23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXX ) that you, the TransUnion 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. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

After paying off not 1 but all my credit cards with synchrony. All my accounts were closed due to the inability to pay them. It makes no sense and the corporate offices don't understand either. 

They claim my credit report has no bearing on it and there is nothing negative about my accounts. 

I asked to re-open some but perhaps close some I do not use that often. 

Today I was notified by my credit reporting monitoring that synchrony has placed some accounts in status of closed/steeled or paid for less when I paid them in full. 

This is for the XXXX XXXX which had a XXXX limit, last month they increased it to XXXX and after it was paid to zero closed the account.
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 Account name : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  Reference ID : 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 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. 

Also this company only has a license to collect debt in XXXX states. Those states are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Which is verified on XXXX  : XXXX. 

This account was disputed by another collection agency ( XXXX XXXX ) and sold to this company. 

Remove this account immediately!! 

Sincerely, XXXX XXXX
Product: Debt collection

Midwest Recovery Systems, LLC reported to the credit bureaus that I had an account placed in collections. According to XXXX data the company placed the account into collections on XXXX XXXX, 2016 and reported an unpaid balance of {$480.00}. Midwest Recovery Systems, LLC indicated that the Date of 1st Delinquency XXXX. I was never notified in write about the attempts to collect a debt nor any information sent to my address indicating what I had a debt with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. XXXX, Equifax and XXXX XXXX has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX IT WAS date open says XX/XX/XXXX but after i file a complaint then they change the date to that it original XX/XX/XXXX .but they can not do that .go back and change both days on the before and after in there dispute cases they send have XXXX
Product: Debt collection

On XX/XX/2019, I sent letters to Franklin Collection asking for validation for some alleged debts that were reporting in my credit file. I had no knowledge of their company nor had received any services from their company. As of this complaint, I have yet to receive validation of any of the alleged debt, yet Franklin Collection has continued to report derogatory comments on my credit file all the while ignoring my request for validation. On XX/XX/2019 I sent my second request for validation certified since my first request was ignored. Franklin Collection has constantly posted derogatory comments on my credit file since my validation letters was sent which is a clear violation of the Act which states that collection agencies must stop all forms of debt collection and reporting if a consumer request validation. I have enclosed a copy of the original letter and also the screenshots to prove that they have violated the Act.
Product: Debt collection

I XXXX XXXX have received notice from superior court of XXXX XXXX  for docket no. XXXX XXXX XXXXXXXX where a debt collector has filed a judgment to garnish my wages. The debt collector is Jefferson capital system llc and I have no knowledge of business they are saying I conducted. This is a fraudulent and I am been victim of fraud. I have contacted Jefferson capital and informed them, they have provided me with file number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAP1/SAKS created a charge card without my knowledge. I am a victim of Identity Theft and they approved a card without complete verification. I have sent them a copy of the charge card in dispute on a XXXX Credit Report, Local Police report on the Identity Theft, IdentityTheft.gov file report, and a memo stating that I was not the person that opened the charge card. I have already cleared 4 out of 7 fraudulent accounts on my credit reports, Which one was another CAP1 Charge card. CAP1 acknowledged that the other one was fraud, but the CAP1/SAKS  card was not considered fraud due to Publicly available information. When asked for the investigator and the public information I was denied further information. My investigation took well over 90 days to be completed. When the investigator completed it, they did not notify me what so ever. 

At the time CAP1/SAKS Charge Card was opened I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This shows how little these credit companies care about our information. They will open any card without further identifying or confirming with us. I am now struggling to purchase my house due to my horrible credit score. I have served XXXX XXXX XXXX XXXX XXXX and I am now alone sorting out my life. No one helps me and these credit companies just don't care.
Product: Credit reporting or other personal consumer reports

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

15 U.S. Code 6801 - Protection of nonpublic personal information 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods 15 U.S. Code 1681a Financial Privacy Act of 1978 Privacy Act of 1974 [ 5 U.S.C. 552a ] Iv'e been challenging the information on my consumer report for quite some time with XXXX, TRANSUNION AND XXXX even though all 3 agencies were in data breaches and obtain my personal information that I the consumer have to fight for. I've read all of their policy rules but they do not abide by them and the representives for the company will LIE ON THE CALLS. As well as they are advised to record the calls for security measures. I was advised as well.
Product: Bank account or service

Bank of America took my business account overdraft protection off line. Allowed the fines to build up to a point with their trouble and then filled a collections agonist me. I had no idea I owed them money. I am an elder citizen and feel they have unjustly ripped me off. I 've been with them for 25 years and they have cheated me. Some rob you with a gun some with a fountain pen.
Product: Student loan

Hi, All XXXXXXXX XXXX XXXXXXXX I received communications from Mohela that the pandemic was ending and my payment was coming due. I received information that my first payment was due XX/XX/XXXX. Therefore I paid it XX/XX/XXXX. I continued making payments before the XXXX of every month. After making my payments I received information that Mohela was placing my account on a forebeafance and I did not need to make a payment from XXXX XXXX XXXX, however due to the conflicting information I still made payments, its no way to get in touch with Mohela so I was under the impression I had to make my payments. I did not have the money to make those payments but I did so l, because of the confusion I received from Mohela. Therefore, I am asking Mohela to credit those months to XXXX XXXX XXXX This will credit me back for the months that I made a payment where one wasnt due, Mohela is extremely hard to get in contact with and every time I call their representatives give me the wrong information. I want this resolved asap because this is fraudulent practice.
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX A XXXX A XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX A XXXX A XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX @ XXXX I XXXX XXXX called XXXX, XXXX in response of my dispute, the letter read we received your dispute and need additional information and to respond in a timely manner. I spoke with a woman who told me that some accounts were not in dispute and I told her that all of the accounts in the office because I never received validation within the time allowed. I told the rep what I wanted and asked her name she refused and put me on hold for a long time then hung up..
Product: Mortgage

I have made on time payments which were not posted to my billing statements for each of the past two months. The statement cutoff date is the third day of each month. My XXXX payment was received XXXX XXXX and my XXXX payment was received XXXX XXXX and neither was posted to the following month 's billing statement. I was able to verify the receipt date through the CitiMortgage automated telephone number. 
I have had multiple issues with CitiMortgage regarding proper posting of my payments and accurately reflecting the correct principal amount and minimum payments due with an unsatisfactory experience due to their poor system of internal controls. 
Please investigate and resolve this matter. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting, and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old.

Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma told me I had excellent approval odds on getting a used car I have been trying to get a car loan everywhere an have been denied everywhere I have so many inquires on my credit report now Ill never be able to get a loan and coming from them monitoring credit reports they should not advertise this on my home page bank through they know my financial situations and its made my credit report go down significantly in the past 2 months it was at almost XXXX now its a little over XXXX they shouldnt be able to tell there clients something thats not true Ive also contacted them about it as well
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am having problems with this unfair treatment. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Debt collection

Phone number XXXX identifying themselves as https : //affiliateas.com/ Called me on XX/XX/XXXX demanding personal information to collect an alleged debt that was paid at the time of service in XX/XX/XXXX. Refused to send me written notice of the debt and demanded date of birth to even discuss any aspect of the debt.
Product: Credit card

Citibank removed from our account, without our authorization {$5100.00} on XX/XX/XXXX. This created a negative balance in our account and has left us without money for food, gas, presents for our children for XXXX ... This has created an enormous hardship on my wife and I and has resulted in immense XXXX causing my wife to become XXXX. This situation was created when Costco switched from XXXX XXXX to Citibank as their major credit card holder. We were over our limit with XXXX XXXX and XXXX XXXX allowed us to make payments on the current balance. Citibank, however requested that we pay the entire amount immediately when the change took place. I called Citibank and requested payments which we set up on the phone at that time. Since then I have routinely made payments on the Citibank account, however Citibank continues to attempt and some months succeed in removing the entire amount which is what occurred on XX/XX/2016. I had just made a payment on XX/XX/2016 of {$500.00} toward the balance on the account. Thanks to a couple good friends we were able to buy food this week but we have accrued enormous over draft charges and other fees due to Citibank 's theft of our account. We have been forced to acquire the services of an attorney in an attempt to remedy this matter given that Citibank has been less than cooperative in returning the money as they have in the past.
Product: Checking or savings account

I recently opened a savings account with Citi on XX/XX/2021. My savings account application reference number # went under review & closed until I sent over documents such as a utility bill and my drivers license. After I sent the documents that were needed, I was told that the review specialist rejected my utility bill because they couldnt verify it. It is now XX/XX/2021, Ive sent the only utility bill I have more than 3 times and confused on why the utility bill I sent was rejected. The utility bill has my name and address on it. So XX/XX/2021 I also sent my lease agreement because it includes my water and trash bill. That also was rejected. Im very disappointed in how I was given the run around with multiple representatives telling me I wasnt going to be able to receive the {$500.00} back that I initially deposited from my XXXX XXXX checking account. Then some time in the beginning of XXXX a woman by the name of XXXX XXXX ( Executive Response Unit ) with Citibank Client Services contacted me to further assist me with more direct contact with Citibank verification department. She was the only one who explained a couple of things to me. She did let me know that I sent my lease agreement from last year and not the current year, which is why they rejected that. So XX/XX/XXXX, I sent the current lease agreement with the correct dates and also the water bill and trash bill that the apartment complex has the service with along with my payroll stub. They also rejected those with no reasoning. Everyday I have checked the Citibank mobile app to make sure my funds are still there, on XX/XX/XXXX the funds were withdrawn by Citibank and put in their ledger. On XX/XX/XXXX, XXXX called me to let me know that I wouldnt be able to get my money back until I was able to verify still when previously I was told that if I didnt verify they would close the account completely and mail me a check. But now its a complete lie that they told me. I even asked if they could just transfer the money back into my XXXX XXXX account and they wouldnt even do that. I needed the money for medical expenses ( XXXX ) and now Im behind on that bill because of this situation. It's been more than a month, all I want is my money to be refunded and returned to me.
Product: Credit reporting

This additional information/dispute is related to CFPB Case number : XXXX : While transunion lowered the balance on the collection account, they did not remove the account from my credit report completely, which is what they should have done. I was a patient at XXXX XXXX in XX/XX/2016. They filed a claim with my insurance agency and sent me a final bill of over {$2000.00} ( see attached ). My insurance company sent me an explanation of benefits statement showing that I only owed {$310.00} ( see attached ) to the provider, not {$2000.00}. I repeatedly contacted the company told them to send me an updated statement ; they never did. So, on my own, I started paying only the {$310.00} balance in XX/XX/2016. I sent my payments to the address on the statement. Every payment came back undeliverable due to a bad address ( see attached XXXX online bill-pay messages ). Meanwhile, the company still refused to send me an updated bill showing that I only owe {$310.00}, and not the {$2000.00} they tried to swindle out of me. In XX/XX/2016, I was contacted by XXXX regarding this account. I was shocked and I told XXXX the entire story about how the company had never sent me a correct statement, and how I still tried to pay them the {$310.00} which I knew I owed, but the payments were returned undeliverable. I told XXXX I had all of the documentation. They told me that I 'd need to talk with a supervisor and that someone would call me ; no one ever called. I finally called them and stated that I was going to call XXXX XXXX again to get this resolved. They informed me that as long as I pay the account by XX/XX/2016, it would not impact my credit. I was furious at even the suggestion that this would impact my credit. This is a travesty and because of the bogus account hitting my credit report, I 've been unable to purchase my first home.
Product: Credit reporting or other personal consumer reports

I entered into a legal agreement with XXXX, that the tradeline for my auto loan would be deleted from my credit profile with all XXXX credit bureaus ( Equifax, XXXX, and XXXX ). They initially deleted the tradeline and recently began reporting again. I am in the process of a major purchase and this has the potential to cost me a lot of money if it is not rectified immediately.
Product: Mortgage

I have been using National Bi-Weekly Administration , Inc bi-monthly payment plan for about a year to pay for my mortgage. I received literature in the mail and called to inquire about this " service ''. I was immediately sold on the idea of paying my loan off sooner and that this was the best way to do it. I feel that this company does not act in the best interest of the consumer and they rely on misinformation to sell their " service ''. I feel cheated and angry. Frankly, it is humiliating to realize you have been taken even for its relatively small amount. I want to help ensure this does not happen to others. I feel like NBA is n't providing a service at all like what they advertise. I feel the service NBA offers it that of someone that takes your mail to your mailbox for you. If they were to describe it in such a manner it would not be nearly as successful.
Product: Debt collection

I paid a collection off with fortivia the beginning of this year. They sent me a letter in the mail to pay the collection in full for a discounted price of XXXX dollars. I paid the amount in full and the collection was never updated in my account as paid in full but instead of charge off which isnt the same. This particular incorrect data has stopped me from getting a new credit card from my new bank in the state of north carolina.