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

1- My name, current address, current employer, are inaccurate and inconsistent on my credit report.

2- XXXX XXXX XXXX account is showing inaccurate information ( late payment, Balance, date open. More importantly, that company and the credit bureaus failed to obtain my consent to share my information.

3- As shown on the document attached, only one phone number belongs to me, 4- The XXXX XXXX XXXX added a collection to my credit report without any prior communication with me, failed to validate the debt and to provide any documentation substantiating the same.

5- The Bankruptcy on my account is not mine. It shows different account number and date for each bureaus. Both Bureaus failed to provide me with the source of their information and to verify the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XX/XX/XXXX I am writing to formally dispute the inclusion of bankruptcy information on my credit profile maintained by XXXX. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports. According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452. 

The specific details of the bankruptcy in question are as follows : Case Number : XXXX Filing Date : XX/XX/XXXX Type of Bankruptcy : XXXX XXXX  Court Jurisdiction : US BKPT CT GA XXXX Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with XXXX. The presence of this information is a violation of federal law, and I expect that XXXX will promptly address and correct this matter. 

Please confirm in writing that you have received this dispute and provide me with the results of your investigation and any actions taken to correct the inaccurate information on my credit report within 15 days of receiving this message.
Product: Credit reporting or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$960.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} Status Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00}
Product: Credit card

XX/XX/ tried to pay off my entire balance and it said an error occurred. This is the second card this day that it happened.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be updated to status of : Paid, Closed/ Never Late as it should be as I was NEVER Late. Thanks,
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and  certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in  accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal  responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit card

XXXX  : we initiated a dispute last fall about a purchase made on a comentity bank credit card where we never received the merchandise. We have provided supported documentation and spoken with several representatives who were not able to do anything. We were told to rely on the secure message portal for all communication. Well, they ignored all of the provided documentation and now tell me it is beyond the timeline to submit a disupute. 

XXXX  : as a result of initiating a dispute, they apparently turnd off my auto pay of full statement balance and have charged me interestt on the balance that would have otherwise been paid. I was told that they will not waive the charge. ( our payments were always made in full and we have never been late ) In summary, they ignored all documentaation regarding the fraud claim only to now tell me " it's too late to file a claim '' AND in the process, cancelled auto pay without telling me and charged me interest on a balance that should have been paid. 

This feels like deceptive practices to me and I would appreciate you investigting this. 

Thanks!
Product: Credit card

I used a credit card with city bank and paid the full balance on line. I had called customer service to make sure not late charge will applied because I was not sure on the due date. After paying online they assure me that late charge will be taking care. City bank keep the late fee and kept charging me late fee after late fee. After noticed an email from the credit card I noticed a balance due. I called them and the customer service representative was very rude and I was treated horrible. I ended up canceling the credit card but the way I was treated was not right.
Product: Debt collection

To Whom it May Concern : Enclosed with this letter you will find from Collection Bureau of America : Initial collection letter Validation letter Response They provided this from when I disputed with the Consumer Financial Protection Bureau ( CFPB ) case # XXXX on XX/XX/XXXX. 

I am still disputing this as my debt. 

However, it has now been over 5 years from when this debt was owed which was originally from XX/XX/XXXX as I live in the State of Florida and its now past its statue of limitations.

In fact, in the letter from Collection Bureau of America they clearly state at the top : ( 3 ) When collecting on a time-barred debt where the debt is past the date for obsolescence provided for in Section 605 ( a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ) : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency.

Per the law as I understand it, and as they have in fact stated themselves. This is past the 5 years in which they can collect, are not able to sue, and they will not report to any credit reporting agencies. 

Please have this debt completely removed from all of my credit reporting agencies as soon as possible. 

Please see attachments to this complaint which are : - drivers license - social security card - proof of mailing address - my letter about the claim - XXXX 's validation letter - XXXX 's response letter - XXXX 's initial debt letter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A bank listed us taking out a mortgage instead we took a Home equity loan. The bank listed with three different account on our credit files, one of wich was home owner mortgqge. Sumitted information concerning the error to Equifax, It was overlooked, also in XXXX EQUIFAX listed another Home Owner 's mortgage infomation in our credit files. On XX/XX/XXXX sent a letter about these problems they continued to ignore after I ask to remove this error. We were listed with Three accounts, Convenital, Re-finance, Home Owner Mortgage Loans. In XXXX, we purchased a Home Equity Loan, and we have singed only one mortgage loan in our lifetime which was FHA loan paid and close before applying for Home Equity Loan. No psitive Results. 

We have been deined credit reports since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Personify Financial is reporting to credit reporting agencies an account that I did not initiate as I have never made any business transaction ( s ) with this company. Attached is my Identity Theft report validating my position & I offer an Affadavit of Fact in rebuttal to be signed by Personify Financial that rebuts my position. 
While the burden of proof lies with Personify Financial, I am willing to pay any amount owed plus 75 % interest upon Personify Financial presenting a verified ( sworn under oath ) statement attesting to the validity of a debt owed.
Product: Credit card or prepaid card

I received an email today, XX/XX/2020, after XXXX XXXX, read Bank of America decided to close my credit card account with them on XX/XX/2020. I don't owe any money on my Bank of America Credit Card. So, I telephoned Bank of America and was transferred about five ( 5 ) times to different persons. The last individual ( female ) told me a collection agency sent to them about me. The lady sayed she was going to get her supervisor or manager on the telephone whom never spoke. I let this lady know that both President Obama and President Trump made Veterans Choice Program for us veterans to go to doctor. I further stated that I provided pre-authorization letter to doctor a few years ago that is supposed to pay for doctor bill by the Federal government. I stated that Bank of America should let me respond to any negative information provided to them about me before taking any negative action against me or closing my credit card account with them. I told the lady about how I have been discriminated against in similar fashion during my lifetime, now being a senior citizen. Lady placed me on hold again and did not come back to telephone. I told lady I am going to file a complaint if she doesn't open my credit card account back up.
Product: Checking or savings account

I wanted to proactively reach out and report one transaction as fraud My team and I reviewing transactions and notified a transaction from XX/XX/XXXX or XX/XX/XXXX The transaction was from XXXX for {$1200.00} I filed a police report for this transaction and just wanted to ensure it gets the right resolution and credit applied Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these purported creditors have violated my right. Under 15 USC 1681, section 602 my right to privacy is insured.

Also under 15 USC 1681, section 604 A, subsection 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

I demand all unauthorized recordings on my credit record to be removed immediately. I did not give written consent or instructions to do include these recordings.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft in regards to various XXXX accounts with inaccurate information for the account XXXX, and there is also inaccurate personal information ( see attached identitty theft report ).
Product: Credit reporting or other personal consumer reports

Please review the attached docs. 

Please remove the fraudulent and suspicious hard inquiries from my credit report, as outlined in the attached documents.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared. " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the Security and confidentiality of those customers ' nonpublic personal information. The furnisher of information to credit agencies is a financial institution by definition under title 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher if information to credit agencies ) the financial institution and the consumer reporting agency/agents of TransUnion, XXXXXXXX XXXX  XXXX do not have my consent to furnish this information and surely do not have my written consent, whether is verbal, non-verbal, implied, or otherwise revoked. 

Any/all agents of TransUnion, XXXX XXXX XXXX  have been assuming the roles of holding my information without my permission while reporting inaccurate information and making money off my information. They have refused time and time again to investigate disputed information and failed to delete or correct incorrect information which violates federal law. After filing disputes with any/all agents of TransUnion, XXXXXXXX XXXX XXXXXXXX XXXX they have made their own decision, on purpose, to drop my credit score either by the XXXX XXXX XXXX XXXX without notifying me, verifying, and completing a full investigation for inaccuracy. 

I have attempted to resolve this matter with any/all agents of TransUnion, XXXX XXXX XXXX XXXX XXXX They all have refused and continued to violate the following ; 15 U.S. Code 45 Privacy Act of 1974, Education Privacy Act of 1974 Fair Credit Reporting Act, 15 USC 1681, section 602 621 of the FCRA, 15 U.S.C. 1681s, 12 CFR 1022- Fair Credit Reporting Act 12 CFR 1016.4 16 CFR 433.2 15 USC 16802 ( b ) ( c ) 15 U.S. Code 1681e to avoid violations of section 1681c-15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S.C. 1681a ( f ).

15 USC 1681s-2 ( A ) ( 1 ) ( A ) 15 U.S. Code 1692e
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received notification through my XXXX  XXXX text notification that, my account is now negative balance. I immediately checked and found out that there has been 4 different transaction through WESTERN UNION MONEY TRANSFER. I immediately tried to check my western Union mobile app but I was locked out. After contacting western Union customer service I was able to access my account and found out that those money was sent to ( receiver name ) one of my family member. And they couldn't do anything since the transaction is already processed. They suggested me to talk to the receiver and settle the issue. 10 days later after numerous calls since the receiver didn't receive the money. Finally today it was found that I was hacked on western Union platform and the account number of one of my frequent receiver 's was changed and money was sent to a different account with my existing receiver name and address. I was hacked on their platform and for Western Union release the money without verifying account information and receiver information. When I called their fraud department the only response was " we've started an investigation, we'll get back to you in 30-60days '' they provided me a case number XXXX and said they were sorry about the experience. And I lost my {$2700.00}.
Product: Credit reporting

On XX/XX/XXXX all off my inquiries were deleted from. I logged in today and they have been added back on. This has had a major effect on my credit score and it has caused it to go down tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the Capital One web site to apply for XXXX XXXX XXXX. By the time I finished the application, I realized it was for a credit card not XXXX XXXX. I already have a Capital One Venture Card and dont need another. Every time you apply for another credit card, it damages your credit score. This is a highly deceptive practice by Capital One. Please remove this inquiry from my credit report.
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 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 ( 2 ) personal credit card accounts opened at XXXX XXXX XXXX XXXX on around XXXX XXXX, XXXX bal. {$1600.00}, XXXX XXXX XXXX XXXX opened on/around XX/XX/XXXX XXXX {$10000.00}, Mortgage Account opened at XXXX on around XX/XX/XXXX XXXX {$260000.00}, XXXX  ( XXXX ) opened on around XXXX, XXXX XXXX XXXX. {$8600.00}. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity after XX/XX/XXXX. However, once transferred to XXXX in XX/XX/XXXX, they started their account history in XX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
OnXX/XX/XXXX XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXXwas invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
On XX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding XXXX delete this credit line if XXXX ca n't prove they are legally required to report it.
Product: Debt collection

Rent Debt is stating I ( and my husband ) owe XXXX for vacating the XXXX at XXXX XXXX XXXX. 

The leasing manager at that time, XXXX told us in XXXX of 2019 that if we moved out and gave 60 days notice we would be okay and they would take care of us as far as any fees are concerned because she would have no problem leasing our prime location, 1st floor apartment. The alternative was hoping to get us a 3 bedroom in the community as I was pregnant and there was no room in a 2 bedroom apartment for what would have been 5 people. I did not get this in writing as she had been  the manager our entire time there. We did give 60 days notice. 

2 weeks before move out XXXX was transferred to who knows where and the new manager had no knowledge but would reach out to her and take care of us. Clearly she did not. 

Upon move out I was not told of any fees from the complex. Rent Debt is trying to collect. They are rude, and unhelpful. I also have a charge for a pet fee. I have a service animal. Im a United States XXXX XXXX XXXX with a service animal - a well trained one - what clean up fee does a house trained dog require? They charged me to clean the carpet, I can understand that. After 2 small boys lived there I would want them cleaned too but what is the pet cleaning? Its outrageous and a scam at best. 

My apartment was leased IMMEDIATELY after we moved out. I know because I went back because I left a doormat out on the patio and thought I could grab it but someone was already moving in 1 week later. So why the fee?? 

I called rent debt to ask what they needed from me to paperwork wise to get this resolved. The rep said whatever you want to send. Im like okay so do you want my dogs papers? Do you want my 60 day notice? Do you want my XXXX paperwork showing why we were leaving? He said whatever you want to send. WHAT??? What kind of person works in customer SERVICE and forgets theyre there to provide SERVICE like??? Honestly disgusting and disappointing.
Product: Debt collection

I mailed a validation letter in XXXX 2015 and have not received information regarding the debt. They continue to report to the credit bureaus. In addition, XXXX the accounts they claim I owe are the same amount.
Product: Credit reporting or other personal consumer reports

I looked over my consumer report and I noticed accounts that shouldn't be reporting. I called the credit reporting agencies and let them know the accounts included in the documents attached are not to be visible. I have never given written consent to report at anytime.