23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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.

n 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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name. Capital One, ( Account number XXXX Account name XXXX XXXX Account number : # XXXX, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 f 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. their Also not licensed To Collect Debt in the state of Iowa They are Required by the law to be licensed to collect Debt in the state of Iowa. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit card

Around the spring of XXXX I was notified that my Bank Of The West ( BOW ) credit card was going to be bought by BMO. Before the transfer date I contacted BOW to get some answers to some very important questions. i wanted to know if any of the terms would change. I was told they would stay the same. specifically asked about my promotional rate of XXXX % APR until XX/XX/XXXX. They told me it included balance transfers and purchases. Around XX/XX/XXXX I did purchase repairs for my spa for about {$500.00}. The transfer took place and I received my first statement from BMO for this credit card that was bought sometime in XXXX. There was a finance charge for the purchase on my statement. THIS IS CLEARLY NOT WHAT WAS REPRESENTED TO ME BY THE BOW ASSOCIATE. I contacted BMO and they reversed the finance charge. At this point I thought that this matter was resolved. A month or XXXX passed and when I checked my statement there were new finance charges. I contacted BMO to resolve this matter. It was at this time that they insisted that they were not going to honor BOW representation and they would charge finance charges on the purchase, I told them that I was not pleased that they would not honor the misrepresentation made by BOW employee. XXXX offered a suitable option. I toid them XXXX wouid like to send them {$500.00} to payoff the purchase in full. I would continue with the promo rate on my balance transfer. THEY TOLD ME NO. They said that if XXXX were to send {$500.00} it would go towards the balance transfer balance at XXXX % not the {$500.00} balance at XXXX  %. XXXX told them that if you were not going to waive the finance charges then you must allow me the option to payoff this balance. I feel cheated and scammed. They forced me into paying interest on a balance with a much higher rate. Any other Bank, XXXX, XXXX would always allow me to payoff a balance and have it directed to either a purchase, balance transfer or cash advance. In conclusion, the misrepresentation by BOW is fraud. All other disservice by BMO is unethical and immoral. I believe that when a bank purchases an account from another bank, they inherit the GOOD and the BAD. BMO did not want to step up and honor the representations made by an account that they purchased. Thank you for your help
Product: Credit reporting

I have been requesting a copy of the verification from " Transunion Credit Bureau '' for the Chapter XXXX Bankruptcy Discharge ( Docket # XXXX ). I contacted the US Bankruptcy court and was informed that they don not deal with credit reporting agencies. That they have there own sources to place inquiries on my consumer report. I have place Security Freeze back in XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, so I am not understanding how Transunion was able to verified. So on Letter Date XX/XX/XXXX, I had a Freeze on third consumer filed. I demand that this public record for Chapter XXXX Bankruptcy # XXXX be removed from my file due to lack of verification and inaccurate reporting of verification was date XX/XX/XXXX. I have requested three time that Transunion provide proof of verification as of today, I have not receive the documentation shown proof of verification. 
I request and demand that this public record Bankruptcy ( XXXX ) be removed/ permanently deleted due to lack of verification and inaccurate reporting of verification date. Because third party consumer DO NOT disclose information on accounts with a security freeze placed on them. Please assist me with the above issue.
Product: Checking or savings account

I tried to open bank account and was denied because of unauthorized account on my XXXX XXXX XXXX told XXXX XXXX these were due to identity theft but no response citizens bank $ XXXX citizens bank {$88.00} 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Debt collection

We were sent items for an XXXX machine that were incorrect and do not fit the machine. We purchased the XXXX from XXXX and when I called to order a replacement hose, nose pillows, filters and face mask I made sure they were aware of the new machine ( which they sold to us ) and requested only those items. When I received the package from XXXX it not only contained all items for the old machine but also items I did not order. I immediately called and explained the problem and was told the correct items would be sent along with a return postage box for the incorrect items. Later that day I received a telephone message stating it would not be cost effective for XXXX to send the paid postage for the items to be returned. In the meantime they billed by insurance company for all of the wrong items as well as the items we did not order and received {$230.00} from them and while they did send the correct filters and pillows we never received the correct hose. The machine we have now requires a non-heated hose and the one they sent and are billing us for is heated and will not work with our machine. I have explained this repeatedly and also asked that they reimburse our insurance company the amount fraudulently billed and to either send a postage paid box for the items that do not work and credit us for those, Instead it has been in collection for months with harassing calls and letters to us. Our time, costs and emotional and physical torment is adding up and we need this to be handled correctly and we need to be paid for our time, expense and torment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XXXX XXXX I applied for haf through XXXX. 

My haf application should stop the foreclosure process. 

On XXXX XXXX Selene Finance my mortgage company claims to not have anything from haf. 

Haf needs them to send my mortgage records And this will stop the foreclosure.

I need Selene to send my mortgage record to haf and remove me from foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the account with XXXX XXXX back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from Trans Union however it is still reporting to XXXX and XXXX.
Product: Credit card or prepaid card

My credit card with Citi has been blocked multiple times within a month. 


Last time the card was blocked when I tried to do purchase at the supermarket via chip payment on the card. I have tried to reach out to the fraud department of Citi multiple times each time the fraud depart has trouble authorizing me. 
- They asked phone number on the account but that was not good for verification. 
- They promised to send me a link for recovery over email - I never received one. 
- They asked to provide another phone number - that was not good for them too. 
- They asked me to provide a person at my job to verify my identity. 

