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

I am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. CREDIT XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
CONSUMER COLLECTION MANAGEMENT XXXX XXXX XXXX LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.
Product: Debt collection

VA referral for XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX   while in service and some XXXX XXXX  recently with XXXX XXXX XXXX ). XXXX  at VA appointment said he would refer it out. At XXXX XXXX, XXXX XXXX  were taken ( the basic type ), they said they 'bill a credit card ' at the VA and the VA would be referring more care out ( my XXXX  and service records are at the VA ). VA said they would not be referring more care out after the visit like something went wrong. I've received a bill for {$5000.00} from REVCO Solutions in less than 1.5 weeks with XXXX XXXX XXXX ( the bank I use ) for {$5000.00} and they would settle for {$2700.00} if paid immediately. 

This type of scamming on homes in XXXX KY ( good faith deposit, but unable to get flood insurance for loan ), loss of my home to pay taxes, blocking from real legal ( they only collect information, they say they can't help ), cellular svc dropped calls in XXXX  VT ( where home was near XXXX  station and was previously stationed at the XXXX station in XXXX ), blocked messages, car hit and claimed in XXXX RI after tow operator unreachable and 'dropped ' insurance again ( this happens continuously with 'dropped ' insurance that's paid or Police dont/wont accept proof of insurance ). 

Blocking from XXXX XXXX after filling FAFSA and admission pkg for XXXX XXXX to XXXX  of VT and XXXX XXXX XXXX Not able to get any confirmation while visiting the schools. *I have not applied to any other XXXX XXXX   since then. 

Financial skimming from XXXX XXXX XXXX. Cancelled XXXX cards and had to travel to XXXX VA, XXXX miles to pick up a new one at XXXX XXXX XXXX XXXX, XXXX ( Aunt and Uncles home after reordering XXXX ). 

Harassment with car ( reported to FTC, XXXX  ) by XXXX XXXX XXXX. Multiple disappearances ( theft ) of title ; break in of car, removal of DD214 Mil svc paperwork, neighbors locking the car ( believe that this is a scam with the neighbors and the dealer and multiple keys floating around. I have tried to get it replaced at reasonable price but can not afford it ). 

Military service credit on DD214 manipulated and messed with ( I have 22 years and almost 7 years sea time ) ; to show 1/2 the creditable time and 0yrs sea time. 

Lack of real representation by courts in VT and KS for being assaulted/battery with weapons and deadly force. The people that do this never show for court and unable to ever reach lawyer prior to court. Then when paying fees they are hiked up {$200.00} after 2 years of seeking help/representation between plead no contest to get things working for total of {$700.00} and then referred to another cascading issue of a ticket from XXXX, KS that was a result of 'improper plate mounting ' ( it was mounted properly ) and refusal to accept proof of insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion today at ( XXXX ) XXXX, on Monday, XX/XX/2023, around XXXX XXXX XXXX XXXX XXXX. An agent answered the phone and did not speak or say anything ; the call was silent. After a few minutes, the call was disconnected. This is call avoidance and is against TransUnions policies and procedures. Please review the phone call and sanction the agent. This is prohibiting me from filing an FCRA dispute over the phone.
Product: Checking or savings account

It has been XXXX years and Venmo has held onto funds. They will not return the funds or release the funds, Venmo has not released funds and will not provide any details as to how to proceed with the steps to release funds XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Representative claimed I would be homeless on the street because of them reporting this supposed debt on my credit reports. I quote " you need to pay us {$320.00} or we will report this on your rental history and you wo n't be able to get an apartment, do you want to live on the street? You need to pay right now ''. 

They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.
Product: Credit card or prepaid card

I purchased a XXXX  gift card from XXXXXXXX  a company of US Bank at XXXX grocery store. 

When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the XXXX at XXXX and the sid they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. 
They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. 
I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always pay my bill online with auto payment. Some how XXXX is showing 30days late as I paid off my HELOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to remove the inaccurate addresses that are on my credit report because they are not mine. I do not receive any mail from the postal service at these addresses and this is in violation of my rights. Please remove the listed addresses. 

Prepared For 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 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

XXXX XXXX XXXX sold the debt to National Credit Adjusters , XXXX and a rep named XXXX XXXX keeps repeatedly calling my cell phone using spoofed phone numbers ( # neighborscam ). Another rep named XXXX XXXX, also with National Credit Adjusters, has been using the information they obtained to purchase cars, gym memberships, and auto insurance using my personal information. 

This needs stopped right away and both XXXX XXXX XXXXXXXX and National Credit Adjusters refuse to communicate in writing.
Product: Checking or savings account

I have contacted Bank of America 7 times and have been lied to every time! 
I WANT MY ATM AUTHORIZATION TURNED ON! 
It is turned off - set to decline transactions if theres not enough funds to pay. 
I HAVE CONTACTED THE BANK AND EVERY TIME IM LIED TO!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian the proof of my payment to XXXX XXXX years ago. The proof showed that the payment was actually sent on time and XXXX XXXX did not process it until it was late. 
I am not sure why Experian failed to update my account as never late. I sent the same information to the other two credit reporting agencies and they investigated it and fond that I did pay it. I no longer have the documentation I sent in because of a natural disaster/flood that destroyed a lot of my documentation. But according to the Experian representative, they should still have it on file.

I have been back and forth on this account for almost 7 years now and it is adversly affecting my credit score with Experian. My score with the other two agencies are at XXXX each and the Experian id XXXX. They all have the exact same information and the only difference is that Experian has this lae payment on my record. 

Account name XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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
Product: Checking or savings account

I am the victim of identity theft, my debit card was used to make unauthorized online transactions, to XXXX XXXX. Dates of unauthorized transactions - XXXX, XXXX, and XXXX. XXXX = XXXX transactions for {$500.00}, totaling {$1500.00}. XXXX = XXXX transactions for {$1000.00}, totaling {$3000.00}. XXXX = 3 transactions, totaling {$4100.00}. All transactions total {$8600.00}. 

I did not authorize any of these transactions. Chime declined to reimburse my unauthorized transactions. 

I also filed a report with the Federal Trade Commission, stating that my identity was stolen and used to make unauthorized online transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.
Product: Debt collection

Amerifinancial Solutions of XXXX MD has been harassing me for over 6 months with repetitive calls from many different numbers. This was a debt created by identity theft. During the pandemic someone had opened bank accounts in my name, stole my unemployment by applying and receiving it all then i was unable to use the benefit and they obtained XXXX XXXX  attention and now this company has harassed me relentlessly and its causing me XXXX. This is not my debt, I even had a police report created for ID theft of unemployment bank account and other services.
Product: Debt collection

My data was breached and This account was opened while I was in prison under the FCRA USC 1681 I demand that it be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

dispute letters have been mailed to XXXX, XXXX and Experian with accurate proof of payment and no action has been taken by the credit bureau to correct the inaccurate information in records to the XXXX account who reported false information. Attached to my complaint is proof of payment along with proof of the dispute letter being sent. Attached is proof of autopay being setup on XXXX XXXX as well. the payments were not late.
Product: Credit card

I used Merrill Lynch travel services to book my XXXX trip using my credit card and did not note any penalties for changes on their website or tickets. In addition, my eticket receipt did not arrive with any change fee disclosures. I needed to change my return location from XXXX, XXXX to XXXX, XXXX, which is also the city that I should be flying in to, but when I called the travel center they informed me of all these change fees that included a {$270.00} airline per ticket fee and their service fee of {$30.00} per ticket. Even though the total price is now lower than what I originally paid for ( {$810.00} compared to {$1000.00} ) they will not refund me the difference or apply the credit to the airline penalty fee. They blamed the airline for these fees and for not refunding me the difference, so I called XXXX and they told me that they were not able to help me because I did not purchase the tickets with them. I asked about the price difference and they said that the ML should take care of that for me. I called them back and they said no and that they could only waive their {$30.00} change fee. I was not appropriately disclosed of these terms and would like to see a change without any penalties or a full refund. It appears that ML is engaged in the travel business without clearly disclosing the fees to its customers.
Product: Student loan

The loan servicers at Navient are providing false information and has placed me in a loan repayment plan without my authorization. They have also failed to provide accurate information to receive loan forgiveness as a federal employee.
Product: Credit card

Destiny Mastercard sent me an invite code to apply for their card under Concora Credit. The paperwork did NOT plainly state that there is a {$250.00} annual fee. This is not an XXXX XXXX or XXXX XXXX XXXX card, it is a card for people with bad credit and they are taking advantage of these consumers. I cancelled the card within a week or two and want the ridiculous {$250.00} taken off my balance. I can not believe they are allowed to charge this fee to those of us who are already struggling. This is a shady tactic that should be stopped by the CFPB immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Update to Open/Never late 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number # XXXX Update to Open/Never late 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 US 1681 section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I have disputed these inaccurate items several times and have yet to receive any responses or documentation.
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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX Balance : {$24000.00}
Product: Credit reporting or other personal consumer reports

I did not authorize the following companies to run my credit : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. - With out the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 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 .Accounts that violated my Rights US DEPT OF EDXXXX XXXX, US DEPT OF ED XXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF ED XXXX XXXX XXXX US DEPT OF EDXXXX XXXXAll are in violation of my right to privacy and 15 U.S.C 1681 Section 604 A. Section 2 Reporting agency can not and doesn't have the right to furnish an account without my written instruction or permission or permission of a court of competent jurisdiction. Debt Collectors according to the law aren't allowed to threaten, harass, or publicly shame you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The documentation Portfolio Recovery Associates, LLC, continues to send me as " proof the debt is mine '' is false under the laws of the FTC, FCRA. Again, they have no proof of my legal signature, no proof of a contract between me and Portfolio, let alone the companies they claim to have bought the debt from. The companies themselves say they have no required proof of 1 ) my legal signature, 2 ) my voice recorded by phone applying for a line of credit, 3 ) a  video surveillance of me submitting an application for credit. There is NO proof. These accounts can not be validated in any way, shape, or form. Copies of bills are not proper proof of validation. They do not hold up in a court of law. 

I have been at this since XX/XX/2018. The only thing Portfolio sends me repeatedly are the same copies of bills. Furthermore, because they have no documentation, they keep requesting I send them further documentation. Like them, there is nothing to send because these are not my accounts. They " terminate the investigation into these accounts '' because they know they have NOTHING. 

I am attaching what I keep receiving over and over again. I want these accounts removed from ALL credit bureaus immediately. This is my last attempt. Next course of action is to serve them court papers to appear before a judge in my jurisdiction where I will also request the allowed {$1000.00} per listing, per offense and per defamation of character and all legal fees which could incur upwards of {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my Equifax credit report and noticed they are the only credit bureau reporting this inaccurate account. 
There is a repossessed vehicle on my account which was completed in XX/XX/XXXX. Since then somehow Equifax is reporting that this account is on time from XX/XX/XXXX and that there are 3 late payment in XX/XX/XXXX as well as on time payments for XX/XX/XXXX. 
I am entitled to all accounts being verified with appropriate information. This is having an extremely negative affect on my credit health as well as my reputation. 
The company that is reporting seems to change the months that are late. A previous report showed a different set of months. Almost looks like the account showing under XXXX XXXX XXXX is either NOT verified or the company is providing updates that are NOT related to an account that they claim is mine. I hope they are not reporting the same car on MY account but are actually providing the information for another car owner. That is a definite violation of my rights for fair credit reporting. 
I would also love to see proof of the balance which shows as {$13000.00}. If that amount is inaccurate as well as the payment history I request to Equifax that this account be deleted from my credit report because of these violations to my fair credit reporting rights.
Product: Credit reporting

My identity was stolen on XXXX XXXX. I placed fraud alerts with my credit bureau, Transunion, as soon as I was notified on XXXX XXXX. Since XXXX XXXX, my credit has received XXXX additional " hard hits '' on my credit score to bring the total to XXXX. Attempts to resolve this directly with Transunion has been unsuccessful as they repeatedly tell me they ca n't remove these " hard hits '' without proof from the company who requested the credit pull. Each company I spoke to has told me Transunion is the only company who can remove " hard hits ''. I have been brushed off multiple times and passed on to different departments with no resolution. The security freeze option was never suggested even as I asked them what else I can do to stop these multiple credit pulls. Transunion has been completely useless. I feel like I am being victimized all over again.
Product: Credit card or prepaid card

I called into close my bank of america credit card account which has an annual fee. The agent promised that she would be able to give me 5000 miles in rewards if I continued to keep the card, which also means I will be charged a {$90.00} fee. Its been two months and I did get charged the annual fee, but haven't received the promised miles. 

I called back and the bank is saying they don't have such policies. I ended up closing my account, but this is blatant fraud to charge me an annual fee and not keeping their word about the rewards. They have misled me so they can charge the fee.