23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My bank account was used strictly for emergency money it had XXXXXXXX XXXX in it and then someone got my credit card information and kept using XXXX XXXX  to withdrawal money. When the bank put temporary credit in there the person kept taking it. So now I owe XXXXXXXX XXXX and late fees. I have 20 days to pay it to the bank. This issue started in XXXX and the bank is claiming it to be my fault.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX TRANSUNION ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX EMPLOYERS : 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! 

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Credit reporting or other personal consumer reports

Data breach of XXXX XXXX and TransUnion my personal data was accessed in breach.
Product: Credit card or prepaid card

We took out the credit card to get Zero percent interest on our purchase of {$990.00} provided the balance was paid within 12 months ( XX/XX/XXXX ) Electronic Autopay for {$83.00} to be applied the XXXX of each month ( Payment due date is the XXXX ), was established at our Bank and according to our records, which the bank confirmed all payments were made as scheduled and funds received on or before the XXXX of each month. 

We received 5 late fees : Payment date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$25.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} Payment Date XX/XX/XXXX, Applied ( per Credit Company ) XX/XX/XXXX, Late Fee {$28.00} We were informed that {$220.00} in interest was added to the account on XX/XX/XXXX because the balance had not been paid off, we were unaware that there were late fees. We have a balance of {$300.00} and have made payments that total {$1100.00} despite consistently making timely payments within the specified time. The late fees seem erroneous and the credit company states that it is not their policy to adjust accounts based on due dates.
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 Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

TORRID closed my XXXX limit credit card without any advance notice which not only severely damaged my credit rating/score, but caused further financial harm as it inadvertently affected my ability to obtain new credit ; due to lowering my credit scores.
Product: Mortgage

I was behind on mortgage due to my health and knee problem. I could not work and I have submitted to lender the request for mortgage assistance to keep my house. Lender had got the RMA but they did not do anything to me and my agent has been contacting lender but no result. They cancelled the notice of default however they sent me the notice of sale on XXXX/XXXX/2016. My agent has contacted Chase for more information but the representative from the Chase could not answer or get back to her anything. I need them to help to me review the application and provide correct information. They dont even want to give me or my agent update for request for mortgage assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised XXXX of the erroneous reporting of these accounts multiple times and they keep reporting this incorrect information. XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX  have all refused to update the information even after I have provided verification of payments to satisfy these accounts. The problem clearly lies with XXXX  because I don't believe they are contacting any of the agencies and verifying any of the information.I want these accounts removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/19 XXXX {$20000.00}
Product: Credit card

I was hacked and felt that BofA did a poor job responding to the hack, plus they sent money to the thieves. Upon numerous calls to fix that, I requested the card be cancelled. The card was never cancelled. I twice visited a BofA office. 

Regardless, I was issued a new card number but no cards. I got a surprise notice that the annual fee was due. I had a card I verbally cancelled multiple times and yet evidently still had a card with BofA. 

THERE IS NO WAY TO CANCEL WITHOUT CALLING! 

I called. Waited 20 minutes. Got a representative. But oh no. I have to speak to a " XXXX  '' agent. I have/had ZERO intention of staying with BofA but I wasted another 20 minutes ... I was verbally assured the account was cancelled but am waiting for confirmation via USPS mail ... no email or notification through the app...

Finally rid, I assume, of BofA credit card. 

Get rid of the artificial barrier to exit!!!
Product: Debt collection

This company has called many of my family members, whom I do not live with, or have never lived with and told them there was a complaint against me, gave them a number and a reference number. I received a message today from them but did not say anything about a complaint or reference number. When I called the number, I could not make out the name of the company and they said their offices were closed. They said if you do n't want your phone number called, to read it clearly. 

They contacted my XXXX year old father, and my XXXX year old uncle. I am XXXX years old and do not live with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out ( made several attempts ) to reach the team at LexisNexis and XXXX regarding ordering a certified copy of my birth certificate. As requested on their website, I uploaded a picture of my current driver 's license in order to verify my identity. I placed the birth certificate order using the name that matches my driver 's license and the name that matches the credit card I inputted on their site to cover the processing fee. -- Because I knew that there was a name variation on my original birth certificate, I included the name given AT BIRTH on the order form. -- My order was REDFLAGGED due to the name variation, and I have been bombarded with non-stop interrogations by XXXX 's XXXX XXXX regarding the name variation. The name that I currently use has been in use for over 50 years -- from elementary through college. It is consistent with the name shown on my social security card and is consistent with all other governmental agencies. XXXX, a division of LexisNexis should not be used as an extension of any local or state agency 's records processing. Their Customer Service team is abusive and offensive to the public at large.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting that does not belong to me : XXXX   - Date Opened : XX/XX/XXXX ; Bal : XXXX ( TU ) XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( TU & XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempt to let you know that I was a victim of identity theft and that I want to challenge some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block any items in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX XX/XX/2013, XXXXXXXX XXXX XXXX, TNXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2300.00}, XXXX XXXXXXXX XXXXBalance : {$4700.00}, XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I did XXXX  ACH transfers from my bank XXXX  Checking on XX/XX/XXXX, XXXX, and XXXX to FTX.US XXXX. Turns out, the company was a fraud and filed for bankruptcy on XX/XX/XXXX and then FTX.US claims it got hacked but there is wide suspicion it was an inside job. Please, please, can these ACH transfers be reversed? FTX.US has a XXXX day withdrawal lock after ACH deposit so I was never able to get my money out before the exchange was shut down. Can my ACH deposits to FTX.US  be reversed?
Product: Debt collection

I received a bill from Ad Astra a couple of months ago, I called them and told them it was not my bill, I was told it was a XXXX taken online. I filled a police report, sent information to Ad Astra and XXXX XXXX that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a XXXX. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX
Product: Credit card

On XX/XX/XXXX, I was purchasing tickets from XXXX for my family when an advertisement from American Express XXXX XXXX credit card appeared at the bottom detailing a {$400.00} statement credit, which showed cheaper ticket prices if I opened it and used the card to purchase these tickets. I applied for this card and immediately purchased my airlines tickets, which I took screenshots of the offer, the fine print, and my new card number. The fine print stated to allow XXXX weeks for the credit to be applied, which was between XX/XX/XXXX thru XX/XX/XXXX. This credit was never applied. I contacted American Express who stated they would look into this. I later checked back in and was told this was closed out and they needed to resubmit it. This case was closed as well. The third contact they stated they would look into this and escalate and again, nothing was done. Each time I contacted American Express, I sent them the screenshots detailing the statement credit, final ticket price, and details that I saw. They stated a different offer was applied, which did not include the statement credit promised. I would have not opened this credit card, or used an inquiry on my credit, if I would have known this statement credit would not have been applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had bankruptcy on my account however they have been removed. I have disputed with the companies and it was removed from my XXXX report however it has not been removed from transunion or XXXX. also the dates do not match up. I would like this removed from both these companies. thank you
Product: Credit card or prepaid card

I had a promotion with Sears master card that would expired in XX/XX/XXXX. 
My balance was {$500.00}. 2 months before the promotion expired, I made a full balance payment in XX/XX/XXXX. In the same month I started another promotion thinking my balance was paid off. 

Sears instead taking my payment and applying towards my balance, took my my full balance payment and apply towards the promotion i just started, therefore it seemed like a still had a balance from my previous promotion. 

In NXX/XX/XXXX sears applied {$610.00} in interest charges and refuses to solve this problem. 
Sears was deceiving towards the end of my promotion and it is trying to make money praying on misinformed customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXXXXXX
Product: Student loan

I was looking at my consumer report and noticed several student loans listed on my account. I am writing this letter in reference to these loans and would like to settle this matter with your company. 

I would like for Nelnet to send me a statement of the amount owing as of XXXX XXXX, 2022, and I am conditionally agreeing to pay if you can provide me with the original instrument of indebtedness in its original form. I do not want Nelnet to send me a computer-generated letter, or a copy of a promissory note, I only want the original instrument of indebtedness with my wet signature on it. 

In addition, I would like Nelnet to know that only the holder of the note has the right to collect on the original instrument as such. Please provide proof that my account was not sold and used for profit as it pertains to securitization. 

Lastly, I would like to request my written permissible purpose letter that I sent your company that stated I gave your company the right to furnish this information on my consumer report. According to federal law, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Never did I once grant your company permission to furnish such information on my consumer report nor did I consent for you to sell my personal information to outside third parties. I am giving your company thirty ( 30 ) days to settle this matter, please use this time wisely.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to prior communications regarding the XXXX XXXX XXXX account that XXXX  has inaccurately reported as accurate. Despite this assertion, the company furnishing the information has failed to provide proper certification of the alleged debt. Additionally, they have responded to the CFPB complaint but failed to certify that they possess or can produce the original document obligating me to pay, either for my review or for review by a judge in court upon request. 
As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. Furthermore, they have failed to return the debt collector certification, further discrediting their claim. By failing to produce such documentation, they have effectively conceded that they do not have a valid claim. 
Please be advised that XXXX is engaging in fraudulent reporting, in violation of Title 15, Section 1611 of the U.S. Code. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, XXXX assumes liability for these actions. Liability for this debt has not been lawfully established. 
Please be advised that XXXX is engaging in fraudulent reporting, in violation of Title 15, section 1692 ( e ) of the U.S. Code A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Liability for this debt has not been lawfully established. 
PLEASE SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted information to XXXX XXXX several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to XXXX regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' they need to VALIDATE it! and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax What happened to sending my updated results with a reasonable time frame of 30 days? I am referencing the accounts listed below : XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough.

Federal : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have XXXX or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

I take my credit seriously and I hope your company does also. Please do not delay with sending me updated credit reports with deleted information. 

Take care. 

CC : FTC, XXXX, CFPB
Product: Debt collection

Credence has been repeatedly calling and harassing me and my family regarding a bill I do not owe. I have disputed this bill in the past and have got it waived from XXXX XXXX XXXX but a manager from Credence names XXXX XXXX has been putting pressure onto me, by threatening to damage my credit. I have spoken to him several times, they agree to delete the credit tradeline only if we pay a minimal amount of {$780.00}. THE ONLY WAY I can fight this is to file a complaint as I solely depend on XXXX benefits to satisfy my day to day needs. Credence also threatens to garnish the XXXX benefits
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX XXXX XXXX  credit card in my name using my social security number. I contacted the company letting them know it was fraudulently on my credit report. They responded saying that there was nothing that they could do to fix my problem because it was verified as accurate, which is false. I have never opened an account with XXXX XXXXXXXX XXXX  and never will. I have disputed this with XXXX, Experian, and XXXX to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report