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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX Inquiry Date : XX/XX/2023 XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX Mortgage about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX to refund XXXX  of dollars from the error that was made. Ive never been late and I believed the XXXX XXXX Mortgage representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXX XXXXXXXX Mortgage reported the mortgage as late, my score plummeted and XXXX at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXXXXXX Mortgage ( one has already been completed ). XXXX XXXX Mortgage can schedule the payment if they want assurance. XXXX XXXX Mortgage knows this isnt my fault yet Im being penalized because of a terrible error from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third Attempt to have this account with XXXX XXXX Verified. I have sent in letters to all three reporting agencies and I have yet to receive any feed back and it has been over 3 months and no one has corresponded with me anything on my investigation. I have sent information in to the business to have this account verified if I can not obtain legal verification of this account I would like for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN INQUIRIES INCLUDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX DATE XX/XX/XXXX Below are all laws broken on my report. 

n accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person
Product: Credit reporting or other personal consumer reports

Customer Service Department Bank of America Subject : Request for Removal of Negative Information from Credit Report under 15 USC 1681n Dear Bank of America, I hope this message finds you well.

I am writing in regard to negative information that has been reported on my credit file in connection with my Bank of America account. After reviewing my credit report, I believe this information has been reported without my consent and may constitute a violation of the Fair Credit Reporting Act ( FCRA ) as outlined under 15 USC 1681n.

Specifically, the FCRA requires that any information furnished to credit reporting agencies must be accurate and fair. In this case, I never provided express consent, either written or universal, for the reporting of negative information on my personal account. Furthermore, Congress response to the XXXX pandemic in XXXX  highlighted the importance of protecting consumer credit during these uncertain times, especially as the pandemic presented numerous unprecedented challenges for many Americans. 

Given the circumstances and in accordance with the FCRA, I am formally requesting : A review of the negative information reported on my credit file and its immediate removal, as I did not authorize its inclusion. 
An explanation of the processes you have in place to ensure that consumer consent is obtained before reporting negative information. 
Written confirmation that any negative information related to my Bank of America account has been removed or corrected from my credit file.

Please note that under 15 USC 1681n, unauthorized or inaccurate reporting may entitle a consumer to seek damages for willful non-compliance with the provisions of the FCRA. I trust that Bank of America will handle this matter promptly and avoid any need for escalation. 

Thank you for your attention to this important issue. I look forward to your timely response and resolution. 

XXXX XXXX without predjuice UCC 1-308
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number:XXXX and list of Inquiries.

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: Checking or savings account

US Bank is holding my social security deposit in the amount of {$1200.00} I first noticed there was a problem with my bank account when a debit card transaction got declined on XX/XX/. I immediately contacted US Bank customer support and they could not provide a clear answer as to the status of my account, they just told me the funds on the account could not be accessed and I would receive a check in the mail. 
I then visited on the same day XX/XX/ the US Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and I got different conflicting information from the staff at the bank. First spoke to a banker and she said the account was closed but that I could withdraw the funds in the account. Then I proceeded to withdraw the funds in the account but the teller first asked why did I want to withdraw all the funds in the account since the account was still active. But later she said the account was closed and the funds could not be withdrawn. Then I spoke to the branch manager, he apparently did not have business cards and wrote his name on a piece of paper, XXXX XXXX, and he said the account was closed on XX/XX/XXXX  and that I would get a check for the funds in the account within 5 to 7 business days. And finally today XX/XX/2023, I contacted US Bank customer support again and was given different information again ; now they said the account is not closed and is still under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Kindly ensure the accuracy of the account mentioned here in my complain. As a matter of fact I am not agree with this. I demand for your immediate correction and please investigate this unverifiable account : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Certified Mail TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Credit Report Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXX XXXX XXXX ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
TransUnion previously removed the accounts from my credit file, but I recently discovered this debt is back on my TransUnion credit report. As XXXX XX/XX/XXXX, TransUnion began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago. 

