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

Received a statement in mail indicating XXXX XXXX XXXX XXXX XXXX is trying to collect a debt that is not mine. In checking my credit file I found that they have reported it as a collection and has caused my credit score to go down drastically. The statement is dated XX/XX/2023 and states the original creditor is Advance America. The current creditor is XXXX XXXX XXXX Client Account Number is XXXX Reference # is XXXX Pin # XXXX Balance Due is {$220.00} Discount offer is {$160.00}. When I phoned XXXX XXXX XXXX XXXX on XX/XX/2023 I spoke to XXXX XXXX at XXXXXXXX XXXX for 7 minutes. He indicated that he was unable to send me the documents that pertain to this collection since I was not willing to give him my Social Security Number and Date of Birth. I gave him all the information on the statement received and told he should be be able to pull up the information from that and send me the information for me to turn over to the proper authorities for prosecution. I asked for the contract for the pay advance loan, the payroll check used for this, the place the transaction took place and the account the funds went into. I informed him this is a fraudulent account and I at no time had obtained a pay advance loan and did not receive any money. When I asked to speak to supervisor, he stated there was not a supervisor there and I would have to call back the next day. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report account number XXXX in the amount of {$220.00}. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If they are unable to verify the account with the original contract, the information should be removed from my credit report immediately.
Product: Debt collection

This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting

An account listed under XXXX is being reported on my credit report.The Account is not mine.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Student loan

I was solicited by equitable acceptance inabout 2017 to let them assist me in putting my federal student loans into a deferment plan. Which they did and I have been paying them $ XXXX  month to pay off the total amount charged for the service. Today i received a letter from the US department of Education that states since I am a XXXX veteran I qualify for a XXXX XXXX XXXXXXXX XXXX discharge of my federal student loans. Upon calling the US dept of education and explaining to them the specifics about the current student loan consolidation program that i am currently in, the US Department of Education suggested that I file a complaint with you to determine if my equitable acceptance can even legally charge me when the actual filing of the paperwork is free. The company that I pay the $ XXXX  monthly to is Equatable Acceptance. Can you please look into this for me? Thank you
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For several weeks, I have repeatedly asked Equifax XXXX XXXX XXXX XXXX, XXXX and XXXX to objectively resolve my credit issues relative to hard inquiries which shouldve been reported as promotional or soft inquiries. I have also reached out to the respected companies but of to no avail. I have only authorized soft/promotional inquiries and the unduly hard inquiries constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please coordinate with the companies to REMOVE/DELETE these inquiries from my credit file as I have not signed any applications for credit. I have also asked in addition of their investigation to please send me the nature in how they conducted the investigation to determine and prove the validity of these inquiries. 
Inquiries are a factual record of file access, and it is the credit bureaus that are reporting these unverifiable requests for my credit. I have been instructed to work with XXXX XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX, that will also assist with this process if the inquiries are not promptly removed. I fully understand that my rights, according to the [ 15 U.S. Code 1681b ] 604, were violated and that these inquiries need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX & XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

STOP VIOLATING THE FDCPA USC 1692D ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.
Product: Credit card

I had to close this account. First Citibank  said they were sending me a new card after fraud and putting hold on my Credit Card number, they never did. And Second, they are still not honoring this dispute : Some company called : XXXX XXXX about {$190.00}
Product: Credit card

In XXXX 2016, I applied for a State Farm credit card that had 0 interest for the first 12 months. I was approved for a credit card with a XXXX limit. However, the card they sent me was actually had interest that was charged. I discovered this when I was a half hour late paying my bill because the on-line system did n't work for me. I had tried the previous month to pay my bill on-line, but there were issues with their website. I was told it was a browser issue on my end. I use XXXX and XXXX XXXX, the most popular browser with the most up to date version of XXXX. I called and paid my bill, but missed the XXXX eastern time deadline. I called and talked to customer service and said I was concerned that my 0 interest would be affected. I was told that no, there would be no affect. When I got my bill, it showed interest was being charged, and not just for that month, but all the way back to the start of the card. I transferred my balance to a new card and when I called State Farm to tell them to cancel the card and why, I told them I was upset because I was being charged interest for being all of 30 minutes late paying the bill, partly because their system was messed up. I was then told that the card was never a 0 % rate. There was a 0 % on balance transfers, but not on the card itself. I went back and looked at my original information that came with the card and sure enough, the card they sent me had interest charged. I know for a fact that I applied for a 0 % interest card for the first 12 months. What I applied for, and was approved for, was a 0 % interest for 12 months. This is not what they sent me or set my account up for. I should have been more observant.
Product: Credit card or prepaid card

