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

I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX XXXX consumer report that is being illegally and unlawfully furnished by XXXX, XXXX and EXPERIAN ( " CRAs '' ). Thirty days ago, we contacted the CRAs requesting a copy of the written instructions authorizing them to furnish this consumer report as well as a copy of the full credit file disclosing sources from which this information was procured. The CRA 's failed to provide us with this information and continue to report private information without the express written authorization of the Surety. The actions and / or inactions of the CRAs have caused serious harm and this is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury.
Product: Debt collection

I asked for a debt validation letter from the company portfolio, recovery sometime early in XXXX but never received, that and the lady I spoke with assured me that the letter will be going out and I never received any letter but I kept receiving the harassing calls, and long and behold. I viewed my credit report and they reported it to my credit XX/XX/XXXX which they never sent me the validation of debt letter
Product: Checking or savings account

This website is not allowing me to attach any documentation, but I have communication from Bank of America if needed and can email it. 

In XXXX of XXXX, I used Bank of America 's Online XXXX XXXX service to send a rent check totaling {$1600.00} to my landlord, XXXX XXXX XXXX. A few weeks later, the property manager advised me that they never received the check. However, it was marked as cashed according to Bank of America. I reached out to them and they said they would need to get a bunch of information from XXXX XXXX, which they provided. Then there was an investigation. In XXXX of this year I received an online message that said that my funds were not able to be recovered because the correct payee did in fact receive my money. XXXX XXXX stands by the fact that they did not and can not find the funds in their accounts. Per BofA 's message, " You are entitled to receive a copy of any document that we relied upon during our investigation and/or processing of your request. To request documents, you can e-mail us anytime and we will send the appropriate documents by U.S. mail.I requested information from the bank ''. So I requested these documents. Months later, they sent me a copy of the check they originally sent to XXXX XXXX with no endorsement, dates, nothing. At first, I thought this was a mistake. I have requested additional documents three times and every time I ask, they send me the same exact check copy with absolutely no other information. I have been on the phone with them for hours trying to figure this out with no movement forward. At this time, I need to prove to my landlord ( XXXX XXXX ) that they did indeed deposit this check, so I can recover my funds. How am I supposed to do this with absolutely no information besides the check they sent out? This makes no sense. It has gone on for two years and I really need this resolved. Thank you. Case ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed information on my credit file and they decreased my score my XXXX points. That's impossible because i paid down on everything by 30 %. Score should be higher not lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Product: Credit reporting

1 year ago I disputed XXXX XXXX XXXX transaction that appeared on my credit report Equifax had finally removed it XX/XX/XXXX. As of XX/XX/XXXX they have added back to my credit report and that it was behind 150 days and dropped my rating XXXX points. I have no contract with this company and would like it to be removed. Further more I would like Equifax to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate!
Product: Debt collection

reached out to midland credit management over the phone on XX/XX/2020 @ XXXX XXXX  about them reporting information on my credit report thats doesn't belong to me. i asked them for validation of the debt NOT verification of the debt. 

Im requesting this company provide documents as stated in the letter i sent out on XX/XX/2020, which they have 30 days to provide me with the request that i asked for this company has violated my rights by reporting on my credit report before i had the chance to request for VALIDATION NOT VERIFICATION of this debt. 

im requesting this company to remove information from my credit report, due to insufficient valid information. 
also code 1692e ( 8 ) this company has not reported that this account is being disputed documents of what was purchase, detailed invoice of how they cam up with this amount. 

purchase agreement
Product: Credit card

I am locked out of my Capital One account ; by not having my account number handy to verify my identity with.
Product: Credit card

