23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an alert on my credit report that I have an account placed in collections. It said for AR Resources. It says it was opened on XX/XX/2017 yet I received absolutely no communication from this company about this alleged debt giving me no time to dispute the validity of it or even pay before it hit my credit report if it was in fact valid. Under the fair credit act I am allowed 30 days upon receipt of a collections letter to dispute but with no communication from the collector how was I able to dispute? My rights were not given to me and clearly violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX
Product: Credit reporting or other personal consumer reports

in three day breaches Missouri XXXX XXXX XXXX XXXXXXXX my credit cards was hacked making my credit score go down my email XXXX and XXXX also my bank and routing number was compressed any additional info Ill send
Product: Checking or savings account

I won XXXX from legal settlement I won, and half was in form of a check in the amount of XXXX and a second payment of XXXX via wire transfer from my lawfirm. I opened an account at BMO bank and went into branch on haven in XXXX XXXX, and deposited it into my account. They said it would take 9 business day before it could be available. When it cleared, i went to withdraw and got declined. For whatever reason I had to call fraud and unlock my card. Then I was able to make to purchases before I went to the branch to withdraw XXXX cash they said I could not get. I left the bank went to make a 3rd purchase it declined. I went back to the bank and the branch has put a freeze and locked me out of my account and refused to tell me why. I am being profiled and discriminated against.
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 U.S.C. 1681. 

XXXX & XXXX : XXXX # XXXX, Dept of ED/XXXX : XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have 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. 1681 C. ( 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 ante dates the report by more than seven years.

15 U.S.C. 1681 S-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 recently received my credit report, and some inaccuracies are reported to my credit file. I am distressed because I gave XXXX, Equifax, and XXXX notice that they were unlawfully reporting inaccuracies to my file and my claim has been ignored. 
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, credit reporting agencies can bet that I'll be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, credit reporting agencies must report any allegations with the greatest compliance and accuracy possible. If credit reporting agencies do report such claims, they could be subject to fines or other penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following have violated my rights : Account name : XXXX XXXX XXXX Acct # : XXXX, Account name : XX/XX/XXXX Acct # : XXXX Account name : XXXX BANK XXXX XXXX. Acct # : XXXX Account name : XX/XX/PPC Acct # XXXX XXXX Account name : XX/XX/XXXX XX/XX/XXXX Acct # : XXXX, XXXX, XXXX Account name :XX/XX/CBNAAcct # : XXXX Account name : XXXX XXXX Acct # : XXXX Account name XX/XX/XXXX XXXX XXXX Acct # : XXXX Account name :XX/XX/XXXX Acct XXXX XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX : XXXX -- 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

XXXX XXXX is in this. As a follow-up to the last CFPB complaint I filed on XX/XX/XXXX, I am filing this one. On XX/XX/XXXX, I wrote to the credit bureaus and asked them to delete the following things from my file because they are unknown to me. I just learned about this regulation, and it states that credit reporting agencies must delete all accounts and information no later than XXXX business days following XX/XX/XXXX, as per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). This was also mentioned in my earlier complaints XXXX XXXX XXXX XXXX and # XXXX, therefore I'm mentioning it again. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed items belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification. In the event that the Credit Bureaus do not comply with the requests, please remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reported on my credit report. I have contacted all XXXX bureaus and let them know that this is my fathers bankruptcy. XXXX removed the account, however experian and XXXX verified this account was mine. I have explained to them that me and my father have the same name and address. They refuse to remove it. If you look at my credit report, i have no items included in the bankruptcy, which is impossible if it was really my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX of the credit monitoring companies have penalized my credit score due to lack of installment loan. I had a car lease and loan with XXXX. I sent a notarized letter from XXXX stating that I paid off my lease and loan with them. All of the credit monitoring companies responded to my recent complaints as follows : information was not reported by XXXX I was straightening out some files today and found old credit reports from XXXX and XXXX that have XXXX reporting my car lease/loan. Please tell me why my XXXX XXXX is docked when XXXX reality they always had this information. Why do I not have a perfect score when I break my back to always pay everything off and on time {$0.00} statement balance.??? Sources XXXX XX/XX/XXXX confirm # XXXX p. XXXX and XXXX XX/XX/XXXX report # XXXX
Product: Debt collection

Navient call me at least four times a day on my home phone and cell within minutes after talking to them over the phone. They have caked my home at XXXX on the morning and then again on the hour sometimes after talking with a person there will be calls on the hour from a recording. They have called my home as late as XXXX then an automatic call will chine in within minutes of one another. I pay on my loan every month i was told today that Navient was going to take legal action against me. I am pretty sure that I 'm being harassed and to day i was threatened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Capital One that a credit card that I have had for more than 4 years is not being reported by XXXX. I spoke with Capital One and I was told that the cards is reported to all the three bureau. 
The card in question is a Capital One platinum master card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 an unauthorized person. used my ssn and tried to open a XXXX  credit card. 

I reported the fraudulent transaction to XXXX  and trans union. 

XXXX did not open the credit card and trans union advised me to report the incident to the federal trade commission.
Product: Credit card or prepaid card

I called USAA credit card. Told them about the issue we have been having. Had the XXXX  with XXXX in XX/XX/2020, lost job in XX/XX/2020. 
I was paying and since Texas was affected by the winter storm, we didn't have any electricity for a week and it was during the time I needed to pay the payment. ( XXXX XXXX XXXX ) Dates Plus our bank account didn't have any money because, the unemployment is sending the money. Plus we were waiting for a check from our thrift fund. The social security wasn't there either. 
All I was asking for was a {$25.00} late fee. 
I really think USAA is messing with there customers. 

USAA says on the phone that they are willing to work with you if you are having a hardship. 
Well I even told that to them and they didn't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of their inquiry issue, and their customer service would not help take care of the negative inquiries on my credit report listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The debt was dismissed in court. The original debtor sold it to a third party who is doubling the amount and requesting payment of a debt that was dismissed in court. This is an act of unfair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX High balance of {$450.00} from XX/XX/XXXX XXXX ; {$500.00} from XX/XX/XXXX XXXX ; {$520.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX High balance of {$1600.00} from XX/XX/XXXX XXXX, XXXX XXXX XXXX ( Balance {$370.00}, Balance {$1400.00}, Balance {$490.00}, Balance {$370.00} ), XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX & XXXX  XXXX Balance {$160.00}, XXXX XXXX XXXX XXXX XXXX Balance {$82.00}, XXXX XXXX XXXX IN XXXX Balance {$390.00}, XXXX XXXX XXXX IN XXXX XXXX {$160.00}, XXXX XXXX XXXX IN XXXX Balance {$160.00}, XXXX XXXX XXXX IN XXXX Balance {$270.00}, XXXX XXXX XXXX IN XXXX Balance {$160.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, 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: Prepaid card

On XXXX XXXX 2017 I needed to make a few transactions at a XXXX atm machine ser # XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX fl, useing my American Express Serve XXXX pre-paid card i made my first transaction for XXXX $ which i recieved my cash, i made my second transaction for the same amount XXXX $ which i didnt recieve from the atm, so i retryed a thrid time still i didnt recieve my cash, so i decided to check my card balance n my account was charged XXXX $ for 2 transactions that i never recieved, I called american express serve cusomer service and explained what jus had happen, they told me that they will review n investigate my dispute, and send me a email, On XXXX XXXX i recieved a email seying that a review was made n that i violated the consumer user agreement n that my account n card is supspended, i never did nothing wrong, i was jus trying to get some of my tax refund money off my card, why did they take my money,
Product: Checking or savings account

XXXX XXXX I logged into my Chase account and scheduled funds transfer of XXXX  USD I got message this is being reviewed and then below email message came to my XXXX acc From Account Ending in XXXX Transaction Number : XXXX Dear Customer : We canceled your wire transfer request as part of our security review. 

If we have not spoken with you about this, please call us at XXXX and enter option 3 to prevent further restrictions on your account. 

Sincerely, XXXX XXXX XXXX Banking I am currently stuck in XXXX due to Pandemic and no fly restriction from my company but when I call the given number mentioned in mail - it goes to automatic robotic instructions with endless waiting time When I re login to my account I got a message We locked your account to protect it from suspicious activity. 

Now I am stuck outside XXXX and unable to withdraw my own funds that I need urgently here Please help Thanks XXXX XXXX My XXXX # XXXX XXXX My XXXX # XXXX - I m unable to use this here in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I recently received the results of my dispute regarding the late payments reported on my credit file. I appreciate your prompt response ; however, I have some concerns that need further clarification and action as per the Fair Credit Reporting Act ( FCRA ) that wasnt followed. 

Late payments reported on my report are as followed : XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In my dispute, I requested documentation verifying the late payments in question. SO, WE DONT WASTE NO MORE TIME. IM NOT ASKING YOU TO VALIDATE THESE LATE PAYMENTS! 

IM TELLING YOU TO PROVIDE ME DOCUMENTATION OF WHO YOU CONTACTED, NAME OF CONTACT, PHONE NUMBER OF CONTACT, DETAILED DOCUMENTATION VERIFYING THESE LATE PAYMENTS. 

According to the FCRA, specifically 15 U.S. Code 1681a ( Definitions ; rules of construction ) and 15 U.S. Code 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), there are stringent requirements for ensuring the accuracy and integrity of information reported on consumer credit files.

15 U.S. Code 1681s-2 ( a ) outlines the duty of furnishers of information to provide accurate information : 1. Prohibition : ( A ) Reporting Information with Actual Knowledge of Errors : It is prohibited to furnish any information relating to a consumer that the furnisher knows or has reasonable cause to believe is inaccurate. 
Additionally, under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Given these provisions, I request detailed documentation verifying these late payments, including : 1. The specific records used to verify the late payments.

2. The identity of the person or entity you spoke to who verified the late payments.

3. Any additional documentation that supports the accuracy of the reported late payments.

It is my right under the FCRA to receive a thorough investigation of my dispute. The information provided must be accurate and verifiable. If the reported late payments can not be adequately verified with documented proof, they must be corrected or removed from my credit file. I want these late payments updated to paid as agreed or OK.

Please respond to this request with the necessary verification documents within 30 days. Failure to provide sufficient documentation may result in further action to ensure my rights under the FCRA are upheld.

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

What's Happened? 

I opened a Home Equity Line of Credit with XXXX on XX/XX/XXXX for {$42000.00}. Using my bank account, I set up an auto payment for {$500.00} a month and on XX/XX/XXXX paid {$500.00} so the total amount due from {$42000.00} was down to one final payment of {$150.00} ( so I thought ). It was actually {$150.00}. I went ahead and paid through a one-time payment from my bank account {$150.00} on XXXX XXXX, XXXX and didn't cancel the {$500.00} auto pay. Thinking the home equity line of credit was paid off and not worried about payments, the auto pay continued to send {$500.00} on XX/XX/XXXX, another on XX/XX/XXXX and XXXX more XX/XX/XXXX. I was credited back each time for {$500.00} and my bank stopped the auto payment on XX/XX/XXXX. -- THIS IS NOT MY COMPLAINT. 

In XX/XX/XXXX, after what I thought was my final payment XX/XX/XXXX of {$150.00}, XXXX XXXX app updated and showed that XXXX closed my account at the same time ( XX/XX/XXXX ). Learning now, it wasn't because the account was paid off. They sold my mortgage of {$150.00} to XXXX ( Who are they? I had no clue ). I thought they were a scam company. Neither XXXX or XXXX reached out, never showed another mortgage company on my credit history and had no idea XXXX sold my {$42000.00} loan from XXXX for {$150.00} right before my final payoff. The account was closed or so I thought. On XX/XX/XXXX - XXXX  just reported to XXXX and Equifax that I haven't paid my mortgage and my credit score dropped like XXXX XXXX in XXXX XXXX XXXX PunchOut. After hours on the phone with XXXX, I was told that I couldn't payoff the amount of {$150.00} because it has to be a certified check or money order ( Unfortunately, we are now dealing with CoronaVirus and that isn't getting sent out any time soon ). AND, They are charging me the {$150.00} PLUS, interest of {$8.00}, PLUS, {$16.00} late fee, PLUS {$100.00} recording fee. So not only my credit was hit, but my final payoff amount went from {$150.00} to {$280.00}. Oh, and please don't forget I had my auto pay set up this entire time to XXXX until XX/XX/XXXX getting the payments credited by to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I noticed some inaccurate data reporting. I reached out to all three credit BUREAS to request validation of the debt with XXXX XXXX, under the FDCPA and FCRA sec 609. One of the bureaus removed the item and the other two have continuously reported the data without proving any verifiable proof other that the Creditor verified the data. I also sent proof of the deletion results from XXXX  showing the investigation was done and the information was incorrect, incomplete or unverifiable. The Credit BUREUS are  required to notify all other credit reporting agencies of their results.
Product: Checking or savings account

Chase offered s Refer -a-friend bonus of {$50.00} for refering people who opened an eligible checking account. Under my personal account, my bonus summary shows I have earned 5 bonuses. But I have only been credited for 4 of them. The dates under my personal summary show I was credited {$50.00} on XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. However, I was not credited {$50.00} on XX/XX/XXXX. I have tried to resolve for almost 3 months with Chase and they simply refuse to acknowledge what I am saying and refuse to research or remedy it.
Product: Checking or savings account

I have been contacting Citibank in reference to a check I deposited since XX/XX/2019. They informed me that the check would not go through and was therefore a bad check. However, it did end up being a valid check in the amount of {$410.00} and I have been trying to access my money since XX/XX/2019. They give me a false excuse every time I call and were supposed to close the account and send me out a check within 60-90 calendar days from the initial date the check cleared. It has been more than 5 months and every time I get a statement in the mail it shows that my money is still there. I have no access to it as my debit card is cancelled and I need my money. They're lying to me and have been this whole time.
Product: Checking or savings account

I had an account with peoples back which has changed to M & T We had bought checks for around XXXX $ worth After the merger/acquisition, the past checks will be valid only until XXXX. 
When we asked the branch if they would replace our checks, we were told that we could just use our checks completely ignoring our request. This ignores that our checks will not be valid in some weeks. 
This is just an extra fee and extraction from the back. 
We will try asking the branch again ( we dont have much hope though ) Hoping that your organization can make this right to all this banks customers. 
Best
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my XXXX Equifax and XXXX that DO not belong to me I have been disputing these for almost two years and nothing has changed and no response back I need these off my credit because they do not belong to me. I dont know how else to do this and how to explain to the bureaus that these are not my accounts, XXXX - Acct # XXXX Amt {$31000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$8100.00} Opened XX/XX/XXXXXX/XX/XXXX