Bank of America Business Credit Card {$170.00} charge by XXXX ( this was a recurring charge ), I reported and disputed within a few days charge appeared on my credit card. ( XX/XX/XXXX ). I called XXXX, they said, they can not remove the charge even if it was a few day after it appeared on the account. And I called the bank placed a dispute cancelled the credit card. The bank did not notify anything afterwards, i thought this was resolved. 

Recently, Bank of America sent me a letter indicating they withdrawed {$360.00} ( XX/XX/XXXX ) as a setoff from my personal account and reported to credit reporting agencies. 

I called the bank ; The bank claims dispute was denied and they sent me a letter ( I have never received ) I do not have a mail problem, I have stayed in this house for 5 years. 

I could have paid this amount if I have known the dispute was denied. They said they can not do anything at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my credit files frozen at all 3 credit bureaus for many years now. On XX/XX/22 XXXX XXXX accessed my credit report without my consent while my credit files were frozen. I have never had any relationship with XXXX XXXX ( no accounts, applications, etc. ) so my credit report should have never been accessed by this company. This is clearly fraudulent. XXXX XXXX should have never tried to access my credit file, and TransUnion should have never allowed it to be accessed. I have a freeze in place to protect from identity theft and unauthorized access, such as in this situation. This is a serious security breach that I expect to be thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : Account # XXXX for the ammount of {$1400.00}, XXXX  XXXX : account number XXXX for the ammount of {$760.00}, XXXX XXXX XXXX : account number XXXX, XXXX  XXXX  : account number XXXX for the ammount of {$2500.00}, XXXX XXXX account number XXXX IN THE AMOUNT OF {$1400.00} I Certified Mail Documents to each individual company informing the entity of my invoking Common Law Rights. Also, the Law pertaining to the Fraud of doubble dipping against the fictious entity bu use of the asociated Social Security Number that was set up ans assigned for ofial use by me the Authorized Representative. The above Cincorporated Entities have and are sill exploiting my name are committing against my Fictitious entity name. I am the only Authorized Representative with the proper claim to the entity/ ficticius I also constructed an official Afiidavid of All Accounts are Prepaid. According to The Post Master 's General Rule or also known as the Mail Box Rule The Companies, the Corporations have accepted the binding Contract I sent to each. I am an Americal National only under the Authority of XXXX itself. I am Sovereign, Free, and can not be forced into a fictitious and fraudulent agreement with a dead entity. One I am not a part of in legal ties.
Product: Credit reporting

I had home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XX/XX/XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX XXXXthe mortgage account # XXXX for the property located at XXXX XXXX XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX. 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both accounts Balance were XXXX as of XX/XX/XXXX at the time of sale. 
Please correct this inaccurate informationI did submit to you the HUD and Pay off proof dated XX/XX/XXXX
Product: Credit card or prepaid card

I applied for a XXXX XXXX credit card through Synchrony Bank for {$35000.00} and was charged {$33000.00} for " project management and labor '' that a XXXX 's employee signed on my behalf without my authorization. I have a copy of the receipt. XXXX 's executive team has been contacted numerous times over the past four months requesting an accounting for the charge despite the fact that their employee 's may have violated the Fair Credit Reporting Act, The Equal Credit Opportunity Act, the Fair Debt Collection Practices Act and Electronic Fund Transfer Act. I am prepared to provide evidence of the this claim to CFPB, the FDIC and the Federal Reserve Bank. I have reported this claim to Synchrony Bank and XXXX 's as well as the three major credit bureaus. I am requesting all interest charges for the referenced account be reversed and credit to my account as well as all principal paid until the dispute is resolved. Going forward I will play all monthly payment in an escrow account until the dispute is resolved.
Product: Debt collection

