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

I filed a dispute against XXXX XXXX XXXX  early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX XXXX  university ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX XXXX  responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.
Product: Credit card

I called Bank of America on XX/XX/scrub>XXXX XXXX XXXX, on or around XXXX XXXX XXXX. I spoke to a female agent named XXXX. She was rude and had an unprofessional tone of voice. She then placed me on hold while I was still speaking. I never used profanity. This is inappropriate. In addition, I have the phone call recorded as evidence.
Product: Credit card or prepaid card

Hello, There is a return fee charge of {$29.00} on my Barclay Credit Card account that I requested a refund for. This fee was assessed due to an erroneous return payment of {$210.00} issued by Barclay Credit Card. I've reached out to Barclay via phone on XX/XX/2020 at XXXX XXXX  and spoke with XXXX ID # XXXX, reference # XXXX. I spent one hour and 20 minutes explaining to XXXX the problem. We even had a conference call with the bank from which the payment was drafted and credited from. The bank confirmed that there were enough funds in the account to cover the payment and there were no stop payments or holds on the account. There was no reason that this payment should have been returned and no reason for a {$29.00} return fee charge to be assessed on my account. I am entitled to a credit however, XXXX refused to accept these facts and would not issue my credit. 

I then emailed the company to request that this matter be resolved and that this issue with their employee XXXX be reported to his supervisor XXXX ID # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX Has violating my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

When I contacted Chase about the account listed on my credit report for validation and to make a goodwill payment, they responded saying they do not have records of an account in my name/social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company not licensed to collect in the state of Illinois. This is a violation. They also never presented a contract showing I owed them any money. 

I noticed my credit report had a collection account on it. I immediately sent the company a letter. They in turn sent me a letter dated XX/XX/2019 regarding my request for reinvestigation. Issue is, I never requested anything be reinvestigated. I have never done business with XXXX XXXX XXXX, XXXX. What they did was send me a bill from another company and 2 pages of a rental agreement bearing the name of a rental   complex. That agreement does not show XXXX XXXX XXXX, XXXX to be the company due payment, yet they sent that with an expectation of payment to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America reported a late payment on XXXX, 2017. I was put in this position because of BofA. BofA website itself doesnt have an easy mechanism for setting up autopay. Their agents on phone setup a recurring payment which isnt based on the statement balance and the way they set it up it deducts money even if there is no balance on the account. It is for this reason that I had to remove a previously setup autopay. During XXXX, 2017 I was traveling out of the country and didnt have access to internet and missed paying the amount. Recently, when I enquired about the credit report, their rude staff told me that I had refused autopay in the past so they wouldnt delete the report. After that call, I had called again to setup autopay and I wasnt able to, the agent on the phone directed me to webpage and what was shown there and what I was seeing on my phone was different. After probably a few more calls, an agent walked me through setting up autopay on my account. Firstly, for some weird reason I had to give access to the bank, to access my statements and then I think I had turn off paper statements and only then I was able to setup autopay. No other credit card provider has such contrived illogical process of setting up autopay. It appears that it is a deliberate attempt from BofA to trouble its customers and inflict damaging credit reporting. My credit card number is XXXX XXXX XXXX XXXX. 

Even today after autopay had been setup by the agent on the phone, the bank continues to pull money even if there is no balance on my account.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

CREDIT COLL XXXX Balance {$170.00}
Product: Debt collection

I received a debt collection letter on XX/XX/XXXX claiming I owed a debt to a gas company from XX/XX/XXXX. I have never received a bill from the company they claim I owe money to. The collection letter was listed under a previous last name I have not legally used since XXXX. The debt was unfounded by the company and they did not pursue it any longer. On XX/XX/XXXX the debt was sold to another debt collector. The debt was unfounded and they no longer pursued it. On XX/XX/XXXX the debt was sold for a third time. This debt collector has sent me the same 4 letters and I have sent them 4 letters in response explaining this issue in detail. I have not heard from them again since the last letter I sent on XX/XX/XXXX. I received an alert that they reported to the credit bureau. They did not prove I owed the debt. They could not come up with a bill. The company they claimed I owed the debt to could not provide a bill or account number as well.
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super XXXX  and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The accounts below should be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX and advise of unauthorized inquiries on my report and that was probably due to identity theft. And asked for them to be removed. They advise me that they can not remove them and I had to contact the merchant. I advise them that they were in violation of the FCRA ACT. And by acknowledging that they too would be held accountable. I filed a identity theft report with Ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXXXXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX  Inquired on XX/XX/XXXX LEASE END Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/2022 I called Credit Karma who is my banker.. I have a debit account with them. My stolen & used. Because Ive been broke I havent used it much but I realize it when I received a {$50.00} XXXX payment. I called Credit Karma to dispute charges that wasnt made by me. Everytime I called I had to give him/her the charge amount I was disputing. So they acted like they were disputing but wasnt.. I asked for Corporate number & stated I didnt want to talk to a Call Center Manager.. Apparently I had no choice.. They stated itll be up to 10 days for my results. That was a problem I had 2 XXXX payments that was applied to my disputed charges. I checked my account for my results They denied me. I called very upset.. I was told someone will contact me.. Im still waiting for that. I just want whats owed to me.. {$76.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance {$0.00}
Product: Debt collection

Delete the identity theft-related accounts from my credit file within the required timeframe, as mandated by FCRA. This is a final warning : If the listed accounts are not blocked or removed, legal action will be taken, and my attorney is ready to ensure accountability for your noncompliance. XXXX XXXX XXXX. Please remove.
Product: Credit card

I made my payment as agreed. I seen on my credit report that the payment amount due per month was increased to {$94.00}, but I was not informed. I just looked at the payment due and even though I made a payment, they charged a late fee and an unknown fee again. This is now the 7th month in row they have done this type of practice. Not informing me of the change in payment amount is illegal in itself.
Product: Debt collection

I tried contacting them on XX/XX/XXXX to pay this in order to get it deleted from my credit. They refused so I called the originator of the debt and that was when I found out that they returned this debt to the originator in XXXX as uncollectable, yet they are still reporting it on my credit report when they do not own the debt. This is why they couldnt delete it, because they do not own it.
Product: Debt collection

I have been receiving numerous calls from a blocked number the past few days. This evening the number finally left me a message. The caller stated she was calling from Bank of America on an important servicing matter. Her name is XXXX XXXX. In her message she said she wanted to discuss options that may benefit me however my input is needed on this matter and to call her back to discuss the options. I figured this was regarding my Bank of America checking account so I called the number she left me back. I spoke to a different representative and they told me there were no options to discuss and that this was an attempt to collect a debt. Not once was it mentioned in the message that this was an attempt to collect a debt or that it was related to my credit card. It was misleading. I already have an agreement with Bank of Americas collections department and have been paying the agreed to amount for the past 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 18 accounts on my credit report that do not belong to me I have been in contact with the bureaus and the furnishers and they are not helping me out I have been going and forth with them regarding these accounts they are not mine I dont know how welse to say this!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Bank account or service

The bank we are operating with, has giving us checkbooks with an error in the account number. We have made payments with some of those checks and all of them were not cleared for that reason. As a result of such those mispayments XXXX of our cars hase been repossessed and so far the bank has done little to nothing to resolve this situation.
Product: Debt collection

Southwest Credit systems on behalf of XXXX have reported to the credit bureaus that I have an outstanding debt in the amount of {$2500.00}. After sending letters and speaking to XXXX of their agents on XX/XX/XXXX confirming that the debt is not mine based on the information they have. This company has failed to remove the inaccurate information from my credit report.
Product: Debt collection

I have contacted Mutual Management Services LLC repeatedly a number of times after discovering this account on my credit report. The first 3 times i reached out all representatives i spoke with claimed to not be able to find the account, which i initially did not find strange because i did not have any knowledge of this debt. After contacting the credit bureaus and confirming that this collection was on my credit report i called back and was tossed around to different reps until someone was able to locate my account. They said a debt of over {$10000.00} was owed to a company called XXXX XXXX which i have absolutely no knowledge of! i let the rep know that this account was either fraudulent or belonged to someone else. The rep thanked me for notifying them and said that they would notate the account and i would stop receiving notifications from them. That coversation was in XXXX. Still this fraudulent information remains on my credit report and mutual management services is refusing to remove it. I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I have attached police report and identity theft report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent account/transaction with XXXX XXXX XXXX XXXX XXXXhat appears on my credit report. I believe this matter constitutes identity theft, as I was not responsible for this account or transaction. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting the following : 1. Removal of this fraudulent account/transaction from my credit report. 
2. Documentation of the investigation into this matter. 
3. Immediate cessation of any collection activities related to this account. 

This dispute stems from the fact that in XX/XX/year>, during the timeframe this account/transaction was allegedly initiated, I was in XXXX on XXXX XXXX, as I work for the XXXX. This situation makes it impossible for me to have opened or authorized any account or transaction with XXXX XXXX XXXX XXXX. 

To support my claim, I have enclosed/attached : - A copy of my government travel itinerary or relevant documentation proving my location during the disputed timeframe. 
- A completed Identity Theft Report filed with the Federal Trade Commission ( FTC ). 

Additionally, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure that this matter is properly reviewed and that my rights under federal law are protected. 

I request that you investigate this matter thoroughly and provide a written statement of your findings. Please address this dispute within the required 30-day period. 

Thank you for your immediate attention to this matter.
Product: Credit card

Awhile back, on XX/XX/XXXX I locked my keys in my car and I contacted a locksmith. He overcharged me XXXX. I knew he overcharged me because later that day when I came home from work, I contacted other locksmiths and they only charge XXXX at the most. I contacted my bank, Chase, and I told I was completely unhappy with the service I received, and they first offered to give me credit. Well.. today I received a letter stating they are in favor of the locksmith.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and on XX/XX/2023 I submitted written requests to the credit bureaus to investigate my credit file. I requested they investigate XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX 

These accounts are reporting incorrectly and the credit bureaus have not sent anything to me at all and its been over 60 days. What's even scarier is that they have also not put any dispute verbiage on my credit report which is illegal. They are required to put dispute verbiage on accounts in question. the bureaus are circumventing the FCRA and not investigating my file per my rights and I am outraged. This is their job.