23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

As I called to file the dispute with Bank Of America in mid. XX/XX/2018 about my XXXX XXXX transaction. My dispute is that I prepaid XXXX XXXX for service that I have not received. 
I stated on my dispute : in order to receive the service, I must attend one of the mastermind events in XXXX XXXX or XXXX. So I scheduled to go to XXXX XXXX from XX/XX/XXXX to XX/XX/2018 for XXXX and XXXX XXXX including with my XXXX XXXX XXXX. However, XXXX has been brought to court by the FTC on XX/XX/2018 and by law, no communication at all with XXXX during the court time. 
I submitted the documents of FTC and my confirmed schedule to go to XXXX XXXX together with my booking plane to go to XXXX XXXX from XX/XX/XXXX to XX/XX/2018 for my services. 
When I got the denied letter of BOA, I called BOA to ask the reason for the denying. XXXX, BOA agent, told me : that time of the event is not coming yet and it might happen in the future day from XX/XX/XXXX to XX/XX/XXXX as I scheduled to go for the mastermind and coaching, so my dispute has to wait for that time coming. And if the events are not happened, I must call to request to reopen my dispute case. 
The Judge move the TRO ( Temporary Restraining Order ) to XX/XX/XXXX, so I wrote a letter to BOA to ask to reopen my dispute. At BOA location, I faxed my letter and the XX/XX/XXXX TRO to BOA to ask to reopen my dispute. To make sure, I called BOA before and after XX/XX/XXXX to ask to reopen my dispute, they told me to write a letter to explain why I want to dispute with information to support the dispute to BOA. One of my call in XXXX, the BOA agent told me that he reopened my dispute and I have to write a letter to explain my dispute with this Claim ID : XXXX. Therefore, I wrote my letter on XX/XX/XXXX to fax. 
My fax on XX/XX/2018 includes invoice, confirmation for masterminds, airplane ticket, airplane cancelation, and few first pages of TRO on XX/XX/XXXX and XX/XX/2018. 
However, BOA balance is not halt ; BOA states my minimum paying and the due date. It means that he did not reopen my dispute case. In addition of confusing, I saw a different claim ID : I checked my dispute in BOA message center, I saw a different claim ID. I change the claim ID and faxed it again with Claim ID : XXXX on XX/XX/XXXX letter. On the last call, BOA agent told me that he couldnt reopen my dispute without reason : he told me that he cant open it permanently. 
I dont remember how many calls I make with Bank Of America. The call were about to reopen my dispute, and at the last call, I ask an agent and he told me that I did call on those date : XX/XX/XXXX and XX/XX/2018 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 Bank Of America keeps changing the claim IDs, so the dispute has been confused. 
Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018
Product: Student loan

The student loan, which I am a cosigner, is managed by Navient. When ever my nephew gets 1 month behind, which he has never been later than this, Navient calls our home 5 to 7 times a day. These repetitive calls happens each and every day till the past due balance is paid.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate personal information in my records, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 and 609. The following names and addresses have been inaccurately listed in my records : **Inaccurate Names : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct and accurate information is as follows : **Accurate Name : ** - XXXX XXXX XXXX XXXX Address : ** - XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Under Section 611 of the FCRA, I have the right to dispute inaccurate information in my credit report, and the credit reporting agency is required to investigate the items in question. Furthermore, Section 609 entitles me to request and obtain all the information in my credit file.

I request that you update my records to reflect this accurate information. This correction is essential to ensure the accuracy of my personal records and to prevent any potential issues related to misinformation.

Please confirm receipt of this request and inform me when the corrections have been made. Should you require any further information or documentation from me to process this request, please do not hesitate to contact me.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with 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 ; I did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : WILLIAMS AND FUDGE Account No. 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.
Product: Student loan

On XX/XX/XXXX, I submitted a payment voucher from my XXXX XXXX XXXX award in the amount of {$460.00}. As per the process concerning these types of payments, XXXX then submitted a request for verification of my account, which was received by XXXX  on either XX/XX/XXXX, orXX/XX/XXXX. XXXX   then verified to XXXX my account with them. OnXX/XX/XXXX, payment in the above amount was submitted via first class mail to XXXX This payment was received onXX/XX/XXXX.

In the subsequent weeks, this payment has not been applied or credited to my account. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I called XXXX to inquire as to what I should do, since my account was showing a past due balance. I was informed each time not to worry, and that no subsequent payment would have to be made since the payment, when processed would be back dated toXX/XX/XXXX I was assured by each representative that I spoke with, including one supervisor, that this payment would count toward as a qualifying payment under the terms of my student loan forgiveness program. Under the direction of XXXX  and its representatives, I have not made another payment for XX/XX/XXXX, even though my account now states that I am fourteen ( 14 ) days past due, and at risk of not having made a qualifying payment for XX/XX/XXXX.

I am beyond frustrated. I am concerned, angered, and demand that the payment I made, be credited to my account. I do not understand how XXXX  can take this long to process a payment. In waiting, I have been caused a great amount of emotional and mental fatigue. This payment is constantly on my mind, and has caused me to lose weight, sleep, and is beginning to severely effect my physical health. I demand that this payment be credited to my account, and that XXXX   apologize for this indefensible delay,.
Product: Credit card or prepaid card

on XX/XX/XXXX I made a promotional purchase on Macys.com in the amount of {$810.00} - a 12-month special event, paying no interest for 12 months with an expiration date of XX/XX/XXXX. On XX/XX/XXXX I called Macy 's CC, spoke with the agent named XXXX, and paid {$300.00} towards {$810.00} ( ref # XXXX ), leaving {$510.00} as a balance. The {$300.00} payment was applied towards a promotional charge during the same billing cycle. On XX/XX/XXXX I called Macys.com CC, spoke with an agent named XXXX, and paid the remaining balance of {$510.00} towards the promotional charges to close it out ( ref # XXXX ). I also told the agent that since I am making a payment before my due date, I will make another payment in the same billing cycle. I did make a separate monthly payment in the amount of {$180.00} two weeks later before my due date on XX/XX/XXXX. I was assured that my payments will be allocated as I requested. Today, XX/XX/XXXX, I reviewed the XXXX statement and saw that the payment of {$510.00} was not applied toward the promotional charges but applied toward regular charges, leaving the promotional charges still occurring as the interest ( deferred {$230.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX  and XXXX. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that Experian is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing XXXX accounts, on the summary page of my credit report, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable. 


Under the NOTES section of my credit report, XXXX added derogatory notations about my address for which I never gave them permission to do add. They have damaged my credit report with reporting XXXX accounts as LATE PAYMENT AND they furthered added insult to injury by reporting my address, that I have used for over 7 years, as a " high risk '' address. '' I do not understand WHY this company feels so free to report ANYTHING on my account without fear of repercussions. These blatant VIOLATIONS MUST STOP.
Product: Debt collection

My name is XXXX XXXX , a federally Protected consumer, and I am making this complaint against EQUIFAX. for committing identity theft. I never gave EQUIFAX. any permission to use any of my identifying information to comment fraud by FURNASHING FRAUDULENT ACCOUNTS about an alleged debt they claim I owe. I am legally refusing this debt pursuant to 15 USC 1692c ( 2 ). i am demanding a cease and desist of all illegal activity, any communication and collection activity and furnishing this and any alleged debt from XXXX XXXX. Can you provide me with sufficient documentary evidence that I owe any legal obligation to pay them. if this documentary evidence can not be produced by EQUIFAX. And continues its furnishing efforts on my consumer report, I will file for actual charges caused BY EQUIFAX. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And violation of privacy 15 USC 1681 ( a ) ( 4 ) upon the receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the Credit is yet to respond to my letters. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX {$280.00}
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2400.00}
Product: Money transfer, virtual currency, or money service

I have {$25000.00} in my Coinbase account. Someone hacked it and changed the email address. Coinbase doesnt have a phone number you can call. You can only email them. And since the scammers changed my email Coinbase wont exchange conversations with me because Im not emailing from the email address associated with the account. Im livid!
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my report and noticed that the consumer reporting agency has violated the FCRA. They have deleted a fraudulent account more than XXXX  times but then they keep putting it back on my report. I have already provided a copy of my FTC complaint along with screenshots of the accounts being deleted and added right back without ever being verified or validated. In your response to my previous dispute you stated in writing that you verified the accounts belong to me. How? who did you speak with, that have first hand knowledge regarding the accounts in question. In fact I do not have any documents from you nor the data furnisher that can prove that these accounts belong to me. XXXX  - XXXX 15 USC 1681i ( a ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I have never received any documents explaining to me why you are adding that account back. Lastly XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX these are more fraudulent accounts that are still furnished on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit bureaus and they stated they could not have them removed even though I told them they are not mine and there was no verifiable information linking me to the credit inquiries.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), which mandates credit reporting agencies ( CRAs ) to block and delete fraudulent information caused by identity theft when appropriately notified. 

I Have been victim of a data breach, such as the XXXX Data Breach, also XXXX Data breech however the date expired where I can apply for the claim, but as I entered my information it was stated my information has been obtained during the databreech where my sensitive personal information was exposed.

I Discovered unauthorized and fraudulent accounts on my credit report such as Capital one, and XXXX XXXX  accounts I Seek to remove these fraudulent accounts quickly and permanently under my right as a consumer.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, remove the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$990.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX  XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX2023 XXXX  XX/XX/year>2023 XXXX XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX/2023XX/XX/year> XXXX XXXX XXXX/XXXX/2023 XXXX  XXXX XXXX/2023XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank claims I had a card XXXX. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a method of verification request to LexisNexis on XX/XX/2019. On XX/XX/2019, LexisNexis informed me that I would receive my method of verification into my erroneous bankruptcy information that they are reporting within 7-10 days. LexisNexis admitted to illegally using my social security number without my authorization to obtain certain information. LexisNexis has also claimed that certain divisions of their company are not considered actual CRAs. Please see the details listed below. 

1. The FCRA only allows 5 days for this request. LexisNexis is therefore in violation of federal law. Reference : FCRA 611 ( a ) ( 6 ) and ( 7 ) 2. The request still has not been fulfilled as of 08/15/2019. LexisNexis is once again in violation of federal law. Reference : FCRA 611 ( a ) ( 6 ) and ( 7 ) 3. In a previous correspondence with the CFPB and myself, LexisNexis admitted to using my whole social security number to allegedly access files about me in the PACER system. LexisNexis gave a vague description of where they obtained my social security number and furthermore, was never given my permission to use my social security number as I had no business or contract with LexisNexis. This is also in violation of federal identity theft laws. 

4. LexisNexis has stated in the previous CFPB complaint reply that their division that gathers public records is not a CRA, and therefore is not subject to the FCRA laws. 

Please reference the following ( specifically section ( p ) ( 1 ) : 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( f ) The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

( g ) The term " file, '' when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.

And take a look at this one closely, how and the XXXX can they tell you they are not a CRA, it says they are right here.

( p ) Consumer reporting agency that compiles and maintains files on consumers on a nationwide basis. The term " consumer reporting agency that compiles and maintains files on consumers on a nationwide basis '' means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.

( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know what kind of games this collection agency is trying to play. I requested a signed credit agreement and I did not receive that. XXXX  sent me copies of some statements and the statements were not the originals but nonetheless I requested THE SIGNED CREDIT AGREEMENT BEARING MY SIGNATURE. XXXX  closed the accounts but did not remove the accounts. The accounts need to be removed NOW! The accounts are fraudulent! No one has provided me with nothing with my signature. I have requested this information numerous times. I have seeked legal representation a consumer attorney for legal advice. If this goes to court XXXX  will have to show a signed agreement with my signature and a host of other paperwork. I also need details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I emailed XXXX  on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I can prove that XXXX  responded that they received my emails but did not send the information that I requested. REMOVE IMMEDIATELY the three accounts on all 3 credit reports. This is not a duplicate complaint. Please do not send me a email stating this complaint is closed due to it being a duplicate. This is not a duplicate!