three weeks later, after sending over dozens of faxes and making hours of calls, they tell me I have to fax over a formal dispute. I 've been on the phone for three weeks, talking proof of payment, the modification terms, etc and just now they need me to fax a piece of paper saying I think they screwed up. They just approved the loan for foreclosure, despite the account status being obviously in question. XXXX of the managers, XXXX, flat out told me that something must have been filed wrong. Even if I had been a year behind, the modification would have brought me current. I might actually lose my house even though I am not even a day late on payments.
Product: Checking or savings account

On XX/XX/year> I got a phone call on my mobile, the contact stated Citibank and I answered, I was told it was a Citibank staff who needed me to sign on and assist with stopping a transaction of funds from XXXX. I did as requested and went to my XXXX to see that an attempt was made to sent {$1500.00} to XXXX XXXX ( unknown to me ) and the traction had failed. The Citibank staff said to me again someone is attempting to send {$1500.00} and we need you to try the failed attempt again. As this was happening I asked my daughter to call the telephone number associated with the XXXX XXXX that we saw on the XXXX screen. She called the telephone was picked up and quickly disconnected. 
I hung up on the Citibank caller but I had already sent the try again transfer. 
When I hung up the caller called back but I did not answer .I immediately called the number on the back of my Citibank card explained the situation and said some one has {$1500.00} of my money because I thought it was a Citibank staff calling me, the person said it was a scam. I had lost {$1500.00} to a person I believed to be Citibank. She transferred me to Fraud or investigations, they took my statement ( recorded ) and said this account will be closed and, new card issued. 
Eventually Citibank sent me a letter saying the XXXX {$1500.00} appeared regular and with out suspicion and they would no further investigate not offer a reinstate. If they looked at my transaction they were all the same and never this amount. 
Then two weeks ago I got a letter from Citibank about the situation saying they never sent me the investigation results. I have loss faith in my bank
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX Account # XXXX has violated my rights, XXXX  XXXX ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights, XXXX XXXX  account # XXXX has violated my rights, XXXX  XXXX account # XXXX has violated my rights, XXXX ACCOUNT # XXXX has violated my rights, XXXX XXXX  ACCOUNT # XXXX has violated my rights, XXXX XXXX ACCOUNT # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 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 1681 section 602 ( A ) States I have the right to privacy. 15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item 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 168s-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

Hard inquiries were perform that i didnt authorize per FCRA legally these unverified & unauthorized items must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX OF XXXX XXXX Balance Owed : {$40.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX # 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.
Product: Credit card

The problem is with fraudulent charges that were made on my Ally XXXX  acct. ending in XXXX, in XXXX, XXXX, for {$14.00}, {$21.00}, {$19.00}, and {$18.00}, totaling {$73.00}, and on XX/XX/XXXX for {$19.00}. 

The charges were made by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX All of them were unauthorized by me and were done without my knowledge by someone who hacked into my account. As such, they are FRAUDULENT. 

However, even after several phone calls made to Ally representatives, including the XXXX Department, on XX/XX/XXXX, when I first discovered the charges, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Ally Credit Card never treated them as fraudulent and never even removed them from my account, even if the representatives promised that they would be removed. I am not even sure that an investigation was even ever conducted, but I just received this letter from Ally, dating XX/XX/XXXX, stating that I indicated that I entered in some kind of membership, and that I should cancel it! These are all lies! I never said that. I always said that I do not know where these charges come from, and that I have no receipts and no way to contact the hacker. I can't believe that a reputable bank would even do such a thing as lieing, instead of trying to contact the hacker and/or resolve the matter otherwise! 
I can not cancel a membership that I never entered into ; a membership with someone who is unknown to me and whom I have no information to even contact ; a membership which I don't have any receipts or any other proof of purchase for, to refer to, otherwise! 
Therefore, the burden rests on Ally Credit Card, not me, to immediately remove the charges on my account and solve this matter as soon as possible. The fraudulent charges total {$92.00}. Can you help me in this matter? Thank you! 

P.S. I am attaching the XXXX letters which I sent to Ally Credit Card regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry on my credit report. I visited a car dealership that was supposed to run only XXXX account for me, but instead, they ran my credit for multiple accounts and resulted in multiple hard inquiries on my credit report. I did not authorize this inquiry, and I was not informed that my credit would be checked for multiple accounts. 
I am requesting that this unauthorized inquiry be removed from my credit report immediately.Please investigate this matter and remove the inquiry from my credit report as soon as possible. 

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

I recently discovered a mistake in my credit report that does not align with my personal records, which has caused me some concern. This inconsistency could potentially affect my credit standing, and I would like it addressed as soon as possible. Please take the time to review my report and correct any errors you uncover. Thank you for your cooperation and for ensuring the integrity of my credit profile.
Product: Debt collection

I fell behind on HOA payments for several months. I made multiple due diligence payments towards the past due balance. My account was sent to a 3rd party collection agency ( attorney 's office ) without notification in XX/XX/2016. The bulk of balance due ( XXXX ) was late/legal fees. I never heard from the HOA company or the 3rd party collection agency or had an opportunity to dispute the fees. Once I realized the account was sent to a 3rd party collection agency, I made payment for the full balance due, directly to the 3rd party agency. Although the debt was paid in full on XX/XX/XXXX, the past due balance has not been removed from my account and it still remains in " legal '' status. Additionally ... .late fees continue to be accrued.
Product: Debt collection

Debt was paid off and debt was resulted from identity theft and fraud embezzelment. 