Regarding XXXX CS Number XXXX Previously, I contacted XXXX to verify the return of the company 's equipment. 
I am disputing the total amount of {$330.00} debt or any portion requested by First National Collection Bureau , Inc., XXXX XXXX XXXX, XXXX, XXXX XXXX and contact number XXXX. I returned all equipment on XXXX XXXX, 2015, to a XXXX Installation Technician. The Technician was installing cable network for my niece XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. The Technician informed me that he would turn in the equipment promptly. Therefore, I trusted the Technician ethical and moral since XXXX hirer responsible employees for providing excellent customer service. 
Therefore, I should n't be charged or harassed for funds on my account.
Product: Money transfer, virtual currency, or money service

I paid for the product and shipping/handling charges through MONEYGRAM. I was told that " Customs " was charging an additional XXXX US dollars to send the package. I asked the seller for a refund as our contract does not include any fee for CUSTOMS. The seller never sent or delivered my package. I paid XXXX USD for the product and another XXXX USD for fraudulent Customs charges!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Lexis Nexis Risk Solutions Attention : Consumer Reporting Division XXXX XXXX XXXX XXXX, GA XXXX Subject : Inquiry Regarding Bankruptcy Listing on Credit Report Dear Sir/Madam , I am writing to formally request clarification regarding the bankruptcy listing on my credit report that appears under your name. According to the information available, this bankruptcy entry was reported by Lexis Nexis, but I am unable to determine how this information was obtained. My understanding is that bankruptcy filings are not directly reported to consumer reporting agencies by the courts. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to ensure that information reported is accurate and complete. Additionally, 15 U.S. Code 1681c ( a ) ( 1 ) limits how long bankruptcy information can be reported. However, it is my understanding that bankruptcy filings are not reported directly by courts to consumer reporting agencies unless the agency has a permissible purpose to access such information, as outlined in 15 U.S. Code 1681b. 

Accounts in question : Bankruptcy XXXX XXXXXXXX : XXXX & XXXX If Lexis Nexis has obtained and reported my bankruptcy information without a permissible purpose, this would constitute a violation of the FCRA. Specifically, under 15 U.S. Code 1681b, a consumer reporting agency must have a permissible purpose to obtain information for inclusion on a credit report. Failure to comply with these legal requirements would be considered a violation of the FCRA.

Therefore, I respectfully request that you provide the following information : The specific source of the bankruptcy information listed on my credit report. 
The date and method by which Lexis Nexis obtained this information. 
Evidence that you had a permissible purpose for obtaining and reporting this bankruptcy information. 
If you have obtained this information without a permissible purpose, this would constitute a violation of the FCRA, and I request that you immediately remove this entry from my credit report. 

Please respond within 30 days as required by law, or I will be forced to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. 

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

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card

On XX/XX/2024 XXXX XXXX, ran by TD Bank sent out an email stating their website was updating. Td Bank changed my account number without consent. Because of this, my account number changed and I am unable to make purchases on XXXX. On XX/XX/2024 I started calling both XXXX Customer Service and TD Bank ( XXXX XXXX ) for assistance. Both companies told me they can not assist me. TD Banke does not have access to thr XXXX website to make updates and XXXX said they can not control the finance side. 

XXXX said that all new customers can only use XXXX for financing, however, existing TD Bank ( XXXX XXXX ) customers can still use TD Bank. But when the account number changed with TD Bank, it did not update on the XXXX website. 

TD Bank has a 1 hour hold time over the phone and XXXX transfers my call to e-commerce, accounts, and even XXXX XXXX and no one is able to help me. The reps told me it would take 3 business days for an update. I tried calling and no one seems to my reference number XXXX. My account number was changed without consent and does not match the XXXX website. When I try to inquire about getting help no one from XXXX or TD Bank can help me even though those companies changed my account number without consent.