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

In accordance with the fair credit reporting XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit card or prepaid card

There was 3 unauthorized transactions made to my card on XX/XX/XXXX. I filed a dispute on this day. I received paperwork on Tuesday the XX/XX/XXXX and send it back the same day. I have called everyday to see If XXXX XXXX received my paperwork and I was told that they didnt receive it yet. It has been a week since I send the paperwork and now they telling me that I have to wait 45 to 90 days. One representative told me that If my paperwork was received by Monday the XX/XX/XXXX that they would release my money back onto my card. Which was {$410.00}. I am being put out of my house cause of this. Those companies that allowed the unauthorized transactions was XXXX and XXXX in California.
Product: Credit card or prepaid card

on XX/XX/XXXX my Bank of America Cash rewards supervisor XXXX has told me that my account was closed for no reason. I have had this credit card since XX/XX/XXXX with no issues. please see attached photos for proof. I was NEVER late, this is a violation of my rights and federal law of 15 U.S.C Ch. 41 TILA Act. I have a credit limit of {$8000.00} and I was never late with payments. I am also an honorable military combat veteran who served his country. They have mentioned upon reviewing my credit report we have decided to closed down the account. I never gave them permissible purpose un 15 usc 1681b that is a violation of the law to pull my report ( EVEN IF ITS SOFT PULL ) i always paid off the credit card, and i was looking to pay it off in full this month. I will be filing a BBB complaint as well as bringing this to the attorney general, public press release and social media! Being that they closed that account this affect my score and put me in a bad position credit wise which i can sue and put them in litigation for! this is an adverse action against my well being. i am the original creditor ( by federal law ) I extend the right to give you guys my credit and it actually against eh law for banks to extend credit! they fraudulently check my credit report and deemed me as a credit risk. the violation they broke was the FCRA 1681 usc ss 604 states. they did not give any warning what so ever. regardless i have great credit nd they broke the law. I will also be seeking litigation.
Product: Credit reporting or other personal consumer reports

There's a different last name on my credit report XXXX XXXX ( my correct name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX/ELOANBPPR for reporting incorrect CHARGED OFF ACCOUNT status to XXXX and XXXX, XXXX of which have adversely impacted my bankruptcy-recovering credit scores and forced me to dispute their erroneous reporting. My bankruptcy attorney ( name and contact info available upon request ) disputed the incorrect charge to XXXX by Certified letter mailed in XX/XX/XXXX. As a result of that dispute, within 30 days, XXXX ruled favorably and deleted the incorrect charge from my credit report ( see documentation ). On XX/XX/XXXX, after being alerted by XXXX that my credit score had decreased by XXXX points, I perused my credit report and discovered that XXXX/ELOANBPPR had reported the same incorrect CHARGED OFF ACCOUNT status to XXXX, XXXX an unpaid loan balance of {$9600.00} ( see documentation ). BACKGROUND INFO : On XXXX, I applied for an unsecured individual loan with ELOAN. The approved loan amount was {$6300.00}. In XX/XX/XXXX, I was targeted and victimized by a clever internet scam-theft scheme that crippled me financially. As a result, I was forced to file for bankruptcy. I retained a bankruptcy law firm which filed a XXXX  XXXX in XX/XX/XXXX. All of my outstanding creditor/debts, which included XXXX, were included in that bankruptcy, which was XXXX on XX/XX/XXXX. Since XXXX/ELOANBPPR has reported incorrect CHARGED OFF ACCOUNT status to XXXX and XXXX which has adversely affected my recovering credit scores and forced me to dispute their false reporting, I have every reason to believe that they will eventually report the same incorrect status to XXXX, although currently XXXX is correctly showing that the ELOANBPPR account was bankruptcy discharged ( see documentation ). I have tried to contact ELOAN by calling XXXX, but I am unable to connect to a live person because my contact information has changed since XXXX. I am filing this complaint because I want this unfair credit bureau reporting and harassment to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Carrington mortgage reported late payments and I need them removed mortgage was paid not the house is sold and the XXXX payments are still there the loan was sold never recieved a welcome letter was still sending to old company never notified til I received late payments on credit
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Phone number : XXXX Email : XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 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. Items listed above, 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX 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 ( AN ( XXXX ) 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - Account Name : FAIR COLLECTIONS AND OUT Account Type : Closed, Account Type : Secured credit card, Date Opened : XXXX XXXX, XXXX, Balance : {$4100.00} Fraudulent Inquiries listed below : - XXXX XXXX XXXX : XXXX XXXX, XXXX - 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 FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXXXX/XX/XXXX
Product: Debt collection

