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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Tried to dispute with creditor. Stating that according to 15 usc 1692c then the law clearly states if a consumer notifies a debt collector and the consumer refuse to pay debt the collector must cease all communication. Reporting to my credit. Reporting is a sign of communication
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights.15 usc1681 section 602 a : states i have a right to privacy.15usc 1681 section 604 a : also statesa consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I am filing a complaint against Bank of America XXXX BofA ) regarding an unresolved fraud charge on my credit card. 

On XX/XX/XXXX, a fraudulent transaction of {$68.00} occurred at XXXX XXXX, which I reported within five minutes. I disabled my card immediately. The store employee confirmed the transaction was made using the tap-to-pay feature, which I was told is immune to fraud. My card was never lost, stolen, or given to anyone else. I suspect BofA activated an additional card with the same number as the card I had when I activated my own. Regardless, I can not be held liable for a transaction I did not authorize.

However, my credit card statement shows three entries related to this incident : - XX/XX/XXXX : Fraudulent transaction : + {$68.00} ( posted on XX/XX/XXXX ) - XX/XX/XXXX : " FRAUD DISPUTE '' : + {$68.00} ( posted on XX/XX/XXXX ) - XX/XX/XXXX : " FRAUD DISPUTE '' : {$68.00} ( posted on XX/XX/XXXX ) I was charged twice for the same fraudulent transaction, and when I called BofA on XX/XX/XXXX, the representative had no explanation. Furthermore : - I was never notified of the second charge. 
- There's no option to dispute this transaction on the app or website. 
- I was never informed about the resolution of my fraud dispute or the outcome of the investigation. 
- The fraud dispute letter was never mailed to me nor made available online. 

This lack of communication and transparency has caused confusion and inconvenience. I am concerned these charges may impact my credit standing.
Product: Debt collection

Case # : XXXX XXXX XXXX XXXX , XXXX. 
ACCOUNT NUMBER XXXX LOAN NUMBER XXXX Sent on : XX/XX/XXXX STATUS : Company responded the complaint does not belong to them on XX/XX/XXXX Dear CFBC team, Thank you once again for your kind assistance. XXXX XXXX XXXX , XXXX. s response leaves us a little confused based on the following premises : 1.If the complaint does not belong to them as they boldly claim, then why did they accept our certified mails and signed all three return receipts? 
2. If we had no business with them then why did they give us an account number in the first place? Why are our business transactions recorded in their books, why do they send us financial statements? 
3. If the foregoing argument has all true premises and a true conclusion, then it is valid and we have reasons to believe that : XXXX XXXX XXXX , XXXX. s response is a false statement made to a federal agency and certainly constitutes federal lying statutes contained in Title 18 of the U.S. Code Section 1001 which states that : Whoever, in any matter within the jurisdiction of any department or agency of the United States knowingly and willfully falsifies, conceals or covers up by any trick, scheme, or device a material fact, or makes any false, fictitious or fraudulent statements or representations, or makes or uses any false writing or document knowing the same to contain any false, fictitious or fraudulent statement or entry, shall be fined not more than {$10000.00} or imprisoned not more than five years, or both. 
We do recognize the dependability and reliability of the United States Postal Service ( USPS ).  Please find attached proof from the USPS and act accordingly. Thank You
Product: Student loan

The servicers in question are XXXX XXXX XXXX XXXX XXXX, Navient, and XXXX XXXX. 

Loan servicers XXXX XXXX and Navient have misplaced funds totaling {$6500.00} that is owed to me. 

On XX/XX/2020, I applied for a consolidation of a federal Perkins loan held by the University XXXX XXXX XXXX and serviced by XXXX XXXX, and selected XXXX as my servicer. 

On XX/XX/2020, I paid the Perkins loan serviced by XXXX XXXX in full, as I never heard from Navient about my loan consolidation. 

On XX/XX/2020, weeks after the loan was already paid in full by myself, XXXX XXXX received a payoff from Navient, thus meaning that I had a credit of {$6500.00}. The same day, XXXX transactions show a debit of that same amount, but with no details. A customer service agent claims that XXXX refunded the money back to Navient. However, Navient went ahead with the consolidation and pushed the loan to XXXX XXXX XXXX XXXX XXXX, which had a loan balance of about {$6500.00} added to it, which is a new liability for me although I paid the Perkins loan in full already on XX/XX/XXXX. 

On XX/XX/2020, I called Navient, and they know nothing about a refund from XXXX. XXXX claims they can not provide documentation to prove it was sent to Navient, so Navient will not give me my money back or look into it. XXXX has not sent me any official paid in full documentation or otherwise. XXXX has not provided any timeline or support in getting me documentation of this alleged transfer of money back to Navient.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ADDRESSES ALL ADDRESSES LISTED BELOW IMMEDIATELY I NEVER LIVED THERE AND THIS IS A RESULT IN FRAUD : I ALSO ATTACHED MY CREDIT REPORT TO SHOW INCONSITENCE XXXX XXXX XXXX XXXX, FLXXXX PLEASE REMOVE ACCOUNT LISTED BELOW FOR EXPERIAN ( LETTER ATTACHED ) SAID THEY WILL NOT REMOVE THE ADDRESS UNLESS THE ACCOUNT IS REMOVED WHICH IS A FRAUDULENT ACCOUNT ATTACHED TO A FRAUDULENT ADDRESS PLEASE REMOVE THIS ACCOUNT IMMEDIATY.

ANY FURTHER WILL_NEGLIGENCE WILL BE USED FOOR ANY LEGAL ACTION AND VIOLATION AND DEFAMTION OF CHARACTER.
Product: Debt collection

Jefferson Capital - XXXX - Is reporting on my credit for a debt I do not owe. It was sent to collection in error and it has already been paid. 
I never received a notice regarding this, I only saw it on my credit report. This is in error!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I had alerts on my credit reports. All credit reporting agencies, XXXX, XXXX, and Experian were not allowed to give out my credit report information without first contacting me and me allowing and verifying that I auhtorized it. They are not doing it. I have Hard Inquiriess on all my Credit Reports and they will not remove them. They know they XXXX  up. Please make them remove all Hard Inquiries from my Credit reports. Thak you
Product: Student loan

Navient services all of my federal loans as well as private loans. However, there is XXXX loan to which I have a discrepancy with. I 'm not even sure I even owe the money that Navient claims that I owe. I submitted an application in XX/XX/XXXX requesting to borrown money. However, I ca n't recall ever receiving the money. It is a {$27000.00} loan that Navient said was sent directly by me, however there is no documentation on my end that this check was ever deposited in a bank. And the loan has accelerated in penalities and interest to {$80000.00} which they wo n't reconciled by XX/XX/XXXX. I have requested in writing by certified mail, as well as in numerous telephone conversations that they send me a copy of the signed promissory note and front and back of the endorsed check, to which their either ca n't or wo n't provide. Yet the phone calls are relentless. They call my phone 3 to 4 times a day, have called my work and left a message ( which I work for a alternative school and am not allowed personal phone calls ) and they send letters and calls to other members of my family. I am not avoiding them, but have simply requested proof that I actually borrowed this amount of money. And I have also requested a reconciliation of all of my accounts being serviced by Navient in an attempt to find another loan institution that would be willing to consolidate the debt for me and give me a monthly amount that perhaps, I could afford to pay. That request has not been honored either. They say that on XX/XX/XXXX, they are going to turn me over to a lawyer, but yet will not provide me with the documentation I believe I am entitled to review.
Product: Debt collection

Credit Consulting Services, ( XXXX XXXX XXXX # XXXX XXXX, XXXX ) Put a levy on My account for the debt I do not owe. They do not provide Debt Validation. 
They ended up with a default Judgement due to the fact they had sent all Summons to my previous address and wrong one. They do not respond to my request for Debt Validation
Product: Debt collection

XX/XX/20 VANCE AND HUFFMAN LLC I have never done business with nor did I have a written agreement to make any payment to them. Company is stating I owe them {$1100.00}.
Product: Bank account or service

This complaint is in regards to the false reporting, False information and poor privacy and security of thr Bank of America in XXXX California where I had account with them since XX/XX/XXXX to XX/XX/XXXX. My account was compromised due to lack of their efficiency to resolve or to atlest have a better communication within their departments. I am fighting to attain my lawful rights and clear my name through XXXX where they had reported me even I disputed that amount of {$810.00} and i kept on sending them IDTheft documents and BOA never investigated that issue and where the funds went because those funds were made available to me and was never had any problems with it and they never received it back so unknown person came in and took my money. The next thing i knownisbthat I am receiving the calls from Collections and investigations firm called XXXX XXXX XXXX XXXX. I then sent out XXXX XXXX affidavit of Identity theft with explanation and after their investigation thry cleared me that you are zero liable and they should return your XXXX. First of all reporting to XXXX system knowing the account holder is victim of IDTheft and it 's a violation, Collections is another violation because I had suffered a lot because every bank i would go they would n't let me open an account. I was very disappointed and discriminated because of their wrong doings and even now when everything rechecked ro it 's conclusion and the Fraud and if theft department specialist named XXXX and said it 's all cleared just send in the XXXX paper saying they had stopped the collections due to the investigators proved that I am zero liable and did n't do anything wrong. Since 3 years I have been asking them and they are making me go from one department ro other and no one seems to help. Secondly, then BOA 's cancelling my checks alia also a illegal act for which I am going to report then to XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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

