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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have reached out to all the XXXX concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX  provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in 2019 and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I disputed the XXXX account and XXXX XXXX account that Transunion is reporting on my credit report. I disputed the account due to violations reporting. 

XXXX has a past due balance on a collection and XXXX XXXX has a past due balance as well. 

It is a violation for collection accounts to report past due balance. After Transunion completed their " investigation '' they did not make any changes. 

I want these accounts removed since Transunion has failed to report the accounts accurately after my numerous request for investigations to ensure this account is reporting 100 % legally and accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX I have an active fraud alert on my credit report and I did not request credit or loans with any of the businesses above, I have called XXXX to inform that it was not me that authorized them to check my credit report. They did not do anything.
Product: Debt collection

Filed a complaint about another debt collector on this issue in XX/XX/2015. See file XXXX. Another debt collector EOS CCA is trying to collect on the same debt on behalf of XXXX XXXX XXXX although the debt is not mine and the previous collector removed this debt from my credit report in XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 3 letters and an FTC report please update my personal information and delete the accounts which are fraudulent and the ones reporting errors and inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with Federal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law. 
XXXX Bank and all the Credit Reporting Agencies XXXX, XXXX, Equifax are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, XXXX Bank will be sued in Federal Court.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, Bank of America ( BOA ) automatically charged our credit card account for a credit card payment of {$1600.00} AFTER we paid manually online -- billing us twice. We had made a request for automatic payment a year earlier, and it failed due to an issue with our other bank, and thus we did not have automatic payment set up. <P/>We complained, and the second charge was refunded on XXXX XXXX, 2017. BOA told us that for some reason, the automatic payment process had suddenly activated, thus generating the double billing. BOA claimed that the error with automatic billing was solved. <P/>When we later reviewed our statement, we saw that the amount appeared once again as a charge on XXXX XXXX, 2017. In a call on XXXX XXXX, 2017, XXXX from the Virginia office said that BOA had decided to apply the refunded amount to our current balance when it was originally refunded. They also refunded our other bank account separately. Thus they claim they paid us twice, and had to debit our account once again for {$1600.00} to account for the fact that they had used that amount to pay the past balance. <P/>The amount also improperly generated interest on the account. <P/>The misapplication of the refund to our current balance is a Books and Records violation, as is the failure to have a control in place for double-charging. BOA claimed that they have such a control, and that they " automatically '' refunded the discrepancy, but that did n't occur until we made a complaint and compelled them to acknowledge and correct the error. These lack of controls also allowed interest to be generated on the account during that period. <P/>It is not clear how they improperly activated automatic payment in the first place, and XXXX from the Virginia office refused to address that issue in the XX/XX/XXXX call, saying, " well, however it was done, whether we did it, or you did it, that 's what happened. '' This is after the previous call when another service representative acknowledged BOA had made an error and claimed that they had fixed it.
Product: Credit card or prepaid card

XXXX2017, I logged in to pay my Best Buy Visa Credit Card bill and noticed my account had been closed. I called customer service who transferred me to an account specialist. They informed me that because mail had been returned to them they had to close the account. I verified my address with them and asked them to reopen the account. They said their policy stated that they could not re-open my account and I would have to re-apply if I wanted to have a best buy card. I tried to escalate this matter to a supervisor and was told the same thing. My account has alway been in good standing, I managed my credit limit well and never had a late payment. There is no reason why Citibank would have a reason to keep this account closed.
Product: Debt collection

This company has a collection history on my credit report. I have never heard of the company and the account does not belong to me.
Product: Student loan

AES has claimed the loan was issued in XXXX when it was actually issued in XXXX. This is untrue and has resulted in inaccurate interest charges.
Product: Debt collection

I am repeatedly getting calls from local number XXXX stating that severe allegations have been attached to my name and ss number and that I have XXXX hours to contact them at XXXX to provide a statement or they will file paperwork with the courts and I will lose all legal rights. They have also contacted my ex fiance. I have attempted to call back XXXX to both the local and toll free number. After several rings it states to leave a message then says that the mailbox is full. No identification of company. I do not owe anyone any money nor have I taken any loans out. I did some research since you are unable to actually speak directly to a person and discovered that this is a company named Direct Capital and they are harrassing numerous people.
Product: Credit card or prepaid card

Someone in XXXX, NJ fradulently made a {$1000.00} payment to my American Express card. They also placed a fradulent mailing address onto my Amex account. I do not live in XXXX. I went to XXXX and they started a stop payment. In XX/XX/2021, while I was in the hospital, someone had stolen my credit cards, debit cards as well other banking information. This is how the {$1000.00} payment was illegally processed later on. The person who had stolen my identification and other personal checking information, at the hospital, caused my account to get destroyed. I asked the bank to give me a couple of days to set up a new checking account so that my credit card account would stay in good standing. I could, then, process a payment from a new checking account to American Express. They instead closed my account. Right now, I am gravely ill with hernias and I am severely depressed from some of the hate crimes that have been happening to me. They should not have closed the account, so rapidly, without letting me change the checking account while processing a new payment. I reported this to police and other agencies.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> Midland Credit Management , Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Cease and Desist Demand for Collection Activities Account Number : XXXX Dear Midland Credit Management , Inc, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter.

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone.

Written correspondence sent to my home or email address. 

