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

On XX/XX/2021 XXXX XXXX add a derogatory mark in my credit report at XXXX XXXX upon further research this account was transferred/ hold and I am not longer responsible for the account, debitors credit did not verify this collection. Also there's was not written form of communication contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the fcra XXXX XXXX has violate my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Improper use of credits and report s mail XXXX, language XXXX.anti trust XXXX. Notice of non consent.
Product: Credit card or prepaid card

BoA XXXX Debit Card claim # XXXX There were many back to back to back fraudulent purchases made using my BoA XXXX Debit card from XX/XX/XXXX to XX/XX/XXXX. The fraudulent charges totalled {$2300.00}. They were approved despite no one knowing my name ( on the card ), my address, email address, phone number, PIN, card expiration date, XXXX digit security code. 

I've never used this BoA XXXX debit card which was kept in a locked closet in my bedroom! So no1 could've known any of the details needed to approve on line charges! 

I was not notified of those fraudulent charges, even though " Notify via email of suspicious charges '' alert was set. No email, no phone call, no US mail. BoA says they did not have my phone number but it was on 2 other accounts I have with the bank. When a BoA fraud specialist called to activate the new card she asked me for the last 6 numbers of my other BoA debit card which is proof they could've found my phone number from that account. 

When I learned of that via BoA automated phone call, I filed a complaint same day-on on XX/XX/XXXX which went to BoA Executive Escalations. 

Today, I received 2 letters in the US mail dated XX/XX/XXXX and XX/XX/XXXX4 stating my claim had been REJECTED/DENIED because the fraudulent charges were made > 365 days from the date of my claim. NOT TRUE! The charges were made 4 and 5 months before I filed my complaint- NOT more than 365 days before! 

Each time I call or email BoA XXXX Debit Card services I ask for further escalation and phone call from their Fraud Executive, but nothing happens. Worse is the letter dated XX/XX/XXXX which states : " We've completed an additional review of your case and concluded that our original decision was correct. '' That added insult to injury!
Product: Credit reporting or other personal consumer reports

I entered into a loan agreement with Mariner Financing in XXXX. A short time after an identity theft situation caused me to indirectly default on the loan. This loan is being repaid through a third party I contracted with. 
Mariner Finance listed this loan as closed on my credit report however they listed it as two seperate entries with two seperate account closing dates. The amounts shown are the same, one shows XXXX balance and one indicates a declining balance with payments being made. 
Only one account closure should be listed on my credit report. It is having an unneeded negative impact on my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is reporting ino accurate info. someone stole my identify and opened a fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, has violated 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never conducted business with XXXX XXXX XXXX. They are reporting to all 3 Bureaus negative and inaccurate information. I do not have a contract with XXXX XXXX XXXX. They are in violation of my consumer rights.
Product: Debt collection

The law firm of XXXX XXXX XXXX has, over the past 18 years, captured my money several times for a debt they allege, but has not proved, I created in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of River City Financial, apparently obtained a judgment against me, without providing me notice, for this account they alleged I opened inXX/XX/XXXX This same year, the law firm acting on behalf of the debt collection agency then captured an account for this debt ; one of which, I shared with my parents. I was on the account due to them both being ill and unable to care for their financial affairs. I sought help inXX/XX/XXXX, from the Minnesota Attorney Generals office, which resulted in XXXX XXXX XXXX River City Financial returning the money to my parents account. Because of lack of knowledge on laws about debt collection, getting my parents money returned was the only action I took.
For a second time, in XX/XX/XXXXthe law firm of XXXX XXXX XXXX captured my bank account that was set up in my name. They took close to {$800.00} which were both my wages and school loan money ; at the time, the law firms actions put my family in dire financial hardship. As a result, my family had to find monies to get basic needs and other daily living items to continue to move forward.
Again, I sought assistance from the MN Attorney General office. While I worked on providing XXXX XXXX XXXX with proof of my familys financial situations, the MN AG office assisted me by writing a letter to the law firm on my behalf requesting information about the debt. The agencys response was not expected because they could not provide the original application ; nor, did the law firm provide any solid evidence that this debt belonged to me.
I am tired of being frighten about the next time this big law firm decides it can capture my limited financial means. I can barely afford to take care of my family and I certainly can/do not want to continue to pay for a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

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

Ever since my credit has been reported, it has been incorrect. I have attempted to fix it at various points in my life. However, the companies refuse to take any action. I have called, repeatedly, I have sent correspondence to confirm inaccuracies, repeatedly, but the companies continue to treat me as if I am lying about my own situations. My situations with the credit agencies has been heavily documented by myself and their agencies. I have a copy of each time I have attempted to repair inaccuracies on their part, but nothing has changed. The fact is, ever since I XXXX XXXX XXXX XXXX, the agencies have placed more and more obstacles in my way. Since the beginning, I wanted to use my XXXX XXXX to build wealth and fix problems. Once the debt collection community, business community, and others saw my tenacious spirit, they have done nothing more than heckle and make it even harder to reach my full potential. As I have stated in all of my other complaints, I refuse to let them continue to dictate the direction of my life now, and at any other point in my future. 

XXXX customer service is garbage. I've talked to other people of other ethnicities, other ages, etc. and I know, FOR A FACT, they do not treat all similarly situated individuals the same. For this, I am ashamed of their inability to follow through with the requirements of the FCRA. This is not, currently, a class action suit, but, I have enough know how, and backing to make it one.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE HOME DEPOT/CBNA last reported a late payment on XX/XX/ for an account in the amount of {$330.00} XXXX XXXX last reported a late payment on XX/XX/ for an account Im the amount of {$320.00} XXXX XXXX XXXX last reported a late payment on XX/XX/ for an account in the account of {$810.00} XXXX XXXX XXXX last reported a late payment on XX/XX/ for an account in the account of {$530.00} XXXX XXXX last reported a late payment on XX/XX/ for an account in the amount of {$220.00} In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses do not belong to me. When I disputed with the bureaus they would not remove from my profile stating they are attached to account on my report which they should n't be because I have never lived there as well as they are XXXX XXXX addresses XXXX XXXX XXXX XXXX WV  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX XXXX WV XXXX
Product: Credit card or prepaid card

I called and reordered a lost prepaid date on XX/XX/2017 in which I was told there was no option for expedited delivery and the card would be here in 7-10 business days. I called to make sure the card was ordered as promised. <P/>On several occasions, I called and kept getting the run-a-round and was denied a supervisor every single time. My girlfriend tried to ask on behalf as well.. Everytime we were put on hold for a couple minutes and were always told a supervisor was not available and we could n't hold for one. We were told we would have to wait for a call back, which we are still waiting for to this day. Today is the 10th business day and the card is STILL NOT HERE!!!!! <P/>There was misinformation on when the card was ordered, if it could be expedited and what was actually considered a business day. When the representatives were unable to answer the questions or provide someone of authority, they would say they had to disconnect the call leaving us helpless with nothing else to do. <P/>They do not listen to the customers and most concerned with taking the next call rather than helping the customer who they have on the phone at that current moment. <P/>WE need a call back from someone as they are basically stealing his money at this point and we ca n't get anyone on the phone to get his money back if they are n't going to send the card. He has not been able to work due to this and they are costing him money.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXXXX/XX/XXXX According to the FCRA, credit bureaus are required to respond to disputes withinXX/XX/XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

**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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

**15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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. 

Convergent Account # XXXX, XXXX, have violated my rights. 

