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

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and XXXX reporting the monthly payment as {$260.00} a month but Experian {$320.00}? Which one is it? Is it {$260.00} or {$320.00} a month Why are there XXXX different balances being reported? XXXX XXXX is reporting a balance of {>= $1,000,000}, XXXX is reporting a balance of {$12000.00} and Experian is reporting a balance of {$12000.00}. What is the balance of this account? 
Why is the payment history reporting inaccurately? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, Experian is saying I'm 90 days late and XXXX is reporting I'm on time. How can I be late and on time for the same month? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, Experian is saying I'm 120 days late and XXXX is reporting me as on time. Which one is it? Was I late or on time? 
This account is reporting completely inaccurate.
Product: Student loan

The current holder of the student loan provided a XXXX for XX/XX/2016 that showed XXXX interest paid. I calculated the interest from their website and paid {$1000.00} in interest, which their representative acknowledged. When I contacted the lender they advised that they had over-reported my previous tax years interest payments, so they were making an adjustment this year ; therefore, they will not report the XX/XX/2016 interest paid. If their records show I paid more in interest, that means I paid less in premiums so my loan is not being paid down as it should. Two problems : 1 ) I do not get credit for interest paid in XX/XX/2016, and 2 ) by the lender applying a larger percentage of my monthly payments to interest, I am not getting full credit for paying the premium,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I put a credit freeze with all the credit bureaus due to a an identity theft incident. About a month later I lift the freeze from XXXX  and XXXX. But until now I wasn't able to take off the lift from Experian. I tried online and they didn't let me, so I send them a mail with everything they requested and still they didn't lift it. There is no way to speak with a live person there, and they don't give any indication or explanation for why they don't take off the lift. In the meantime because of this freeze I can't get order a new credit card and can't do anything else that require a credit report, like buying a house, which I started the process to.

Thanks for your help.
Product: Debt collection

I am being harassed by phone calls, letters this creditor who has not validated this debt says I supposedly owe. I never signed any promissory notes with merchant and medical. I have sent certified mail to them requesting they validate the money I supposedly owe. And to stop reporting this information to credit beureas until it has been validated.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally dispute information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically Section 609.

Upon reviewing my credit report, I discovered the following accounts, which I believe to be inaccurate and not mine : XXXX XXXX XXXX XXXX XXXX XXXX Account Remove me from any authorized user accounts These accounts are not mine, and I am requesting that you provide me with a detailed validation of these accounts, including all documents that were used to verify the accuracy of this information, such as signed agreements or contracts. I understand that you are required to investigate this matter and, if these accounts can not be verified, they must be removed from my credit report. 

XXXX : XX/XX/year> LAST 4 SSN : XXXX Please remove these accounts if you can not provide sufficient evidence that they belong to me. I request that the results of your investigation be sent to me in writing at the above address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Product: Credit reporting or other personal consumer reports

XXXX didn't freeze my account when asked. There was fraud on several of my accounts. I let them know this. They kept sending me a new card..charging me late fees and causing my credit score to plummet. This has been happening since last XXXX or XXXX. Lats thing in XXXX! I have been calling and writing for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit has reported on my credit, violated do not call notices which have been faxed and mailed. I have requested and never received anything in writing to validate this debt to include full accounting of balances, payments and authorization to collect. I have sent letters certified mail to no avail. I have contacted the company, disputed with the collection reporting agencies and received nothing back except a note on my credit report stated validated within in FDCPA. Why has no contact been made as requested. My do not contact was specific to phone calls as the calls were incessant even after my letters and faxes.
Product: Money transfer, virtual currency, or money service

XX/XX/ initiated a transfer from BMO XXXX  Online Banking in the amount of XXXX XXXX to an external account. Website says the transfer will take 1 business day for approval. Called XX/XX/ to follow up as I did not get any confirmation or rejection email nor did it show up as a pending transaction on my online savings account page. Their website shows it may take 2-3 business days total but they did see a pending transaction on their end to underwriting. Fast forward to XXXX  called back yet again to find out what was going on with the transfer and the rep said they didn't see any pending transfers, thus concluding they either rejected it or it was never processed correctly. Reinitiated a new transfer and told to wait 24 hours to check pending status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave transunion any written consent to report anything on my consumer report. No consent is identity Theft. This is a direct violation of Federal Law! 
Transunion credit reporting agency is reporting 8 collection accounts and never produced a written consent from me the consumer!
Product: Checking or savings account