Any form of communication with third parties, including my employer or family members, regarding this matter.

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue.

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above.

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law.

Thank you for your prompt attention to this matter. 

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

I am submitting a complaint against Equifax For their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S. Code 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S. Code 1681i ( a ) ).
Product: Debt collection

I am under a monthly payment contract with XXXX XXXX XXXX. I have enclosed a copy of the contract for your review. I have NEVER been late making payments under the terms and conditions of the contract, therefore I have not breached the contract. I have complied with the terms and conditions of the contract. The contract does not end until XX/XX/XXXX. XXXX XXXX XXXX BREACHED the contract by involving Harris & Harris. The contract states that " this contract is valid unless I cancel through written notice to the facility. '' I do not owe XXXX XXXX XXXX any money nor have I ever paid them any money nor I have ever received any notice stating that I owe XXXX XXXX XXXX any money. I want the fraudulent collection account posted to my credit reports on XX/XX/XXXX listed by Harris & Harris in the amount of {$6500.00} removed immediately from my credit reports with XXXX, XXXX and XXXX. I have also enclosed proof of payments made directly to XXXX XXXX XXXX under the terms of the contract. I would totally understand if I had broken the terms of the contract by failing to make timely payments or by not paying the full amount due by the end of the contract, however, I HAVE NOT! The monthly payments have been made by automatic deduction from my credit card account, I have the credit card statements for proof of payments made directly to XXXX XXXX XXXX. The original bill was {$19000.00}. I am happy to continue my monthly payments to XXXX XXXX XXXX under the terms and conditions of the payment contract and to make sure the full amount is paid off before my contract ends in XX/XX/XXXX. All I ask in return is to have the fraudulent collection account listed by Harris & Harris removed from my credit reports. I contacted XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX regarding the contract, she stated that she was not willing to resolve the issue and transferred me to the voice mail of XXXX ( account manager ). I left a voice mail with XXXX and as of XX/XX/XXXX she has not responded. I have already had a creditor take negative action due to the fraudulent collection account on my credit reports by reducing the credit limit on my XXXX XXXX credit card form {$17000.00} to {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a small XXXX loan out for my son in XXXX. The original loan from XXXX XXXX XXXX XXXX XXXX was sold to another company, XXXX in XX/XX/XXXX and came due in XX/XX/XXXX. 

I never received notification of the changes that a new lender was handling the loan or that the loan was due because the contact information of the new lender was screened out of my e-mail- The new XXXX being XXXX not XXXX XXXX. 

I have followed my credit rating score for 10 years on a monthly basis. I have had very good to excellent credit during this time frame. 

In XX/XX/XXXX there was a sudden HUGE drop on my credit score. I immediately pulled a full credit report and saw that XXXX had posted 90 days of delinquencies on my credit report. I immediately called them and explained that I had never received notification that the original loan had changed companies so was completely unaware the loan was due. My husband and I were following the original student loan summary from XXXX College 's financial aid office. 

In addition to this my son was in the process of joining XXXX, and seeking loan deferments from his student loans which we had received current contact information about. 

I explained the situation to XXXX, immediately paid the balance due and set up auto pay on-line. When I asked them to please recind the delinquencies, or forgive them given the circumstances they were completely unwilling to work with me. 

My credit is ESSENTIAL to my family and me because my husband recently became permanently XXXX due to an XXXX XXXX. I will provide any documentation needed. I work for a XXXX XXXX XXXX XXXX and a XXXX XXXX as a XXXX. 

I am requesting your help for recinding the delinquencies on my credit report. 
Any help you can give would be greatly appreciated.
Product: Vehicle loan or lease

Asked for a copy of my contract from vehicle, never came in mail, never received email copy, didn't receive the right to rescission, or the right to redress the contract a s well as 15 USC 1615 when dealing with unearned Interest
Product: Money transfer, virtual currency, or money service

Paypal has as of XX/XX/2020 started requiring the use of text or phone calls to access my account, without notice of this change. In doing so, it states that I would grant Paypal permission to call and text me for a variety of reasons. I will not grant them that access. I have never provided my phone number - it was pulled from a 3rd party transaction. Since I can not access my account, I have no way to track or manage a {$25.00} pending credit. The credit should be provided in " 5 to 7 business days ''. 

XX/XX/2020 was the 5th business day. Paypal refused to process the credit or provide any explanation for requiring 7 business days. I spent 5 hours on the phone attempting to resolve this issue. I was hung up on once. I spent at least three quarters of that time on hold. I spoke to 4 different individuals from CSR to Manager and I had to re-explain the entire situation to every one of them. They refused to provide a direct callback number so I could follow up on the 7th day. So I can waste another 5 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I have submitted disputes to each credit bureau for these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX access I did not open these accounts and i just realized their on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently was looking at my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.
Product: Debt collection

When I checked my Credit report I noticed there were multiple unauthorized accounts that I were unaware of and that impact my credit negatively. Also due to 15 U.S Code 1681b which states that no credit reporting agency can furnish anything to your credit profile without any written signature from the consumer to whom it relates too. In which I have asked for this proof from these agencies multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXXXXXX XXXX is currently in XXXX. The account is still showing on the credit report. The account needs to be removed until the case is settled.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Balance Owed : {$31000.00} XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00}