23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

For 2 months, XXXX and XXXX of 2017 Bank of America account has transferred 2 separate monthly payment to another account with out my authorization. Further, I have letters from Bank of America stating these transfer were made in error. As of XXXX XXXX, 2017 there has been a charge applied to another account, which is being disputed. 
Bank of America has not been able to explain how a account can transfer funds without impute from me.
Product: Debt collection

This is a continuation of Complaint ID XXXX. I have attempted numberous time to get the detail required to validate the debt from XXXX XXXX as XXXX XXXX. My last request was via email over a week ago and I have yet to receive a response. Since this is the second firm that has tried to collect this debt, I am skeptical that it is valid and that is the reason why the first firm that made the attempt passed it on. 

How are they allowed to put derogatory reports in my credit report when they have NOT complied with the requirements to substantiate the debt? 

I would appreciate your assistance in resolving this. 

Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Experian, I received a copy of my credit report and I am disputing some items that need to be deleted immediately. I have highlighted and circle these disputed items on the attached copy.I also attached my Driver License and a Utility bill to verify my identity. The reasons why these items should be deleted are also attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The car that was allegedly sold to me was repossessed with the Exeter Finance and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The Exeter Finance decided to keep the car as compensation and therefore I no longer owe the original creditor for the vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement If there have been any other changes or adjustments since the last billing statement from the Exeter, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Top line reporting has reported an account on my transunion credit report without my knowledge or consent I want this removed immediately as it is violation of my consumer rights that must disclose consent before reporting to my credit bureau report
Product: Mortgage

The Case is in Court, I upload my latest motion submitted on XX/XX/XXXX so we all can be in the same page. case # XXXX, with this Motion, two evidence were deliver, showing I sent them the correct contact info, so there was no need for the eviction notice process to be used by them. 

I was deceive into Court by the Bank lawyers, third party using Eviction Notice, main issue is they had the Correct contact info since I constantly furnished it for loan modification, I have been in contact with them since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX creditor : tried disputing this with XXXX and Transunion. I filed lawsuit against XXXX XXXX XXXX and XXXX and settled this debt with an attorney XX/XX/2022 yet still appears on credit report and on XX/XX/2022 XXXX attempted to sieze property and XXXX a XXXX party attempted to call and harass me about the property. I was unable to get information from XXXX when I called they said debt written off XX/XX/2022. I have been disputing this with XXXX and TransUnion but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXTotal VisaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Charge-Off on Credit Report and Request for Removal\nDear Sir/Madam,\nI hope this letter finds you well. I am writing to dispute the charge-off status that is currently reflected in my credit report for the account associated with the above-referenced Total Visa account. I request that you review this account and consider removing the charge off from my credit report based on the following reasons and in accordance with applicable laws.\n1.\tInaccurate Reporting:\nAccording to the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i, consumers are entitled to dispute inaccurate information on their credit reports. The charge-off reported on this account is either incorrect, outdated, or inaccurately reported.\n2.\tFailure to Validate Debt:\nUnder the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, I have the right to request verification of the debt. I request that Total Visa provide proper documentation to verify the legitimacy of the charge-off and the balance. If no such validation is provided, I request that you remove the charge-off from my credit report.\n3.\tTimeliness of Reporting:\nIf the charge-off was reported after the statutory time limits or contains incorrect information regarding the date of delinquency or default, I believe it is in violation of the FCRA, which governs the timeliness and accuracy of information on credit reports (15 U.S.C.  1681c).\n4.\tRequest for Removal:\nIf you are unable to verify the charge-off or provide appropriate documentation to support the debt, I respectfully request that you remove the charge-off from my credit report in accordance with FCRA regulations.\nPlease send me written confirmation that this charge-off has been removed from my credit report or provide me with a detailed explanation of why it remains. If this matter is not resolved satisfactorily, I will not hesitate to escalate the issue to the Consumer Financial Protection Bureau (CFPB) and consider further legal action.\nThank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe as required by law.\nSincerely,XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX XXXX Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00}
Product: Debt collection

After carefully reviewing my latest credit report, I found multiple accounts that I believe are erroneous and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit attempting to purchase a home and found a number of incorrect accounts on my report the XXXX refuses to remove. not mine and fraud accounts my address should be XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX only wrong address are XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX, XXXX CO XXXX Fraud Accounts are the following : XXXX XXXX XXXX Account # XXXX Amount- {$400.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX Amount- {$630.00} XXXX XXXX  XXXX Account XXXX XXXX Amount- {$1000.00} XXXX XXXX Account XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX Account # XXXX Amount- {$9000.00}
Product: Debt collection

I was sued XX/XX/XXXX. However, I was not notified that I was sued until I received a wage garnishment notice in the mail on XX/XX/XXXX. 

The company alleges that had sent an initial demand letter with the notice of right to dispute to XXXX XXXX XXXX XXXX XXXX , CA on XX/XX/XXXX. I did not reside at this address when they had allegedly sent the initial demand and thus never received it. 

The wage garnishment and shock of having been sued has caused stress in my family life and my work life. 

Further information can be found in CFPB cases [ XXXX, XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I sent a complaints requesting that you reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, you have failed to respond to my request and there is no response I receive. 
XXXX XXXX Balance : {$24000.00}
Product: Credit reporting

Called Transunion to report Duplicate unverified inquires on my report. XXXX is duplicate and XXXX is a duplicate. Should only have one inquiry for both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to remove fraudulent accounts proven by my statement and an official FTC Identity Report ( XXXX ). Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

I have sent XXXX complaints ( Latest CFPB Complaint XXXX ) and mailed all required documents to block this account from reporting but you transunion has ignored my request and ONLY updated this account incorrectly. 

