23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I believe I have been a victim of identity theft. I noticed in XX/XX/2022 that there were unauthorized charges to my bank account. The suspect also opened up a checking account and added 3 debit cards to my checking account. I reported fraud with XXXX XXXX and closed all my accounts and reopened new ones. I then contacted the 3 credit bureaus to add a fraud alert. On XX/XX/2022, I noticed 2 derogatory accounts from XXXX XXXX XXXX in the amount of {$6200.00} reported by Resurgent Receivables LL and XXXX XXXX in the amount of {$78.00} reported by XXXX XXXX I would like to dispute and request that you remove these from my credit report as I am a victim of identity theft and those accounts do not belong to me. Please let me know if you need anything else from me or have any questions.
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. 

Account name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, account names : XXXX XXXXXXXX XXXX XXXXXXXX, account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX, account name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  bankruptcy discharged reference # 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 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: Checking or savings account

I have a checking account with Current online bank. After I got out of the hospital I found that my account did not have the money in there that was there prior. It looked like someone sent themselves money through XXXX XXXX  or something and all of it was unauthorized transactions! I live in a small town with no family and really no friends so I dont have anybody looking after these things for me or checking my bank accounts for me. I was very sick and had no clue this had happened until way later when I returned home and noticed when I went to pay for some medication through that account! I spoke to them on the phone and explained my situation and they acted as if they were going to help me in my favor. I have been waiting and waiting and just looked and it said that it was closed and I chatted with an agent and he said that I will not be refunded and that the case was closed. They never notified me or anything to let me know any of this! I dont know what they base their decision off of but its unacceptable. I would hundred percent did not do or authorize those transactions and Im being made to suffer because they are basically calling me A liar as far as Im concerned! I have never dealt with a bank that does not honor the client in a situation like this! I am in tears and shaking Im so upset and confused. I am broke and desperately need to be refunded that money back. I have attached pictures of the amount and dates and details from my account! If clarification or more details needed you can reach me at XXXX or at XXXX XXXX
Product: Debt collection

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NATLCRSYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

It is unlawful to report inaccurate information on my credit report. XXXX aka XXXXXXXX XXXX XXXX XXXX XXXX XXXX repeatedly publishes inaccurate information and has forced me to sue in state court. You ignore all evidence repeatedly, u fail to provide me with the docs they gave u to affirm their inaccurate publications, u allow and protect their inaccurate credit reporting willfully and aggressively against me. The debt XXXX continues to affirm is a mortgage loan that was induced by fraud and thus is void at the execution and the law does not allow to be affirmed with payments. Despite this XXXX knowingly and intentionally applied money from check XXXX {$79000.00} into a principal reduction of the loan. Then XXXX took out the money that lowered my principal {$73000.00} and applied it to monthly payments to increase my principal over {$20000.00} and pay themself that amount. You have failed to get proof they paid my home ins XXXX XXXX, you have failed to get proof that the loan was not canceled within the statutory period, you have failed to get proof that I EVER made a payment to this loan. But for some reason you think you can ignore that proof and just keep sides with the inaccurate publication. I dispute the enforceability of this debt so you must do the minimum and get proof that I did not cancel with the XXXX day statutory protection I have. That means you must obtain at the least proof from the company that they or some other person EVER delivered to me the statutory cancel docs. You can not get that proof because those docs were NEVER delivered. The loan was canceled. The evidence proves it. You failed to get proof that I ever got those XXXX written cancel docs accurately filled out. The face of the docs even have the wrong address and include the house across the street. They are facially inaccurate but u ignore that. You dont care. U use any other means of affirming this debt. U use means above and beyond reasonable means to ignore my evidence and side w the company. That is not for u to decide. U must not ignore my proof. You must get proof from the other side that I failed to cancel this debt within the statutory time. Next they will say I owed more money. WRONG!!! I sustained financial injury as a result of the fraudulent inducement for 6 months of this mortgage. That is not for this co to decide or you but a court. I paid back all money per contract terms. The amount in disput is an unliquidated debt that is in despite. U dont get to decide to enforce this debt or publish it as accurate when the very foundation is in dispute. U have a standard of care and you are well below that standard of review. Fix this and remove the debt now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spoke with personnel from Experian, XXXX, and XXXX about the possibility that fraudulent accounts may have been recorded on my consumer file. Since I didn't know how the accounts got there or anything about them, I urged them to erase them. I was given the go-ahead by all three companies to file the necessary documentation and finish the FTC report XXXX I sent my letters by certified mail on XX/XX/XXXX. Despite the fact that the accounts are not mine and had been on my report for more than 30 days after I sent my letters, they were somehow " verified. '' Since it hinders my family and I from making purchases, this issue has me perplexed and annoyed. I contacted all three businesses once more on XX/XX/XXXX and inquired as to how they could confirm that these accounts belonged to me. They merely told me to get in touch with the creditors directly and said they couldn't help any further. When I tried to contact each creditor who had been falsely claiming on the consumer file that they were unaware of me or the accounts, it didn't surprise me. I had exhausted all of my alternatives, so I turned to the CFPB website, which some of my friends had suggested I check out in my predicament. Since my family and I are attempting to submit an application for a house, I genuinely hope that this is useful.
Product: Credit card or prepaid card

This relates to XXXX with Barclay 's Bank. The charge in question in in litigation. Therefore still in dispute. Yet the bank that did little to dispute the charge is fraudulently reporting this to credit people as past due. The merchant ordered the wrong equipment and is not man enough to admit their mistake. XXXX ordering materials was new in his job and likely did not know there were two different model GPS units available for the vehicle. I do not pay for wrong materials. Stonewalling this complaint with the same bank blind eye does not make it right. 

XXXX XXXX
Product: Credit card or prepaid card

Bank of America denied me for an application for a business credit card. I have a XXXX credit score and we have been in business since 2018. 

They claim we do not have enough information reporting about our business, and I am the personal garauntor of the application, how can they not find any information about me but XXXX just approved me for a business credit card for over $ XXXX? 

Bank Of America should be offering its services fairly to all, but I can't get approved for a simple credit card? 

The reason they denied my application is not a valid reason not to give someone ANY credit whatsoever.
Product: Credit reporting or other personal consumer reports

I have sent several disputes to this company regarding a charge off from XXXX XXXX XXXX in the amount of {$30000.00}. Account number XXXX According to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS considers canceled debt as income and income can not be reported as a debt on ones credit report. 

This is also in violation of my privacy according to the Violation of Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a
reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I was informed via email that an erroneous debt on my credit file would be looked into as an error ( which it was ) by the company, XXXX XXXX that sold it into collections. XXXX investigated and found the debt to be in error, actually refunded {$57.00} that was owed to us. Several letters and communications were forwarded stating that XXXX recognized their mistake and would cease, themselves, and also require the collection agency, XXXX XXXX, to cease all collections. XXXX XXXX was required by XXXX and by law to systemically remove the negative file reported to the XXXX major credit bureaus. XXXX XXXX then sent letters to me stating they would correct the reporting error but did so for two of the bureaus while leaving the reporting cycle for Equifax open. Over a year has passed since I informed XXXX XXXX, a Minnesota-based collection agency, that they were in error concerning a debt that was not mine and I refused to pay. Doing so has caused a great loss to my personal and financial well-being. I am now in the middle of purchasing a new home which is due to complete building soon. The continued negative reporting with Equifax refusing to remove this remark is causing suppression of my credit score and potential loss of my financial investment and social need for shelter for my family and myself. I am asking the CFPB to intercede on my behalf because Equifax states that a request to remove the error has NOT been made by XXXX XXXX, while XXXX XXXX XXXX supervising agent over the file, XXXX XXXX, states that the error request was submitted in XXXX ( but also stated the same thing in XX/XX/2020 ), but the item is still reporting. It's well after the legal amount of time to remove the error, but XXXX XXXX states they will do nothing more to have it removed. Equifax continues to state that there has been no request sent from XXXX XXXX and that must be received first before they can comply. I am attaching documents for review.
Product: Debt collection

I have a collection account on my credit report that is full of inaccurate information. I have disputed and even attempted to resolve this collection account with the collection agency, but they were unwilling to settle. The inaccurate information I spoke of earlier is that : 1. this account is not mine. I was listed as a resident on this account. 2. The amount of the account is wrong. The amount on my credit report is twice the amount of the original debt 3. The account is past the statue of limitations so no legal action on this account can occur. the original reporting date is in 2011. As stated earlier I have disputed this account several times, and each time returned as valid debt. how can that be a valid debt with all of those inaccuracies. I also attempted to resolve the debt with the collection agency. This account is listed as an interest bearing account. Interest bearing account on a 6 year old zombie debt that is well past its statue of limitations. I have made every attempt to resolve this debt with no avail, any assistance in this matter will be greatly appreciated. 
Thank you in advance.
Product: Credit card

I contacted Chase early XXXX regarding a credit in my account for {$110.00}. They sent me an email on XX/XX/2023 that states " we have sent you a payment ''. The choices to collect the refund were click accept money and continue on to create an account or let the email expire for 4 days then they will send a physical check to my address. I waited for a month, no check arrived. 

I called on them on XXXX XXXX, XXXX, the person that I spoke asked to verify the address, it matches their record. She said she will send me the same email and to not do anything with it, this way the paper check will be mailed. It is XXXX XXXX and I still no check. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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, TX XXXX XXXX po box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
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. 

MICHIGAN XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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: Vehicle loan or lease

I called the company on XX/XX/XXXX about my car loan that was bought in XX/XX/XXXX and asked about payments, and asked why my principal balance only dropped around {$800.00} in 2 years, I have paid over {$9400.00} to them and I still owe almost what I financed. The service rep tried to tell me that if payment was due on the XXXX  and I did not make the payment till the XXXX or XXXX that all the payment went to interest. I don't understand how the are figuring this out, because most companies have a 5-7 day grace period. I need better understanding of how this works..
Product: Credit card

I had a XXXX account opened XXXX/XXXX/XXXX and closed around XXXX XXXX. This account was closed because of fraudulent charges. At this present time the creditor is reporting my account as Charged Off. I called several time to rectify the situation and the Supervisor continue to state that they will correct and update this information through the credit bureaus. Once again they continue to apologize for they mistakes.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number ending in 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 reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX, XXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agencies or persons has violated the following fair credit reporting act sections on my consumer reports : 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting, 15 U.S. Code 1681e - Compliance procedures- ( a ) Identity and purposes of credit users, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681a - Definitions ; rules of construction, and 15 U.S. Code 1666b - Timing of payments. Equifax is reporting the following accounts and information violating the laws I listed above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I've also attached the fair credit reporting act laws so the person can read the laws they violated.