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

This is my multiple 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX. Balance : {$360.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Synchrony Bank is offered me a settlement of {$150.00} at {$50.00} a month for 3 months they refuse to put it in right and back in XXXX of XXXX now they have gone back on their offer and they're demanding the full balance.I was ready to accept the offer of {$150.00} but everybody refused to put it in writing.I had a family member was going to lend me {$150.00} but soon to any Bank refuse to put the offer in writing so my family member can lend me the money.my income {$750.00} a month XXXX and I only going to make it a payment plan of XXXX dollar a month synchrony Bank refused to accept my payment plan after I have showed my hardship and rather continuously add fees and interest. Sending my account to other collector that harass me none stop will not get no more money from me because I don't have it.
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 USC 1681. 

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 : 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, credit repair services, or other personal consumer reports

the following accounts that appear in my report do not belong to me, please check them XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

WF/XXXX  XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov.

Please dispute the account. It was opened without my knowledge, authority or consent. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer and I am worried about my credit score. I have noticed that there are XXXX alleged late payments on a Closed Self Lender Account ( XXXX ) and as Closed Kikoff Account ( XXXX ). I have disputed this issue with the XXXX, XXXX XXXX, XXXX, XXXX, and XXXX. Under Penalty of Prejury they cant provide proof that they have not broken the and violated my consumer rights. Under 15 USC 1681a ( 2 ) ( A ) ( i ) there should not be any late payments on my consumer reports. It is because Congress states that a Consumer Report does not include information soley as to transactions between the consumer and the person making the report. Financial institutions do not have the authority to report late payments or any and all negative information about a consumer to the credit bureaus. That is their policy but I am stating consumer law as a consumer and their policy doesnt supersede Federal Law. Also, I disputed these accounts on XX/XX/2022 and Under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e.False or misleading representations ) since I disputed a debt and they fail to report it as disputed to the credit bureaus that a violation and must be deleted my from consumer reports. They failed to issue the notice of dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XX/XX/XXXX i sent transunion a letter disputing some collections that are reporting on my credit report and asked them to verify the information they are reporting to my credit. it has been over 45 days and i have yet to get a response from the company or have even processed my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to an account listed on my credit report as : XXXX XXXX XXXX XXXX XXXX XXXX. This alleged debt is past the statue of limitations. Experian continues to report as verified current information, This is also in regards to an improper address that is now appearing on my report as " XXXX XXXX  - XXXX, NY ". This is not a correct address and Experian will not remove. 

I received documentation from debt collection agency that shows this alleged debts original date of delinquency as XX/XX/XXXX. This alleged debt is now past the statue of limitations for collection and is now time barred. The debt collection agency no longer has the right to collect on this debt, therefore they ate no longer permitted to report this alleged debt to the credit reporting agency. The debt collection agency is also trying to report a new address of XXXX XXXX XXXX, NY Which is not a legal address and it is believed they are doing this as a form of retaliation due to them receiving a cease and desist letter from me, due to them trying to collect on a time barred debt, that is past the statue of limitations for collection. 
Documents attached.
Product: Mortgage

Trying to take over loan my son was named XXXX on his mother estate but has a XXXXXXXX XXXX XXXX XXXX just wanted to take over loan
Product: Mortgage

XXXX charged my husbands bank account twice after being informed that he passed away then charged me XXXX dollars for a charge back. Called the company informed them what they did was wrong they told me it was my banks fault. I called my bank they had no transactions like that other then denying the charge but never charged me a fee. 
XXXX failed to inform me that the insurance policy was canceled due to my husbands passing instead sent emails to my deceased husbands email which o had no access to. Sent me a letter 30 days later telling me that they are charging me XXXX dollars because I had no insurance for 30 days. Contacted the company yet again told them and they said it was the insurance companies fault and not theirs and that I was out of luck. 
XXXX filed for bankruptcy that doesnt include my house but I need a reaffirmation agreement and they refuse to provide me with one unless I refinance or affirm. I told them I would refinance they said I was not eligible because of bankruptcy and I said well let me reaffirm they told me it will take 9-12 months. They told my lawyer I need to assume the loan or surrender my house immediately. I have not missed any payments. Now they refuse to return or call myself or my bankruptcy attorney back. After several calls they just give me the run around and claim my loan is not found.
Product: Credit reporting, credit repair services, or other personal consumer reports

- FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past XXXX XXXX to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting or other personal consumer reports

I ask agency to remove incorrect address from my profile and they refused dispute or remove it.
Product: Debt collection

XX/XX/2021 I attempted to pay my debt. I was accused by XXXX of not being willing to pay my bills ( in general ). This is despite the fact that I was calling to make a payment. I asked XXXX to remain respectful, and she hung up on me. This made it impossible to make a payment. 
I called back later, and I was put on hold. This again prevented me from being able to make a payment. 
I called back again. This time I requested information to pay my bill online. The information I was given was inaccurate, and I was not able to create an account. This was the third time I was prevented from making a payment. 
It seems extremely unethical/illegal to create a situation in which it is impossible for a consumer to make a payment. 
I was also told that I was going to be marked " unwilling to pay '' - despite the fact that I was currently attempting to make a payment. I had made that clear from the beginning. 

