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

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Unpaid Balance {$830.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with ABSOLUTE RESOLUTIONS Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided.

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity XXXX constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. 5531.
Product: Mortgage

They Ditech, took my principal payment of {$9900.00} and put it to escrow and interest. 
I talked to XXXX in XXXX before they got the payment and relayed the message that I wanted it to go to principal since I already made my XXXX payment.
Product: Debt collection

never answered my request to validate the charges they claim belong to me verbally XXXX XXXX illegally selling the information to two debt collectors who told me they were Jp Morgan mis-representing there true identification in order to collect the debt on the credit card. I filed a complaint to Jp Morgan also with the FTC in writing XX/XX/XXXX, XXXX jp Morgan to answer in a timely fashion in which they never did. I've made numerous calls to Jp Morgan chase in the past Dated approximately XX/XX/18 to present to dispute charges and they said the would investigate they never did only issuing a new card with and carrying over charges and adding to my balance. 
U.S. Consumer Financial Protection Bureau Subjected consumers to collection activities for accounts that were not theirs, often for amounts that were incorrect or uncollectible Saddled consumers with inaccurate credit reporting and improper judgments that could affect their ability to obtain credit, land a job or buy a home Sold inaccurate, settled uncollectible or very old, " zombie '' credit card debts to debt collection firms that subsequently pursued consumers for repayment Filed lawsuits and obtained judgments against consumers using false and deceptive affidavits and other documents prepared without following proper procedures a practice dubbed robo-signing. first card received. first card XXXX ( fraudulent activities,,, XXXX gas stat.ion in the XXXX made a police report and charges from XXXX. contacted jp Morgan chase gave information and they never gave me any information on there investigation they instead issued me another card different account number and roll over fraudulent activities and charges, this has been their practice with other cards issued,,, rolling over balances without investigating past occurrences. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have informed experian transunion and XXXX that they are reporting several inaccurate inconsistent incomplete accounts with out my written permission.i was going threw XXXX on XX/XX/year> and my ex wife used my social security number and dob without my permission to open several accounts.i have filed an ftc report # XXXX and have filed an identity theft Affidavit and have sent over XXXX dispute letters through the last 2 years to experian XXXX  and XXXX Informing that they are reporting incorrect inconsistent negative accounts without my written permission to do so which is violating my federally protected rights.i demand that the remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXi am attaching the ftc report the identity theft Affidavit and tge most recent credit report information and the most recent dispute letters delete they aforementioned accounts within 4 business days from receiving this complaint.this is costing me countless hours and thousands of dollars in interest also keeping me from buying a home and a car.
Product: Credit reporting or other personal consumer reports

After multiple attempts with disputing unauthorized accounts with the fraud department I have not received any requested documentation connecting me to any of the accounts being disputed. I have run into issues with Experian 's upload portal to provide follow up documentation and when I called to resolve the issue I was met with an agent responding with the website seems to be having some sort of " lag ''. His advice was to continue attempting the upload and that he could close my dispute and reopen them to restart the investigation thus giving the creditor yet a fresh 30 day resolution time. The consumer reporting agencies are violating my consumer rights under 18 U.S. Code 1028A as I have reported to the agencies that I have filed now multiple IDENTITY THEFT REPORTS with the FTC and still no resolution as they respond they aren't able to verify the document even when provided the REFERENCE NUMBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX and XXXX are reporting an account with misleading information. After I reviewed my credit report online these three bureau have two accounts named ( XXXX ) and ( XXXX XXXX ) that is reporting false information. XXXX is reporting this as an installment loan and I never applied for an installment loan with this company. Underneath is the account information off my credit report from three bureaus.XXXX XXXX and XXXX is reporting a different account type for XXXX. The account named ( XXXX XXXX ) is reporting different account types on my reports. Please delete ( XXXX ) and ( XXXX XXXX ) from all my credit reports immediately. 

XXXX Equifax. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account Status-Closed Account status-Closed Account status-Closed Date Opened-XXXX XXXX. Date opened-XXXX  XXXX Date opened-XXXX  XXXX Account type-Credit Card. Account type-Revolving Account type- Revolving account Highest Balance-None Highest Balance-None Highest balance- {$360.00} Terms- Revolving Terms-None Terms- Responsibility-Individual Responsibility- Responsibility- XXXX EQUIFAX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account Status-Closed Account status-Closed Account status-Closed Date opened-XXXX  XXXX Date opened-XXXX  XXXX. Date Opened-XXXX  XXXX Account type-Auto Loan Account type-Installment. Account type-Installment Account Highest Balance- Highest Balance- Highest balance- Terms-68months Terms-68months Terms-68months Responsibility-Individual Responsibility-Individual Responsibility- Original balanceXXXX Original balance-XXXX Original balanceXXXX Past Due AmountXXXX Past Due Amount- XXXX Past Due AmountXXXX
Product: Debt collection

Allied Collection Services, INC. never sent me a debt collection letter regarding a bill I had with XXXX. They 've called me on my cell phone which is a TCPA violation. On top of this a Collection Rep, XXXX XXXX, told me that if I made a payment plan with them I would n't be reported to the Credit Bureaus. I commenced into a payment plan of {$50.00} per month. They charged {$60.00} to my debit card when they told me it was {$50.00} and said there was a {$10.00} processing charge. Allied Collection Services, INC has no ethics/integrity. They say XXXX thing to me and do another. I asked them to produce the audio recording where the rep XXXX said that it wo n't be reported to the Credit Bureaus. They said recordings are for internal purposes only and wo n't let me review it with them on the phone. I feel like a bunch of my rights are being violated as a consumer. Never received a letter from them saying that I owe money and never had a chance to have the debt validated. This company is a giant fraud.
Product: Debt collection

I got a letter from RUI collections. They said that I owed over {$9000.00} on an account that I never would have. I am a XXXX veteran and my wife through state handles the utilities. My wife collects XXXX including XXXX XXXX. This account is either fraud, part of identity theft, or at a minimum a mistake. I want collection activities to end immediately and company has called to threaten me with having my credit ruined!
Product: Credit reporting or other personal consumer reports

It appears that XXXX XXXX  was charged off and sold to a collection agency in the amount of {$430.00} however I do not know who this company is. I would like for this account to be removed from my credit file as it negatively effects my score. The account was never paid according to the payment history. It was opened in XXXX XXXX XXXX  reported 30 days late in XXXX and charged off in XXXX which was only 60 days from the date of opening which is a huge red flag seeing as I never had an account with this company and how is an account reported in only 60 days. This is not my account and I want it deleted from my account. Also They send back a reply stating that I don't have proof that the account isn't mine but how can I have proof of something I have no knowledge of? Please remove from my credit file
Product: Bank account or service

A check in the amount of {$3700.00} was deposited into our bank around XXXX XXXX but has not shown up on our bank statements. We have been tracking the bank statements in the event there was a delay or problem and as of the XXXX statement still no deposit was shown. We contacted our bank, the 1-800 number and the XXXX local branches. No one has any information about the deposit. The organization that issued us the check says the check did clear their bank XXXX XXXX but say there is no information readily on the check to identify what bank processed the deposit. What do we do? Are there not tracking numbers to identify all banks involved in check deposit transactions?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting an account incorrectly. I've disputed account with them ; I keep getting automated responses saying that the account was verified as accurate. 

I've contacted the furnisher, and they informed me that they are no longer reporting it as the account is closed and paid. 

XXXX removed the account due to no response. XXXX and Transunion claim that they are getting responses but their credit reports suggest that reporting has stopped. 

How can something be verified as accurate if the company is no longer reporting to the account, and the account is no longer open? XXXX and Transunion, aren't investigating disputes. They are merely verifying user information such as name and address. 

It is an FCRA violation to report inaccurate information. It is also a violation to ignore consumer dispute requests. Penalties for FCRA violations are up to $ XXXX per violation. 

With the help of CFPB, I would like to start or join a class action lawsuit in regard to this behavior.
Product: Credit card or prepaid card

I purchased two air purifiers from XXXX XXXX for {$970.00} with my Citibank credit card on XX/XX/XXXX. Both air purifiers gave off a strong, toxic, chemical smell that made me sick. I contacted XXXX XXXX to return the defective units. Although XXXX XXXX was aware of the problem and said they would send me return shipping labels they didn't follow through. After multiple attempts with XXXX XXXX I disputed the charge with Citibank. After I disputed the charge, XXXX XXXX sent me the return shipping labels and I returned the two items to them. 

XXXX XXXX responded to Citibank regarding my dispute stating that they would refund my money when they received the products -- their response was on XX/XX/XXXX and they received the products on XX/XX/XXXX. Based on XXXX XXXX 's reply to Citibank, Citibank reversed the credit. 

