23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

The purpose of this complaint was to bring to your attention the fact that Bank of America has been behaving inappropriately toward me as their customer. It was made clear that I was the victim of fraud, which resulted in me losing a large amount of my hard earned savings in the amount of XXXXXXXX XXXX 

The main reason I continue to insist on due process in my case is because I understand that Bank of America has not and is not taking adequate steps to protect its customers from financial loss and to recover their losses. The only thing they do in fraud cases is to deliberately exploit a gap in current regulations in order not to admit their mistakes and negligence, which cost their customers a lot of money.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : Account number:XXXX Your NAME : XXXX XXXX Your XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to thiS matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX the are reporting on all of the CRA 's that I was once late. I have never been late. Please have them provide solid proof or remove it from all 3. 
Worst payment status 30-59 Days Late Times 30/60/90 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

i have been with FDR since XX/XX/2022. Since then they have collected {$4300.00} which i belive was mismanaged. i had active XXXX settlements but when i called to change my withdrawl date to align with my pay date my settlements were cancelled. i called and spoke with a supervisor and was advised they would pull the call and if the rep didnt advise that my settlements would be cancelled, everything would be reinstated. i havent heard back from this supervisor ( that communicated thru XXXX XXXX ). i called again and spoke with XXXX whom asked for her to lookinto this and never got back to me. I called again and spoke with XXXX XXXX whom was going to look into this. She did get back to me and had one account reinstated. When i looked into how much money was taken and questioned the fees, she advised there was an error and would fix it. i also asked for an itemized statement to which went unanswered. This process was over a months time. i now called to cancel the program as not one supervisor has followed up. i was advised upon termination that they would take out their additional funds and refund the balance which looks lik {$95.00}. Even if they charged me for the settlement fees of 25 % it would come to {$2200.00} which was supposed to be taken over time. so a year and a half later, i am {$4300.00} further inthe hole, not one settlement completed but the company made a nice profit off of me for no services completed.
Product: Debt collection

I started using XXXX advertising on XX/XX/2018 to start marketing my insurance and consulting services. Before signing up, I was told that I would be given {$300.00} in Ad credit which is why I joined. I would not have signed up otherwise if not misled by the company, XXXX. I was given a small bill which was taken out of the {$300.00} and then the following month, XXXX didn't take the money from the remaining credit which was over {$200.00}. Instead, XXXX started referring to the credit as a " bonus '' and after multiple calls to XXXX to fix this issue, nothing happened as XXXX refused to acknowledge the credit. XXXX sent this falsified information that they claim I owe them to a 3rd party reporting agency and started damaging my credit in an attempt to solicit payment from me. I've taken the email correspondence between the company and me and converted them into PDFs for people to see the deceptive practices that were used by XXXX.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed accounts that I have no affiliation or knowledge of. In XXXX I attended a company event and my purse was stolen that included my personal information. A police report was made with the local authorities. I've contacted the credit bureaus XXXX  in XX/XX/XXXX and XX/XX/XXXX attempting to get this resolved. I have no knowledge of XXXX XXXX, XXXX XXXX, or XXXX XXXX. Furnishing the accounts to my profile without my written consent or permission is in violation of 15 USC 1681B.

I have a researched these creditor and I have never had any accounts with them These accounts have been reported to my profile due to identity theft, which further violates 15 USC 1681 c-2. No accounts due to identity theft should be furnished to my profile. 

I also noticed credit inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX  that I have not authorized or given written consent.
Product: Debt collection

Halstead Financial took on XXXX XXXX XXXX and XXXX from Texas. Using addresses I never lived at. I was able to remove the addresses and accounts from XXXX and experien but not XXXX. My wife and I get messages fron Halstead but Im worried about acknowledging the fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has invaded my rights. 

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: Debt collection

This company is putting things on my credit report that is fraudulent. I have NEVER lived at this place. I have been trying to combat identity theft for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Complaint Against : XXXX XXXX Equifax XXXX of Complaint : Violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate personal information ( incorrect names and addresses ). 