First National Collection Bureau , Inc. and XXXX XXXX XXXX, XXXX claim {$440.00} ( Ref # XXXX, XXXX  XXXX # XXXX ) not mine as XXXXXXXX XXXX XXXXXXXX XXXX Beneficiary . I requested validation from XXXXthey refused, admitting debt may not be owed and sold it. I sent XXXX a Cease & Desist XX/XX/XXXX, XXXXthey ignored it, emailing XXXX XXXX, XXXX, violating 15 U.S.C. 1692c ( c ) ( $ XXXX ), XXXX692d, 1692e, 1692f. No noteFRNs ( 18 U.S.C. 8 ) I redeem ( 12 U.S.C. 411 ) shift to Treasury ( 50 U.S.C. 4305 ( b ) ( 2 ) ), acquitting me ( 31 U.S.C. 5118 ). Banks lent credit, not money ( XXXX, XXXX XXXX XXXX ). As a XXXX, XXXX ( XXXX ) bans unverified collectionthey wont stop. Cease & Desist, delete, pay damages.
Product: Debt collection

Scott & Associates sent me a letter dated XX/XX/2021 stating they were a debt collector for XXXX. I sent them a cease and desist letter XX/XX/2021 certified mail XXXX XXXX XXXX XXXX XXXX which was delivered to them on XX/XX/2021. I received an inappropriate response from them dated XX/XX/2021 stating that they were verifying this account at my request. On XX/XX/2021 I received a Debt Citation that they filed on XX/XX/2021 in the JP Court of XXXX XXXX TX. They are in violation of the Fair Debt Collection Practices Act 805 ( ceasing communication ). They never advised me that they would cease collections, that that might take remedies or that they were taking remedies. I am sending them a letter advising that if they don't dismiss the suit, I will counter sue them for their violation of the Fair Debt Collection Practices Act.
Product: Debt collection

on XXXX/XXXX/XXXX after checking my credit report I noticed a derogatory remark on my credit report from a collection agency called XXXX XXXX who bought a debt from " XXXX ''. After contacting this company via mail and phone to validate this debt which is not mine the companies account was removed from my credit report. This is was not the first time I 've had to request validation from XXXX or their creditors. I once had 3 different accounts at different addresses on my credit report showing seriously delinquent all which were removed due to them not being mine. Today XXXX/XXXX/XXXX I wake up and there is a new account on my report from " XXXX XXXX XXXX XXXX '' original creditors " XXXX '' for {$770.00}. I called XXXX and was told they do not handle these disputes and it seems to be fraud. I was advised to call the Credit bureau. I then called XXXX and was advised that " its a wash and rinse process and only thing they can do is keep disputing the accounts if collection agencies continue to sell, and also to contact the CFPB, FTC, and State attorney general office. so here we are!!
Product: Debt collection

i have recently returned from a XXXX XXXX and discover this collection on my profile. I have not done any business to warrant that collection. I have not being in the Country for the last five years.
Product: Credit reporting or other personal consumer reports

USAA continues to report inaccurate information on an old tradeline. The data furnished across CRAs doesnt match and is inaccurate. The account also reports as late each month although it has long been charged off as bad debt.
Product: Checking or savings account

Our Savings account with Citibank was compromised on XX/XX/XXXX, so they froze all of our accounts ( Checking and Savings ) and began an investigation. We were told to open new accounts which we did immediately. We received new debit cards, etc. On XX/XX/XXXX, our accounts were closed with no warning. I received an email on XX/XX/XXXX stating " Based on a recent review of your Citibank XXXX XXXX ) Savings Plus Account account, we found that you have violated the terms of your account per the client manual. As a result, your Citibank ( XXXX ) XXXX XXXX Account account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Additionally, in the email it stated " If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. '' We visited the Citibank branch in XXXX, VA on XX/XX/XXXX to see if they could help us and they did nothing. We were told we would receive all of the funds in our accounts in 30-60 days. They froze access to all of our money, meaning we can not withdraw or use it. How do they expect people to live in this situation? We have no access to our own cash. They closed our accounts but we can't have our money immediately? Make it make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I opened a low limit credit card account with XXXX XXXX XXXX  in either XXXX or XXXX but paid it off ( beginning of XXXX ) after losing my job in XX/XX/XXXX. Despite having paid off the balance owed and closing the account, XXXX XXXX XXXX charged off my account and sold it to a collection agency ( Midland Credit Management ). While I am not certain as to when this transaction happened, you can XXXX my surprise when I received notice from the XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX  ) early in XXXX that Midland Credit Management ( MCM ) had retained XXXX XXXX XXXX, XXXX  ( a Legal Collections Provider/Attorney out of XXXX, Alabama ) XXXX sue me for {$730.00}. On XX/XX/XXXX, the case went before XXXX XXXX XXXX XXXX XXXX ; after hearing testimony and reviewing the evidence submitted, the XXXX entered a judgement for the Defendant ' ( myself ). 