TransUnion is reporting XX/XX/XXXX and XX/XX/XXXX late and attached is the XXXX letter showing I was in Forebearance during that time and before that time. Also attached is payment I made which further invalidates the late entries. This is incorrect, illegal and a violation of the fair credit reporting act.
Product: Debt collection

I received 2 invoices for unpaid tolls by Florida XXXX. XXXX invoice was sent to me in XXXX of 2022 the other was sent to me on XXXX of 2022. I paid both of those invoices when I got them but for some reason they got sent to Valor Intelligent Processing for collections. I went through the dispute process on Valors website and sent them the proof of payment for both of the toll invoices as well as the statement from my ipass transponder ( which is used as a backup when incase sunpass doesnt work ) and it showed that my ipass also paid some of the tolls that were accrued on XX/XX/XXXX and XX/XX/XXXX of 2022. They denied my dispute by sending me a generic email that very clearly showed they took no time to look at my dispute as it was addressed to Sir or Madam and the body of the email simply said " XXXX only sends your invoices to us when they don't receive a response for the unpaid tolls '' However I paid both the invoices so clearly I responded. I then called someone at Valor Intelligent Processing and they kept telling me that they had " No proof of payment '' even though I sent them 3 different proofs of payment. They have refused to acknowledge this debt is paid which has now caused a hold to be placed on my registration so I can no longer renew it. 

I also contacted XXXX about this incident and they agreed that they made a mistake and confirmed that my account was in good standing.
Product: Credit reporting or other personal consumer reports

For the last XXXX years i have been disputing with Lightstream/Truist Bank  XXXX XXXX ) about their reporting of late payments and multiple charge offs for XXXX account that they claim has a {$4800.00} balance. On XX/XX/year>, I sent them a cease and desist but they continue to report negative and inaccurate information. Furthermore, Truist Bank has insurance on all its accounts up to {$250000.00}. Upon information and belief, the FDIC insurance has been applied to my account but i have not experienced the benefits of it. 

When i requested an accounting of the account, Truist Bank sent me statements, which was not what i requested. i returned those statements to the sender. 

As a result of this XXXX year long battle, i have lost personal and business credit opportunities. i have been harmed terribly by the inaccurate information that Truist is reporting to the XXXX consumer reporting agencies ( and probably several other CRAs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I do not recognize these inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2021 I mailed a cashiers check in the amount of {$19000.00}. They posted the payment on XXXX. This was a cashiers check paid out of an attorneys escrow account. They place an additional 10 day hold on these funds.
Product: Payday loan, title loan, personal loan, or advance loan

I Dont Have Any Use Or Acknowledgment Of This Inquiry On My Credit Report And I Did Not Consent
Product: Money transfer, virtual currency, or money service

About a month ago, I opened an account with Strike on their app in hopes of being able to send and receive money with family and friends. After patiently waiting and several obscure and smart alec emails, I am still unable to use this account. The only thing that happens when I try to use the app is it displays : " we need to review your account. '' I have given up on trying to use Strike for anything. So, after officially requesting to delete my account and personal information, I received an email stating they can not do that citing the Gramm-Leach-Bliley Act ( GLBA ). I was also NEVER given to opportunity to " opt out '' of sharing my personal information since opening my account.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX XXXX the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$20000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XXXX/XXXX/XXXX : Balance XXXX XXXX/XXXX/XXXX : deposit XXXX XXXX/XXXX/XXXX : new balance XXXX XXXX/XXXX/XXXX : overdraft fee XXXX XXXX/XXXX/XXXX : verizon payment XXXX XXXX/XXXX/XXXX : purchase XXXX XXXX/XXXX/XXXX : new balance XXXX XXXX/XXXX/XXXX : another overdraft fee XXXX XXXX/XXXX/XXXX balance XXXX My financial institution would NOT remove/replace the XXXX {$140.00}
Product: Bank account or service

After being lied to by an account specialist and then disrespected by a senior manager. I have overdraft or debit card privileges, to be honest I have overdrafts my account a few times but have numerous deposits that are automatically deposited in my account every month, I use those overdrafts on my debit card when I absolutely just have to and generally it 's on a bill. I was never notified that Chase Bank had made the decision to stop this after this account has been open more than 3 years. I pay my dues and even more from their fees that they benefit from, I find this unfair and kind of discrimination towards certain customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for XXXX credit, insurance, employment or other services XXXX with your company. 
This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 
To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. 
Sincerely, XXXX XXXX