I made a {$500.00} payment to my daughter 's capital one credit card on XXXX XXXX, 2016. I told the rep that I wanted it to be a surprise. When my daughter saw the payment reflected on her credit card, she had it returned to sender on XXXX XXXX, 2016 because she did n't know where the payment came from! When I spoke to her again that weekend, she said she had it returned on XXXX XXXX, 2016 because she did n't know where it came from. Anyway, I called capital one on XXXX XXXX, 2016 and spoke with a rep named XXXX. He said it takes XXXX calendar days for the " wait period '' and another 3 working days for accounting to return it to me account. Therefore, my {$500.00} should have been back last XXXX XXXX, 2016. I called capital one again on XXXX XXXX, 2016 and spoke to a rep named XXXX. XXXX said she can not help me without my daughter 's permission and referred me to her supervisor, XXXX, with ID # XXXX. XXXX said she can not help me without my daughter 's permission so I gave her my daughter 's phone number. After having me wait about 30 to 45 minutes, XXXX told me that she can have my {$500.00} back to my debit card in 3 business days which is XXXX XXXX, 2016, according to XXXX. When I called on XXXX XXXX, XXXX did not give me the excuse of having to have authorization from my daughter ; and besides the {$500.00} does not belong to my daughter. All information is in the system of capital one, but XXXX and XXXX chose to give me a difficult time and the run around. Definitely POOR CUSTOMER SERVICE!!! This makes me think that capital one is trying to use MY MONEY FOR THERE ADVANTAGE because of people you put on the phone like XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX I need this information removed from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a the same complaint, this is a new complaint with new information attached. 

The last complaint I filed for Identity theft because I did not recognize the accounts on my credit report. After talking with my previous loan servicer, I have new information. 

The attached letter shows my 8 student loans listed under two account numbers that were for IRS tax reporting purposes. Those are the same 8 loans that were rehabbed, they were just housed under those two account numbers and need to be removed from my credit file. 

This is considered double jeopardy. 

attached you will find my rehab letter and my student loan letter from Great Lakes re acc # XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX  allege account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

got a phone call from gray cloud recovery XXXX claiming to be representing speedy cash. i called speedy cash and they do not have an account with XXXX. they asked for my debit card and also claimed garnishment
Product: Debt collection

Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.
Product: Credit reporting or other personal consumer reports

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress.
Product: Mortgage

XX/XX/2021 received notice of escrow shortage of {$1000.00} this amount was paid on XX/XX/2021, 2.after receipt of this payment was told by XXXX XXXX that my new mortgage payment would be {$880.00} going forward but I would have to pay another additional {$140.00} for XXXX because amount paid in full was late they claimed and now XX/XX/XXXX paid my original mortgage payment because I did not have a correct amount to pay now apparently XXXX payment is completely lost I sent proof of payment from my credit union to them today and they are now claiming that they will want another {$140.00} for XXXX because they cant seem to get there act together every time I call which is once a week I seem to get a different story apparently XX/XX/2021 my mortgage is supposed to be {$880.00} increased from {$820.00} but I do not know this 100 % prior to this we paid our payment automatically on time every month My wife and I have good credit and we do not want incompetent mortgage company to screw that up.I would like them to own up explain everything and fix correctly XXXX and. XXXX are the two people I know of most involved and neither one returns phone calls Please Help
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an incorrect credit reporting but I have items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an incorrect credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 -- -- -- -- -- TransUnion : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$450.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED BANKRUPTCY AND INCLUDED THEM IN IT AND CITI bank sent it to a collection agency which reports this as an open colllection on my credit reports, i have written them and disputed it several times, but the collection company has not removed this item and wont stop reporting adverse items on my credit reports CITI BANK {$2300.00} COLLECTION AGENCY XXXX XXXX XXXX I hired an attorney as well but nothing has happened yet
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX Bank was closed and the balance was sold to XXXX XXXX in XXXX of XXXX. 
XXXX XXXX Bank stopped reporting late payments in XXXX of XXXX. 
XXXX XXXX began reporting as a collection account in XXXX of XXXX. 
XXXX XXXX began using XXXX XXXX XXXX XXXX for their collections at an unknown time. 
I began making bi-weekly payments of {$60.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX to pay the balance. 
o Paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has updated my credit report monthly to reflect the balance decreasing. 
XXXX XXXX Bank added a FAILURE TO PAY to my credit report for XXXX of XXXX. 

XXXX XXXX Bank NO LONGER OWNS THE DEBT and should not be reporting a new late payment more than 3 years AFTER the debt was sold. I am making payments to the company that owns the debt. 