Transunion has aided this XXXX by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The Following Account is a result of Identity theft and are is not mine, I demand that they are BLOCKED AND DELETED immediately :. XXXX. ACCOUNT XXXX  XXXX XXXX **** You are violating my rights and have not followed the FCRA laws which state the following ; Block of information resulting from identity theft 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, not later than 4 business days after the date of receipt by such agency of You received this request more than 4 business days ago and have failed to remove all of the accounts stated in the official FTC Identity Theft Report. I have sent the following request more than 4 business days and have verified with CFPB that you received these documents.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX  Balance Owed : {$340.00} XXXX XXXX XXXX  Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sick of this. There is an account with XXXX XXXX XXXX XXXX that I have been fighting with for some time now. They are listing two accounts which is not correct to start with because there was not agreement signed for this second loan. What they did is reporting past due payments as an entirely new account and still reported the late payments on the initial agreement. To make a long story short, they notified us that the collateral was being auctioned when we thought it was being paid by the insurance company. As soon as we were notified we paid the amount in full. TransUnion is the only one reporting this false account and not just the fact there was not an agreement for this to be showing as an account but also the fact THERE IS NO MONEY DUE. Also with the initial account this thing shows it opened XX/XX/XXXX and using the correct statue date that would mean the initial account payment history would have shown the account 30 days late XX/XX/XXXX therefore also making it past the statue. So TransUnion has violated, the FCRA by reporting a false account, an incorrect balance and PAST THE STATUE of limitations.
Product: Credit reporting

I am writing to file a complaint against Experian On previous validation of request, Experian failed to provide the true date and its validation to 1st delinquent date negative item has been reported on my credit report more than 9 years I called creditor and it stated they have stop reporting after XXXX 2015 Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with EXPERIAN to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.
Product: Debt collection

Transunion and XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Debt collection

Several weeks ago, when I check my credit score from XXXX, I find that ACCOUNT LIQUIDATION SERVICES in XXXX XXXX XXXX XXXX, XXXX, IA XXXX, Phone : ( XXXX ) XXXX claimed that I have an unpaid balance of XXXX $ ( original amount ) which now compounded to XXXX dollars in 2 months. 

First, I am not responsible for the amount. It is reported that there is an return check from me paid to XXXX XXXX XXXX in XX/XX/2022, which later XXXX XXXX XXXX gave the debt to Account Liquidation Service for collection. I never heard of XXXX XXXX XXXX and never had any business with the company. I suspect that my check was paid by the person who stole my checkbook in Iowa, which I already reported to the police and later I also filed a complaint with CFPB about XXXX doing nothing to protect my account and information. 

Second, Account Liquidation Service have never contacted me about the debt ( no phones, no letter and no emails or in-person ), it reported this to XXXX, which hurt my credit score a lot. 

Third, I filed a dispute in XXXX which they carried out an investigation by contacting the Account Liquidation Service in which XXXX said that the Account Liquidation Service said the debt was mine. During the whole process, the collection agent never contact me. 

Four, I try to reach out to Account Liquidation Service via email, but they never reply.
Product: Student loan

In XXXX, my loans with Navient ( at the time, Sallie Mae ) equaled approximately {$82.00}. XXXX. When I contacted Navient due to difficulties repaying my loan, they offered me a hardship forebearance. I thought this was a life-saver. I was unaware of and not offered any other options ... .This option allowed Navient to continue to accrue interest on my loan. Since I was a low paid public service worker, Navient continued to offer me forbearances until one day they told me my number of forbearances had run out. They never once informed me about any income-driven repayment plansthat would have allowed me an affordable repayment option and the opportunity to have my loan forgiven after ten years as a public servant. 

Now, in XXXX, I find myself, a single mother with a XXXX child strapped with a loan that currently amounts to {$160000.00} ... more than twice my original loan amount. Furthermore, after recently filing for an income based repayment plan, I was sent a coupon booklet where my payments jumped more than 100 %. Although my income has not improved greatly, my plan goes from {$150.00} a month to {$1500.00} starting in XXXX. I can not possibly pay this amount which is 38 % of my income based on last years tax records. And that's gross ... .NOT take home pay which is approximately a third less ... 
I am XXXX XXXX XXXX. These loans are from a XXXX XXXX XXXX program for a XXXX XXXX degree, that I was never able to use, because XXXX XXXX  failed to inform me that post-graduate courses where required for permanent certification. I was never able to afford the XXXX 's courses. As a result, I have never been employed in the school counseling field. When I initially called XXXX XXXX  I wanted to become a XXXX XXXX. They steered me toward the XXXX XXXX track as they had no openings in their teaching program at the time. They never once informed me that my XXXX XXXX XXXX alone would be useless unless I could afford additional courses, or I NEVER would have chosen that professional track and taken out student loans for a worthless degree. I did not find out that XXXX 's courses were required until after I graduated. 

Then, for years, Navient granted me forebearances ... .never once advising me of other options. Please, advise me as to what I can do. I feel as if both Navient and XXXX XXXX  did me a disservice by not giving me adequate information to make sound decisions.