Please let me know if you have any questions. 
Sincerely, 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

The debt in dispute is actually a much bigger problem that it appears. First of all the account was with XXXX XXXX, in default XXXX XXXX. The Fair Debt Collection Practices Act is in play here. The timeline for any collection process ended at six ( 6 ) years in the state of New Hampshire. That date has come and gone. Secondly, XXXX XXXX sold the debt without any assigned proof, and the collection agency maintains a negative item across the board on all credit bureaus, along with XXXX XXXX. Under the Fair Credit Reporting Act, the XXXX XXXX account is at seven ( 7 ) years past the first late payment, and as the 7-year rule goes, all aspects of the account must be deleted permanently. I demand a purge of my information from both XXXX XXXX and XXXX XXXX XXXX. I have attached a copy of an illegal collection from XXXX XXXX XXXX. By law, this matter is dead on all levels. There is no further attachment to credit as well as collection. I demand this account be deleted permanently by XXXX XXXX XXXX in addition to XXXX XXXX. I demand a full review of this illegal collection practice by the Consumer Financial Protection Bureau, a division of the Federal Trade Commission mandated under Dodd Frank XXXX. This matter must be resolved immediately and all aspects of my file information must be purged permanently. The attached credit bureau posts show the first late payment XXXX XXXX, and as such the timeline can not be extended. Accordingly, I am well within my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Debt collection

I received a debt collection phone call in XX/XX/XXXX which they were told that I didnt owe any money and the call was disconnected. I received a letter ( XX/XX/XXXX ) with interest added from IQ DATA International attempting to collect debt for an address that I never resided. In addition this company is not licensed in the State of IL to collect debt and is not in compliance with the law. They have placed a collection on my credit report and I would like it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, Equifax and XXXX : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, Equifax, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.
Product: Debt collection

This is a third party company and they do not own the debt. This company keeps adding interest to a collection that they do not own. Im not sure of why this agency is reporting on my credit report.
Product: Checking or savings account

On XX/XX/XXXX Citibank emailed me confirming enrollment in the Member Cash Checking Offer. I had agreed/enrolled & deposited {$30000.00} + with them before that date to qualify. I read & met all terms & conditions. Things like making an online payment with the checking account. I met these by XXXX XXXX. They were to deposit {$500.00} within 30 days of meeting those items-into my Citibank checking account. They did not. I called them on XX/XX/XXXX. During a long call they reviewed & advised " yes, you are correct. You are qualified. '' You met all conditions. They would file a dispute for investigations. Give them 5 business days to deposit my {$500.00}. I called on XX/XX/XXXX. Gave me specialist, then another. Told high volume, will take 21 days, not 5. I called on XX/XX/XXXX Told them 4 weeks since called & 5 months since qualified & due money. They marked request urgent. States high volume for bonuses & taking 30 days. Dispute specialist working on. I called XX/XX/XXXX after getting a letter giving wrong promotion code & saying I got Airline miles in early XXXX so this is resolved. This has nothing to do with the checking acct. offer. I still have {$30000.00} deposited with them. I am told call credit dept. instead of them, credit offer. No - checking account deposit & checking offer. I have XXXX email. Request & talk to supervisor. Can I send email verifying checking account cash back offer? No. He will flag it to say error & should be cash bonus offer. New dispute filed. Long wait. Will take 5 days. This is beyond frustrating and my money is stuck in a non-interest bearing account that they are making money off of daily. They owe me {$500.00} clearly & won't pay it. They pay offshore staff to take calls from frustrated customers and put them on delay. This is unacceptable. Can you please get Citibank to honor their commitment and pay me my bonus right away? This feels like a scam and fraud to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$1200.00} XXXX XXXX {$160.00} XXXX XXXX {$64.00} XXXX XXXX XXXX {$8800.00} XXXXE XXXX XXXX {$5000.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$1300.00}
Product: Student loan

Provided documentation from my institution, proving that I was not enrolled in school during the five years that my loans were placed in in school deferment. 

Mohela reportedly stated that because my loans were obtained prior to enrolling with Mohela that they could not make changes to my loan status. 