Sharing my personal information is 3rd party is against the Gramm-Leach-Bliley Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau multiple times about these accounts that does not belong to me. this information is fraud and i want it investigated as soon as it can be and it needs to removed off of my credit report!
Product: Mortgage

on
XX/XX/XXXX I did sold a property with a pay off with CitiMortgage, after that closing on October the 2nd, CitiMortgage has charge me the monthly payment. I did Call the same day the person that respond to me said that was an error on there system but in 72 hours I will get me money back after the 72 hour I did call and get the surprise that will be together with the refund on the escrow account today after all this days struggling since that I have to aid other expenses I have not receive my money back.
If the mortgage is pay off way their system accept a new payment that was suppose to be refusing the service.
I did call the representative toll me that I have to wait 6 to 8 weeks to receive my money back.
My response was so is ok for the bank to get the person monies and pay back when they want but if the person is delay they charge you penalties and report to your credit.
The system is complete crocked companies and banks has all the power so we are trap on there white hand robbery
Product: Debt collection

On XX/XX/2018, I opened an account with XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

about two weeks or more i cancel my account with freedom debit and got n confirming email from them it was canceled but still they took {$110.00} out of my account today XX/XX/2020 ask for my money back and have no answer from them on this problem i have problems before with this company and have not solved them as to they took out the money and overdraft daft my account after i told them cancel it for {$40.00}
Product: Money transfer, virtual currency, or money service

Bluebird by American Express denied a fraud claim for items totaling XXXX including charges from XXXX XXXX  on XX/XX/XXXX, amounts of XXXX and XXXX. As I stated to both XXXX reps and Bluebird fraud dept, I did not receive anything from this merchant and do not know the person using XXXX account, XXXX. XXXX has not provided any proof of receipt such as a tracking number and or description of item ( s ) supposedly sent. Two other charges from XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX are also fraud, the merchant refunded a total of XXXX on XX/XX/XXXX, amounts of XXXX and XXXX. I do not know the reason for refund, the merchant refers me back to American Express to dispute the items. It appears the merchant chose to refund part of the transaction in the amount of XXXX on XXXX, did not state reason ( s ) why and refused to refund difference. Bluebird has not provided reasons for decline of claim or shown any proof the charges are authorized by myself, refuse to investigate further despite the information I've shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 : XXXX ***** XXXX XXXX XX/XX/XXXXAccount number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XX/XX/XXXXAccount number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXXXX/XX/XXXXAccount number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXXXX/XX/XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX ***** XXXX XXXX XX/XX/XXXXAccount number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XX/XX/XXXXAccount number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXXXX/XX/XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Equifax ***** XXXX XXXX XX/XX/XXXXAccount number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XX/XX/XXXXAccount number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In XX/XX/2022, our PenFed XXXX signature credit card had a fraud charge. Penfed agreed and issued a new card, closed the old account and promised to reverse the fruad. The new credit card statement had a balance forward of the fraud charge. Contacted PenFed billing and outside credit department in XX/XX/2022 to question this, they said the balance had been doubled reversed and this was the double reverse coming forward because it was included on the previous statement. Requested prove, but the XXXX statement on the closed account showed no transactions let alone a double reverse of the fraud charge. Again we contacted the Credit department and the billing inside departement. They apologized and promised it would be reversed immediately ; we should see it the next day. When this did not happen we contacted them again and again they apologized and promised it would be reversed of which they left a phone message for us to confirm this. The charge was never reversed, and email/phone call harassment began. I contacted them to make them aware of my XXXX and XXXX XXXX; requested they no longer email or call me because it could trigger XXXX XXXX. They refuse to listen and began calling me every day twice ; once identified as Penfed and again as identified as spam. I receive XXXX calls a day now some in the middle of the night. We also had earned reward points with our purchases and in full payments previously. After the harassment started, they put a hold on our rewards cards earned previously. This would be false benefits offered when their mistake can cause them to withdraw them.
Product: Debt collection

I did not receive notification that the debt was owed nor did the company notify me regarding the debt being transferred to a collection agency. After reaching out them to request this information, roughly 2 months ago, I still have not received any of this information. As of today, I believe they have sold the debt to another collection agency and as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Apt XXXX XXXX, NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute an error I found on my credit report. Upon reviewing my report, I noticed that the [ XXXX ] account has an incorrect account opening date listed. The report states that the account was opened on XX/XX/XXXX but according to my records, the correct opening date is XX/XX/XXXX. I am writing to formally dispute inaccurate and outdated information on my credit report. I noticed the following errors that require immediate correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX tx, XXXX This account has exceeded the legally allowed reporting period of seven years and should be removed from my report.

Under the FCRA, negative information must be deleted after seven years ( except for bankruptcy, which has a different time frame ). Please ensure this outdated account is removed immediately.

I have attached supporting documents, including mention any supporting documents to verify the correct information. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and update my credit report with the correct information.

Please provide me with a written response regarding the results of your investigation. If you determine that the information is indeed incorrect, I request that you send me an updated credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. If you require any additional information, please contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have auto-pay set up for the XXXX and XXXX XXXX of the Month, i login and pay online via credit card on each due date. Within XXXX the harassment starts via constant calling and saying the payment has not been made! i continue to get called constantly throughout the day by Bridgecrest financial agent claiming payment was not made. 

There has to be a way to make them stop. 

Payment is XXXX semi monthly XXXX and last day of the month
Product: Credit reporting or other personal consumer reports

Lexisnexis, XXXX XXXX XXXX, XXXX are reporting a bankruptcy On my credit report and they have put in the date of furniture that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is false, attached is a copy of a letter from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX verifying and stating that they do not furnished information over to the credit bureaus or any credit monitoring services nor they verify or validate any information concerning Bankruptcies. XXXX, XXXX & XXXX are falsely stating this information on my credit reports and have yet removed this information from my credit reports.THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA {$610.00} ( XXXX XXXX $ XXXX ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY