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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX DOB : XX/XX/year> SSN : XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The TransUnion Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : Accounts from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( REMOVE IMMEDIATELY ) These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The TransUnion Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : -Attached below are supporting documents -Formal Dispute Letter Detailing My Complaint -Copy of US Driver License ( Proof of Identity ) -Copies of a Paystub & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Commencing on or around XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my BofA account to fraudulent investment firms.
Product: Credit card or prepaid card

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BANK OF AMERICA with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Unauthorized and unlawful credit utilization and late payments Transactions and experiences are illegal to report ( 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) ).

Prohibition ( A ) Reporting information with actual knowledge of errors 15USC 1681A 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 pf this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

This account was charged off and reported as a profit and loss write-off ; however, it continues to be reported monthly, which is a violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 2 ), furnishers are required to provide accurate and complete information to the credit reporting agencies. The continued reporting of a charged-off account every month creates a false impression of ongoing delinquency Continuously reporting this delinquency is in violation of 15 USC 1681 EB
Product: Student loan

I took out my original unsubsidized student loan with sallie Mae 1st payment disbursed on XX/XX/XXXX for {$10000.00} and 2nd payment in XX/XX/XXXX for {$10000.00}. I began making my first repayment on XX/XX/XXXX. My interest rate is at 4.750 % with a co-signer. I have made payments since XXXXpresent with estimated pay off date given to be XX/XX/XXXX. My loan is now under Navient for the past several years. I never signed new documentation with Navient and was just told that they bought out Sallie Mae. I have asked Navient to provide me with information on fair interest rates or where I could search to find information regarding sallie mae 's lawsuits regarding interest rates and all the employees I have asked have told me that they do not know if such information or how to direct me. I also feel that I will have paid back an unfair amount back on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from XXXX XXXX XXXX.
Product: Debt collection

To who it may concern, I am writing to dispute the validity of the alleged debt associated with the above referenced account. Under the Provisions of the federal Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, I hereby exercise my rights to request that all communication pertaining to this dept be ceased and desisted immediately. 

It has come to my attention that you have been attempting to collect this dept from me, and per my rights granted by consumer protection laws, I am demanding that all communication cease with me, my family member, friends or my employer concerning this or any other purported debts you claim I owe. 

According to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request verification of the debt from your agency. I am requesting that you provide me with written documentation, validating the legitimacy of this debt, including amount owed, the original creditor 's name, and any relevant account information. Until Proper validation is provided, I dispute the debt in its entirety. 

Moreover, it is essential to bring to your attention the requirements outlined in the Metro 2 Reporting Guidelines, which are mandated by the FRCA. Any information you furnish to credit reporting agencies must be accurate, complete, and updated. If you have reported this debt to any credit bureaus, I demand you correct any inaccurate information immediately. 

Please be advised that I am fully aware of my rights under the law and will not hesitate to pursue civil and criminal remedies to ensure my rights are protected.
Product: Credit card or prepaid card

On XX/XX/2017 around XXXX XXXX PST time I contacted XXXX 's Rewards Platnum regarding my credit card. They said I had to reopen the account. Contacted XXXX and asked to sign up for an account.. BUT asked this question Do I become a plantnum member right away. Their response was Yes! 

XXXX promised I would become a Plantnum instantly if I signed up for the credit card, But after I signed up I was told I have to wait 30 days from the XXXX rewards program. 
I would not have signed up for this credit card if I knew I couldn't become a plantnum member right away. XXXX is promising services for people opening credit cards that aren't true.
Product: Credit reporting

I have been attempting to repair my credit for 2.5 years now, I am not joking. I am only going to present XXXX issue at a time. I can not ever get answers to my questions, from anyone, not the creditors, credit reporting agencies, hired " credit repair '' This attachment is an example of the outrageous inconstancies, and what appears to be random, and arbitrary application. This is XXXX alert from over XXXX similar I have received from " MYFICO '' monthly, ( XXXX of many monthly subscriptions I pay for ) PLEASE HELP! Where do I even begin to deal, fight this? I am under time constraint, I will lose my house & future if I do n't resolve my credit issues! I need to get a HELOC & CAN NOT WITH MY SCORE & REPORTS. 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

