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

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame. 
1. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX XXXX Account Number : XXXX**** Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. I have not supplied proof under the doctrine of estoppel by silence Engelhardt vs. Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists. 
XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

4. The following personal information is incorrect Account Number : Name : XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Checking or savings account

I recently submitted a complaint against Bank of America, BAC. In response to the complaint, Bank of America has still not furnished the requested and promised documents which, in this particular case, simply amounts to their legal obligation to give to me the statements. Like everyone, I do have taxes to pay, and also certain prior debts to examine and consider, and specific legal issues to fund and address, but I also am aware that Bank of America is in possession of my entire medical record file and chart, and possibly much more. Well, I certainly never consented to or was told about this issue, and I believe that BOA, now and wildly, has a lot of explaining to do... for my perspective. Many of those medical appointments, were never funny to me, but were sought and experienced soley by myself, for myself and always with consideration for my own health and welfare, medical side effect concerns, and like anyone else : the sound and critical ability to care for my self, both now and in the future, and to ultimately live a long and prosperous and aspiring life - somewhere, that is. I do need my personal and private HIPAA-guarded and regulated, file of medical records. Thank you for understanding. Thus, Bank of America, you are hereby notified : Preserve my entire personal file and chart, XXXX XXXX notes and recordings, as well, and do not distribute, relocate, hide, modify, or tamper with my medical file, including as it may, that might or could have, to whatever extent, photographs, imagery, recordings or of course prescription data and histories, along with Provider and Insurance notes and alleged or true, or even " XXXX  '' diagnoses, and there is a few of those! Please let me know and to whatever extent ( s0 is the case, how much of my personal, private medical files and information is/are in your banking possession. I never gave my consent or permission, and certainly never had any knowledge that this was even possible or had occurred, which is that the Bank - that I banked with - was not only also sitting around with my medical and any non-banking, personal documentation ( s ), but also had, apparently, found this or any related or ancillary relationships or circumstances either worth talking about or plain amusing. I now request, and phone calls are not necessary or going to happen due to my own, personal safety concerns in part with you, and also because they are totally irrelevant given the issue at hand. Please provide a digital-only copy of all statements for all past checking and savings accounts, XXXX XXXXXXXX accounts, and a copy of all terms and conditions, and account agreements for each and every account that I have had - ever- with BOA, and this shall include all credit card accounts and their statements, too. Please, include any declined or accepted business-account applications, but also while at it also, do tell that is, why you require a phone call in order to process and provide credit card statements when, at the same time, strolling into a branch or sitting at a computer with a staff member is all that can be, or is required in order to get checking/savings account statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2020 my wife and I purchased a new vehicle. The car dealership ran a credit report through Equifax. I cosigned on my wife 's preapproved loan. After they tan my credit somehow Equifax dropped my credit score 116 points in a matter or minutes. It went from XXXX to XXXX. When I pulled my credit report to see what happened, it is showing 32 changes made and closed 23 of my accounts. They closed my entire credit history including active home equity loans, open credit accounts and my entire life of working hard to keep good credit. Of course equifax was closed when I found this information out on Friday. I called today Monday XX/XX/2020. I spoke to XXXX from Equifax, she was unable to help be because there is no information on equifax to verify my identity. I dont know what to do. The other reporting agency 's have all of my accounts- all 25 of them. My credit score with XXXX is correct. I dont understand how a credit agency can wipe out my credit life in the click of a button and I am unable to fight them on their mistake. Can someone please help me. XXXX and XXXX are showing everything still, equifax is the only one that deleted all of my accounts. And since I was part of the data breach from equifax I am really concerned this is a fraud attempt. Equifax wont help and they hung up on me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX XXXX  Account # XXXX with a balance of {$420.00}. This account was previously reported as fraudulent and was removed from my credit report on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate, and the re-reporting of this account constitutes a violation of that law.
Product: Checking or savings account

This is related to Complaint XXXX, Unauthorized transfers on unverified debt. NAVY FEDERAL CREDIT UNION alleged I owed XXXX and used amounts from my checking account towards this balance after I directly asked for clarification regarding the credit section of the statement. 

Today I noticed that the amount has decreased to XXXX approx. without any explanation. I did in fact do a complaint regarding the transfers and I do expect to get a written explanation concerning the transfers. 

NAVY FEDERAL CREDIT UNION, ( NFCU ) is not abiding by the law and must be held accountable for their grave fiduciary failure in regards to financial accounts. 

Thank you.
Product: Mortgage

My loan was recently sold back to XXXX XXXX XXXX. Bay view loan servicing decided to add XXXX cents onto my loan under XXXX advance without notification or any explanation. They just sneakily applied it to my loan. XXXX XXXX XXXX than decides to add that to my loan payment and says I owe that much. First off let me say I am disputing all of those charges. I phoned bayview and they advised me all it says is its for litigation ... ..I have no litigation and it was added conveniently to my loan in XXXX XXXX ' to the time it was transferred in XXXX XXXX. I had no notice of it I was just paying my monthly mortgage.
Product: Credit reporting

I attempted to purchase a phone from XXXX and they told me that my credit was badd and I had to put down a huge deposit. This sparked my curiosity about my credit because I am XXXX and never put anything in my name. So I went to credit karma to try and get my credit score and it kept saying my personal information I provided did not match the records. Then I went to Transunion to request a free report and it told me that my personal information was also incorrect. My name, birthday and social I entered I know is 100 % mine and correct.
Product: Credit card or prepaid card

In accordance with the Fair credit Reporting Acts, this creditor has violated my rights under 15USC1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under15 USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for any purpose.
Product: Debt collection

Source Receivables Management is currently attempting to collect a debt on behalf of XXXX. However, I believe the debt is not valid because XXXX voided the terms of our contract by misleading me to believe that my monthly bill would be lower than it actually was. 

XXXX XXXX 2014, my 2-year contract with XXXX was ending. At that time, XXXX was advertising an " Unlimited {$60.00} '' plan and I was considering switching to that plan from my " Every Data 450 '' plan. 

XXXX suggested that there could be monthly fees of up to {$35.00} associated with the " Unlimited {$60.00} '' plan, in addition to the base cost of {$60.00} per month. Prior to switching to the " Unlimited {$60.00} '' plan, I confirmed with several XXXX employees over the phone and through an online chat service that the $ XXXX monthly fees would not apply to me. I decided enter a new contract with XXXX, purchased a new phone at a price less than retail value being offered to customers entering new and renewed contracts, and switched to the " Unlimited {$60.00} '' plan. 

When I received my first bill, a monthly fee of {$35.00} was applied in addition to the base cost of {$60.00} a month. I contacted XXXX and explained that the $ 35 monthly fee should not apply to me, as multiple XXXX employees had told me prior to entering the contract that the fee would not apply. I also suggested that I would return the phone and we could terminate the contract. I offered these solutions to a XXXX employee over the phone and in the online XXXX XXXX forum. My conversation with a XXXX employee in the online forum has since been deleted. 

I believe XXXX voided because, despite the fact that several employees suggested I would not be charged a $ 35 monthly fee in addition to the base cost of {$60.00}, XXXX still applied this fee to my account. I made several good faith attempts to resolve this problem, but XXXX was unwilling to agree to the solutions I offered or to offer alternative solutions. When it became apparent that XXXX was unwilling to abide by the terms of the contract, I ported my cell phone number away from the service. 

At this time, XXXX is requesting I pay {$820.00} in cancellation fees and for the phone I purchased, which I was unable to use with any other cell service. XXXX has referred my account to a XXXX Receivables Management, which is reporting the debt to credit reporting agencies. I do not believe I am obligated to pay XXXX because XXXX failed to provide service according to the terms of our agreement. I also believe that reporting this debt to credit reporting agencies is a violation of the Fair Credit Reporting Act. 

I sent a letter to Source Receivables Management in XXXX detailing my complaint and included evidence. I requested that Source Receivables Management cease reporting the debt to credit reporting agencies. However, Source Receivables Management was unwilling to do this.
Product: Credit reporting or other personal consumer reports

YOU ARE REPORTING SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE. THESE ACCOUNTS HAVE INACCURACIES IN THE DATE OF LAST ACTIVITY/STATUS DATES AND THE PAYMENT HISTORY. THEY ARE ALL DIFFERENT IN EACH ACCOUNT AMONG XXXX, TRANSUNION AND XXXX. THIS IS A VIOLATION OF THE FCRA AND THEREFORE THE INACCURATE INFORMATION MUST BE DELETED. DELETE THESE ACCOUNTS. ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXXXXXX )
Product: Debt collection

FICTITIOUS ACCOUNT OPEN UNDER MY PERSONAL INFORMATION WITH YOUR COMPANY XXXX XXXX  account # XXXX date open XX/XX/year>2022 I believe that I have been receiving communication from your company in relation to allege account. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable Florida state laws ( FCCPA ), that all communication regarding this ALLEGE matter cease immediately. 

CEASE ALL REPORTING OR SHARING OF MY PERSONAL INFORMATION I HAVE Attach FTC REPORT, POLICE REPORT AND AFFIDAVIT OF FICTITIOUS ACCOUNT please remove and re-investagte
Product: Checking or savings account

My wallet and phone were stolen we had personal information on it anything they needed to pretty much use my cards or phone or whatever change passwords a bunch of things I filed a police report because they PayPal had asked me to they then told me That they don't accept a police report I have called several several times talk to several several several different people they reopen my account then close it again not even an hour later and I had been permanently limited to using it I didn't have access to the funds after filing claims for unauthorized use for fraudulent activity they have put me on hold hung up on me for hours they poorly treated me very poorly They didn't seem to even want to help they told me if I did this or did that and provide them with this that they would do you know whatever and and do their part which they didn't I had been laughed at hung up on put on hold for hours They finally were able to open my account it was asking me to verify me verified a verification process which I had gotten verified a couple of different times on each time I clicked on something then all of a sudden it won't let me go through with anything not even a transfer not even a debit card nothing I know the decision is on their security team so I don't know why I was accepted at first several times of doing it and now it's not in every way possible from face scan to ID to email to phone number you name it I did it I called and talked to people a bunch of people that kept giving me the run around kept hanging up on me I feel I was poorly treated and profiled and I've not taken serious and I think they do this a lot to a lot of people and I think they've getting away with it for too long and I think now 's the time that they really take responsibility for their action It's a lot more in more to discuss it's just very long and I don't know how to explain it
Product: Debt collection

A month ago or so I noticed a collection on my account from Revco Solutions for {$3000.00} that I was not familiar with. It stated it was reported XX/XX/2024 and was 7 months old. I followed the prompts online to dispute it and the dispute was rejected I guess. I did not receive any notice regarding it afterward. I waited a few weeks anticipating that it may take time to come off. I later called the company and requested they cease and desist from debt collection attempts and communications, as I did not give them consent to have my information and to delete it from their system. I also requested the collection/ charge off be completely removed from my credit report. Im aware that reporting collections is illegal. As per 15 USC 1681 Section 602-604 which states they can not violate my privacy without my WRITTEN consent. I have never provided consent to this company to report collections/chargeoffs to my credit report. Please let me know our next course of action.
Product: Credit reporting or other personal consumer reports

My concern about not receiving my credit scores as expected. Despite following all necessary steps and providing the required information, my scores have not been made available.
Product: Credit reporting or other personal consumer reports

Late in the afternoon and experian still lying about being able to view on line as usual
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the Bankruptcy account listed below is still reporting on my credit report which is a violation of FCRA. The TransUnion bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, it failed to properly investigate the matter by using a third party as their verification provider and continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION CREDIT BUREAU, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the bankruptcy account below in my file U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEAS DELETE ALL WRONG NAMES AND ADRESS ON ALL OF THE CREDIT COMPANY AND IN CORRECT NAMES.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Checking or savings account

THERE ARE TWO TRANSACTION THAT WAS MADE WITHOUT MY AUTHORIZATION .... I WANTED SERVICE BUT I DENIED THE SERVICE DUE TO RACIAL TENSION, YET I WAS STILL CHARGED. i EXPLAIN THIS TO THE BANK
Product: Credit reporting or other personal consumer reports

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX-Debt XXXX Final Rule. 

ACCOUNTS : Chapter XXXX Bankruptcy XXXX INQUIRIES : { Inquiry name - Inquiry date } XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SUN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

IN XX/XX/XXXX, I CO-SIGNED A PHONE SERVICE FOR MY GRANDSON. XX/XX/XXXX I HAD MY NAME TAKEN OFF AS A CO-SIGNER, AND ANY AND ALL FUTURE CORESPONDENCE WENT TO HIM. I HAVE BEEN HARRASSED AND HAD CONSTANT PHONE CALLS WHICH CAUSED ME TO HAVE MY PHONE NUMBER CHANGED. I HAVE TOLD " DIVRIFIED CONSULTANTS '' I DO NOT OWE THIS BILL, WHICH IS {$1100.00}. I AM A XXXX XXXX AND GO OUT OF MY WAY TO SEE THAT ANY AND ALL OF MY OBLIGATIONS ARE TAKEN CARE OF. WHY DO I HAVE TO PAY THIS BILL WHEN I NEVER OWNED A XXXX PHONE OR MADE OR USED ANY OF THEIR SERVICES. TODAY I LEARNED THESE PEOPLE HAVE FILED A JUDGEMENT AGAINST ME. AND HAVE RUINED MY CREDIT. I HAD APPLIED TO MY BANK FOR A USED CAR LOAN AS MY XXXX BUICK WANTS TO RETIRE. AND WAS TOLD I WOULD NOT BE ABLE TO GET A LOAN BECAUSE OF THIS FALSE ATTEMPT TO COLLECT A LOAN I DO NOT OWE AND WOULD HAVE TO PAY OFF TO PREVENT ANY MORE DAMAGE TO MY CREDIT..THIS HAS KNOCKED ME FOR A LOOP TO BE TOLD BY MY BANK OF WHICH I HAVE ALWAYS BEEN IN GOOD STANDING. THAT I NOW HAVE A JUDGEMENT AGAINST MYSELF. THANK 'S FOR LETTING A OLD LADY TELL HER TALE OF WOE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I repeatedly requested to delete this information as it did not originate from me! 
Requests were sent to Experian, XXXX XXXX XXXX without response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Rent Recovery Soluti has violated my rights.

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.
Product: Debt collection

I called creditors on XX/XX/year> and spoke to representative asking them This item is inaccurate and incomplete because I never recieved my requested for my forward flow agreement and chain of assignment that is law. I am requesting that this item be removed from my credit.Please investigate this matter and delete and or correct these disputed item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy discharge ref # XXXX U.S. BANKRUPTCY-CENTRAL DISTRICT Address : XXXX XXXX XXXX XXXX XXXX, XXXX CA 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