23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

in 2013 my wallet got missing in a train from Ny to NJ.In my wallet was my XXXX, social security card, students id card and my debit cards.i reported this incident to the police and i was given a police report. A few month after the lost of my wallet some one used my informations to open a credit accounts with capital one bank in my name. 
after a few years of non payment the capital one bank sent my informations to debt collectors and i was sent for collections.i called them to tell them it wasnt my account.i even mailled them my police report but still they refused to correct the my file.and this is hurting my credit.and also i was a victim of equifax identity fraud
Product: Debt collection

After receiving an automated Email from my bank stating I owed {$180.00} due on XX/XX/2021 I knew something was wrong with my account, so I contacted my bank to find some answers. During that phone call, the associate I talked with stated the charges came from a {$30.00} late fee ( 1 day late payment from XX/XX/2021 ) as well as my XXXX monthly payment. When I told the associate that the numbers didn't add up and the {$180.00} was incorrect and there was no way I owed what they were claiming and something was wrong with my account, I was going to be put on hold so my account could be looked at. Instead I asked to be called back as I would use the time as well to look at my records. They agreed and the call ended. They never called back, instead, their in-house collection department called me in an attempt to collect on an outstanding debt in the amount of {$180.00}. While I was talking to the first agent that called I again explained that the amount was incorrect and my account needed to be looked at. Instead of helping me they said I owed {$180.00} and could I make a payment. I said no and the call ended shortly thereafter. After several calls back from the same department demanding payment of {$180.00}, I finally had to tell them to stop calling me unless someone was going to help fix my account. No more phone calls from anyone. When I called my bank on XX/XX/2021, trying for the final time to clear my account and after spending 55 minutes going round and round with the collection department, I found out my real XXXX payment was only {$82.00}. If you add the late fee of {$30.00} it's only {$110.00}. Far different then the {$180.00} they spent the month of XXXX trying to collect from me. It's simple math and the numbers don't lie. After almost an hour of round and round I finally had enough and told them to close my account so they couldn't keep adding on additional fees and fines. Despite proof in numbers they still wanted {$180.00} to clear my account.
Product: Credit card

After 16 years with CitiBank we had inadvertently missed our XXXX XXXX due date ( XXXX statement ) and payed the full statement balance of {$90.00} on XXXX XXXX. We payed a {$30.00} late fee and a {$3.00} interest for that late payment on our XXXX XXXX due date ( XXXX statement ). However, upon receipt of our XXXX statement we see that we have been charged another {$17.00} in interest charges even though we had payed out balance in full on XXXX XXXX. When I contacted CitiBank today ( XXXX ) to get a breakdown of the balance on which the interest was being charged I received conflicting responses from both a representative and a supervisor, XXXX. The representative stated that the interest was charged on the balance of 4 late days. Whereas the supervisor stated that the interested was charged on revolving credit for future charges. Neither of which make make mathematical sense to add up to {$17.00} in interest charges. 

I firmly believe these charges are predatory for consumers who carry monthly balances without a clear understanding of what balances interest is being applied to.
Product: Money transfer, virtual currency, or money service

Paypal seems to think it's okay to have incorrect and non current exchange rates. I looked through posts from other users and it is consistent with my findings that they do not use up-to-date rates thus charging users more than necessary. Where does the discrepancy end up? Might want to look into that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over XXXX disputes to TransUnion, XXXX XXXX XXXX about accounts that were appearing on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on which I received a notice back that they were investigated, verified and confirmed as mine. the account stating was opened XX/XX/XXXX was reported opened XX/XX/XXXX that is almost 5 months later so how was that verified. Transunion removed the inaccurate late payment from the account opened XX/XX/XXXX and then put It back without notice the next month. they have started not reporting my payment history and multiple accounts. I have called in to TransUnion and was told that they did take steps to verify and they have mailed me exactly how and I would receive it in the mail. upon receiving the mail there was no proof of verification just a paper stating it was verified and the inaccurate information would be remaining on my account. Transunion and XXXX have also deleted the account that was opened XX/XX/XXXX but remains on XXXX. I have never lived at the residence reporting this information and I have submitted my identity fraud information yet the item still remains on my XXXX account. I am now receiving letters that they could not verify my identity from the information that I have sent in so they have not investigated the issue. how are now the same documents I have been sending to prove my identity now now enough information for you to investigate my claims. 