Around 2 weeks back, my credit score went down by XXXX points, when I have never missed any payment ever. 
I called XXXX and found out that there is a credit card debt in my name. After looking deeper into credit report, found a Citi bank account associated with my SSN that I never opened. It has a balance of {$13000.00}. So I opened a dispute with XXXX to fix this fraud situation and take it out from my SSN. 
Also, reported the issue to Citi bank immediately. Citi bank did their investigation and confirmed to me on the call that this account is not associated with my SSN anymore and it was indeed a fraud. 
XX/XX/XXXX, My credit score again went down by another XXXX points. I contacted XXXX to find out that the Dispute is now closed, as per the creditor the account is still associated with my SSN.
Product: Credit card or prepaid card

Dear Sir or Madam, I would like to file a complaint against Bank Of America regarding a a Air Ticket purchase transaction from XXXX XXXX on XX/XX/2022 and the said transaction was declined by Bank Of America at the same time of ticket reservation and as a result of that XXXX XXXX cancelled my reservation and voided my tickets. Later I discovered that Bank Of America placed a charge of {$3100.00} on my credit card for the XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX and they informed me that they never receive the said transaction from Bank Of America and I should contact them to resolve this issue with them. I called Bank Of America on XX/XX/XXXX and spoke with XXXX of their representative who informed me that is a typical process and it can take between XXXX business days to clear the disputed amount from my account. I checked my account today XX/XX/2022 and found that the same transaction still showing at my account with the status of pending. I called Bank Of America and I was informed that XXXX XXXX has to send back the transaction and they are waiting for that and it can take up to XXXX business days and I have to check back with XXXX XXXX. I called XXXX XXXX today XX/XX/2022 at XXXX AM and their representative confirmed that they never receive and transaction for my cancelled tickets from Bank Of America, and they send me an email per my request confirming this statement. I called Bank Of America and spoke with XXXX and his supervisor XXXX who insisted that I have to wait XXXX  days. I am failing this complaint as Bank Of America unjustly posted a transaction never took place of {$3100.00} against my credit card account and unprofessionally justified this action by saying it is their standard procedures.. 

I am forward to you the email from XXXX XXXX confirming that they never receive the said transaction from Bank Of America Thanks XXXX XXXX XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Tuesday, XX/XX/2022, XXXX AM XXXX Subject : RE : Void Ticket XXXX XXXX, We're sorry to inform you that the ticket that you bought was voided for security reasons. It means that the money was never taken by XXXX XXXX. Please, check this information with your bank and inform them that this amount ( XXXX USD ) has to be released to your account. 


Again, We're so sorry for the inconvenience and we hope that you can get your money back. 

Kind regards. 

ref : XXXX : ref
Product: Credit card

About two and a half years ago I cancelled a Visa card that I got through XXXX, the online marketer of out door clothing and equipment. I notified the Bank ofAmerica that I was closing my account. I received my balance and payed offthe balance. The account was closed. The next day they received an invoicefrom XXXX, my insurance carrier for sixty years. It was for my monthly insurance payment. They opened my account and payed XXXX something over {$100.00}. WhenI received a monthly bill from Visa/B OF A for the amount XXXX had requested. 
There were several phone conversations between the XXXX parties. I finally paidthe XXXX claim to Visa. By the time all was done, it had passed the Visa paymentperiod and they charged me {$35.00} for a late fee. I refused to pay because myaccount was closed and opened again to accommodate XXXX, so said B of A. 
Even though the account was closed, they kept charging me {$35.00} per month inlate fees for not paying their original late fee. At about the {$200.00} level I talked toa supervisor who told me the bank would continue to charge me monthly, until I reached the level where they would charge off my account and sell my account to a credit chaser. She said they did this to charge off the very high profits they made in the commercial part of the bank. As stated, at $ XXXX sold my account. I received a call from a very nice lady trying to work out a payment schedule. She said her company had purchased my account. I told herthat there were no products or service, that it was all fraud by B of A to reducetheir income tax bill. I could hear her writing in the background, she was mad as hell. Apparently, B of A had taken the account back because they have sentdefault/ no pay notices to all three credit agencies for 30 months. My credit number has gone from XXXX to about XXXX now. It has been as low as XXXX! 

ALL OF THIS PAIN FOR ME WAS FOR B OF A TO COMMIT A FRAUD AGAINST THE IRS. THE SUPERVISOR TOLD ME THIS WAS A COMMON PRACTICE. I AM XXXXYEARS OLD AND HAVE NEVER HAD A CREDIT PROBLEM IN MY LIFE. 

