23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX : ( XXXX ) XXXX Email : XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX Our Account Number : XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXXXXXX XXXX, Amount as Listed on Credit Report : {$2600.00} Dated : XX/XX/XXXX To Whom it May Concern : RE : Deceiving or Misleading you while trying to collect a debt. 

On or about XX/XX/XXXX, I opened a XXXX  credit card account with a credit limit of {$4500.00}. XXXX closed my account without notification or any reasons why it was closed. The account went into default there after. On or about XX/XX/XXXX, Credit Control collection Agency, a Agency hired by XXXX XXXX XXXX made contact with me regarding the account in a settlement to delete. I immediately agreed to a settlement to delete all information from all 3 major credit bureaus for {$900.00}. Credit Control was hired my XXXX XXXX XXXX to collect the debt. After the settlement was made Credit Control and XXXX XXXX XXXX refused to remove the debt from my credit file as promised. Instead they have lowered the amount and place a notification on my credit stating : Paid in settlement. {$3500.00} written off. 

Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt.

I was deceived by Credit Control and XXXX XXXX XXXX to collect the debt. I am requesting that XXXX XXXX XXXX either remove the account completely from all 3 major credit bureaus or refund the {$900.00} that they lied to collect. 

I have filed several disputes to XXXX XXXX XXXX and they refused to respond to my request. 
I have attached copies of the payment receipt and copy of the settlement agreement. 

Respectfully Submitted, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received my unemployment benefit wire transfer to my prepaid debit card given by Bank of America. 

An ATM withdrawal was approved on XX/XX/XXXX for {$1000.00} from a Bank of America ATM. 
On XX/XX/XXXX, a withdrawal was approved for {$500.00} qt a XXXX XXXX ATM. Both taken place in XXXX, CA. 

The card is still in my possession to this day, XX/XX/XXXX. I filed a claim regarding the {$1500.00} debit from my account that I did not withdraw myself. 

Bank of America requested I do my own investigation and file a report with the XXXX XXXX Branch where the withdrawal happened. 

Yesterday XX/XX/XXXX, I received a letter that was dated XX/XX/XXXX that the matter was resolved and that they found both withdrawals valid. 

I firmly believe that Bank of America did not conduct a proper investigation. If they had actually looked into the ATM withdrawals and cameras of the ATM you would see that I was not making the withdrawal out of my account. 
Once again, I still have my original debit card that is now closed. Meaning there was a fraudulent card accepted by the ATM who had my pin number and was able to make the withdrawal. 

Due to this, I am seeing financial hardship as Bank of America has not refunded my account and yet the investigation as stated in the letter is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and an FCRA violation. COMENITYBANK/XXXX  # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate in the XXXX and XXXX. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I cant see my credit score been like this for months now I called them XX/XX/year> they told me within 3 to 7 business days I should get an email havent got that yet I have talk to them plenty time no help Also its some inquiries on my Experian that dont show on my other credit
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached some evidence. 

XXXX. XXXX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX On XXXX XXXX this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXXXXXX XXXX XXXXn XXXX XXXX this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XXXX power on XX/XX/XXXX. XXXX  this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX of XXXX of TX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX XXXX XXXX XXXX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX  auto finance on XXXX XXXX this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXX  XXXX on XX/XX/XXXX. XXXX  this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 
XXXX. XXXX XXXX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. 
XXXX. XXXX XXXX on XX/XX/year> this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

According to equifaxsecurity2017.com, my credit information was compromised by a security breach of Equifax 's systems. Equifax mishandled my information, which puts me and millions of other people at risk. Equifax did not notify anyone quickly enough and admitted that they will not notify everyone. Three of their executives conveniently sold off personal stock ahead of the announcement of the breach. On  top of that, they used vague fine print to con people into signing away their class action lawsuit rights by signing up for TrustedID, their credit monitoring service. These people hold our ability to buy cars, homes, and other consumer goods in their hands, and they not only failed us, but have used underhanded methods to deflect blame.
Product: Debt collection

XX/XX/year> Portfolio Recovery Associates , LLC Account # XXXX I am exercising my right to dispute inaccurate Information as provided under the Fair Credit Reporting Act ( ACRA ), 15 U.S.C. {$1600.00}. Provide complete documentation that verifies this debt, including : Signature. DELETE THIS IMMEDIATELY!
Product: Student loan

- My autopay was turned off for no explained reason per multiple reps. I only found out as I was thinking one day I dont remember seeing that come out of my account. Then logging into my account there is a banner stating I am past due. No notification was sent.

- Setting up autopay I am unable to set my payment higher than the minimum. Again, given no explanation to why by the reps.

- The 0.25 % discount is yet to be applied to mu account.
Product: Debt collection

They are reporting I owe over {$2000.00} for a bill that is not mine. I have received many phone calls from different agents and they have all made threatening comments and have cursed at me. I have asked them to stop calling and they do not. I have asked them to remove this from my credit reports and they refuse to. I have sent them the attached letter and have had no response from them, so they are also in violation of the " Fair Credit Reporting Act. ''
Product: Credit reporting

