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

I've called many times to tell them this does not belong to me. Sent my social and license to prove it isn't mine. No one is doing anything. They went back instead updated the amount owed but kept reporting it on my account which isn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried on several attempts to get this company to validate that Im the responsible party that owe this debt but they have failed to validate.
Product: Debt collection

XXXX XXXX XXXX XXXX sent a letter addressed to me. It says I owed on a PayPal account XXXX and {$170.00} was paid or credited toward the debt. It states, " Total amount of the debt now : {$590.00} '' The letter is dated XX/XX/2022. 

This is NOT my PayPal account, nor did I have a purchase of this amount.
Product: Debt collection

There is a credit card charge off on my credit report that I have attempted to get validation through XXXX and XXXX and have not received anything. I sent a letter asking them to validate the debt they are stating is mine on the credit report. I wanted them to send me proof of the debt and who validated it or verified that it was my debt. I sent the letter to them on XX/XX/XXXX and the only thing I received from the two credit bureaus was that it was verified and that it was my debt. I never received anything with verification or validation of the debt. I do not remember having an account with Capital One in XXXX and I am willing to take a look at whatever it is they have to verify that it is my debt in order to pay the amount they have of {$1200.00}. I know through research that they have 30 days to validate the debt and send the information I requested, but it has been more than that and I never received a thing. I would like them to remove this debt off of my credit report since they did not do what the law states they should have done.
Product: Checking or savings account

Well it all started i opened a Bank Of America checking account and everyting was going fine i was working depositing money weekly. Until one week work got slow so i decided to take a two day job with a guy who posted an ad on craiglist. Which was suppose to be cash at end of each day but pulled giving me a check on the second day. I deposited as always and thinking nothing of it and took money out for the weekend, not knowing that this guy i only know for 16 hours would have such an impact of my future of being able to survive in a world if you dont have a bank account you can not do anything anymore since everying is thru apps on phone which only take debit cards. But long story straight this guy paid me in a check that the check account it was realated to was closed. And me knowing nothing about this Bank Of America closed my checking account immediately and closeing my account and labeled me as fraudent activity when i had nothing to do with anyone i was actually played as a fool and worst part the bank had nothing to say execpt good by and has no furthur contact with me even though i had tried and tried. I was set up and Bank of america took the easy route and blamed the guy who got scammed. They have no proof against me at all they just needed an escape goat and thhey used the easiest target they could find and they have ruined my life long enought. Im willing to get lawyers and make it go viral on social media because i have heard thousands of people cliaming Bank of america has done this to thousands of good people im guessing a tax rit off and proberly a pay out. But like i said. I have been collecting signatures for a very long time and my aunt a close friend with a senator is on ourr sides. But i will bring a lawyer i will contact the general attorneys office the press and make this go viral where bank of america cant hide behind anyting anymore. I will not suffer for these people anymore.

On that note i am begging you to help me
Product: Credit reporting or other personal consumer reports

On various dates several hard inquires were posted to both Equifax and XXXX under my account which affected my credit scores. I did not authorize permission to have my credit pulled. Listed below are the companies and the dates. I have sent out reports and requested investigations to both bureaus involved and also file a report with identitytheft.gov. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Credit Strong in XX/XX/XXXX because I wanted to increase my score in order to be eligible to purchase a home. I paid every month on time, but my balance never decreased. After noticing my balance never decreasing, I called and requested to have the accounts closed on XX/XX/XXXX. I received a credit report refresh on XX/XX/XXXX, and noticed the accounts were still reporting and also reporting 30 days late! 