It has been over XXXX years since this has happened yet Midland Credit Management ( MCM ) continues to report this on my credit as a negative account still in collections with their agency. I have repeatedly called both MCM as well as XXXX XXXX XXXX, PC demanding they remove the derogatory marks off of my credit report ; each one states the other is responsible so I get absolutely nowhere. 

PLEASE PLEASE help me!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/22 I went to the atm at XXXX bank on XXXX XXXX XXXX XXXX. I made a transaction to withdraw XXXX XXXX dollars from a Wisely prepaid debit card account. The ATM machine asked if I wanted a receipt, I declined and it began to make the " noise '' of the transaction and showed on the screen " the robots are working hard to get your money '' then a clunking sound and the screen showed " printing your receipt ''. The receipt showed " incomplete transaction '' and no money was given to me. I assumed the machine did not have enough money or something and drove away. Later I noticed the money had been debited from my Wisely account. I contacted the bank and they said even though they knew the machine had gone down at precisely the time of my transaction,XXXX XXXX, and acknowledged that they had over an amount of XXXX XXXX dollars, I would need to dispute with Wisely and once they had connected with them they would be able to correct the error with me. I contacted Wisely to place a dispute on XX/XX/22, they then mailed me a dispute form to fill out, which I have completed, then emailed as well as mailed it in. 
Nothing has been done despite my multiple calls to Wisely and XXXX. XXXX told me that by law they only had ten days in which to return the money to my account. I called Wisely on XX/XX/22 and they said they would escalate the process for me and to call back in one to two business days. I called back and the person I spoke with this time said there was no such thing as escalating the process and said they had until XX/XX/XXXX and nothing had been done at this time. XXXX promised they would try their best to do something about getting my money returned as soon as possible because I am their customer. They said they would call me back to let me know, however, I have heard nothing. Ultimately though no fault of my own, because their machine broke, I am out XXXX XXXX dollars! How is this right in any way?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted numerous disputes with XXXX, XXXX, and Equifax with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance XXXX ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, XXXX, XXXX, Equifax, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Product: Credit reporting or other personal consumer reports

I continue to see unauthorized access to my credit profile. After checking today, there are two more inquiries I did not authorize and would like to have removed. 

XXXX XXXX XXXX XXXX XXXX  is not my account - Account XXXX I am XXXX XXXX  with XXXX XXXXXXXX XXXX. Please remove XXXX XXXX from my report. 

I have lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX for the last 20 years. I do not and have never lived at XXXX XXXX XXXX, XXXX MI or lived in Michigan. Please remove from my credit report. There is also an address at XXXX XXXX XXXX XXXX, XXXX which I have never been associated with that needs to be removed. 

Correct the spelling of my name. My name I use for everyday personal and business purposes is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seventh Avenue showing up as a hard inquiry on my XXXX  credit report. I was previously advised by XXXX that it would be removed whena prvious complaint was filed in XX/XX/2022 and it was not removed. This is my second compliant. Orginally suspected this was inquiry ( along with others ) were a result of a data breach from another credit bureau.
Product: Credit reporting or other personal consumer reports

Equifax has failed to send me proof/verification of the accounts that they are reporting to the credit agencies on my behalf. I have attempted to gain this info from Equifax and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX XXXX FOR THE AMOUNT OF {$470.00} 2. XXXX FOR THE AMOUNT OF {$520.00}
Product: Debt collection

I have called Absolute Recovery Agency for a collection they say I owe from XXXX XXXX I've told them I have no money to pay a debt I don't owe it's not right to do this when I paid them before I left the property They didn't won't to listen they just trying to take free money not owe to XXXX or them The woman who worked at XXXX aXXXX has since left I even talk to the new manager and she said that XXXX has all new people and she don't even know that woman XXXX XXXX This same woman was fired for steal from XXXX XXXX She was messing up alot of tenants credit reports She is a very evil person to hurt my credit this way before she got fired for taking from XXXX She beed to be prosecuted for fraudulent activity I have proof I paid my rent every month on time I even gave her 30 days notice when I moved that she signed I still have all my proof til this day When I left out her office that same day I moved she said everything was fine I left in XXXX I just found out on my credit report this was filed on me a whole year later in XXXX I'm so depressed she is messing up my credit and the collection agency trying to get money out of me to when I told them I have all my proof I owe XXXX nothing I gave her 30 days notice in XX/XX/XXXX Told her I couldn't move until XX/XX/XXXX she said fine just pay XXXX rent just be out XX/XX/XXXX that what I did Please relief this pressure from my life and removed this Agency from my credit Please I need immediately help Thank you