XXXX XXXX XXXX, The credit agency provided me no documentation of their investigation. 
If you get a routine credit report, all the bad marks will show. The last time Isaw it was about six months ago. I was paying XXXX to monthly send me myrating number and delinquent account report.
Product: Credit reporting or other personal consumer reports

I found a significant amount of inaccurate information on my credit report, which I have been disputing online and through the mail. I have a My Equifax account where I can view my credit report, score and dispute items online. For the last 3 months, when I log in, I get the following error message : Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at XXXX XXXX XXXX XXXX or try again later. 

We are temporarily unable to retrieve the status of your security freeze. 
Please try again later. 

We are temporarily unable to retrieve the status of your active duty or fraud alert. 
Please try again later. 

First of all, I don't have a security freeze on my account nor do I have a fraud alert on my account. I can not view my credit report, score or access my online disputes. I've called 6 times and they tell me every time that they will escalate the issue but I never hear from anyone and they never fix my account. I've wasted countless hours on the phone with Equifax and they have done absolutely nothing to resolve my issue. Today alone, I've been on the phone for over 45 minutes and I'm still on hold. I've spoken with a supervisor, a manager... the supervisor today told me he only sees that I've called one time about this issue but I've called 6 times and today is my 7th call. 

I used to be able to log in, see my score, my credit report and dispute information just fine. The problem is not on my end and I need this resolved immediately because I can not fix the errors on my credit report nor can I monitor the activity. 

In a separate attachment, I will provide my login information, ID, and information to identify myself. Please do NOT send me a letter stating I have to mail my identification information because it is attached. Dealing with these credit reporting agencies is a joke. How are we supposed trust them with our information? They are inept at credit reporting, they do not investigate disputes properly, it takes forever to reach them on the phone and their customer service is below substandard.
Product: Mortgage

The mortgage company after correcting there mistake, sent to the credit reporting company, Stating I had missed payments. They reported I'm 30 days late between XX/XX/2020 until XXXX XXXX reporting is not correct. They refuse to report I was current as I was told they would do after resuming payment from our forbearance agreement. Was told, if I was current before the covid hardship agreement that once I resume payments, they would report all payments to be current.
Product: Mortgage

Selene Finance a debt collector took advantage of me several times. Twice that I know of they taken money from me on 2 modifications and increased my mortgage payment to a higher amount. Over a few years with Selene Finance my mortgage jumped up to XXXX more towards my debt. After years fighting with this company they ended up selling my mortgage to a lender called XXXX XXXX. Honestly this company is doing really nothing for me as well. What can I do now do fix my mortgage and get myself on track again? 

Please email me at XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account # 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 furbish an account without my written instructions.
Product: Debt collection

A balance from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card debt was sold to Portfolio Recovery Associates. There was no debt validation provided from Portfolio Recovery Assoc.The  balance was paid off to the collection agency although there was no signed contract with the company. I was told by the agency that the collection inquiry would be removed from my credit score once  debt was paid.   Has reached out to company several times about this promise and Portfolio Recovery Assoc. has failed to remove the closed account from credit.
Product: Credit card or prepaid card

I have requested prepaid XXXX master card .Nobody told me upfront that there is a fee {$4.00} per month. 
Also fee is usually charged after 1 month of service .My unexpected fee was charged 2 days after first transaction. 
When I emailed my request to close the card, received response : " The XXXX Prepaid Mastercard is issued by XXXX  XXXX XXXX, Member FDIC, pursuant to license by XXXX XXXX XXXX. Netspend, a XXXX XXXX, is an authorized representative of XXXX XXXX XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. Use of the Card Account is subject to activation, ID verification and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. 

Mastercard is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. 

Card may be used everywhere Debit Mastercard is accepted. " It actually doesnt answer my question Can you please help me to close card and transfer remaining balance to any of my accounts?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX 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 company 1st Associstes dba Vervent claims that I have a student loan with them. Ive never received a degree or attended courses during that time. Ive tried reaching out to the company who was never responsive. When I did I was told Id receive a fraud packet through email and mail. Ive never received it and called to make the company aware. I was told by a clerk the company sent it off through email and refused to help me further. Ive tried researching the company online to find out that they have done bad business in the past by distributing loans to several individuals that were not cleared on the terms. Any outstanding loans were to be removed. The company regardless shouldve removed the incorrect data years ago and that never happened. I have since been tricked into verifying my email address and personal information for the company to send me info. Instead the company discriminated against me to false claims. The company alluded my personal information and lied saying they would send me over fraud packets. I want the company shut down after my lawsuit is over. Nothing was resolved and I feel very much harassed by this horrible company 1st Associates Dba Vervent.