As you know I have reported my identity was compromised. 
Po ; oce re [ port and Identity Theft Victim 's Affidavit had been mailed to you and to the bank institution. 
I asked that the charges be taken out of my billing. 
Please respond within the next 30 days that the charges are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to short sale my house a number of years ago and i was told by the mortgage company to stop making my payments every month since we were short selling it and it would not effect my credit. Now that I am trying to buy a house i see that it shows 3 months of late payments from back in 2015 when i was short selling the property. This is effecting my score and it should not be there as i was told they would not report me late. Please assist me in trying to get these removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was disputing a collection on my Equifax credit report. When my credit report was updated to say an investigation was in progress, the date of the account was changed and my credit score immediately dropped 46 POINTS!! Why am I being penalized for trying to lawfully dispute something in my credit report? > In addition, the statute of limitations for reporting this collection on my credit report will expire in the next few months.
Product: Credit reporting or other personal consumer reports

I received a prescreen offer of credit email from XXXX on XX/XX/year>. The email indicated I was approved for at least {$3000.00} in credit, and that information was used from my credit report to make this offer to me. I permanently opted out of prescreen marketing from the listed bureaus about 7 years ago.
Product: Credit card or prepaid card

Barclays Bank, without prior notice, closed my XXXX credit card. They say they closed my account because of inactivity ( See attached letter ). The decrease in the amount of credit available to me will cause a decrease in my credit score. Also the loss of the credit line, which I've had for many years, will also cause a decrease in my credit score. 

As a result of this precipitous action, Barclays Bank is negatively affecting my credit rating and ability to get credit in the future.
Product: Debt collection

I don't know who this company is. I can't dispute or try to attempt to fix something i don't know who these people are. Also, the amount is for {$590.00} for the dates of XXXX XXXX. I have had my identity stolen so i can't trust this at all.
Product: Credit reporting or other personal consumer reports

1st box I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit card or prepaid card

I have a non-reloadable VISA debit card with {$150.00} in it. I have been trying to use the card for months, but for some reason, online merchants would not accept it. I tried to use it in a grocery store today XX/XX/19, but it would not go through and claimed that it has expired. I called the company, OmniCard.com at XXXX, for help, but they just told me my {$150.00} is gone! Please help. It's quite a lot of money to just forget about. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX mortgage, credit card and firstsources XXXX XXXX must admit their records are fraudulent of a foreclosure sale in 2004 is false and after due diligence of going to mycoverageinfo.com/chase and after putting in my last name XXXX, zip code XXXX and Loan number XXXX that you are confirming on the CFPB portal I am the owner.
Product: Debt collection

In XX/XX/XXXX I opened a XXXX credit card, I had a {$1400.00} balance and I defaulted on it a year or two later. In XX/XX/XXXX they tried to put a lean on the checking account. Since I 'm on XXXX they could n't take money since I get government checks. Skip to XXXX XXXX, I got a letter from one of my credit card companies that they were inquiring my information. I called to find out what was going on. They said that I owe {$4700.00} and I needed to pay it back or they were going to take court action. I asked if it could be reduced to the original amount plus lawer fees they rejected it and said I had to pay back the full amount. So to avoid the court action I agreed to pay {$100.00} a month for a year then $ XXXXfor a year then {$150.00} for another year, with a final payment of {$91.00}. They said that was the only way to avoid court action. Being on XXXX I can NOT afford this. I say one of your reps on XXXX XXXX, so wondering if you can help me in this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get all 3 Bureaus to look into this account now for a about 3 months. I know that all my information must be correct or it needs to be removed. I have been asking to have this account looked into and I haven't received any information on my dispute. When you look at this account it states that my late activity was in XXXX. How can I have any activity in XXXX when the account has been closed since XXXX? XXXX has no payment history. Equifax has been charged off since XX/XX/XXXX. XXXX has been been charged off since XX/XX/XXXX. Nothing makes sense and I haven't heard from anyone about my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed with TransUnion several times by mail and online i have even called TransUnion .They are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX i have my XXXX XXXX report and its not on there at all so that means TransUnion is false reporting and i want it removed. I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.
Product: Checking or savings account

I Have deposited a check of {$30000.00} into my account on XXXX XXXX it took 7 days to verify. they was able to verify it by calling the sender of the check who is a person I have been knowing his name is XXXX XXXX. he seen my struggle in life and decided to help me fund a new business of XXXX 

I used the ATM and XXXX to send funds to another person to get some equipment. reason why it is because we had a four day holiday BANKS were close and I needed to have some fund available, about {$10000.00} TODAY XX/XX/XXXX I tried to use my card and it would not let me, I tried to login in my account and I could not. SO I called pnc and asked for help instead they put my funds on hold and request me to wait XXXX days for them to review funds. funds that they was previously able to verify I and the person who wrote the check are willing to go in into the branch to see What is going on
Product: Debt collection

This correspondence is to notify XXXX that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''.

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, ASPIRE debt collection practices are in violation of the FDCPA. Please see attachment for further details.