To date, they still will not correct my report to remove the late payment in XX/XX/XXXX for a debt they do not even own.
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding the fraudulent accounts that have appeared on my credit report without my authorization. These illegitimate entries are severely damaging my credit standing and ability to make major financial decisions for my family 's well-being. Despite previously contacting your organization about this serious identity theft issue, the improper accounts remain on my report. 

I am formally demanding that you remove and block these fraudulent items from my credit file within four days of receiving this notice. I have included copies of my social security card and driver 's license to verify my identity, per legal requirements. If you fail to promptly rectify this misleading reporting of my credit history, I will have no recourse but to pursue legal measures to resolve this matter and defend my rights.
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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT NUMBER 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a dispute with XXXX for the loan they issued me and asked them to cancel the loan due to non-receipt of the retail merchandise for which they paid the merchant XXXX XXXX and issued me the loan back in XX/XX/XXXX. I had already began making repayments to XXXX  for the item since XXXX and had not received my item from the merchant. I was not offered a refund from the merchant XXXX XXXX, nor a way to cancel the order. In fact, prior to my knowledge, the merchant XXXX XXXX had outstanding complaints of being scammers and not shipping items for which customers had paid upwards of hundreds and thousands of dollars. The merchant has a " no cancellation, refund, and no return policy ''. XXXX informed me that because their merchant XXXX XXXX had a no refund or cancellation policy, regardless of not shipping the item, they would not honor the dispute or cancel my loan; and I would have to pursue litigation directly with XXXX XXXX after repaying the loan for unreceived merchandise. I then contacted the merchant and was informed that they have a policy that if you file a claim with the bank for unreceived merchandise, they will invoice you the bill and send it to collections. I had been scammed for {$260.00} and XXXX  refused to help me and was requiring I repay a loan for an item I never received. I went ahead and made all of the remaining payments to XXXX XXXX finishing my last payment in XX/XX/XXXX. I received an email confirmation that my loan was paid off after the last debit was made from my bank account. Upon speaking with a XXXX XXXX XXXX representative and fraud specialist, I was advised in XX/XX/XXXX that there were laws to protect me and that what XXXX had done was illegal. I was informed to and went ahead to file a claim with my bank and provide different forms of documentation and proof that I never received my item and was never given the option to cancel or be refunded. After a two month investigation was completed by XXXX XXXX XXXXXXXX, the claim was resolved in my favor and a chargeback was initiated with XXXX, and I had reopened my dispute. According to XXXX, in XX/XX/XXXX when the chargeback was initiated by XXXX XXXX XXXXXXXX, their system automatically processed the chargeback and updated my repaid loan status to " unpaid and delinquent '' all the way back to XX/XX/XXXX. This overrode my having paid it off initially back in XX/XX/XXXX. XXXX sent me one email and then proceeded to " charge off '' my loan and send it to collections on XX/XX/XXXX. I have the XXXX XXXX XXXXXXXX claim resolutions and proof of emails from the manager at XXXX XXXX stating that he would be unable to provide me with my custom item due to my fault, thus he would not issue a refund or cancel the order so that XXXX could cancel the loan. The chargeoff is now on my credit report, showing the loan delinquent as of earlier this year -- which is all inaccurate information. I offered bank statements showing I made initial payments. And I kept pushing I am a victim of retail fraud.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX, i was notified XX/XX/2023 that a replacement card was sent to my address. I waited on the card and it did not show up. I then later recieved a Link sent to my phone from Bank of america stating i needed to verify charges to recieve card. I knew somthing was wrong because i havent made any charges on my account. I latered contacted Bank Of America to find out my account was drained of my Funds. Later after the phone call My User name was Randomly sent to me. I logged in after changing the password to see how the money was taken. PLease check the trasnfer account, i have made none of these charges.
Product: Credit reporting or other personal consumer reports

Self financial Inc Payment status ; collection//chargeoff Account status : paid Date closed : XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  does not give me my refund and they did not resolve my issue as of today .they sold lies to me, They charged me based of misleading information given by their agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX XXXX 2XXXX XXXX XXXX 3- XXXX  XXXX XXXX XXXX 4-XXXX XXXX  XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX 9-XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX XXXX XXXX XXXX 12-XXXX XXXX  XXXX XXXX