I called the company after noticing this incorrect reporting and was told the account was never closed. The agent I spoke with did go ahead and close the account and send me confirmation that the account was now closed, however, she stated she couldn't do anything about the reporting. Although, she stated it was their fault for not closing the account when I requested, but refused to rectify the issue.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on XXXX Credit Report Dear XXXX XXXX XXXX to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Account Number : XXXX Amount : {$800.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.
Product: Credit card or prepaid card

XX/XX/2020 I was helped But as I put an application i got denied I don't want to be homeless with my loved ones and would appreciate if anything can be done to help with me using my credit at the moment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file 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
Product: Debt collection

I 've written a formal complaint about a debt to XXXX university that was to be waived. Ability Recovery never contacted me after my dispute yet filed a collection on my credit bureau. Check my credit, I have XXXX collection accounts. I 'm buying a new house and they were destroying my credit score over a debt I formally disputed, in writing, as they instructed me to do when I called. They would ONLY accept a mailed letter and refused a fax our email. This is unacceptable.
Product: Credit card

I attempted through live chat and phone call to reduce the predatory interest rate they've been charging me on my credit card ( 29.99 % ). I've been a customer for many years and have a clean payment history for 12+ months. Agents refer to some system that denies them but would not provide me any information.
Product: Credit card or prepaid card

on saturday i purchased a tour in XXXX for me an my child with this card. i was excited about it. unfortunately the tour guide was not so good and it was not enjoyable. i did contact the company to let them know he did not speak loud for all he did not wait for all before he kept walking and i wanted some of my XXXX dollars back. i have heard nothing. i emailed. i will pay for the museum which was part of the money but noit tour. it was awful. every time i tried to connect with disputes i get disconnected. i have never disputed an item before with XXXX XXXX XXXX please refund half after talking to them XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Acr XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Balance : {$2700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XX/XX/2023.
Product: Student loan

On XX/XX/2023, I requested that MOHELA provide me with a copy of the form that will allow me to request future in-school deferment waivers ( see Read Message XXXX ). After submitting my request, I was told that MOHELA would respond within 3 business days ( see Confirmation to Inquiry about in-school deferment waiver for grad school ). Despite it being more than 3 business days as well as more than 10 business days for " document requests, '' MOHELA has not provided any assistance or a copy of the form at all. Other than the confirmation the message has been submitted, I have received no response from MOHELA whatsoever. Given the stated timeline, I find this customer service unacceptable. I would like a copy of the form I requested on XX/XX/2023 as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 addressed to the Credit Bureaus requesting that they reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. Upon reviewing my updated Credit Report, I realized that no correction was ever made on my Credit Report! As of this date, the Credit Bureaus have failed to respond to my requests. I immediately sent another letter on XX/XX/XXXX to follow up the letters I have been sending. The 3 credit bureaus are required to authenticate these accounts under the FCRA 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. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries suddenly appeared on my credit report, and Im baffled as to why. I routinely checked my credit report today, and these discrepancies were just there. I refreshed the page hoping it was a glitch, but nothing changed. Please review the documents Ive sent carefully to resolve this and put my mind at ease.
Product: Money transfer, virtual currency, or money service

I have had a money Lion bank account for 3 years. I have been trying to get to the bottom of how much money I have invested in my stocks and shares investments and can never get a direct answer. I also have noticed transaction 's that we're processed without my permission and they have withdrawn money from my investment account and sent it to my checking account and I have never seen that money. I believe I'm being scammed and fraudulent activity is going on at this company.
Product: Debt collection

I received a message of a voicemail from XXXX XXXX  that was left on the former City Manager 's voicemail. I bought his home when he relocated to another city. I'm XXXX, he's XXXX. There is nothing to tie us except the fact that he was the previous owner of the house my wife and I purchased. What gives XXXX XXXX  the right to exploit my personal information to someone like that? It was a XXXX XXXX clothing account!! The lady from XXXX   XXXX who stated she was the collector for XXXX XXXX XXXX even made threats that this man and wife heard also. I do have the number and extension this voicemail came from. This was very disturbing to the previous homeowner who wondered how she even got His number and then tied it to the fact that I bought this house from him. She is liable for giving out my personal information. If the previous owner had never sent the voicemail to me I never would have even known about this. He is a white man who lives almost 3 hours away and is a City Manager in another city. I'm aiming to sue this company for defamation of character.
Product: Checking or savings account

This is the Email I received from the manager at the bank - On XX/XX/year> a deposit was made to you account for {$3400.00} at XXXX. The same day at XXXX a withdrawal for XXXX was made.

Your ID was manually put into the teller system by our employee and matched the ID on the system.

Currently our course of action is to debit your account ending in XXXX to recover the funds in the amount of {$1400.00} He then proceed to withdraw the money from my account without proof / evidence of the error that occurred on their part.
Product: Mortgage

Due to the COVID-19 pandemic, my small business has been impacted substantially resulting in a loss of over {$20000.00} in just two weeks time. Unfortunately, the timing of the pandemic occurred during our peak season of operations. We are in the hospitality   business and depend on the additional income received during the months XXXX - XXXX, to supplement the lack of income during the summer months. Our business provides XXXX  services for short term rentals in the area, also known as, XXXX 's and XXXX 's. Travel advisories placed us first in line as a business to become impacted by the pandemic. It will take over a year to make up the loss incurred. As a result, we are forced to re-enter the work force as employees. While looking for work that is already very bleak due to the large numbers of others that are also looking for employment during this unprecedented time, we hoped to receive a payment deferment from our mortgage company, US Bank. US Bank 's current relief program does not provide any relief or assistance. Payments can be made at our own discretion until XX/XX/2020 but all 3 months of mortgage payments are due in full by XX/XX/2020.  This only offers the opportunity to become behind on payments. Attempting to pay 3 months worth of payments in full is not realistic when we are already enduring incredible hardship from something that is completely out of our control. We have never been late making a payment to them since we've began making payments to them almost four years ago. Why can't the payments be deferred and tacked on at the end of the loan? Our credit union was able to do this and promptly did so for our auto loans with little to no questions asked. This would help us substantially while we try to get back on our feet. We are a small business. We've provided work and income to other families in need and will be the ones doing it again when the economy is trying to get back on its feet. Why is there not better help and assistance available to us when a national emergency and health crisis is at hand? We know we are not the only ones enduring this and hope that this complaint can bring true relief to other American families that need it most during this global tragedy.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies, particularly XXXX, due to the inclusion of fraudulent information on my credit report. As a victim of identity theft, I have discovered several inaccuracies on my report, including incorrect names, addresses, employers, and unauthorized accounts. I believe these issues stem from the XXXX  XXXX data breach, which exposed the sensitive personal information of millions of individuals, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, they have failed to adequately investigate and remove the fraudulent information. The inaccurate entries are severely affecting my financial standing, and I am requesting your assistance in ensuring that these credit reporting agencies comply with FCRA regulations.The Fair Credit Reporting Act ( FCRA ) establishes specific rights for consumers and obligations for credit reporting agencies. The following sections apply to my dispute : FCRA Section 609 ( a ) ( 1 ) I have the right to request complete and accurate disclosure of all information contained in my credit file, including the sources of fraudulent data. 

FCRA Section 609 ( a ) ( 2 ) Credit reporting agencies are required to maintain accurate personal information. The incorrect names and addresses on my credit report violate this section. 

FCRA Section 605 ( a ) Credit reporting agencies are prohibited from reporting inaccurate information, including incorrect addresses and employment history. 

FCRA Section 605B Upon receiving an identity theft report, the credit reporting agencies are required to block and remove any fraudulent information within XXXX business days. 

FCRA Section 611 ( a ) Credit reporting agencies must investigate disputed items and correct or delete inaccuracies within 30 days of the dispute. They have failed to meet this requirement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened an " Easy Checking '' account at First Midwest Bank, under a promotion to receive {$250.00} upon the completion of four required activities : ( 1 ) open the account before XX/XX/XXXX, ( 2 ) Make 10 debit card transactions, ( 3 ) Make deposits totaling {$2500.00} or more, and ( 4 ) enroll in online banking and e-statements. I will attach a screenshot from the promotion website that lists these four required activities. I waited the requisite length of time after completing all of these, but did not receive the {$250.00} reward. Upon contacting First Midwest Bank, I was told that I did not receive the reward because I did not use their mobile banking app. However, this was not prominently advertised as a requirement : I enrolled in online banking and estatements immediately upon opening the account, as was advertised as a requirement. I have clearly met the terms of this promotion and request that I receive the {$250.00} reward that was promised.