Upon communicating with XXXX, my prior loan servicer, they stated that they no longer have my records and Mohela would be responsible for addressing this issue. 

I also filed a complaint via studentaid.gov in XX/XX/2023, regarding this issue and have still not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXXthru XX/XX/XXXX timeframe.

2 ) The address provided to and reported by XXXX   is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX  and Convergent failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX XXXX Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX and Convergent to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.

It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Product: Debt collection

I owed a debt to XXXX Bank .i tried to attempt to set up a payment plan. When I made the first payment, they never reported it to the credit bureau, and when I called back about it, I was told I was given the wrong information and that they dont report it until the debt is paid in full also from another creditor, I found out due to me being on Social Security XXXX benefits That Im exempt, and they used to unfair deceptive practices with me, threatened for it to go to court and I looked at my credit report and they reported this new debt of {$120.00} and then my credit score decreased by XXXX points. I want this rec.
Product: Credit reporting or other personal consumer reports

The first account, account number XXXX, reference number XXXX The second account, account number XXXX, reference number XXXX I do not owe this debt, I did not or do not give this company any permission to access or report anything on my credit report. PLEASE SHOW ME A LEGAL SIGNED CONTRACT BETWEEN XXXX XXXX XXXX and LVNV FUNDING LLC. You can not because I do not have a signed contractual agreement with your company. Stop sending me a bill and send me the original signed contract with my signature. 

I am responding to a debt you are trying to collect. I also have the right to request validation of the debt that you claim I owe this company. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also because you are a third party collector, you have no permission to furnish any information on my credit report initially. The law clearly states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didn't do that, there is no way I would ever give a slimy collection company permission to slander me on my credit report. 

Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from your company. I'll break it down very easy and simple for you, but if you fail to provide every single thing I request from your company, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which you have submitted this unverified and un-validated information. This is requesting PROOF OF CONTRACT to substantiate your claim. Where is the legal binding contract that I have signed showing where we have a contract? Where is the original signed contract from the original creditor? Do not show me a bill from the original creditor, show me a legal binding contract that I have signed with your company stating this debt is indeed mine. 

I request your company to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming LVNV FUNDING LLC as an entity entitled to enforce a commercial claim, you do not conduct commerce against me.
Product: Credit card or prepaid card

I HAVE A GOOD STANDING CREDIT CARD ACCOUNT WITH TD BANK SINCE XX/XX/XXXX WITHOUT ANY LATE PAYMENTS. LAST TIME I MADE A PAYMENT WAS THROUGH ONLINE AUTOMATIC SYSTEM. ACCOUNT WAS NEVER LATE AND ALWAYS BEEN A GOOD STANDING. MY CREDIT IS EXCELLENT FROM ALL THREE CREDIT REPORTING AGENCIES. 
I TRIED TO LOG IN SINCE LAST FEW DAYS AND TRY TO CHECK MY ACCOUNT IT DIDN'T GAVE ME FULL ACCESS TO IT. I CALLED BANK THEY GAVE ME NO REASON AND TOLD ME MY ACCOUNT IS IN COLLECTION. 
ON XX/XX/XXXX I WENT TO TD BANK XXXX NEW JERSEY BRAND AND SPOKE TO BANKER SHE TRIED TO HELP ME AND CALLED CUSTOMER SUPPORT AND WE BOTH GOT SAME NO REASON ANSWER AND THEY TOLD US THAT WE ARE GON NA RECEIVE LETTER WHY MY ACCOUNT IS CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting incorrect information on my consumer report. They are reporting charged off accounts as open and reporting medical information on my consumer report. According to FCRA all information reported must be 100 % accurate and verifiable.
Product: Debt collection

My ex roommate/girlfriend obtained my ssn and with assistance from new partner acquired and pulled loan using my ssn and login information from XXXX XXXX to obtain this loan National credit XXXX XXXX XXXX XXXX XXXX XXXX La XXXX Reported in XX/XX/year>XXXX XXXX and XXXX XXXXXXXX 
This belongs to