Please See Case Numbers:XXXXXXXX is collecting a debt on behalf of XXXX XXXX. This in my opinion is a fraudulent attempt to collect a debt that is not owed to XXXX XXXX. This obligation was satisfied by signing over ownership to XXXX at which time they sold the car and kept the proceeds. At the time, I did n't realize that XXXX will attempt to collect XXXX after keeping the proceeds from the sale I made a written complaint to Trans Union asking to verify the debt from XXXX. Trans Union claimed in writing that the debt was verified and will remain on my report. I called XXXX and they stated that they did not verify the debt and do not make any attempt to verify the debt. If XXXX claims the money is owed, then that is sufficient validation for them. XXXX has already removed this Claim from XXXX as XXXX could not prove that any money was owed to XXXX or them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against a creditor on my credit report about last payments.It was reported I was late XXXX 2022 though XXXX 2022 of 60 to 30 days late. I disputed those late charges with proof of payment and those late payments was corrected except XXXX 2022. Again I'm sending proof of payment of XXXX, my payment is due XX/XX/XXXX I my payment XX/XX/XXXX according to my bank statement I attached as my proof. I was not 30 days late with my XXXX payment. Please delete late payment and update my report as payed as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed disputes on XXXX  separate occasions, each returning as verified correct. Federal law code 15 US code 1679c allows me to dispute inaccurate data which also pertains to rights as a consumer I am allowed to view HOW they verified such information. Using e-oscar at times proves not to work. By law information supplied to credit agencies must provide accurate and true documents with my signature showing validity of debt. I have asked twice for how these were verified with the question for validation proof that has been left ignored. 
My issue is with the following accounts : 1. XXXX XXXX transunion reports XXXX in payment history with last payment made XX/XX/XXXX ; XXXX  reports this account had XXXX late in XX/XX/XXXX, with last payment made on XX/XX/XXXX ; while XXXX reports XXXX lates and last payment in XX/XX/XXXX. 
2. XXXX XXXX transunion reports XXXX in payment history with last payment XX/XX/XXXX ; XXXX  reports 100 % on time with last payment XX/XX/XXXX and XXXX  reports XXXX lates with last payment XX/XX/XXXX. 
3. XXXX XXXX XXXX- transunion reports XX/XX/XXXX as last payment with no lates ; XXXX  shows 25 lates but only one XXXX late ( XXXX ) with last payment on XX/XX/XXXX while XXXX reports c/o every month last two years with no 1st delinquency date. 
4. XXXX XXXX transunion reports no lates with last payment XX/XX/XXXX, XXXX shows XXXX lates despite also showing XXXX with last payment XX/XX/XXXX and XXXX shows XXXX CO dating back to XX/XX/XXXX. 

These XXXX accounts quite obviously were NOT investigated as requested being each of the three bureaus report different information. Due to this I have the rights to have all XXXX immediately removed from my reports.

Attached is proof of what I am claiming. Please note despite these showing XXXX  as address too, each company had their own same letter addressed to them.
Product: Debt collection

I received a call on XX/XX/XXXX from an agency calling themselves the Enhanced Resource Center ( DBA : ERC ) who subsequently identified their address as XXXX XXXX XXXX, XXXX, FL, XXXX regarding a disputed claim with the former XXXX - now XXXX. The disputed claim is over the return of equipment that XXXX failed to collect upon our termination of the service. XXXX wanted us to return the equipment rather than them pick it up. XXXX  could not furnish a contract or any materials stating it was the customer 's responsibility to do so - nevertheless - they turned this contested issue over to ERC. Upon discussion with the ERC representative, they falsely claimed that {$130.00} of the {$170.00} in contention was due to an early termination fee. I asked the representative to give me proof of this early termination because I knew it to be untrue. The representative refused to do so and continued to attempt to strong-arm me into a payment. I asked for proof in writing that I was required to pay this fee and told them on a recorded line that if there was proof that I owed this money and agreed to such terms then I would be happy to pay it. They refused to supply such documentation. After the conclusion of this call I subsequently called XXXX/XXXX who confirmed there was no such early termination fee since we had been customeres from XX/XX/XXXX until recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Product: Credit reporting

I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan from Lendumo. The interest rate was not made clear to me and far exceeds the legal limit in my state of XXXX. They operate under the premise that they dont have to follow XXXX  law because they operate under federal/tribal law. However, Lendumo, XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not licensed to do business in XXXX. Tribal Law does not supersede the need to have a lending license in the state in which you are lending. I have confirmed this information with the XXXX  Department of Financial Protection and XXXX as well as the Federal Trade Commission. I have also confirmed they are not licensed in XXXX. They are refusing to let me talk to someone in their legal department, and are trying to uphold this obnoxious debt.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which they dont show there account numbers at all After reviewing my credit report those account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section 1681i of the fair credit reporting act.

After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section 1681 ( 5 ) of the fair Credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent documentation to both XXXX  and Experian, that shows that the XXXX account was opened by identity theft. i sent them a police report and my address at the time that it was opened that i did not live in the area or even the state where it was opened. and yet, they are still reporting this as accurate. i have asked them to show me documentation that shows my signature and they can not produce it. XXXX   couldnt verify it and they deleted it so how are XXXX  and Experian reporting it as accurate??
Product: Credit reporting or other personal consumer reports

Transunion is reporting an old account from XXXX that should be removed it is more than seven years old. After seven years it should be removed. I have reported this before but they refuse to remove it
Product: Debt collection

according to 15 US U.S code 1681c-2. This is my statement that all of the listed accounts have been reported without expressed written consent, and therefore is a result of identity theft, and must be removed. These accounts are not related to any transactions made by me the consumer. fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 stating I never gave them written consent to furnish my information to obtain my information.
Product: Checking or savings account

Hello, Please, on XXXX, XXXX  I was using XXXX, I was reviewing & confirming the XXXX transactions. 
I only XXXX to Names not phone numbers. 
I saw {$100.00} XXXX  to XXXX. 
I immediately knew it was Fraud, because I dont XXXX phone numbers. All my XXXX have contact names. 

This XXXX XXXX is not in my contacts. 
Ive never XXXX  this number. 

I click on the XXXX register information and found an XXXX XXXX XXXX Ive never XXXX  her or received an XXXX from this number. 

I Reported Fraud to To Chase Fraud Dept. 
The Fraud Dept said no fraud was found, and they are not responsible for guaranteeing missing XXXX from my checking account. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX Balance XXXX {$520.00} ; XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX.