23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX representing BANK OF AMERICA, XXXX XXXX XXXX XXXX, sued me in state court for an alleged credit card account that I have never seen before. The debt was disputed from the beginning. Neither Bank of America XXXX XXXX XXXX XXXX XXXX could not validate and verified the debt. In court they filed an affidavit that was prepared and signed on XXXX XXXX, XXXX. The affidavit calls me a " defendant '' 1 year and 3 months before I was sued. This type of affidavit ( bogus ) was penalized by the OCC. Bank of America and FIA Card Services paid XXXX XXXX after a Consent Order XXXX and XXXX dated XX/XX/XXXX. According to this Consent Order, BoA has violated few months later by doing exactly the same thing they promised not to repeat. The plaintiff has not filed any contract or terms and conditions with the case.
Product: Credit reporting or other personal consumer reports

XXXX I disputed the validity of the XXXX XXXX Bankruptcy United States Bankruptcy Court XXXX XXXX XXXX Ohio , Reference number : XXXX, Date : XX/XX/XXXX being reported to on my consumer report by lci consumer reporting and requested a response of the reinvestigation with a full procedure of the process that was taken to complete the investigation within 30 days of that date. 
XXXX I received a response of the reinvestigation via email not certified mail indicating that the investigation has determined that the record is valid, via PACER online public records website and if I don't agree with this website that it would be my job to contact the court and have the record removed myself, which is not how the law works and per the FCRA if they wish to report something on my record they must be able to verify its validity by a person directly related to the furnisher which would be the bankruptcy court. I have contacted the court and provided LCI a letter which states that they can not verify this record. 
XXXX I again requested full procedure of the process that was taken to complete the investigation to which I never received a response. I also sent them a failure to investigate letter in this same email to them. 
XXXX I made a final attempt to contact LCI to yet again a request full procedure of the process that was taken to complete the investigation as they legally have to provide within 15 days of the investigation being complete if the consumer requests to which I have not received any further communication from them since XX/XX/XXXX. My rights as a consumer have been violated multiple times during this dispute and I am demanding that LCI consumer reporting DELETE ALL records in connection with the XXXX XXXX  Bankruptcy United States Bankruptcy Court XXXX XXXX of Ohio, Reference number : XXXX, Date : XX/XX/XXXX. As well as send an update to XXXX to have the record removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX is putting a derogatory decrease credit scores because I have been filing Federal Government complaints with Consumer Finance Burau and ADA Department of Justice. 
Experian, had my score at XXXX on XXXX XXXX and now it has been lowered to XXXX. 
I apply for a VA home loan with three lenders on XXXX, XXXX XXXX and my scores shouldn't have been decreased. 

Also I have XXXX balances as of XXXX XXXX on my credit cards 1, XXXX XXXX XXXX Credit Card # XXXX, 2XXXX XXXX XXXX Credit Card # XXXX 3. XXXX  XXXX XXXX Credit Card # XXXX 4.XXXX XXXXXXXX # XXXX balance {XXXX} My credit score with Experian should not be decrease because of Charge Off accounts of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX 

Experian is violations of Federal and State Laws and violations of my ADA Disability Act under Department of Justice. 
I am XXXX Lifetime and Retired and a XXXX XXXX XXXX XXXX Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing my dispute with Experian verifying this account was accurate and complete, I found several inconsistency reporting on this account : XXXX XXXX Acct. # XXXX. It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information. 

XX/XX/XXXX has ok but in Actual Amount paid. XX/XX/XXXX has ok but incomplete data in Actual Amount Paid. Fix or remove it. XX/XX/XXXX has ok but incomplete data in Actual Amount Paid show no data. Fix it or delete it. XX/XX/XXXX has incomplete or missing data information but payment history has OK. 

Experian had an opportunity to correct the my consumer report after conducting their investigation but choose to keep these inaccurate and incomplete information on my consumer report, so please delete it from consumer report. If you can't fix all inaccurate and incomplete information you must delete this account.
Product: Debt collection

Dear CREDENCE RM, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt.

To ensure accuracy and compliance, please provide me with the following : A copy of the original assignment contract or agreement that verifies your right to collect on this debt.

A detailed statement of the amount owed, including any fees or interest.

Evidence that this debt is within the statute of limitations.

Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA.

I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

My payfare XXXX XXXX XXXX through XXXX XXXX  stopped working... .I called them from a gas station where my card would not work at the pump ... in the store... or at the atm... .I called XXXX XXXX..they verify it's me... they transfer the call to XXXX XXXX... on hol 45 minutes ... they hang uo ... .multiple times ... .I know they get my calls because they send me emails... XXXX... to be exact... I've responded to them all ... still card does not work ... .I was left stranded over Nighy ywo nights two days because I could not even put in gas ... ..this has happened multiple times..once in XXXX and it took 30 days to get it fixed and I lost my apartment because of it ... I hadd to move ... because I could not access my money ... ..they fixed it ... 3 months later they screwed it up again same thing... so ... this is the third time this card has put my life at risk sleeping in my car at a gas station because this card doesn't work ... .a police officer came to help me... I called to see of I should file a complaint ... he told me about you. Gave me the info and he even pulled XXXX dollars of his personal money put to help me after reading the emails and seeing the calls... I even called XXXX while officer was there he heard the whole conversation and said I need to make a complaint ... .it 's violating me in XXXX different ways in regards to federal law ... I feel like I've been discriminated against I feel like I've been robbed... abandoned ... and they did nothing knowing my XXXX  needed me..I jad to pay XXXX extra to my baby sitter because of getting left at the gas station all night ... ..that was last week ...... well... today it happens again ... card doesn't work... I jave money I earned and they will not give it to me after o er XXXX  emails and XXXX  phone calls ... ..they basically used my car my gas putting my life at risk and took my money and refused to help me by fixing my card ... ..it has to be a refusal because they could've fixed this day one... .the refused..or didnt ... either way it has cost me alot and all because they don't have customer service at all ... .I want my money..I want to sue them in federal court for my money plus the expenses and trauma it has cost my family... this is absolutely horrible situation nobody should have to go througb ... I work hard ... ..this is not fair. It XXXX XXXX XXXX XXXX XXXX to know people will use me this way.
Product: Debt collection

I am XXXX and could not work for over 3 months. I like to work PT just to get out of the house. I explained to them what had happened and I would try to pay what I could. Being on XXXX. XXXX is not very lucrative considering I used to make {$19.00} an hour before I became XXXX. I keep that PT job to make up for these other bills that I can barely pay trying to avoid bankruptcy. They call constantly ... .EVERYDAY ... ALL DAY LONG. At one point ... They called me 5 times all in a row like a pyscho stalker. One right after the other!!! I do n't know how many times I got to tell them the same story but they are not making my life any easier right now as I am looking at XXXX # XXXX here soon. I wish they would stop hounding me like this. They basically call on the hour, Every hour from different numbers. This is how bad I get harrassed!
Product: Credit reporting or other personal consumer reports

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 My information may have been impacted by the XXXX, TransUnion anXXXX XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715 , 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information I am writing regarding a debt collection matter that has been reported on my credit file. Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

Please cease and delete immediately Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion remove XXXX XXXX as per enclosed documents
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX & XXXX BANK XXXX XXXX : {$3200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00}
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am hereby requesting that you cease all further communication concerning the debt associated with the following XXXX XXXX Account number XXXX & Account number XXXX XXXX XXXX XXXX XXXX MA XXXX cain & weiner Account number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX
Product: Checking or savings account

Around XXXX Regions Bank Opened Several Checking, Savings, and 2 Credit Cards and 2 Lines of Credit in my name without my consent. These account 's were all opened online, and I guess in branch with Stolen Identification at the time, and a Forged Signature. I have never applied for any Regions Bank account 's and or services. I had to file bankruptcy in XXXX because of being a victim of identity theft. The Identity Theft had gotten out of hand. I have tried to resolve this with Regions already but Regions closed the accounts, and Did not remove the credit account 's or bank accounts from my name or my information. When I tried to open a Regions bank account this year it tells me I already have an account. I have never had any accounts with Regions bank. Someone stole my identity and opened these fraudulent account 's, Online and I am guessing in Branch I am not sure. My Identification Drivers license does NOT Match what Regions bank has on file, Because again Regions Bank opened these accounts Fraudulently. Someone stole my identity and used it to open accounts with Regions Bank, with a Fake Email address, and Fake Address. I have never lived at the address Regions has on file. I never signed any account agreements, nor did I sign any loan distributions or any documentation for Regions. I have never received any Account Documents, I have never received any debit cards or checks, nor have I received any service or merchandise nor have I benefited from these accounts. I have tried Addressing this with Regions. The phone number they have on file does not match my phone number, My address does not match, my information does not match. However they have these fraudulently opened account 's linked to my Social Security Number. Regions Bank charged thousands of dollars in overdraft fee 's to these accounts, and Used the Line of Credits for Overdrafts I assume. I did not receive any statements so I can not confirm or deny. However I do know I should not be responsible for something opened fraudulently, that I have not responsibility for. Regions should be held responsible to provide monetary relief for the damages they have caused to my identity and my overall credit health. Regions Bank has caused me financial harm, by opening said accounts without first verifying any identification. Regions bank did not clear the extended fraud victim statement on my credit files before opening these accounts either, and at this point regions bank has caused me financial damages. I am seeking Monetary Relief for the damages caused, and Regions Bank should resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with.
Product: Credit card or prepaid card

I opened a Best Buy card via Citi years ago that I used, paid off, and never used again. Somehow, there have been three accounts opened over the years and the most recent was used to charge merchandise I did not buy. I reported the purchases fraudulent and requested any accounts associated with me to be closed. After more than a month, they still show at least one account open with {$3000.00} available. Today I asked again to close all accounts and they said that since an account was closed in XXXX that I have to reopen it to close it. They were referencing the account that had been closed for fraud and not the open account, which I had never asked to be reopened in the first place. At this point, I need to report them as they are either pretending stupidity to keep my account open, or are so incompetent that they can not fulfill my request.
Product: Credit card or prepaid card

XXXX XXXX ( XXXX  ) markets a XXXX through Barclays Bank that advertises free checked baggage. There are multiple restrictions and loopholes that effectively voids this benefit. Ive tried to resolve this issue with XXXX  and they refer to the fine print. XXXX & Barclays fraudulently advertise a benefit that is not available except under very specific conditions resulting in consumer fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. As a result, several fraudulent accounts and credit inquiries have appeared on my credit report without my knowledge or consent. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and permanently deleted from my credit file. 
List of Fraudulent Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$14000.00} List of Fraudulent Inquiries : XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX - Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I noticed 2 accounts on my credit report that is due to fraud the accounts are XXXX XXXX and XXXX XXXX which has been a total nightmare for the last XXXX years. The accounts never belonged to me I have never resided at XXXX XXXX XXXX XXXX XXXX Ga XXXX which is address associated with the accounts. I sent in police reports, affidavits and written statements to fix this horrible case of fraud off my name. The accounts never belonged to me and I'm requesting to have them removed immediately. Being a victim of fraud is terrible however continuing to fight with these companies is worse.
Product: Credit reporting or other personal consumer reports

Delete these inquiries at once, please. I have no information on this, and the company acted without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr has run a background check for XXXX and is Disclosing negative information on my background report that is more than 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian 7 times but they are still unable to correct the XXXX errors on the credit report
Product: Credit reporting

You asked XXXX questions. 1. Yes. 2. No. 
My credit report has someone else 's SSN and lists a place I have never lived. My homeowner 's insurance went up. I called the insurance company several times, and FINALLY one person would tell me why ( sort of ). She said it had something to do with my credit score. I paid off my house and have no debt, and I can only suspect that is why. One company told me I had EXCELLENT credit, but somehow my credit score increase my homeowner insurance by several hundred dollars. No one will speak with me at the credit company or the insurance company about the truth. I absolutely hate this system! Help!!!
Product: Credit reporting

Paid for Credit Monitoring, XXXX, {$19.00} per month, XXXX/XXXX/15 called back XXXX/XXXX/15 at approx XXXX : XXXX to cancel and was told that you could not cancel XXXX, they would charge. They would cancel it effective XXXX XXXX. I explained that I did not have a opportunity to really understand what I had signed up for. Since I had a chance to talk to other and realize I already had similar services, I called back to cancel and they said " TOO BAD ''. I would like my money back.
Product: Credit card or prepaid card

I was not given proper notice by Old Navy and Barclays that Old Navy 's credit card services was being transferred to Barclays and that my automatic payments would end. I only became aware of this when my credit score dropped XXXX points because of one missed payment by Old Navy Barclays. I immediately paid my credit card balance. I've contacted Barclays and Old Navy and neither will help me. 
I've always paid my credit card balances in full by the due date and have always had an excellent credit score well over 800. I had an Old Navy paperless account but I should have been notified by email or something. This is wrong that I was never notified that my automatic payments would end and that I needed to set up new payments with Barclays. When my home mortgage changes servicing companies they always notify me about the transition and that my payments would need to be set up with the new company. Old Navy and/or Barclays should have done the same. Please help!