the credit bureaus have stated that my accounts were properly investigated but how is that possible when the open dates are innaccurate, the date last active is inaccurate, the date of last payment and the account status is inaccurate. this is grounds for removal as they have also violated my rights under 15 U.S.C 1681 section 602 A : states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written consent
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Adjustment Co. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Adjustment Co., I am writing to formally request validation of the debt associated with account number XXXX in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. It has come to my attention that the original creditor, XXXX XXXX XXXX, charged off this account and filed a profit and loss statement. This indicates that they have recognized the debt as a loss and forgiven it. Therefore, you can no longer pursue collection efforts on a debt that has been written off. To substantiate your claim that I owe this debt, I require the following documentation : 1. Bill of Sale : A copy of the bill of sale that includes my name and account number, confirming the transfer of this debt to your company. 
XXXX. Chain of Assignments : A detailed chain of assignments outlining each party that has held this account from XXXX XXXX XXXX to the present, with my name and account number listed on all documents. 
XXXX. Purchase Agreement : The purchase agreement that specifies the terms of the debt transfer, also including my name and account number. 
Additionally, your failure to contact me prior to adding this account to my credit profile raises concerns about compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ), which mandates accurate reporting of consumer information. Moreover, the repeated resale of this account without my knowledge may violate the FDCPA, specifically 15 U.S.C. 1692c, which requires that debt collectors cease communication upon consumer request.

I hereby request that all collection efforts be halted until you provide the requested documentation. I expect a response within 30 days, as required by the FDCPA. Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

on XX/XX/2019 a loan was taken out from XXXX XXXX, self lender in the amount of XXXX i noticed on my credit report the the account was not mine and made the credit bureaus aware and it has been over 90 days
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX late payments 30 day and 60 day XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX account account # 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 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 noticed billing mistakes on my credit report, showing late payments that don't match my typical history. Please fix these errors and update my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the practice of my mortgagor,  XXXX , to report my mortgage payments to credit agen cies 3-4 mo nths after payment is made. For instance, my Transunion credit report currently lists  XXXX  as my last mortgage payment as on time.     I would expect  XXXX  to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my  credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account information was disputed based on Date of delinquency, Date of last payment, Date last active which by XXXX does not match. I disputed the information with XXXX and Transunion and the investigation by XXXX came back to the credit bureaus that the account information is accurate. I live in CALIFORNIA and this information is inconsistent under the CCRAA. 

FCRA 623 and FDCPA 806 ( b ) Maximum Possible Accuracy state that the creditor MUST enter a notice of dispute.If this is not entered the account can not report on the account XXXX p. 2-2 Industry Reporting Standards '' All accounts must be reported on a monthly basis. '' The creditor XXXX did not update the account status as " disputed '' while I was shopping for a new home at which time I was denied a mortgage loan. 

FDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This account should no longer be reporting because of the violation of my consumer rights under the CCRAA and the Rosenthal FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX was the result of their non-compliance to my request and fortheir refusal of getting the account, listed below, to be removed from my credit reports. Theyneither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistanceto help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I attempted to open up an account at XXXX XXXX XXXX. In doing so, XXXX XXXX XXXX informed me of a bad debt from BMO bank for {$470.00} from XX/XX/21. The address associated with this fraudulent claim is a address I have not live at for the last 23 years. This account was not opened by me nor did I ever give permission to have an account open at BMO bank. 
At this time, XXXX XXXX XXXX is denying me the ability to open up a account until this is cleared up.
Product: Credit reporting or other personal consumer reports

I'm deeply troubled by the presence of this XXXX payment on my account, as I've consistently made XXXX payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my transunion along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$98.00} ; XXXX XXXX Balance : {$5900.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$350.00} ; XXXX XXXX Balance : {$61.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraud account from XXXX XXXX were my information was used to open a account and eventually charged off. I have tried to dispute this account with all 3 credit bureaus who claimed they have investigated with creditor and verified information was accurate, which is untrue. I asked for proof showing I open account, but never received documentation showing I authorized or signed any documents. This has caused my credit report and score to be affected. This is account was open fraudulently under my personal information!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Improper Credit Reporting and Verification Failures for XXXX XXXX XXXX I am filing this complaint against XXXX, XXXX, and TransUnion for failing to ensure accurate reporting and proper verification of information regarding the XXXX XXXX XXXX account ( Account XXXX : XXXX ). 

Details of the Complaint : Since XX/XX/year>, I have consistently disputed the accuracy and legitimacy of the XXXX XXXX XXXX  account with XXXX, XXXX, and TransUnion. Despite submitting multiple disputes outlining my concerns and requesting a thorough review, the credit bureaus continue to update the account status as verified without offering any explanation or tangible proof of how they arrived at this conclusion. I have asked for documentation, records, or any evidence that demonstrates the accounts validity and the investigation process they claim to have conducted. However, no such evidence has been provided, leaving me with no clarity on how the credit bureaus or the furnisher verified the information. To date, none of this information has been provided. The lack of evidence and proper investigation constitutes a failure to comply with federal law and causes ongoing harm to my credit profile. 

Violations of Federal Laws : Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Reasonable Investigation ( FCRA 611 ( a ) ( 1 ) ) : The credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of an account. By merely marking the account as verified without performing a proper investigation, they are in violation of this provision. 

2. Failure to Provide Verification Details ( FCRA 609 ( a ) ( 1 ) ) : Under the FCRA, consumers have the right to request details on how disputed information was verified. Despite my repeated requests, the credit bureaus have not provided this information. 

3.Reporting Inaccurate Information ( FCRA 623 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX as the furnisher of information, has a legal obligation to report only accurate and complete information. If they can not provide evidence of the accounts accuracy, they are in violation of this provision. 


4. Failure to Notify Consumer of Reinvestigation Results ( FCRA 611 ( a ) ( 6 ) ) : After a reinvestigation, the credit bureaus must notify the consumer of their findings and provide the results of the investigation. This has not been done in compliance with the law. 

The inaccurate and unverifiable reporting of this account has caused significant harm to my credit score, restricting my access to financial opportunities and resulting in undue stress. Additionally, the failure of the credit bureaus to conduct proper investigations undermines consumer trust and the integrity of the credit reporting system.
Product: Checking or savings account

I have deposited my check from work and wanted the 7 days for it to clear and they still have my account on hold after the money has been cleared they are still giving me problems making wait and have no access to my money
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  XXXX XXXX XXXXXXXXXXXXXXX Date Opened XX/XX/2017 Balance : {$460.00}
Product: Debt collection

XX/XX/18 at XXXX, XXXX. I have been receiving multiple calls daily at work and on my cell phone. I answered today and was told the company name is XXXX XXXX. I asked that they do not call my place of employment as I can not take personal calls. The lady XXXX  stated she would call whatever number she wanted and was very threatning. I disconnected the call and she called back 3 times on my work line and left several messages, I then began receiving calls on my cell phone XXXX XXXX, XXXX. 
I tried calling back the number XXXX and it does not work the line stays busy. I tried researching the company online, no information. I looked the company up on XXXX XXXX XXXX   site, and the information stated this company is no longer in business. 
I returned to my work phone and called another number they called from XXXX and asked for information on the company, I was hung up on, called back I was transferred to XXXX and hung up on, I called back and spoke to someone named XXXX and asked for the company information so I could send a no contact letter and was hung up on. I am unable to speak with someone about removing my work phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX XXXX  XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian, XXXX  or XXXX, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, Experian and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.