23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Starting in XX/XX/2021, I started disputing these unknown accounts with all Three ( 3 ) credit bureaus. I would receive notification that the accounts were " verified as accurate and updated '' These accounts do NOT belong to me. The original debt was with XXXX, and sold to Jefferson Capitol System. When I dispute, Jefferson Capitol sends me an offer to pay and delete. I sent a Method of Verification, and instead of sending me what I requested, they again sent me an offer to pay and delete. 

The XXXX XXXX account does NOT belong to me, and I have no knowledge of this account either.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: Checking or savings account

after 5 years or so of dealing with constantly having my debit card restricted at BANK OF AMERICA due to possible fraud i have finally reached my breaking point. yesterday was the most recent one where I went to a gas station to get gas put my card in the reader and put in my pin. then it gets restricted. which i would normally be able to sort out but on this day i had broke the screen on my phone and needed to get back home to get a new one. yet i couldn't because they flagged my card for a XXXX dollar pre approval at the pump. I had to have my GF bring me my other card from 30 minutes away. while i sat in 12 degree temperatures waiting for her and her having to leave work to bring it to me.

I had a dually truck and a 16 foot dump trailer stranded at the gas station for over a hour because of this and this is only one of many. they don't catch fraud they abuse their customers even when they complain and seek help.

in the last 6 months they have shut off my card at least 10 times from going to the gas station and putting in my pin alone then declined. i have all of my finances and things intertwined with bank of America but they will not listen to me about the fraud protection being overaggressive and even passive aggressive. I have called and asked them for a do not restrict on the card at least 10 times. i have had my card restricted randomly almost a 100 times. they will not in anyway fix it. they keep giving the excuse we are just protecting your account.. well leaving me stranded over a dollar isnt protecting me its abusing my life and causing me to have issues and complications to running my business as well. 
I spent 3 days stuck in the XXXX XXXX XXXX because of their fraud protection shutting down my card for potential fraud ) sleeping in the back of a painting van. no phone signal and store wasnt open for 2 days. I should have left then but they promised it was fixed. they lie and abuse customers i had so many times where i would go to a store with my gf or my parents and pay and it get flagged and make me look like i was poor and unable to pay. that happened at least 30 or 40 times.
Product: Credit card

I had a citi secured card in XXXX  that was closed due to fraud that accrued after I was a victim of XXXX XXXX XXXX my account was closed an I never missed a payment or did anything for my account to be closed I recently found out that I was a victim of identity theft i have been calling for years to get this straightened out and to get my account back thos has caused me to lose account history and I would like my account reinstated as I didn't do anything to cause this
Product: Credit card

CapitalOne has sent me numerous " Pre-approval '' offers. The letter reads in bold that I am " pre-approved for this offer with no annual fee and our lowest intro APR. '' But further down on the back of an accompanying sheet of paper, it explains that a Pre-approved credit card offer is sent to a " well-qualified group of people. Being pre-approved means you meet out initial criteria '' It seems to me that this is " Pre-screened '' not " Pre-approved ''
Product: Mortgage

These lying thieving crooks at Ocwen has crosssed the line ; but on second thought, I do n't think it is Ocwen. Ocwen 's Attorney, XXXX XXXX filed provided false information of ownership to a company called XXXX, and they broke into my home ; broke my door ; ripped up my carpet ; and tried to have my utilites transferred to their name. They told XXXX that they filed foreclosure ; aka stole the home on XX/XX/XXXX ; but the attached letter from Ocwen 's Ombudsman said that they would have a written response by XX/XX/XXXX. These guys are a joke ; that is no longer funny. We filed a Police Report ; and they are filing charges of Theft By Conversion. Ocwen 's Attorneys XXXX XXXX hope that we go to Civil Court to resolve it ; but we are NOT. That ' s just billable hours in front of a clueless Judge who is part of the problem. The Punitive Damages will come later in a Federal Court ; after the criminal issue. We are working with Law Enforcement ; both local and Federal ; and at the right time will get an Investigative Reporter involved to expose all of this mess. We are also contacting our Congressman and Attorney General. As Veterans, we are tired of hearing thank you for your service ; and continously going thru this known crime. This Company, Ocwen that has been sued AGAIN for Theft Of Homes, aka Illegal Foreclosures ; and has been banned by 25 States need to be shut down ; so If they want to thank us for our Service, then hold these crooks accountable.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX*Balance Owed : {$60.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX  XXXXBalance Owed : {$7500.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXBalance Owed : {$60.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX  XXXXBalance Owed : {$7500.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00}
Product: Credit reporting or other personal consumer reports

This is now my THIRD time mailing you about some unverifiable inquiries on my credit report. To recap what I have done so far : I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Transunion multiple times informing you of this, and you too have failed to verify these inquiries XX/XX/XXXX XX/XX/XXXX Both from XXXX  XXXX and only being reported through Transunion and on none of my other reports. Which is also inaccurate.
Product: Mortgage

Here is a timeline of events : I received a form in the mail stating that I could make my payment after the XXXX of the month. 
On the XXXX, when I had the funds available, I called their customer service line and was told I could not make the payment until the XXXX. 
By the time I was allowed to pay on the XXXX, I no longer had sufficient funds to cover the remaining balance for the month. 
Today, I was informed that I must restart the entire hardship process because of this delay.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX-Retail Account # XXXX, XXXX  XXXX XXXX  Account XXXX XXXX has violated my rights. 

15 USC 1681 section 602. States I have right to privacy. 

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not without my written instructions. 

15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX 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
Product: Debt collection

Since XXXX XXXX XXXX has been attempting to collect a debt I feel I do not owe. Since then XXXX attorneys have been contracted with XXXX to collect this debt. Although I disputed the charges and the contract, in the spirit of compromise, I was willing to pay this account in the purpose of merely to have this item eventually removed from my credit report. The scheduled payment was to be {$50.00} per month which I paid religiously every month, on time. On XXXX XXXX, XXXX the 1st payment was scheduled to be made and was paid, then immediately following that in XXXX Law turns the file over to XXXX XXXX XXXX XXXX, XXXX which I again pay on time only to have in XXXX XXXX XXXX XXXX XXXX takes over the case and there is a {$150.00} balance discrepancy which, I thought, was corrected and XXXX XXXX XXXX turns the file over to Bleeker and Brody & Andrews in XXXX XXXX, XXXX now there is a {$250.00} discrepancy in the balance that is owed. XXXX XXXX, XXXX I submitted written notification to Bleeker and Brodey & Andrews notifying them and disputing the balance. XXXX XXXX, XXXX, nearly 6 months later I receive a generic reply with no supplemental or validation of the debt was submitted along with the correspondence as required by law. XXXX XXXX, XXXX Another letter is sent to Bleeker and Brodey & Andrews disputing the balance again and submitting with my correspondence all supporting documentation including proof of all payment made up to the date of my XXXX XXXX letter. No other response was ever made again by the Law Firm. XXXX XXXX was when I received another letter from another Law Firm attempting to collect this debt and now the amount is nearly doubled in collection fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting has violated several of my rights. 15 U.S.C.1681 section 602A.Clearly states that I have the right to privacy. 15 U.S.C.1681 Section 604A section2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C.1666B A creditor may not treat a payment on a credit card accounts under a open -end consumer credit plan as late for any purpose
Product: Debt collection

I was initially contacted via telephone on XXXX XXXX XXXX  from a representative from Hunter Warfield stating that they were trying to collect on a debt that I owed from XXXX XXXX which I told them that I had not been contacted by XXXX nor had I received anything in writing from their office. After speaking to several agents via telephone and being told that my asking for clarification on this matter was my refusal to take care of their alleged debt. The only thing that I was told was that I owed {$1300.00} for painting, repairs and trash removal. 

In XX/XX/XXXX I received a letter from Hunter Warfield stating that I owed a balance of {$1300.00} to XXXX XXXX. I sent them a letter dated XXXX XXXX  stating that I disputed the validity of this debt and requested that XXXX and Hunter Warfield send me documentation of all claims for repairs, painting etc. as I occupied the premises in XXXX XXXX  when the area suffered severe tornado damage. 

Hunter Warfield responded and reduced the amount of the alleged debt to {$840.00} per a conversation that I had with XXXX. XXXX XXXX is still charging me for XXXX and XXXX rent and property Admin fees when I no longer occupied the residence. 

I ultimately submitted several more letters with the documentation to Hunter Warfield proving that XXXX XXXX submitted false statements about the damage to the home, utilities that they claimed were unpaid trash that had not been removed. I have not heard Hunter Warfield since my XX/XX/XXXX letter until XX/XX/XXXX via telephone. At this time I learned that they had submitted a collection report on my credit which shows me they have no intention on correcting this situation.
Product: Checking or savings account

XX/XX/year>, my PC was hacked ( takeover ). I then reported such ID theft to FBI and XXXX. I then went to my local Chase, XXXX XXXX XXXX Citi banks and reported the takeover, and I got my PC operating system changed to fix the takeover fraud. My XXXX and XXXX XXXX banks quickly reversed all frauds in my checking accounts. However, Citi Bank did not LOCK my checking account ; did not speak XXXX in their XXXX XXXX ; and, are still withholding {$950.00} from my {$15000.00} checking account. 
I am now locked out of my Citi checking account, and the tellers tell me if I close my checking account, I will never get the {$950.00} back in my possession.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

Ditech mortgage is misapplying my full payment to cover an escrow shortage. This is making my account appear to be delinquent. They have done this the past 2 months.
Product: Credit card or prepaid card

I HAVE BEEN A VICTIM OF IDENTITY THEF. THE INFORMATION IN MY CREDIT RPEORT IS NOT ACCURATE. ( 15 U.S. CODE 1679c ) PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE. ATTACHED IS THE IDENTITY THEF REPORT AND MY PERSONAL INFORMATION. IF THESE ACCOUNTS ARE NOT DELETED FROM MY CREDIT REPORT, I WILL BE SUING.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information : ( A ) In general, if 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.

Please remove the following items from my credit report, immediately : XX/XX/XXXX : This account is being reported inaccurately, please remove it from my account. 

XX/XX/XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXXXX/XX/XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX : This account is being reported inaccurately, please remove it from my account. 

XX/XX/XXXX: This account is being reported inaccurately, please remove it from my account. 

XX/XX/XXXX : This account is being reported inaccurately, please remove it from my account. 

XX/XX/XXXXXXXX : This account is being reported inaccurately, please remove it from my account. 

XX/XX/XXXX: This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX XXXX This account is being reported inaccurately, please remove it from my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate, XX/XX/XXXX late payment.
Product: Payday loan, title loan, or personal loan

I entered to AGREEMENT XX/XX/XXXX. 3 month long. High interest trying to get money to bury my sister. They changed the lone from a 90 long to a 68 day lone and charged me interest ... I wrote them a long email and explained that I didn't agree to those terms. They put the money back in my account. Lost check returns etc ... got my stimulus money and after less then 30 days. They're charging me late fees for them illegally taking money out my account and tell me that I gave them permission to when I have documentation that I didn't. I've asked them time and time to send me documentation that I did and they say its online ... and yet they charged me nearly XXXX for a 90 day loan that at the most should have been XXXX plus the XXXX ... how's its XXXX for 20 days. On a 90 day loan I'm clueless how they came up with that
Product: Debt collection

XXXX dollars XXXX it was about five years ago and its on my credit still to this day!! I can not do anything because of this!! I tried to settle during COVID-19 crisis and at that time I couldnt reach anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my credit file report the following account on debt collection- HELVEY AND ASSOCIATES- Collection Agency- Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Original Creditor- XXXX XXXX I have never requested service with those company. This is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called XXXX XXXX And trans union trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have XXXX accounts XXXX with XXXX XXXX  and XXXX with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.