23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ON XX/XX/2023 BANK OF AMERICA XXXX XXXX WENT INTO MY PERSONEL CHECKING ACCOUNT I HAVE WITH THE FINANCIAL INSTITUTION AND TOOK {$590.00} WITHOUT MY CONSENT OR PRIOR WARNING, FOR AN ALLEGED DEBT THE INSTITUTION CLAIMS I OWE. BANK OF AMERICA HAS NOT PROVIDED ME WITH MY WRITTEN CONSENT OR A COURT ORDER THAT ALLOWED OR GAVE THEM THE RIGHT TO INFRINGE ON MY LIVELIHOOD BY SEIZING FUNDS THAT WERE ALLOCATED TO PROVIDE FOR THE WELL BEING OF MY FAMILY AND HOUSEHOLD PURPOSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes in regards to the incorrect itens on my credit report. It has been well over 45 days and I haven't received any investigation results.
Product: Checking or savings account

I opened this account after leaving my abusive husband. I was being stalked and my funds were very important for my safety. I was constantly over drawn, charged hundreds sometimes, leaving me stranded. I never knew what my account has in it. I was on the phone almost every day trying to get things straightened out. You'll see, fees were often put back into my account, however this still left me broke and never knowing what to expect. I appreciate your plain language act, I really do and can only say that my experience with wells Fargo while trying to start a safe healthy life, was horrible and frightening. I had to walk through a dangerous city home one night because I didn't have cave fare, only to be robbed and XXXX at XXXX, and everything stolen, id, social security cards, money, ECT. All of this information should be in Wells Fargo records, because I told them, daily. I finally made it home in Alaska, closed my account, and feel like I deserve Justice and the rest of my fees back. Not all of my fees were refunded, just what they felt like at the time. That doesn't even begin to cover the ambulance and hospital bills, laptop and medicine. I could go on, but won't. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. Cap One - Date - XX/XX/XXXX. XXXX XXXX XXXX - Date - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit on XXXX XXXX and saw that I had collection accounts when I have not used my credit for anything in 10 years. These accounts were opened without my authorization and fraudulently used by someone else. Now I have these negative accounts on my credit that I have never used. One is from XXXX  and other from XXXX neither of which I have ever done business with.
Product: Debt or credit management

XXXX of 2023, I signed up for a credit repair/ consideration company 1 month after completing the paperwork with agreement 's, payments would be dispatched every two weeks to debt companies. my accounts were transferred to another company, without any knowledge and payments were only dispatched once a month. Second disconnection within the two companies cause change of withdrawing for payment to credit repair/ consolidation company cause payment for 2 consecutive months missed. Reported negligence for debt companies..
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing this complaint with absolute certainty and extreme frustration. My credit report contains numerous errors, including items that appear to be the result of fraud and identity theft. These inaccuracies are significantly affecting my life and credit score, making it impossible for me to achieve financial stability and freedom.
Product: Debt collection

PNC Bank repeated calls by their consumer finance division on their secure credit calls are now every 15-20 minutes! I have asked them repeatedly to stop but they continue
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and a fraudulent account with XXXX XXXX ( Account Number : XXXX ) was added to my Experian credit report without my authorization. XXXX XXXX  investigated my claim and confirmed the account was fraudulent. Both XXXX and XXXX removed the account as required by FCRA Section 605B. However, Experian has failed to do so despite having all necessary documentation, including an FTC Identity Theft Report and confirmation from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

this information is inaccurate and I keep providing proof and these credit bcompanies aren't doing there job to update this information, its stressing me out ... ....
Product: Debt collection

Due to Address changed, I never received final Bill from XXXX 

After 6 years, I received a notice from RS Clark and Associates , Inc XXXX I contacted them, They mention my phone will be recorded so i did n't asked them anything in writing. 

They told me, as soon as i paid off my balance they will remove from Credit Report. I paid {$100.00} amount right away in order to remove negative item from my credit report. 

I paid off on XXXX/XXXX/XXXX via XXXX XXXX card ending XXXX. 

As i spoke to XXXX XXXX, he mention that they will Remove collection from my report within 30 days. 

I received a receipt saying sing and mail or fax so i scanned and replied R S Clark Associates back with signed receipt. 

I been trying to contact XXXX but they are not responding to Credit Agency about paid off. 

They still have Collection on my XXXX Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my recent CFPB Complaint I submitted requesting that immediate removal of the fraudulent accounts and information being reported on my Credit File. I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX requesting the investigation, verification and deletion of these suspicious accounts and information. I believe that the Credit Bureaus have not yet validated these items in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and FCRA section 605b. These items were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following items mnust be investigated thoroughly and removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Kindly send me a copy of your analyses and investigation the moment you finish tour investigation. If you can not prove that the disputed items are indeed accurate and valid, immediately remove the disputed items off of my Credit File as soon as possible.
Product: Debt collection

I do not know about what this is, it showed up on my credit report and had no recollection or notification of this. No phone call, email, or any type of communication to collect debt has been given. I believe this is Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carter-Young Inc is incorrectly reporting a bill for {$210.00} for XXXX XXXX. I told them the bill was not mine. I am a current patient at XXXX XXXX and called them. They sent proof I do not owe them anything, my account is in good standing and that they in fact owed a credit to ME!! They said the account numbers didn't match. XXXX XXXX stated they do not have ANY acct number that matches the beginning numbers of # XXXX that the collection agency is reporting. XXXX XXXX sent yet ANOTHER letter stating that they searched ALL databases and I do not owe a bill. Carter-Young will not remove this bill even after they have received proof from XXXX XXXX stating I do not owe it. I sent copies of the envelop the letter came in, the letter, the ledger and the info regarding the refund they owe me and I am still fighting with this collection agency. It it unfair. I do not owe this money and they refuse to accept that.
Product: Debt collection

On XX/XX/year> I received a letter from Morgan & Associates stating I now owe them {$16.00}, XXXX XX/XX/year> Morgan & Associates responded to my request for the original instrument with a court case filing however I had not received proper notification nor was I served by a county sheriff. 

On XX/XX/year> I received a solicitation letter from a law firm stating Morgan & Associates had taken legal action against me on behalf of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX   account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I receive a credit alert of a new account for Koalafi. I call them and explain that I don't know anything about this account. They provided me this information, in XX/XX/year> and the business XXXX XXXX XXXX apply for a credit to pay a car repair. The address on the account and email is incorrect. I contact the business but so far, no answered. Koalafi is trying to help me, they said this is fraud and I need to report it. My concern is how many accounts will be open under my name?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I was viewing my credit file when I noticed my student loans are reporting inaccurately. I have loans through XXXX currently. In the past I had loans with XXXX as well. A couple of years ago I transferred all of my loans to my preferred lender Dept ED/ XXXX which is XXXX. 

XXXX  status should be reported as closed - Transferred. 

XXXX - should show is open. 

However, my credit report shows ( 5 ) XXXX accounts closed which is -inaccurate -duplicated reporting - because the closed reporting of dept Ed/ XXXX is the same exact XXXX open accounts. 
- showing the same loans open and closed is on accurate reporting. 

I should only show ( 2 ) closed educational loans. Which are XXXX. 

Please update my credit file correctly- this reporting is incorrect and hurting my credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$650.00} ; ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have already filed one complaint with Pnc Bank. I have not heard back from them when they said they would call me and investigate more. I received a letter in the mail that I owe them the XXXX and some dollars that was taken fraudulently from my account, they did not see where it was I live low income means and can not afford that. I did not do that and need to find out who did and get my money back they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

No response back from company.
Product: Credit card or prepaid card

XX/XX/2021, I tried to log into my XXXX XXXX card account at https : XXXX. When I went to log in, it stated " Were sorry. Due to the status of your account we are not able to grant you access at this time. Please contact our Cardholder Service department at the number on the back of your credit card. '' I did just that. They went on to tell me the card was reported lost/stolen and couldn't say by whom. I DID NOT report this. They went on to say another card will be sent to my address. I was like ok. Weeks go by, NOTHING. I called back and they said the account was reportedly opened fraudulently. I went on to tell them, I was the one that opened the account and there was NOTHING fraudulent about it. After another call, I was advised to call and speak to XXXX at XXXX ext XXXX. After a week, I was able to speak to him. He stated it appears the account was opened fraudulently. I advised I approved this application and applied for it. He was confused. I again told him I applied and wanted this account as I have made purchases and made payments from MY bank account already. He said great and was going to close the fraud investigation and to call customer service back to get a new card sent to me. I called them back, they said they can not reopen the account as there is an investigation. I advised it was just closed by XXXX. Nothing they can do. Was also told to fax a letter stating I applied for the account and there is nothing fraudulently with a copy of my drivers license and SScard. I did just that to XXXX. Still no reply. Weeks have gone by and no-one is helping me. It shows as CHARGED OFF on my credit. I am willing to pay this account. I would like for it to be reopened so I can continue my business with them.
Product: Debt collection

The name of the debt collection company is Harvard. Today I received a call from XXXX XXXX XXXX XXXX. Caller ID showed XXXX XXXX. When I answered a person who barely spoke English and spoke with a heave accent, either XXXX or XXXX, asked for me by name and identified as being with Harvard Collection. I believe they are using this caller ID scam as a ruse to trick people into answering their phones. This is deceptive and they need to stop! I do not even know what type of debt they are trying to collect and I have been a victim of identity theft so it may not even be legitimate.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX JPMCB CARD I Hereby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As established in pacifXXXX concrete XXXX XXXX XXXX XXXX XXXX  XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Account # XXXX Capit if you fail to comply with this request. 

I will have the option but to pursue legal action against your company. Below is an itemized list of potential costs associated with litigation for harassment and abuse. 1.Attorney fee {$5000.00} 2. Court filing fee {$500.00} 3.Statutory Damages under the FDCPA fee {$1000.00} 4.Additional damages for Emotional distress fee {$10000.00} 5.Time off work an other incidental expenses {$2000.00} with a total estimated cost {$18000.00} I expect a prompt and complete response to this request. Failure to comply with my request and continued attempts to collect debt without proper validation will be considered Harassment and abuse under FDCPA, and I will take the Necessary steps to protect my rights. Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

I did not know that my friends account has been hacked. I thought that was her and she referred me for investment to another person on instagram. In short these XXXX worked in collaboration for scamming. I sent XXXX transactions XXXX for initial investment, XXXX taxes, XXXX membership, XXXX ( XXXX for bitcoin mining investment and XXXX for her commission. ) This transactions happen XXXX XXXX and XXXX XXXX XXXX each day. XXXX XXXX when our common friend told me that her account was hacked. I did not know. I contacted chase every week eversince that incident. I reported them to Federal Trade Commission, FBI and even to my local police department wherein they made me a police report. As of today when i called chase, they closed my claim already for that XXXX saying that that is XXXX and i authorize the transaction and there is nothing they can do about it. They even do not want to tell me where the money goes to. They said in order to protect other party security they can not divulge that information. My local police department detective is checking with the chase department security. 
All the weeks i kept on following up with chase bank and it is a waste. I am so frustrated that they can not do anything about the XXXX usd money i have been scammed with. I am in emotional stress and distress. I have been scammed XXXX. My employer did not pay me too in NJ where i worked XXXX hours. Financial crisis is here. i do hope there is something you can help and do to recover my funds. God bless you always.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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