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

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX  NOR TRANSUNION, YET XXXX  MANAGED TO WASH IT OFF COMPLETELY FROM MY REPORTS ... .. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX {$1400.00} XXXX XXXX, XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$310.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$310.00} XX/XX/XXXX Equifax XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX  # # # # # # # # # # # # XXXX {$310.00} XX/XX/XXXX XXXX XXXX # # # # # # XXXX {$310.00} XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$310.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$310.00} XX/XX/XXXX XXXX
Product: Debt collection

I recently viewed my credit report and noticed a XXXX XXXXXXXX XXXX self account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt do not belong to me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them
Product: Debt collection

According to the IRS, Citibank reported that they sent me a 1099C for {$19000.00}. I did not receive any such funds in XXXX. I have had three citibank accounts ; one that was charged off over 7 years ago ; for which I was a victim of identity theft. The second account is an open mastercard is good standing ; and the third was a mortgage which was paid in full. I have filed identity theft reports, written letters and called citibank regarding the charged off account to no avail. They were trying to get me to settle with a third party company for which I contact the credit bureau to share identity theft form and report as per Fair Credit Act the debt they were referring to was over 7 years old. On XXXX XXXX XXXX XXXX, I received a letter from the IRS saying I did not report income I received from citibank in XXXX, and now the IRS is charging me also {$7000.00}.
Product: Credit reporting or other personal consumer reports

An inquiry from CitiBank NA Best Buy is on my report. They pulled my report on XX/XX/year>. I did not submit or authorize the application. I would like the inquiry removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent information on letters stating that they verified it through the original creditor, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report.

I. WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S. Bankruptcy Court never provided any information to your company, nor do they ever validate and/or confirm public records ; 3. The public records information is never validated by the Recorder of Deeds nor the U.S.

Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law ; 4. The U.S. Bankruptcy Court confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly ; 5. Your company reported unverified derogatory information to my consumer/credit report ; 6. Your company failed to provide me with competent and documentary evidence to prove that the disputed information is verified. The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '' ; 7. According to the FCRA, I have the right to an accurate consumer/credit report. 

YOU HAVE 15 DAYS FROM RECIEVEING THIS TO REMOVE IT or I will file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 TransUnion provided XXXX XXXX XXXX. a credit report. My report is sealed and I did not consent to the disclosure.
Product: Mortgage

I went into forced placed insurance and my payments went from XXXX to around XXXX. I was late but making payments at their calculated rates. Recently they raised my payments from XXXX to XXXX claiming a shortage of escrow even though I had been paying what they calculated. They also claim I have a shortage of XXXX. 

My loan payoff is only XXXX. I have been recommended for foreclosure. 

I can show where I have had extensive health issues including a XXXX I XXXX this year. 

I can not sustain XXXX per month and I truely need help. I can provide medical history.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I was affected by the Equifax breach. My information was sold on the dark web. Ive spoken with numerous agents, asking them to please explain the documents that are accepted and needed to show that I was affected by the breach. I provided them with receipts showing I had to purchase credit monitoring services. Ive also asked what type of proof I can provide to show I took time off work trying to contact all three bureaus, on top of purchasing stamps, envelopes, and printing papers to send it, showing that I was affected, on top of paying lawyer fees. Every time they call, they state I would have to file an appeal. I stated, " Okay, thats fine. What do I need to include in the appeal? What type of documentation will be acceptable? '' They tell me they have to escalate the call and find out, which sometimes takes 2-5 days. When they call back, they literally read a script and still dont answer my questions. The calls are recorded and monitored. I feel its completely unfair to tell me I have 30 days to file an appeal but not provide me with the proper knowledge of the information that I need to submit my appeal. No email was ever sent with the directions regarding the appeal. The only thing the reps do is call back, reading from the script. The court settled and stated people that were affected by the claim. I was affected, and I am trying to do everything that I need to be compensated, and they arent working with me at all.
Product: Credit card or prepaid card

In XX/XX/XXXX, I chose to do 4 balance transfers to my Pentagon Federal ( credit union ) credit card in the amount of {$4800.00}. In XX/XX/XXXX, I chose to do another balance transfer in the amount of {$8700.00}. All of the promotions included 0 % interest for 15 months. Following is a breakdown : XX/XX/XXXX - {$820.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$1900.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$1300.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$720.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$8700.00} ( 15 month 0 % interest/ expires XX/XX/XXXX ) My complaint is regarding unfair credit practices. I have had numerous conversations with Pentagon Federal about my intention to pay off the 4 balance transfers that expire on XX/XX/XXXX. However, due to their system limitations, the payment allocation is equal amongst all 5 balance transfers and there is no way to adjust the payment allocation to ensure that the balance transfers which expire first are paid off without accruing interest. I have discussed this issue with Pentagon Federal on multiple occasions and they have provided no solution. Furthermore, because the balance transfer which expires on XX/XX/XXXX has the largest balance, the majority of every payment I make goes towards that balance transfer. This makes it impossible to manage the first balance transfers to ensure that I pay off these balances before accruing interest. Following is an example of how my recent payment was allocated : {$500.00} payment was applied in XX/XX/XXXX as follows : Balance {$470.00} - {$21.00} payment applied Balance {$1100.00} - {$51.00} payment applied Balance {$770.00} - {$35.00} payment applied Balance {$410.00} - {$19.00} payment applied Balance {$8100.00} - {$370.00} payment applied As you can see from the above example, 75 % of my payment is going towards the balance transfer that has the largest balance. With only 25 % of my payment going towards the 4 balance transfers that expire first in XXXX, there is no way to effectively manage these promo plans without hitting the expiration date and acquiring interest. Although the current balance for the 4 balance transfers is {$2700.00}, even if I make a {$5000.00} payment, there will still be a {$1200.00} total balance for the 4 balance transfers. This is an unfair practice that harms the consumer. With all other credit cards I have had, I have been able to determine the payment allocation to effectively manage the promo plans to meet my needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN IN CONTACT WITH THE EXTENDED SPECIAL SERVICES FRAUD DEPARTMENT WITH EXPERIAN AND SHOWED THEM PROOF WITH A POLICE REPORT, COURT DOCUMENTS, FTC REPORT AND ARREST FROM THE PERSON WHO STOLE MY PERSONAL INFORMATION. EXPERIAN STILL WANT TAKE THIS LOAN OFF THAT IS FRAUD, BUT THEY REMOVED THE INQUIRE THAT OPENED THIS LOAN AS FRAUD AND BLOCKED IT AND REMOVED IT AND PUT A FRAUD ALERT ON MY CREDIT FILE. THE OTHER 2 CREDIT BUREAUS REMOVED THOSE ACCOUNTS AND BLOCKED IT. BUT NOTHING I SHOW EXPERIAN FRAUD DEPARTMENT IS NEVER OOD ENOUGH. IM XXXX AND RETIRED XXXX XXXX  IN NC FOR OVER 28 YEARS AND I'VE NEVER SEEN BANKS AND CREDIT BUREAUS ACT THE WAY THEY ACT. I WANT THIS ACCOUNT REMOVED ASAP PLEASE OR I'LL HAVE NOT CHOICE TO FILE PAPERS UNDER THE FAIR CREDIT ACT, BECAUSE I STILL HAVE NEVER RECEIVED ANYTHING CONCERNING THIS LOAN EXCEPT HEAR SAY FROM EXPERAIN AND XXXX XXXX. PLUS THE ACCOUNT WAS OPENED UNDER A FRAUD ADDRESS IN SOUTH CAROLINA AND EXPERIAN DID REMOVE THAT ADDRESS AS FRAUD BUT THAT WAS THE ONLY ACCOUNT ON MY EXPERIAN CREDIT FILE ATTACHED TO THAT FRAUD ADDRESS, SO WHY WOULD THEY REMOVE THE ACCOUNT. PLEASE REMOVE
Product: Credit reporting, credit repair services, 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 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I started off with my Name XXXX XXXX as well as the account XXXX at XXXX who no longer has the account the I stayed my full term for 12 months never late until it was time to renew my lease I caught XXXX in XXXX  and my son was in the hospital due to XXXX failure. 
Before 7 days I received an email that it will not be removed because the account was correct Even with the doctor bills I didnt understand
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is my request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXXXXXX XXXX XXXX Balance Owed : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX XXXX - {$150.00} XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX {$710.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$75.00} XXXX XXXX XXXX XXXXXXXX - {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$290.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$75.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX XXXX XXXX XX/XX/XXXX Bank of America Acct # XXXX On XX/XX/XXXX, my account was closed due to insufficient funds. I paid the fees in person around XX/XX/XXXX. It still showed as non-payment. I lost the receipt so fast-forward to XX/XX/XXXX XXXX. I went back to BOA, paid the {$290.00}. This time, I have my receipt. I rechecked XXXX and the {$290.00} still shows as unpaid. When I call into BOA, the representatives do not know how to help me and dont know when it will be removed. Please assist in showing the charge off amount was paid.
Product: Vehicle loan or lease

I made an overpayment on my account. The original amount due was {$31000.00} and I made a payment of {$33000.00} on XX/XX/2022. After numerous attempts and over 10 calls each month, I still have not been provided my overpayment refund or my title. Each time I contact the company I am told by the representative that it will be escalated. I have recorded each phone call and lastly was transferred to a supervisor who said there was nothing he can do because the company is backed up with their checks? I have patiently waited 6 months where my money could have been invested.
Product: Money transfer, virtual currency, or money service

I transferred money from my account on venmo to my freind its failed and said when i mail them if it's at least return my money back they responde with u had to be had a id from usa as that u from begging u allowed to do an account now i can not transfer money or take it back the account froozen and tell me it will like that for 180 days im here for vacation and transfer money to my freind as i want my money back i had no idea what's wrong with that application
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account, and is going to be in litigation. 

PLEASE REMOVE ASAP
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I'm XXXX XXXX at XXXX I contacted square several times for support, but my request never received a reply. My account was closed in XX/XX/year> and I was told that the funds would be released after 90 days, but so far my money has not been released. 

I just need to get my money back, I have not violated any of your terms, I will not continue to use square payment, please release my balance My account is long overdue,
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/2022, I received a text message from the Bank of America fraud protection team asking if I authorized a {$460.00} charge to XXXX XXXX. I did not authorize this so I replied no. I checked my bank account and XXXX account and there was no purchase or money withdrawn. I went to XXXX and looked up the bank of America and check the back of my card and called the #. I called it. I believe the number was spoofed. I was asked to transfer money by XXXX from my checking to myself ( my email address ) as a refund for {$2700.00} and it happened again for {$800.00} making it a total of {$3500.00}. I went to the Bank of America XXXX in XXXX XXXX, Md to ask if this was a fraud and how could I call their phone number, and it was a fraud. They told me it happen before. I made a formal complaint/claim with the Bank of XXXX XXXX I received an email from XXXX XXXX that a bank transfer to my email address and account. I don't have an account with XXXX XXXX.