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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( XX/XX/2023 ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate ; XXXX XXXX XXXX XXXX
Product: Debt collection

I originally asked them to stop calling me on XX/XX/XXXX. They called me again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

This is the first time I've can looking at my account. I have seen unauthorized charged and over charged for the transaction. I would like for the bank to help or worked with me, reimbursed the funds back to my account. I am an identity theft victim. Someone has my information. I have filed Affidavit of Identify Theft Victim.
Product: Bank account or service

An unauthorized charge appeared in my account. I disputed the unauthorized charge and the bank told me that it will take 60 days to complete it 's investigation, but has not credited my account. I contacted them after 2 weeks past and asked why they have not issued a provisional credit yet and they told me they do not issue provisional credits, that I would have to wait until their investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments from XXXX XXXXXXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Balances showing {$200.00} and some dollars. Was report by XXXX XXXX however when I spoke to them they said that I was still in good standings and did not owe them anything that I'm on pay-as-you-go with a payment of XXXX amount. 
I would like this removed from my credit due to damages that it's done to it
Product: Debt collection

MS Services// XXXX XXXX XXXX XXXX payment confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

1. XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive mailed over countless letters to All 3 major credit bureaus and alleged creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) each creditors violated my consumer rights under the FCRA and I stated to XXXX that each creditors was allowed their full 30 days plus additional 15 days to respond back to mailed CERTIFIED letter I requesting verification of debt! Which all failed to do so! Under the consumer law 15 USC 1681eb that i have a right to a complete and UPDATED AND ACCURATE CREDIT REPORTING! Or all can and will be sued in state and federal court!
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR CREDIT INVESTIGATION,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX XXXX  on two separate occasions requesting lawful information under the Fair Credit Billing act. All letters were sent via priority mail with tracking. All requests were received by XXXX 'S Credit Dept, yet ignored. These are clear violations of the Fair Credit Billing Act. The interesting part is that I've disputed this account with all three credit bureaus on multiple occasions and the bureaus " claim '' that XXXX XXXX  responds to them and verifies the account. It's become very clear that the information I'm requesting no longer exist with XXXX XXXX. 

After sending letters to the original creditor and not getting a response I decided to dispute it with XXXX, Equifax and XXXX. I've even sent them a copy of the letters sent to XXXX XXXX and asked them to remove the data but they have also ignored my request. The bureaus can clearly see that I've put forth effort to reach the original creditor for verification/documentation but they decide to leave it on my credit file. The bureaus are violating the FCRA by allowing this data unverified data to be reported. 

I've attached all correspondence sent to XXXX XXXX, including my most recent letter dated XX/XX/2019 which is being mailed out today. Delivery confirmation of previous letters is also attached.
Product: Credit card or prepaid card

On XXXX XX/XX/2022 at around XXXX XXXX Pacific time Bank of America took {$1000.00} from my account. I I am mediately became aware of the situation within minutes of the error made by Bank of America due to the fact of needing the funds for rent. Moments after this happen I immediately contacted the bank in hopes they can spot the air since it was solely in their responsibility and hopes they would take care of me without any problems. That of course did not happen quite as I intended, hence why I am filing the complaint, Bringing this lack of a Concern and service Bank of America gave to me to you guys the professionals obviously to make sure I get my money back up of course but as well as to enlighten you on this negative experience and wrongdoing a Bank of America. I know Im not the only one so I am doing this for all the concerns and hopes that these kind of things wont be so impactful on innocent civilians who are working dollar for dollar just trying to get by. It also does not help that two days prior of this happening I had gotten My tests back for XXXX resulting in a positive test. Unfortunately I had low energy and no desire to try and get through to the customer service line although that is exactly what I had to do I am not happy and I feel like me being individual in the bank being a big corporation I was looked over and not cared about. Ive been out of work for over a week now due to XXXX it will continue to be out of work for the next eight days taking a big toll on my income and my living situation as well unfortunately. I am still sick matter of fact I can not go into a Bank of America in a physical way Due to the obligation I have to fellow citizens XXXX XXXX XXXX XXXX XXXX If I didnt feel This being important or the need to file a complaint I would not even have called the number listed under the XXXX website. Now that I got my voice in my concern and situation above I feel a little bit better about the next couple weeks have something actually happening for me. Again this is about Bank of America stadium that {$1000.00} has been with withdrew from my account at the local branches ATM on XX/XX/2022 where the ATMs that whole day were NOT in service, NOT diapering cash for nobody. It should have been an easy error to navigate and correct since it was their own networks however it did not happen like that. I filed claim and what not but that all takes time and in my situation time is the last thing I would be able to afford for an error from this bank, and making me have to struggle at times like this should not be tolerated.
Product: Debt collection

XXXX is a rep for this company XXXX extension XXXX. to stop reaching me since my business went under after the pandemic happen, i try and keep up after i took the loan I made 5-7 payments, however my company went under. now this company is reaching out to my relatives, all over the states that they have a legal case against me, on a text message knowingly that they are reaching a third party. with the excuses that this message is for XXXX XXXX or XXXX XXXX XXXX. revealing there is debt owed. 

my relatives have received over 60 phones calls and over 30 messages. 



i wish then to stop harrasing my relatives and discussing my business with third parties they have violated several laws in references of collections practices and TCPA laws.
Product: Debt collection

XXXX XXXX Exter Finance Auto Loan. Account Number XXXX. This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
Product: Debt collection

I sent a letter to first credit services not to contact me by phone. I 'm still being harrassed to this date with threating and other tactics
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability toobtaincredit. 

I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me Agency Name : XXXX XXXX XXXX Date open : XX/XX/year> Account : XXXX High Balance : {$330.00}
Product: Credit card or prepaid card

In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX  Has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 6048 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment or a credit card account under an open end consumer credit plan as late for any purpose Amount XXXX
Product: Payday loan, title loan, or personal loan

I HAVE BEEN PAYING SEEDFI FOR OVER A YEAR AND WAS WORKING ON INCREASING MY CREDIT SCORE. WE TOLD BY COMPANY ( SEEDFI ) THAT IF I PAID A CERTAIN AMOUNT BIWEEKLY I WOULD BE APPROVED FOR A {$500.00} CREDIT CARD AND IT WOULD INCEASE MY CREDIT SCORE ... .SO ABOUT LAST YEAR SOMETIME, I RECEIVED A CALLFROM XXXX  OFFERING ME A LOAN FOR {$1700.00} AND TOLD THE LOAN AND WAS TOLD I WOULD BE PAYING {$110.00} BIWEEKLY. WELL I STARTED TO STUGGLE MAKING PAYMENTS BECAUSE I WAS OFF DUE TO COVID LAST YEAR AND I JUST FINALLY TRIED TO SPEAK WITH SOMEONE ABOUT THIS. I WAS TOLD I COULD NOT REDUCE MY PAYMENT AND IF NOT PAID THEY THREATEN TO REPORT ME TO THE CREDIT BUREAU IF NOT PAID IN FULL. I HAVE SPOKE WITH SEVERAL PEOPLE ABOUT THIS ACCOUNT, I EVEN ASKED THEM TO LET ME JUST PAY OFF THE LOAN, THEY TOLD ME NO AND THAT I OWE THEM {$4200.00}, THEY SAID THE INCLUDES THE {$2500.00} THEY HAVE IN A SAVINGS ONCE I PAY-OFF THE TOTAL AMOUNT DUE. I AM SO CONFUSED AS TO WHY I OWE THEM SO MUCH. I DON'T WANT TO BE IN THE PROGRAM ANYMORE AND WANT TO JUST PAY OFF WHAT I ACTUAULLY OWE. PLEASE HELP.
Product: Checking or savings account

Hello I have been in contact with Citizen Banks since XX/XX/2023 on several different times in regards to my accounts savings and checking accounts. I have explain more times that one that I have been in contact with police department, XXXX and my phone carrier as my personal information has been taken off my device illegally from employees Ive had to fire. I have communicated that I do not feel safe having the same check and savings account numbers because the people that stole my information are posting my information publicly and they are still not doing anything to give me new account information or anything. They are not providing any information as to call in history or anything. Im left in the dark. I have have several issues with this institution but this is my first time filing a formal complaint with CFPB but Citizens Bank does NOT care about the safety nor privacy of the accounts of their members. That has been made VERY clear! On the phone, in-person, and in text message with their bank representatives. I have been told by their in branch associates that they really only care about high volume memebers and high volume accounts. I have had to speak with several branch managers or representatives as well as the chairmans office and overall this institution doesnt care at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Didn't receive any notice that I even owed any debt from what looks like 2 collection agencies listed on my credit report. Asked for verification of the debt from the reporting credit bureaus as I believe those collections are on there in error. Last contact with was via letter asking for them to validate the debt. Those letters were mailed XX/XX/2021. I haven't received any verification of the debt from the Credit Bureaus but got a responses that the accounts were verified and the disputes have been closed
Product: Debt collection

this company is negatively affecting my chance of repairing my credit, this amount was dismissed in court, i have the papers to proof it, i would like for you to remove this from my credit report. thanks
Product: Mortgage

During a recent transfer of my mortgage from CitiMortgage to XXXX XXXX I received a notice in the mail approximately 60 days prior that stated business would continue as usual and at that time would need to make appropriate measures to insure my mortgage was paid with XXXX XXXX. I established an automatic draft with my credit union to begin on XX/XX/XXXX ( the date the transfer became official ) to be paid to XXXX XXXX. Prior to the allotment to XXXX XXXX, CitiMortgage arranged with a subordinate company to draft biweekly payments from my bank account and continued into XX/XX/XXXX. I called the CitiMortgage biweekly plan manager. The staff member ( XXXX Employee # XXXX ) was not able to assist my request and stated I needed to send a written request to stop the payment. Thus, I asked to speak to a manager. She immediately came back and stated " the account managers were in meeting for the next hour ''. I asked if they could call me back to which XXXX stated " no, they don't have the ability to call back. I stated that I could end up in a perpetual state of call back if I didn't time my call just right. It didn't matter. My ONLY option was to call back. This inaction to stop " hijacking '' of my money should be illegal. It could place a financial burden on homeowners. The option to cancel a payment just as it is started or even the action to sell my mortgage to someone else should all face the same rules. I didn't ask to have my mortgage sold and they should have requested a written approval from me if they are going to continue to ROB my account until I submit a written request to stop it. This entire process of transferring my mortgage has been a fiasco. XXXX XXXX sent the message of action XX/XX/XXXX) after the action was already enabled thus they were behind the power curve to allow me ample time to resolve the issue without additional funds being drained from my account. With the biweekly call I requested to stay on hold until the account manager was available ; after ~15 minutes I was disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses, accounts and inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Nearly XXXX XXXX people hacked in National Public Data breach XX/XX/year> 2024
Product: Checking or savings account

I discovered check fraud on my checking account on XX/XX/22. The next business day, Tuesday the XXXX, I contacted Citizens Bank by phone to report the fraud. At the time, there were two checks which the amounts and payees were changed, one for {$1500.00} & the other for {$1800.00}.

The Bank explained that they would investigate. In the meantime, the account was changed to credit-only and I was asked to open a new checking account. The representative also told us that we would be receiving a provisional credit which after multiple calls and " expedited requests '' they filed for me, I have yet to receive. 

On XX/XX/22, a 'Declaration of unauthorized Endorsement - Altered '' form was mailed to the house. It was promptly filled out and returned on XX/XX/22. 

It has been over a month since initial contact. I've called multiple times to inquire about the investigation and also visited my local Branch. They aren't allowed to give me information and tell me that someone will call me back in two business day, yet I never receive a callback. Worst of all they continue to tie up {$3300.00} without a provisional credit. For checks that were clearly doctored, this process has taken longer than expected without regard for a senior citizen 's funds.