I complained to Citibank about XXXX XXXX charging unauthorized charges specifically. I complained to Citibank. I am honestly sick and tired of free trials that turn out to be scams. I told Citibank that I was removing my card number from XXXX XXXX. I honestly don't know how XXXX got a hold of my new debit card number but I suspect when I went to pay for something XXXX XXXX captured and stored this information. I am XXXX. I live on a pension. Citibank made my checking account disappear and did something I don't know what to my debit card. When I called Citibank it has already been an hour and a half while they shuffled me around departments. I pay a {XXXX} checking card fee a month. I have direct deposit for my retirement funds. Citibank seems only to have customer service in the XXXX and it appears that citibank loves to pick on and discriminate against XXXX old women. They did all of this without telling me. I am really really upset. I am tired of banks being bullies. I took my account number off XXXXXXXX XXXX. I think something has to be done about the greediness of the tech companies. For some reason Citibank gave priority to paying XXXX. I have been on the phone to someone in the XXXX for 1 hour and 40 minutes. I never agreed to paying XXXX. I think that is a waste of money quite honestly. I did everything I was supposed to do on my end. I feel that Citibank is punishing and retaliating against me. They did not notify me. Honestly I am sick and tired of Banks and their lousy customer service. I lost two people in my family over Covid Something I think Banks with their extremely short memories seem to have forgotten.
Product: Debt collection

I sent a validation letter to Financial Recovery Services Inc., asking them to validate the debt that they are claiming that I owe to them, I dont know who these people are, I have never done business with this company before, I do not have a signed contract with this company that says that I agreed to pay them anything. The response that I got from this collection company is 4 copies of a card statement and on 2 of the statements, the due dates are 2 different due dates on the same month, copies of statements of an account, do not prove that this debt belongs to me, I asked this company to provide me with all of the information that I asked them for and they just decided not to, the FCRA is clear when it states that I have a right to dispute this debt and that is what Im doing. I want this company to provide me with the signed contract that says that I have to pay them the amount that they are asking for, if they dont have the contract, I want them to stop asking me to pay them money that I do not owe to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tele Recovery Of Louisiana updated my credit report on XX/XX/2021as being delinquent in the amount of {$380.00}. I've reached out to them XX/XX/2021 seeking providing details of such adequate services so I can identify if mines and address this issue yet they still haven't provided such information. I need assistance with this matter because this falsely reporting have impacted me financially.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge off account that was illegally reported on my credit report from the creditor. Despite my previous requests, I have not received the following documentation : Proof of Debt Ownership A copy of the original signed contract or agreement establishing the debt between your company and myself. Documentation evidencing the transfer or assignment of the debt to your organization, if applicable.

Itemized Account Statement : A detailed statement outlining the original principal amount, all interest charges, fees, payments made, and the current outstanding balance. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I request evidence of a minimum of XXXX such contact attempts made by your company regarding this debt. 

Compliance with Notification Requirements : Evidence that your company provided the requisite disclosures in accordance with the Truth in Lending Act ( TILA ), as outlined in 15 U.S.C. 1601 et seq. Proof that your company issued the necessary notices prior to reporting any negative information to credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 7 ).

According to the FCRA, creditors are required to notify consumers either prior to or within 30 days after furnishing negative information to credit bureaus. I have not received any such notifications. Additionally, I understand that creditors must provide consumers with a warning and an opportunity to settle the debt by mail before reporting negative information. I have not been given this opportunity, nor have I received any contact attempts regarding this debt.
Product: Credit card or prepaid card

Bank of America is the XXXX! 

Last month when I checked my credit card expenses I looked for the interest rate. I thought it would be on the front page with the other information but it is not. I had to look for it and then I had to wait on hold for over 45 minutes to get someone to tell me where is my my APR on my Bank of America cash rewards card can be found on my online credit card page. It was hidden on the last page. The level of APR was 19.24 % I was rather shocked at that huge whopping number. I have never missed a payment or paid late ever, so how could the APR be so high? It was at 16.99 %. I never charged over {$700.00} on the card. 
When I got paid this month XX/XX/2019 I promptly paid {$160.00} towards my credit card debt, which it is at least 3 x the basic amount. They have not listed it as paid and now it is XX/XX/2019. I used my online banking to pay the bill and normally it would have been submitted the same day within a few hours. I have a feeling that some immature bank employees are messing with my banking to fraudently mess with my credit score. Yes BofA has employees like that. I took pictures of my account and when it was paid with my phone and I printed them out and I have a hard copy of when I paid that account and my XXXX XXXX XXXX gas bill.
Product: Debt collection

In 2017, XXXX  leaked the personal data of over XXXX XXXX Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account. I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to be and I have never done business with you.
Product: Credit reporting or other personal consumer reports

As per privacy laws for me the comsumer I asked to opt out of sharing my information to a 3rd party which includes XXXX, XXXX, XXXX and other credit reporting agencies. I sent my request to Affirm on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and Affirm is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of 1974. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.
Product: Checking or savings account

I had for XXXX  years XXXX bank accounts with Bank Of America. 
XXXX checkings and XXXX savings. 
My account were hacked using the XXXX XXXX which have my bank debit card id. 

On XX/XX/XXXX of XXXX the following non authorize transactions were removed by XXXX XXXX {$4900.00} {$1900.00} {$7500.00} from XXXX checking account. 

Also {$7500.00} from a second checking account. 

I immediately notified the bank and they closed all XXXX accounts. stop my debit card and re-issued me XXXX new accounts. XXXX checkings and a new savings account. they told me they will start an investigation. to follow the money?. After I waited patiently for a determination I was told today my claim was denied. Over the phone, not by mail. Bank of America refused to provide me with provisionary credit until the claim was under investigation. I feel now like a criminal instead of a victim of fraud and I feel the bank is mistreating me after XXXX XXXXears of services, maybe because I am a woman, a XXXX, and a senior. I want a further investigation and find out where my money is.
Product: Money transfer, virtual currency, or money service

PNC no longer allows XXXX  to access account information so as to perform financial transactions. As an example I was trying to link my XXXX  account with PNC and was unable to. This is because PNC is not allowing XXXX  access so as to link both accounts. Of course XXXX  is trying to perform this account link with my permission. Because of this I am unable to find my investment account which is through XXXX. Date of this transaction is XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I am receiving numerous robocalls from various numbers. When I answer, the call ends. I have called back several numbers, and they appear to be XXXX. I have asked them to cease, but they continue.
Product: Debt collection

XXXX XXXX XXXX, gave me a call saying she is a court mediator XXXX fraud cases filed against me in XXXX County the county in which I live. 
Advisor I 'm not familiar with this debt and believe it may have been fraudulently done by my ex had access to my bank account but I do not know that for sure and to send me information and verification of debt as I 've asked many times from the same company, I 've been dealing with this company for a year and have still yet to get any verification of debt. 
She said if I did not pay the settlement amount of {$160.00} today I would be served within 72 hours and if it was my ex has filed it that 's not that I am still the financial person on there and need to pay this debt today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB to get validation for XXXX XXXX. The company stated that they were unable to validate my account. see attachment
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and SSN Card.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, fraudulent XXXX, XXXX XXXX, and inquires are now on my credit reports, please remove.
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE ERRONIOUS AND UNKNOWN ACCOUNTS REPORTING TO MY CONSUMER REPORT ITS BEEN OVER 30 DAYS AGO SINCE MY DISPUTE HAS BEEN SENT, THESE ACCOUNTS ARE IN ERROR WHICH MEANS THERE CLEARLY BREAKING CONSUMER LAW, XXXXXXXX XXXX XXXX DATE OF LAST ACTIVE XXXX SHOWS XX/XX/XXXX TRANSUNION SHOWS XX/XX/XXXX XXXX XXXX XX/XX/XXXX IN ADDITION, THE HIGH CREDIT IS INACCURATE AS WELL, TRANSUNION XXXX XXXX XXXX SHOWS XXXX XXXX SHOWS XXXX ANOTHER CLEAR VIOLATION OF THE FRCA 15 US CODE 1681c- ( a ) ( 4 ) clearly says a cra can not report such accounts and that its to be excluded. 


XXXXXXXX XXXX XXXX OF LAST ACTIVE XXXX SHOWS XX/XX/XXXX XXXX SHOWS XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX