23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Invalid Debt was already disputed and removed from credit report. Debt validation letter sent out to first company that claimed debt was owed, Company never responded. Company came to my residence and offered two phones in exchange for trading in my XXXX XXXX that I already owned. The price that At & t presented was not the price that was discussed. I returned the two XXXX  and have proof along with documentation showing the sent back property. I also have emails corresponding with a supervisor about this problem. I have also not received my property that consists of a XXXX XXXX that has been Paid in full, I was promised my phone would be returned to me and no one has gotten back to me. The original Debt of {$1300.00} was disputed in XXXX of XXXX  was reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Phone number for company is ( XXXX ) XXXX. Account that was reported on credit report was removed and then was placed back on credit report in XXXX of XXXX  for a dollar less for {$1300.00} by a different company by the name of XXXX, XXXX their address is XXXX XXXX XXXX, XXXX, IL XXXX and phone number is ( XXXX ) XXXX. XXXX is being reported illegally and fraudulently. It is being reported as a duplicate account, with a different account number and a different amount for the second time. This reporting is in violation of the Fair credit reporting Act.
Product: Student loan

As I understand this issue, a student loan account was opened in 2004 for my continuance of education. During this time I had repeatedly tried to resolve the debt through settlement, however, CitiBank did not accept any terms and turned the matter over to a collection agency. The collection firm hired did not follow fair debt collection practices and was forced to remove the charge. CitiBank has now taken this matter a step further and not only have it showing on my credit as a closed/charge off account, but additionally a LATE payment since at some point they have assessed an {$8.00} charge to continue keeping this 10 year old debt matter active on my credit.
Product: Credit card

XX/XX/XXXX I received notification of a possible fraudulent transaction. I immediately called citi and spoke with their representative that it was indeed fraud. They issued me a new credit card number and I assumed it was taken care. Citi sent me photos of a fake ID used that was not my picture and a fake credit card. It was not a " double cash '' card like they know my card is. In spite of this, they have concluded that I'm held liable for this transaction today, XX/XX/XXXX. They already drafted the $ XXXX.
Product: Credit reporting

Experian is reporting falsely on my account and I asked them to verify the accounts since they are not mine. They lied in their response to me that they contacted the courts and verified by sending someone to the courthouse. They asked me to contact the court. I did contact the court by phone and mail. I was advised they did not furnish the information to the bureaus and also sent me a letter indicating they did not verify as such. Experian flat out lied and violated FCRA rules. Additionally, I have asked for the procedures and their source for having this info on my report as I believe they are using third party information that is inaccurate to report. This hearsay is causing me harm and I will have no choice but to sue after repeated attempts to get them to delete the records. Experian is the only one to disregard these notices.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and there are several items, that aren't correct. I have a inquiry from XXXX XXXX, dated XX/XX/XXXX. This is not my inquiry, I did not apply for any account with XXXX, nor did I authorize them to pull, my credit. 

Toyota Motor credit, has a 30 day late payment, showing on my credit file, for XX/XX/XXXX. I set up a automatic payment draft, but I was doing some other credit  payments, over the phone and I decided to call Toyota Motor Credit on my XXXX payment and I submitted a phone payment. I realized that I still had a auto draft payment, coming out of my account and this would cause a issue, with some addition payments, that were due, later in the month. So I called Toyota Motor Credit two days later and cancel the auto payment, for the second payment, and the customer service rep. Assured me the payment was canceled and would not be processed. I am not sure if their computer system or the rep did the cancellation. But, both the payment, I made, over the phone and the auto payment, was cancelled, in error and Toyota, placed a 30 day late on my credit file. I have spoken with them, several times and they show, both payments being made, in their system. But, refuse to remove the 30 day late, because I authorized, the cancellation of one payment and they cancelled both payments, on their end of the transaction. 

XXXX issued by XXXX XXXX. I have a XXXX balance and haven't used the card in sometime.My last payment, showing on the credit file is XX/XX/XXXX ( this XXXX out the account, as there wasn't any other charges, made to the account ) .I made the payment, on the XX/XX/XXXX. But, my credit report shows a late payment for the month of XX/XX/XXXX? If I made the last payment on XX/XX/XXXX and it XXXX  out the balance. How can I be late on the payment, for the month of XX/XX/XXXX. This is a error and I would like it removed off of my credit file.
Product: Mortgage

Aimloan.com sent me an email stating what my rate would be with points. I was already locked in to a certain day. They sent 3 options I had requested via email based on the day I locked. Then when I choose an options that was less points with a higher rate they emailed back stating they had priced incorrectly and that I needed to pay more points. Misleading and trying to unnecessarily charge me more because I picked a higher rate.
Product: Credit reporting

Hi So equifax had XXXX inquiries under my name, which I did n't recognize. I contacted them for disputing the inquiries, they asked me to contact those lenders directly to ask them to remove because Equifax could n't do anything. 

I called these lenders, one of them was XXXX XXXX XXXX, asked them to check if there was any credit inquiries under my social number or my name, turned out there was none. 
I called Equifax and they said there was nothing they could do because they ca n't remove inquiries, which I find very unsatisfied answers. There were not only XXXX but XXXX unrecognized inquiries, and certainly XXXX on the other hand does n't mess up like Equifax.
Product: Checking or savings account

I got an email on XX/XX/XXXX that my Bank of America checking account would spontaneously convert to a different type of account with a monthly fee for a balance below a certain amount. 

" On XXXX XXXX, 2018, your eBanking checking account will change to Bank of America Core Checking ''. 

" We 're updating our checking products and, as a result, your eBanking checking account will change to a Bank of America Core Checking account. Core Checking offers unlimited access to our ATMs, Mobile and Online Banking, plus access to our financial center tellers. 

What 's staying the same : Account information, including your account number, checks and debit card, all remain the same. 
Account features, such as direct deposit, Mobile and Online Banking, Bill Pay, as well as accounts linked for overdraft protection, will also remain the same. 

What 's changing : Financial center transactions Beginning XXXX XXXX, 2018, you will no longer pay a monthly maintenance fee because you use a teller to make deposits and withdrawals. With your Core Checking account, you will be able to make unlimited deposits and withdrawals with a teller at a financial center. 
Monthly maintenance fee A $ XXXX monthly maintenance fee will apply to your Core Checking account beginning with your statement cycle that starts on or after XXXX XXXX, 2018. However, you can avoid this fee when you meet any ONE of the requirements shown below during each monthly statement cycle. Otherwise, the $ XXXX monthly fee will be deducted from your account. ''
Product: Debt collection

This violates 15 U.S code 1692 If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer
Product: Credit card

XX/XX/XXXX I received a statement from XXXX XXXX chargea amounting to {$430.00}. I was surprised because I didnt make any purchases, I didnt allow anyone to use the card. I called homedepot and dispute the charges. They responded that they will investigate. XX/XX/XXXX, decision says there is no unauthorized use and iam still responsible for the charges.How did they get that decision? I told them first hand that I didnt make any purchases or charges.? Credit scores went down XXXX plus points with this and statement arrived yesterday plus interest. Im very stressed
Product: Money transfer, virtual currency, or money service

I am an Alliant Credit Union customer and XXXX looking for clarity on a matter that Ive tried to resolve with Alliant Credit Union and XXXX Bank without any success. On XX/XX/XXXX an ACH wire transaction was initiated to have money sent to XXXX Bank from Alliant Credit Union. This transaction was initiated from XXXX Bank online banking account. After a test confirmation that was successful, the money was dispersed from my Alliant Credit union account on XX/XX/XXXX but never got to citizens account. About XXXX weeks without seeing the funds in XXXX, Ive called XXXX numerous times without any results. I was told I would have to go to Alliant for them to file a claim to retrieve the funds. For more than a month now I have been in communication with both banks with no solution to where the money is. Citizens claim is that the money never arrived and since they are not the sending financial institutethey are unable to reverse the transaction. I have filed multiple dispute with Alliant Credit union to retrieve the moneytheir response is we have released the money and there is no way of retrieving the money. I have physically been to citizen branch who helped to communicate to Alliant that in fact they are able to clearly see that the funds was an XXXX wired transaction that left Alliant account but looking at the citizens account the funds never arrived in their system. 

I am a new business owner. That money was to be used to buy the things that I needed for the business. There are expenses pending and charges that are due, however I am unable to get the products to get my business going. Clients that I am unable to attend to due to this hold up. The business is greatly impacted by this. I am puzzled to how can a bank misplaced {$3900.00} and unable to retrieve it? How Alliant Credit Union can misplace the fund and unable to retrieve it? 

I am at lost on where to turn to next. No one seems willing to get this resolved. I would like to think that Alliant is a trusted finance company that I can entrust my funds in ; however the recent transactions are causing a distrust in the mishandling and inability for them to correct this grave error. Is there any guidance to how I can quickly resolve this issue with Alliant Credit Union? Is there a regulatory board that I can go through to see the mishandling of my funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX Date opened XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX   was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX is wrongfully appearing on my transunion credit file.The collector is attempting to collect a debt for XXXX , XXXX, THE ORIGINAL CREDITOR. 
HOWEVER 1-I NEVER ORDERED A XXXX CARD 2-I NEVER ORDERED ANY XXXX MERCHANDISE 3-ALL OF THE MONEY XXXX XXXX WANTS is for return, restocking fees, the interest associated with that and any fees the collector added. 
4-SO THE ORIGINAL CREDITOR AND THEIR COLLECTOR ARE SCAMMING AND EXTORTING USING CREDIT REPORTING TO DO THAT.
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against collection agencies, XXXX XXXX XXXX XXXX XXXX as well as, Crown Asset Management , LLC. 

Neither of these two collection agencies had contacted me first, to verify the debt that they have placed onto my credit files, slandering my credit. 

XXXX XXXX XXXX XXXX XXXX claims that they received a debt to collect on from Crown Asset Management , LLC, Crown Asset Management was supposed to have acquired this debt from XXXX XXXX XXXX XXXX XXXX. 

These collectors are placing false fraudulent status information onto my credit files, making it seem as though I had some debt that they are collecting on from the year XXXX, and that information is not true. 

As stated, neither of these collection agencies had previously contacted me to verify the debt that they are trying to charge me for. 

I dont owe what Im being charged, and I want this false derogatory information removed from my credit files, as well as from the collection agencies files. 
And I would like hard copy proof on their letterheads that, that has been done. 

On XX/XX/XXXX, I requested that both XXXX XXXX XXXX XXXX XXXX, as well as Crown Asset Management , LLC, cease and desist from ever contacting me again about these false charges. 

I have health issues, and have not been doing my best, and I feel that I am being tormented, and harassed, especially by XXXX XXXX XXXX XXXX XXXX, I have asked that they cease and desist from contacting me. 
I asked that they remove the false information from my credit files, and I wanted hard copy proof when that had been done. 

In the mail today, Tuesday, XX/XX/XXXX, I received the attached cover page, along with a pile of doctored up statements from XXXX XXXX XXXX XXXX XXXX, with them lying, and claiming that I had requested that they send me verification of the false debt, that they originally didnt notify me about, prior to slandering my credit files. 

I never asked that they send me any such verification, I disputed the debt, and again, I am requesting that both, Crown Asset Management, and XXXX XXXX XXXX XXXX XXXX remove the false information from my credit files, and I want them to stop writing, and calling me as well. 

As previously requested, I want them to cease and desist from ever contacting me again. 
Crown Asset Management LLC, and XXXX XXXX XXXX XXXX, any communication, written or otherwise, they can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me, no exceptions. 
I want the Consumer Financial Protection Bureau fully involved in my complaint.
Product: Credit reporting or other personal consumer reports

The following account kik off is showing that it has been removed and it isn't I am asking that you kindly remove XXXX  XXXX and XXXX  XXXX for these accounts are fraudulent and doesn't belongs to me. I never authorized any lender or suspect to open the account. Their are addresses that are showing on my report that I never lived at before please remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : 1- Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2- Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3- Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX 4- Inaccurate employment : XXXX, XXXX XXXX XXXX 5- Incorrect name : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : OFFICE OF THE ATTY GEN XXXX Date opened : XXXX XXXX XXXX  Balance : {$15000.00} ATTORNEY GENERAL-CHI XXXX Balance : {$16000.00} OAG CHILD SUPPORT ENFORE Opened XXXX XXXX XXXX  Balance : {$15000.00}
Product: Student loan

MOHELA refuses to count my payments towards PSLF in XXXX. They have my loans listed at being in deferment at that time. THIS IS THEIR ERROR. I was not in school and had not been in school since XXXX. I worked and provided my PSLF form numerous times. I have asked for this to be corrected with them refusing or telling me to prove I wasn't in school. How can I prove I wasn't in school other than by providing my graduation of XX/XX/XXXX. Not counting these months or processing my most recent uploads recommended by Studeentaid.gov is keeping me from qualifying. I am losing this benefit because they will not fit their clerical error
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.