Description of Complaint : I am filing this complaint against XXXX, XXXX, and Equifax for reporting inaccurate personal information on my credit report. Specifically, they have listed incorrect names and addresses that are not associated with me. This incorrect information violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate and complete information in consumer credit reports.

Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputed information and correct or delete any information that can not be verified as accurate within 30 days of receiving a dispute. Despite my previous disputes regarding these inaccuracies, the agencies have failed to remove the incorrect names and addresses, which continue to appear on my credit report. 

Correct Information to be Reported : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm deeply concerned about how my rights as a consumer are being violated due to the unauthorized and inaccurate information being reported on my consumer report by XXXX, XXXX, and Equifax. It's incredibly frustrating to see these credit reporting agencies mishandle my personal data, especially considering their crucial role in assessing my creditworthiness. The fact that unauthorized information has found its way onto my consumer report is a clear breach of my right to privacy. I've always believed that I have control over my personal information, but with this inclusion of accounts I never opened and activities I never engaged in, my privacy is being compromised, leaving me vulnerable to potential identity theft or fraud. What's even more disheartening is the impact of these inaccuracies on my right to fair and accurate credit reporting. I've always strived to maintain a good financial standing, knowing how crucial it is for my future endeavors. However, with XXXX, XXXX, and Equifax reporting inaccurate information, my credit profile is being distorted. This can lead to unfavorable credit decisions, higher interest rates, and even difficulties in securing loans or finding employmentultimately hindering my financial opportunities. The repercussions of these violations extend beyond my immediate concerns. They have the potential to harm my reputation and overall financial well-being. Lenders, landlords, and potential employers often rely on credit reports when making important decisions about my eligibility. With unauthorized and inaccurate information tarnishing my credit profile, I may face loan denials, higher interest rates, housing rejections, or missed job opportunities. It's disheartening to think that these violations can have such long-lasting effects, hindering my ability to achieve my goals and maintain financial stability. In light of these violations, it's crucial for me to take immediate action to rectify the situation and ensure that my consumer rights are protected. I need to assert my rights to privacy, fair credit reporting, and the opportunity to dispute and correct errors. By doing so, I can work towards restoring the integrity of my consumer report and safeguarding my financial future.
Product: Credit reporting or other personal consumer reports

THIS IS IDENTITY THEFT MY SOCIAL PASSPORT AND BIRTH CERTIFICATE WAS STOLEN In accordance with thee Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I have been experiencing a lot of fraudulent activity on my credit report. I have been working hard to protect my identity and credit. I have had to add fraud alerts, security freezes to my credit reports and recently, on XXXX, sent certified letters to all XXXX credit bureaus requesting that my correct name and address be the only thing reporting under my personal information on my credit report, in order to dispute other inaccuracies that they continue to report as verified after multiple disputes. In my letters I provided a copy of the front and back of my drivers license, my utility bill with my legal name and legal address and social security number. Requested that all the incorrect names, addresses, and phone numbers be removed from my credit reports. TransUnion and Equifax did this with no hesitation. Experian will not honor the request because there are XXXX negative items on my credit report with incorrect information that Ive disputed that they will also not remove. This information is being reported to all XXXX credit bureaus and all come back verified. Ive been trying to get my credit report corrected to no avail and would like to avoid involving a lawyer. I really could use help as a hard working XXXX, with a dream of homeownership, just trying to make ends meet for my growing family. Ive been trying to fight this battle alone for too long now. Please help.
Product: Credit card or prepaid card

I filed a dispute on my account with XXXX XXXX XXXX, Dispute # XXXX they stated they issued me a temporary credit which has not shown up on my account, when I called them they told me the credit was on my old card which was replaced for fraud, I explained to them the card was replaced and I have a new card number, they stated that they submitted then request to put the temporary credit on my new account and I have not gotten the credit it has been over XXXX weeks and the credit has not been moved!!! Have the credit moved over to my new account immediately in the amount of {$82.00}
Product: Checking or savings account

Tried to file a fraud charge and they denied me that option. When my credit card information was compromised
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened : XXXX XXXX XXXX XXXX These account have resulted in several fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection reported. The aforementioned account, collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account collection is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account collection is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
{ XXXX XXXXXXXX XXXX XXXX } As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 
Sincerely, XXXX XXXX
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 XXXXXX/XX/XXXX
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are guilty of violating my consumer rights and violating F.C.R.A. rules and regulations on several counts. I did file for BK back in XX/XX/2009 which was a chapter XXXX.. However these 2 bureaus are reporting a chapter XXXX and stating they will report it for 10 years ... this is a violation. 
I disputed with them only to receive a computer generated statement saying they verified with the provider the information is correct. I called both bureaus who told me to contact court. COURT CONFIRMED IN WRITING THEY DO NO REPORT, VERIFY OR VALIDATE ANYTHING WITH CREDIT REPORTING AGENCIES ( see attached ) so it is LIE!!!! Then I disputed and called again and was told they get this info from XXXX XXXX. I contacted XXXX and received in writing statement that they did NOT get any response from the bureaus and did NOT get any requests for verification and validation ... SO XXXX   AND EXP LIED ON ALL DISPUTE RESPONSES SEVERAL TIMES ... THIS IS PUNITABLE BEHAVIOR AND I WILL COMPLAIN TO FTC AND ATTORNEY GENERAL 'S OFFICE IF THESE ARE NOT RESOLVED AND REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a debt verification letter that needs to be responded to by the collections company associated with this debt, with specific details about this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to dispute fraudulent inquiries. I submitted the FTC report they requested. 
As you can see they still have not deleted the XXXX inquiry even with the document stating they will.
Product: Student loan

I have tried for years to get help with both private and federal loans through my server, Navient. Navient has fail for over 5 1/2 years to work with a payment that I can afford. I was repeately given option to put loans ( they served both private and federal ) in forbearance so times over the last 4-5 years that the principal continue to grow. Each time my loans came out of forbearance, I would call and ask for help because there was no possible way to pay them over 500/mo. I pleased with them, each time, explaining that my financial income was not projected to increase. They knew conitnuing to put me in another forbearance would only allow for my loans to grow without the projection I would be able to pay when it ended. Many times I explained that if you could just lower my payment to around $ 100/mo could avoid forbearance and at least be moving in the right direction. They refused that offer or ablity to work with around $ 100/mo. They said the lowest they could lower my payment was from approx. {$430.00} to {$180.00}. Once again both the person assigned to my Navient Loan account and I, discussed If I paid even the latter amount, the income to outflow work sheet they used to " lower my payment '' ( which half risen due to continual forberance ) showed very clearly that I would be paying way more than bringing in. Might I add, my pay each month is consumed by rent, electric, utilities, and tv ; leaving just enough to buy food, personal hygiene items, transportation, and necessities for my children. No credit card, personal loan, or other debt. Once my forbearance time had been exhuasted, I was told Navient had no other ways or options to assist me in aggreeing on affordable payment or program. My assigned Navient account officer gave me the following advice ... She advised me to try to toggle payments between my two loans they served. She continued to explain that my best option was to pay one loan ( approx {$100.00} ) per month and then skip that one and pay $ 150- $ 200/mo on the other loan the next month. She said at least it will buy you some time so your loans do not default. With great disappointment and 0 options left, I tried to toggle my payments but # 1 I was stuggling severely and # 2 I was still delinquent in the latter loan. Now both loans are in default. Until XX/XX/2018 my net income was approx $ 1400/mo and as of XX/XX/2018 my net income is approx $ XXXX/mo. My house hold is 4 with no other income. My husband has been in SSI and XXXX limbo for going on 2 1/2 years and both children receive state aide. Please can you help me?