I am left stressed out, as I want to resolve this issue. I have my debit card sitting next to me, and have been ready to make a payment with this company. I have now attempted to do so 3 times today. Due to the behavior of the employees, I have been unable to make a payment.
Product: Debt collection

FIRST OF ALL, CREDENCE IS IN VIOLATION OF MULTIPLE LAWS! 
FDCPA SECTION 807 FALSE AND MISLEADING REPRESENTATION BECAUSE THEY ARE NOT AN ATTORNEY! 

IM NOT EVEN SURE HOW THEY EVEN " BOUGHT '' THIS DEBT BECAUSE IT DOESNT EVEN BELONG TO ME! EVEN IF IT WAS MY DEBT ITS STILL CONSIDERED " A CERTIFICATE OF INDEBTEDNESS '' WHICH IS ( INCOME ) AND CAN NOT BE REPORTED TO A CONSUMER REPORT! 

LASTLY, THEY ARE VIOLATING 15 USC 6802 Obligations with respect to disclosures of personal information. THAT DOESNT EVEN BELONG TO ME! SO NOT ONLY DOES IT NOT BELONG TO ME THEYRE POSTING IT TO MY CONSUMER REPORT WITHOUT MY PERMISSION! 

IM DEMANDING THIS BE DELETED IMMEDIATELY UPON RECEIPT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as i have previously notified Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out letter to find out why it was on my report on XX/XX/15 received reply on XXXX stating they didn't know what I was talking about. I sent the acct number and they also listed it on the reply. Their letter stated they didn't have anything to verify the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$34000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Request for Removal of Accounts under USC 1681 Dear Sir/Madam, I am writing to formally dispute the accuracy of information reported on my credit file, specifically regarding the accounts listed under DPT EDXXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and after reviewing my credit report, I have identified several discrepancies concerning these accounts. I believe that these entries are inaccurate and should be removed from my credit file as outlined under USC 1681.

The details of the disputed accounts are as follows : 1. DPT EDXXXX {$9500.00} 2. DPT EDXXXX {$7900.00} 3. DPT EDXXXX {$5900.00} 4. DPT EDXXXX {$5000.00} 5. DPT EDXXXX {$4600.00} 6. DPT EDXXXX {$3400.00} 7. DPT EDXXXX {$2600.00} 8. DPT ED/XXXX {$2600.00} 9. DPT EDXXXX {$580.00} These accounts have been reported inaccurately and I request that you thoroughly investigate each one. I am requesting that all XXXX accounts be removed from my credit report due to non-compliance with the provisions of the Fair Credit Reporting Act and because the information is incorrect. 

Under the FCRA ( USC 1681 ), I am entitled to a fair and accurate credit report. As such, I ask that you investigate these items and correct or remove the accounts that are being reported inaccurately. Please provide me with a written statement detailing the results of your investigation and any actions taken on these accounts. 

If the information can not be verified as accurate, I expect these accounts to be permanently removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Bank of America closed my checking account. When I tried to reach out to them several times from XXXX XXXX they only gave me a response saying it was a business discussion, thats all the information you can provide you. Recently before that in XXXX I was at a park playing basketball when my phone & Wallet where stole. The Thieves somehow managed to access my card & went to an atm & withdraw {$1500.00} dollars out of my account, I dont Know the exact day but it was in middle XXXX. I have an XXXX so I was able to track my phone & recover it but not my wallet with my information, when calling Bank of America to report my {$1500.00} dollars missing I had to file an dispute in which they provided a temporary credit but eventually overturned it. When I talk to someone about why it was overturned I was told by an Bank of America employee on the phone that you claim was denied because our ATMs team member who viewed the footage says the person seen in the video looks like you withdrawing the money which to me was very offensive because I know if they looked at footage on any other day they would see a totally different person then the person who took my money. With that information that led me to know the suspect who stole my phone & Wallet was an XXXX XXXX because I myself am. There was also another dispute I filed from my checking account with them for {$2500.00} dollars that the same person transferred to XXXX XXXX from my account when they had possession of my phone. When I filed that dispute they didnt offer me a temporary credit they told me I needed to fax a police report & which I had and a hand written letter explaining the chain of events in which I did. weeks later no response when I called and spoke to someone they say my information was never received somehow they provided me with the old fax number the first time I have to re fax the information & my account was in the process of closing Ive been dealing with this situation since XXXX I finally got my credits in XXXX of XX/XX/XXXXXX/XX/XXXX& XX/XX/2022 but due to them messing up my consumer credit report no bank will approve me because of their false accusations.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

CitiCards CBNA is inaccurately reporting XXXX late payments on an account that was discharged in XXXX XXXX - Bankruptcy. This creditor is vindictively refusing to correct the error in reporting to the credit bureaus causing me severe financial harm and increased interest rates on accounts with other creditors. 

I have submitted disputes through the credit bureaus and attempted several times to contact the creditor directly, where they hang up on me or direct me to pre-recorded information that is not relevant to my situation. The single time I was able to speak to a customer service representative for CitiCards CBNA, they told me I need to pay the discharged debt in order for them to take any action on my credit report errors. Attempting to collect a discharged debt in Bankruptcy is a violation of Federal Bankruptcy Law The debt was discharged in XXXX and the vindictive nature of CitiCards CBNA actions is to circumvent Bankruptcy protection laws and attempt to collect the debt that was legally discharged.
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 XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights 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 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

Subject : Notice Of Dispute - XXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.