23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX : XXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF XXXX : XXXX, DEPTEDXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX : 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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.
Product: Credit card or prepaid card

XXXX XXXX / XXXX / {$450.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted XXXX to dispute a fraudulent charge off account with XXXX XXXX Bank. I never had an unsecured loan with that bank. I was told that I couldn't dispute the account nor could I remove the fraudulent address associated with the account. A letter was sent to the actual creditor and they had no contract of an unsecured loan with my name and SSN. I noticed on my credit report that the account went from {$18000.00} to {$13000.00} within a couple of days from talking to XXXX On XX/XX/2021, I got an alert from XXXX saying that the account was completely paid off. I never made a payment. I called XXXX on XX/XX/2021, and asked to dispute the account. I was told that the account can't be disputed ever again. I asked why and was told by XXXX ( rep for XXXX  Special Services ) that the account had been blocked for fraud previously but XXXX XXXX Bank sent XXXX documentation of a loan in my name and SSN. I asked why XXXX has never sent me this documentation and was told that I have to contact the creditor because it's not XXXX job to send documentation that validates a debt.
Product: Credit card or prepaid card

One theft stole my credit card to purchase almost {$700.00} products in store. I reported these fraud activities to Bank of American fraud dept which has refused to dispute these charges. The reason of this decline is that Bank of American found the theft used this chip card to make these purchases. According to them, it is impossible to duplicate my credit card with Chip. I have reported this to XXXX XXXX Police Dept, the detective has found the camera footage which can identify the female theft who had used my credit card to make these fraud purchases. I did send all police reports to Bank of American fraud department 2 weeks ago. Bank of America sent me a reject letter again yesterday and stated that they rejected my dispute request based on their research. I called fraud department again yesterday who claimed that they still didn't receive my police report. Bank of America is a company you can't trust, the people worked there didn't care about their customer and keep telling me there was no record. They refused to give me any further information until they received my police report. So I faxed my police report to their fraud department today. I will keep appealing until they dispute these fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries shown on my credit report were filed without my consent i need these items removed
Product: Debt collection

I was originally contacted over the phone by XXXX XXXX to make arrangements to collect a debt. ( I did not record the date, but it might be over 30 days ago. ) When they told me the amount and what it was supposed to be for I was sure it was n't my debt. They had my SS #, my married name ( though that is no longer my legal name ), a birth day that was close to mine, an email address I 've never used, an address and an employer that were mine, but from the XX/XX/XXXX. 

The company the lease was from was XXXX XXXX XXXX XXXX but i do n't know if that was a brick and mortar store or something online. XXXX said they did n't know either. The Leasing agency was XXXX out of NH. XXXX is out of CA. I live in Indiana, but not in the city that was used on the paperwork. I have n't lived there for almost 20 years. 

After explaining all this to a supervisor at XXXX XXXX I was told that I 'd have to dispute the debt and that they 'd send me something that I needed to respond to in 10 days. They did not send me anything in the next couple of weeks, and unfortunately I had not copied down all this info so I did n't know who to contact. 

Then I received a packet of info from XXXX that seemed to just be a copy of the debt they bought. It said our offices are " in receipt of your dispute '' but be advised we have contacted our client XXXX XXXX XXXX XXXX who has confirmed the name and address listed on the account as well as the amount owed '' There was a toll free number from XXXX which I called. It was late in the day on Friday after XXXX. I got a very confused sounding man with a foreign accent who said I had to call XXXX instead. ( Though XXXX has sold the debt. ) I called and left a message. 

Today XXXX called and was very insistent that the debt was mine and I was just trying to shirk my responsibilities. I asked repeatedly to speak to a supervisor but was told it would not do any good because they knew it was me and I needed to stop lying and just pay. That isnt word for word, but is the jist. Eventually they let me speak to someone who acted more reasonable but told me I had to file a police report and send them a copy. 

I contacted my local police who told me that was n't how it worked and told me to have the XXXX call him. I tried calling back with that information but was put off until later. 

I do n't know what else I should be doing. Do I need to file reports somewhere else? Do I need to contact credit agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 2022
Product: Debt collection

I have been receiving phone calls at my employer. Transworld systems are asking my employers my personal information for a defaulted XXXX loan. I verbally requested for them not to call my employer as I have updated my contact information. I also called my university, Michigan XXXX University to confirm that they are the debt collector, however the amount requested is not what TransWorld systems is requesting. My loan is for {$5100.00} with interest. Transworld systems is attempting to collect {$5500.00}. I 've spoken with XXXX, XXXX, and XXXX and was given the run around as well as being hanged up on when I requested for a payment plan. They said they do not take payment plans which I know is incorrect. I do not feel safe nor comfortable with this debt collector harrasing me at my job. I 've tried calling them several times to make payment arrangements and no one answers the phone.
Product: Debt collection

As a long standing member I have had pleasure being part of your organization, Ive admired your care and customer service throughout the years. With that in mind it was quite disturbing receiving the egregious customer service from your representative XXXX as it relates to my account and payments. As an essential workers my days are filled working and leaves little to no time for my personal affairs. Nevertheless, I believe the customer service I received is not in brand for your company and was quite frankly disrespectful. I hope there can be an amicable resolution and look forward to your response. I would like a verbal/written apology and XXXX reprimanded for me and all the other consumer he has violated in the past.
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 credit report. Please remove these accounts from my credit report as is it hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports from all 3 main agencies Experian, XXXX, and XXXX shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my credit score.
Product: Debt collection

There is an account with a company called Stellar Recovery which is unknown. I have requested validation of this unknown account and nothing has been received. False and inaccurate data listed on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already XXXX me out of 1.5 yrs of qualifying PSLF payments as a result of sending out a 'billing statement ' during my bankruptcy stay and after. There is another missing payment on all eligible loans for XX/XX/2019 where there should not be.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX, my housemate sent me money using paypal. She has sent money to me using the same bank account and paypal account plenty of times in the past, and it has always transferred instantly - I was able to see the balance in my paypal account immediately. However, this time the transaction showed as pending instead. 

When Friday afternoon came and it was *still* " pending '', I called paypal. They told me this transfer was an " e-check '' which takes 3-4 days to complete, but they could not explain to me *why* this transfer was an e-check rather than the same instant transfer that all her past transfers to me have been. The could not explain what made this one different, they could not speed it up, they refused to acknowledge that they had done anything wrong, and told me that it would complete on Monday. 

It actually didn't complete on Monday, it completed on Tuesday. So for a full 7 day week, paypal was holding on to our money, money that she had intended to give me, but that neither of us had access to for a full week. 

Paypal claims that when she made the transfer it would have told her that it would be an e-check, but they couldn't say whether it would have given her any other options. I tried looking at the transfer interface and it looks like if it did tell her, it would have been in light gray fine print. Not having any reason to guess that this transfer would be handled any differently from past transfers, I don't see any reason why she would have noticed that very unclear disclosure.
Product: Credit card or prepaid card

I reviewed my credit report and saw an account in collections from Capital One. I have a Capital One credit card and kept disputing the item until I find out it was being reported as KOHLS/CAPITAL ONE. I immediately filed a complaint with the FTC since I have never used or opened an account with Kohls. I am a victim of identity theft and have filed complaints with law enforcement. I have begun the process of removing all items negative on my credit report that have never been opened by myself. I am attaching the proof of identity theft. 

I tried to contact the number for Kohl 's and was told they would not talk to me or dispute the item because it was done in the past. I explained to them it was not me who called or disputed anything previously, but they did not want to assist me. I explained and relayed my phone number, email address, and other personal information - all of which did not match the account with Kohls. I was told there was a letter mailed out to me, but I never received it. Approximately two weeks ago, I received a letter addressed to my previous legal name stating there would be no dispute opened due to disputes closed in the past and initiated by somebody pretending to be me and using my information fraudulently. 

Lastly, I was told the item is not being collected on and all collection activity has stopped, but it is still negatively reporting on my credit report. If this is not resolved, I will be forced to pursue legal action and help prosecute the identity thief to the fullest extent of the law.
Product: Credit reporting or other personal consumer reports

Greetings, i recently got a copy of my credit report and noticed fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

his is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I was notified by XXXX XXXX XX/XX/2023 that my SAVE account ( XXXX XXXX  XXXX XXXX ) was placed on hold. The link they provided to gain more information did not work, it sent me to a page to start a Credit Karma XXXX account instead. I chatted with a service agent on their site who escalated the problem. I received an email saying they were unable to provide any more information at this time. My money was unable to be accessed for transfer on the site during this time. A week later I emailed them again as it was still on hold. They again said there was no information available about the hold. 
" Unfortunately, no other details can be given at this time. We appreciate your patience and cooperation while your account is under review and we apologize for any inconvenience. You will be contacted once your case has been resolved. '' I received no further communications from them about my account status. A month later, I was able to transfer my money out. I chatted with an agent again and they said the hold was still " under review '' and they could not provide any more information.
Product: Checking or savings account

XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/1978 XXXX XXXX XXXX XXXX, Alabama XXXX Early Warning XXXXXXXX XXXX XXXX XXXX XXXX, Az XXXX ( XXXX ) XXXX Dear Early Warning Services, 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 an Early Warnings report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : * XXXX XXXX XXXX XXXX Account # XXXX Closed for overdraft- XXXX XXXX illegally charge me overdraft fees. 
* XXXX XXXX XXXXXXXX XXXX Account # XXXX * XXXX XXXX Account # XXXX Closed-Purged- illegally charged overdraft fees. 
* Account Closed by XXXXXXXX XXXX  Account # XXXX no knowledge of this account please verify. 




Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to initiate a dispute and investigate the following matters, if they can not be verified, please remove the following : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX Please remove the above addresses, collection, accounts and employment information.
Product: Credit reporting or other personal consumer reports

My XXXXXXXX XXXX XXXX XXXXXXXX credit cards are lost/stolen. The lost/stolen XXXX XXXX XXXX accounts is currently showing and listed on my XXXX XXXX XXXX Experian and XXXX credit report. My lost/stolen XXXX XXXX XXXX  XXXX account XXXX is : XXXX and XXXX. Some of the transactions on my lost/stolen XXXX XXXX XXXX XXXX credit card accounts are fraudulent and unauthorized transactions.
Product: Checking or savings account

On XXXX XXXX I opened an account with Truist bank in XXXX Tennessee. I told the banker what had happened at another bank ( XXXX XXXX Pryor to opening this account he pulled it all up said there shouldnt be a problem since no money was taken from the check I had taken in good faith for finding a house for a man I had been helping look for a home in my area since XX/XX/2022. I had no idea it wasnt going to clear but after XXXX ran it three times I finally told them to just stop running it they froze my account and closed the account and informed me I needed to find another bank to deal with. Now Truist has taken my payroll check for XXXX and {$100.00} cash and is holding it. I live pay check to pay check due to bills Ive not ever deposited a bad check nor did I think I was this time. He wanted to put XXXX as a down payment and he was loaning me XXXX to pay off bills plus XXXX for helping him find his house. He had sent money through XXXX for gas and such so I just assumed his check was good too. Now Truist has frozen my account is demanding proof that my pay roll check was for me and a letter from the place my company gets to do our checks and it has to be notarized XXXX sent a message with a phone number and all but I was sent an email saying my pay stub was denied and the letter wasnt acceptable. I just want my money. I have a commercial license which is considered a federal license. I didnt know the check at XXXX was bad if I had I would have not ever deposited it in my account. Now Truist is using what happened at XXXX against me. XXXX didnt lose any money I didnt ever pull any of it my thought was allow it to process and when it clears handle the business but it seems that me trying to get a head in life by working for an individual back fired and ruined my name and worth. I can see if I had pulled money off the check but I didnt even try and it was I who made the bank stop running it. So, Please someone help me if I was such a bad human why would I be spilling my guts out to total strangers plus I didnt celebrate XXXX due to this and what there holding is my truck note which Im going to have to let go back because its now over 30 days. I just want what Ive worked for is all and my life back and my slate cleaned up because the bank didnt ever lose one shiny penny on that bad check.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate and unauthorized loan account that appears on my credit report via closed account/collections with [ TransUnion ] but has already been removed from my XXXX and XXXX reports XXXX 

The account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Transunion )  Date Opened XX/XX/year> According to my records, this loan is inaccurate, outdated, or has been removed by XXXX, yet it remains on my [ TransUnion ] report. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable across all bureaus. Since XXXX has already deleted this account, I request an immediate investigation and removal from your records. 


Additionally, you are still reporting inaccurate names, addresses, and Phone numbers of which I previously advised must be removed according to Per the Fair Credit Reporting Act, Section 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. The inclusion of these variations does not reflect my true address, which is : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXll inaccurate information must be removed. 

Supporting Documents Attached : Copy of my government-issued ID ( for verification ) Copy of my XXXX report ( showing the loans removal )
Product: Credit reporting or other personal consumer reports

This account is reporting inconsistent balances across credit bureaus.This is inaccurate reporting and a misrepresentation of the account. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are late payments for account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( XX/XX/2020 ). I had some issues with my income being affected by the XXXX PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
Product: Debt collection

I was a victim of identity theft ..and found out i have debt that isn't mine ... would like this cleared up as soon as possible.