Despite XXXX XXXX stating they would refund my money they have not. So I contacted Citibank again on XX/XX/XXXX to dispute the charge. Citibank requested additional information, including proof I returned the items. I provided the additional information to Citibank on XX/XX/XXXX along with the XXXX Delivery Confirmations for the two products. Citibank denied the credit on XX/XX/XXXX stating that they needed proof the products were returned. I contacted Citibank again on XX/XX/XXXX to understand the problem since I provided all the information. I spoke with both a billing rep and a billing supervisor ( account manager )  who both agreed that Citibank had all the information they needed and I should receive the credit. The supervisor told me the dispute would be reviewed again and I could expect to receive the permanent credit within a few days. 

It appears Citibank is giving me the run-around treatment as they have gone silent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, requesting the credit bureaus to remove accounts and Inquiries I found on my Credit File that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), as the Credit reporting Agencies, you are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please take a look at the following items you are reporting on my Credit File and have them removed as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe that the disputed items belong to me, I will be requiring you to please send me copies of proof of verification or proof of ownership to support such claims. In the absence of such documents, I will greatly appreciate you removing the disputed items off of my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, l am opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802.

THE PRIVACY ACT OF 1974.
Product: Checking or savings account

I had a notification pop up on my SoFi banking app about a suspicious charge and to confirm the validity. It was for {$99.00} and it was not a charge I made. I hit No I dont recognize this charge, which then prompted me to call their customer service number. In the process of calling, I had two more charges come through that resulted in depleting the remaining balance of my checking account, and also a large withdrawal in my savings account. I spoke with one rep who did not do anything but put in an order to send me a new debit card when I asked how to protect my accounts. The next rep I called offered to put a restriction on the account to prevent any money going out. Both reps told me I could not have these transactions canceled out or have the money refunded to me until they post. Ive never had a company state this as a policy, and this is causing financial hardship for me because I use this account to pay all of my bills, and I have to wait for those fraudulent charges to post before I can even start an appeal process to get my money back. I was told they cant provide a timeframe for resolution on this action as well.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX XXXX is reporting on my credit report when I filed an identity theft report on this account. I received a letter from the company stating this would be removed and its still reporting. The date opened is different days reported on each agency. The high credit limit reporting is incorrect on all the reports their all different amounts. Last date active is incorrect as they put the item back on my report after reporting it and changed it to active. I want this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX 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

Radius Global Solution has been reporting a medical balance for laboratories services on the amount of {$170.00} which my insurance XXXX XXXX XXXX has informed me that Im cover 100 % for this services and do not have to pay anything. 
The collection agency doesnt care about my explanation and I have given them all insurance information but still report this negative and fraudulent charge to my credit reports. 
Please dont allow for fraudulent companies like this to harm our credit records. 
Thank You
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I am writing because on my XXXX and XXXX credit reports you have my account as in Collection/Charge-off on XX/XX/XXXX.This information is incorrect. This account was paid in full through Chapter XXXX Bankruptcy Plan and discharged. Soon as this account was paid off it was put in a Charge-off status on my credit reports. I would like this information correced and for the status to be Paid In Full through Chapter XXXX Bankruptcy Plan. Also the date they have last payment is XXXX XXXX, that is also incorrect. This account was paid off in XXXX XXXX. I have enclosed documentation showing this account is and was in good standing through out my bankruptcy plan. I have provided my bankruptcy Chapter XXXX payment disbursements to GMAC ( ALLY ).
Product: Credit card or prepaid card

I am XXXX and need a credit card for emergency situations. Discover Card has continually reduced my credit limit from a maximum of {$15000.00} ten years ago to {$500.00} recently. My credit score has remained fair to good. recently it was XXXX. I have 100 % payments on time. I have had this card since XX/XX/1989, one of my longest. I used to use the card frequently, but since it has been gradually reduced to a {$500.00} limit, It is not useful for any travel or car rentals. Hardly anything except for small purchases, and it is not my go to card, primarily due to the low limit. I have a XXXX  XXXX XXXX Visa XXXX with a limit of {$25000.00}. I have several other cards as well. So in the past couple of years, I have it as a backup, and not used. Discover Bank is therefore not making any fees or interest on it. That is the real reason they canceled my card, for lack of use. If they can't make any money, they don't want me as a customer. So then they look at my credit report and analyze it for any possible reason to get rid of me. The Key Factors they used for this decision are vague and several or not correct. Furthermore, if I were younger or used the card more, they would not have done this action. It is not as though I really need this low limit card, but the way they have done this is unfair and discriminatory. I am claiming age and XXXX discrimination in this denial of credit.
Product: Debt collection

XXXX XXXX from the revenue group is continually calling me from XXXX and saying I owe money but wo n't tell me who unless I give him my date of birth and social security number. I have told him to stop calling or let me know who I supposedly owe money to and he refuses. He says that they have sent me several letters explaining the debt and we have not received any of them.
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 XXXX XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.