XXXX5 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, credit repair services, or other personal consumer reports

My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX (XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX  ( XX/XX/XXXX )
Product: Checking or savings account

Once again I 'm here sending an emailed complaint to you guys to handle for about Bank of America. I will upload more pics to come. XXXX/XXXX/2017 I stopped to put gas in my car. I put in {$31.00} something dollars. This overdrew my account. O.k, I get that and that 's fine they can charge me an overdraft fee. The problem is when they make all the transactions red when they should n't be. I only over drew for the gas from XXXX. They have it looking like I overdrew my account 3 or 4 times when that is not the case!!! I am about to upload the picture. The other items should not be overdrawn just the XXXX gas because that 's the very last item that i bought that was going to overdraw my account. They are for some reason charging me the overdraft fee for the XXXX XXXX payment when you can clearly see that that was in there on my picture. I had money when they withdrew their charge. Money was in there for the rest of the charges also. The XXXX XXXX and also the other food place.
Product: Debt collection

Tried to resolve debt 1 year ago with a lump sum payment which They didn't want to do. So we had been receiving this letters in mail with someone else 's its name. By law your not suppose to open mail that's not yours. My credit scores have been hammered this whole time and haven't received a single correspondence with my name on it..
Product: Checking or savings account

Chime also known as XXXX receives a monthly deposit from the XXXX XXXX XXXX XXXX under XXXX XXXX XXXX. It is delivered to me on the XXXX XXXX of the month in the same fashion. This month it was not delivered the same as the previous 6 times. They delayed the transaction even after it was deposited without cause. I am writing for the transaction to be completed and deposited as promised 2-3 days early as it states in their contract.
Product: Debt collection

This company has been calling my residence every day around noon to inform me of a bogus civil filing against me. They want me to call their number to pay. I told them to stop calling me with this nonsense. That if in fact there is a civil filing and law suit to send me the civil filing and I will have my attorney address the matter. I have not received anything in the mail other than harassing calls and unethical letters saying there is a debt but no proof of where this is from. I do not owe anyone or any company money. My credit cards are to date with their payments along with all my bills. I have also filled a complaint with the Federal Trade Commission and Consumer Protection Services and the XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, inconsistent, and questionable items that your agency didn't make sure it was reporting 100percent accurate. In accordance with the fair credit reporting act, everything has to be 100percent accurate on my credit report and under 15u.s.c1681e ( b ) and 15u.s.c1681i ( 5 ) these accounts are in violation of not reporting 100percent accurate.XXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX account # XXXX The credit reporting bureaus stated that these accounts weren't properly investigated and came back verified. however, how is this true how is this true when there is several inaucacies showing on my report? As a consumer, I request to know all the steps your agency took to insure that these items were 100percent accurate under 15u.s.c1681i ( 7 ) method of verification-description of reinvestigation procedure. Resolution as a consumer, by law my credit report must be 100 percent accurate immediately by the credit reporting agencies to delete the accounts listed in my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX appears to have intentionally destroyed my credit as well as the coborrower on the account. They offered me an extension, deferment on my account and clearly stated multiple times this will not report derogatorily as the account will be brought to current. I paid {$390.00} for this deferment and followed up with XXXX XXXX multiple times to make sure deferment cleared. Each time I was informed by representative that were back logged but no worries it will be processed and will not affect your credit. Five days later my credit score as well as coborrower 's score decreased by 60 points. I have called XXXX multiple times and their reps always say it will be corrected carelessly. It still hadn't been corrected. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX/XXXX  XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CREDENCE RESOURCE XXXX Account number XXXX Balance : {$160.00} Balance updated : XXXX XXXXXXXX XXXX Original balance : {$160.00} Date opened : XX/XX/2024 Account type : XXXX XXXX XXXX XXXX account. {$160.00} past due as of XXXX XXXX 
This account is identity theft I did not have any obligation with this account or company false or misleading representation. 15 USC 1692g VALIDATION OF DEBTS. ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) DELETE under 15 u.s.c. 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Remove and delete all information.
Product: Debt collection

AMERICAN HONDA FINAN, XXXX Honda Financial Services ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, California XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask AMERICAN HONDA FINAN, XXXX Honda Financial Services XXXX XXXX XXXX, XXXX, California XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX XXXX XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX XX/XX/1981 ss # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint Early Warning Services , LLC, XXXXXXXX XXXX XXXX XXXX, XXXX, or " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer.
Product: Checking or savings account

Tried to close account and was told I could not unless going to a branch in person, I went to the branch to close the account and was denied closure due to security reasons and suspicious activity on my account.