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

The following rights have been violated - 15 usc 1681 ( a ) ( 4 ) " Infringed Upon a consumers right to privacy '' -15 usc 1681 ( a ) ( 2 ) " No Permissible purpose/ No written Instruction - 15 usc 1681a- ( e ) After contacting the credit Bureaus, a bankruptcy was " verified '' XXXX XXXX is retrieving Public records thru pacer which is a electronic public access service that allows users to obtain case and docket information from federal appellate. 

XXXX XXXX has infringed upon my right to privacy, they have no permissible purpose or written instruction to report this.
Product: Student loan

It will show up on my account that no payment is due and then they will come back saying I owe double and I can have late fees/penalties. It 's not usually accurate and it messes up my finances every month.
Product: Debt collection

This debt collector attempted to collect on a debt that was paid and insisted that their system was up to date and the I still owed on it.. I have a letter from the company stating it has been paid. They refuse to verify with the original owner of the debt and want me to pay the remain balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently checking my credit report and noticed, IC System has been reporting to my credit report inaccurate and unvalidated information. They were not able to provide me with any documentation or application with my signature proving I owe this debt to IC System. I reached out to IC System, requesting validation for the alleged debt. IC System response was for me to reach out to the original creditor " XXXX ''. When I called XXXX, they were not able to locate an account for me and advised me to contact the IC System, informing them to remove the negative account from my credit report. If IC Systems purchased this alleged debt, they're claiming I owe, this agency is in violation of 15 U.S.C. 1692g. They were to notify me of this account within 14 days prior and I was not notified. I can validate this debt. I do not validate this debt. Under 15 U.S.C. 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt, this account is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the XXXX  credit breach back in XXXX  I had over 43 capital one credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle
Product: Credit reporting or other personal consumer reports

Someone took out a loan or credit card in my name. Midland Credit management has the collection notice for that loan or credit card. I have called them and they sent paperwork to dispute this Account. But have not taken it off my credit report. The loan or credit card is for over {$XXXX}. This is not my loan or credit card. 
Social security number has been used in many different fraudulent cases.
Product: Credit card

Date of Incident - XX/XX/year> - XX/XX/year> - Issue - Failure to address cancellation request, overdraft of account, and failure to return funds in a timely manner On XX/XX/year>, I paid {$9700.00} for my Citi AAdvantage Credit Card and received confirmation # XXXX. Since I had already made this payment for the XXXX billing period, I attempted to cancel an autopayment of {$1900.00} scheduled for XX/XX/year>. The Citi AAdvantage website did not allow me to cancel this payment online and instructed me to contact customer service for assistance. 

On XX/XX/year>, I called Citis toll-free number to cancel the autopayment. I was informed that the autopayment for XX/XX/XXXX had been canceled and that there was no payment scheduled, so the {$1900.00} would not be deducted from my account. This was confirmed by the supporting documentation stating that AutoPay amounts would be adjusted for any payments already made or credits received. 

However, on XX/XX/year>, at XXXX XXXX, I received a notice from my bank indicating that Citi had incorrectly withdrawn {$1900.00} from my account, resulting in an overdraft. 

I immediately called Citi and spoke with a representative named XXXX ( Agent ID XXXX ). XXXX acknowledged that Citi had made an error but could not see the deduction on her end. She promised to call me back in two days to ensure the funds were returned. Unfortunately, XXXX was unable to provide any ticket numbers or transaction data for reference. 

On XX/XX/year>, I followed up with Citi as XXXX had not returned my call and the funds had not been restored. I was told that the {$1900.00} withdrawal had not yet posted on their system and was advised to call back around XX/XX/year>. Both my bank statement and the Citi Cards activity statement showed the transaction, confirming that the funds had been removed from my account and applied to my Citi card account. Despite explaining the urgency and stress caused by the incorrect deduction, Citi refused to expedite the matter. I also requested that my credit card be reactivated to allow me to purchase essentials, but this request was denied.
Product: Mortgage

On XXXX/XXXX/2016, my home was flooded in XXXX XXXX, LA. Initially, I received an advance from my insurance company. It took 5 weeks for Nationstar to release the advance after I had to upload receipts in regards to the money I had already spent eventhough my insurance adjuster had written a detailed letter stating that the money was for cleanup and demolition. I complied with Nationstar. 
On to my final payment from my insurance company, I received confirmation after nearly 90 days that my payment was in route. I immediately uploaded all receipts and invoices then contacted Nationstar. At that point they requested proof my adjuster was authorized to do the claim from my insurance company, they have refused to send me a hold harmless and intent to self-contract ( which is ok by LA law ), they have not accepted documents for no valid reason that I have had to re-upload. I have requested an inspection on XXXX/XXXX/2016 for 50 % completion, which I have paid for all repairs up to this point, just to get my house completed. I received a call today and the inspector is unable to get here until XXXX/XXXX/2016 at XXXX. This is unacceptable. I just want to finish my re-build. I 'm not asking for all of the money, however, I would love to have it all. I 'm just asking for a portion of it so that I can finish the rebuild of my home.
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXX. NY XXXX XXXX XXXX XXXX XXXX. NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Previous Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX  XXXX, | Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX | Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

I have sent numerous letters to this company to verify debt and they still have not verified anything. Have also called and asked them to verify the debt still no response and it keeps showing on my credit report as negative but no proof. I have never had this account and still can't get the company to respond to anything. No proof of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Experian to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX XXXXXXXX Balance : {$620.00}
Product: Checking or savings account

Again Ive filed a complaint with Schwab having my bank account hacked and Schwab sent me a letter stating that I received a text message and their records show I did but I never received a text message to okay funds being transferred I would like the records showing the text message and Im willing to get all my messages from that date from my cell phone carrier, again when I received a call from Schwab they said they would call me back about the text messages I have never received that call
Product: Debt collection

From XX/XX/XXXX until XX/XX/XXXX I rented an apartment from Stoney Ridge apartments in XXXX XXXX XXXX XXXX purchased the company I rented from my last month or two there. In XX/XX/XXXX I moved out of the unit I was renting. I checked with the leasing office and they confirmed I was good to go and they would be sending me my deposit back in full. A couple months later I received my deposit back in full as I didnt owe them any back rent and I left the apartment in the same condition that i moved in. A year after that Colombia debt collections starts reporting on my credit as delinquent and reporting on my credit. Ive spoken with them many times stating I do not owe the debt they are trying to collect. I asked for proof, they didnt send me anything. After a couple months of going back and forth I contacted the leasing office of where I rented and got a copy of the ledger of my rental history with them. The ledger clearly states I moved out in XX/XX/XXXX, but there were some electric charges on there for XX/XX/XXXX. I moved out two months prior to those charges. I called the leasing office back, confirmed with them I do not own electricity charges during months I didnt live there, and I called Columbia back and reiterated I do not owe the debt, I have a copy of the ledger showing I dont owe the debt, but they didnt want to accept it. After that I contacted XXXX XXXX directly and spoke with XXXX XXXX, a XXXX  XXXX for XXXX XXXX. She looked over my history, confirmed again that I do not owe any money. She said she would contact Columbia and inform them so they will stop trying to collect and stop reporting on my credit. This was back in early XX/XX/XXXX. At the end of XX/XX/XXXX I got another email from Columbia offering me XXXX XXXX off my debt if I paid it now. I contacted XXXX again, she apologized to me and provided me with a letter stating clearly that I do not owe any debt. Columbia is closed now when I tried to call, but this has been going on for awhile now, theyre reporting on my credit for a debt I dont even own and its hurting me financially because its dropping my score showing that Im delinquent when Im not. Attached to this complain is a copy of the letter from XXXX XXXX stating I do not owe anything, and a copy of the ledger clearly showing the money that Columbia is trying to collect from me are from months after I had already moved out. I moved out in XXXX, its noted on the ledger when I moved out, the charges theyre charging me for are from XXXX and XXXX AFTER I had moved out, I do not owe any debt relating to that apartment for months I did not live there.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Your recent business practices have been distasteful, reckless and irresponsible. The dereliction of your lawful duties to protect my consumer credit report from inaccurate information represents either the willingness to participate in fraudulent activity or malicious incompetence by your companys staffed employees. My disputes have not been taken seriously. 

This letter is a formal complaint addressing the reporting of inaccurate and incomplete credit information within my credit profile. I am deeply concerned that inaccurate information has been included in my credit report, and its distressing that theres been a failure to uphold reasonable procedures to ensure the maximum possible accuracy in the credit reports published. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), theres a federal obligation to verify the authenticity of any and all accounts posted on a credit report by physically verifying the original signed consumer contract. Failure to do so opens the possibility of fraudulent accounts being included through fax, mail, or email submissions. 

I demand verifiable proof, such as an original consumer contract bearing my signature, for the accounts listed below. Failure to provide this proof signifies a violation of the FCRA : The following accounts are not associated with me and indicate potential identity theft or fraudulent reporting : XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry from : XXXX XX/XX/2022 I demand immediate removal of these accounts from my credit report. 

I am also invoking FCRA Section 605B, which specifically addresses identity theft and the obligation of credit reporting agencies to block fraudulent information resulting from identity theft. Given the inclusion of current and previous accounts that do not belong to me, I urge an immediate investigation into potential identity theft concerns and request that these fraudulent entries be blocked from my report. 

Moreover, I respectfully request proof of these alleged items, specifically the contract, note, or any instrument bearing my personal signature. Failing that, these items must be promptly deleted from the report. The inclusion of such entirely inaccurate and incomplete information represents a serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. I also request that the description of the procedure used to determine the accuracy and completeness of the information be provided within fifteen ( 15 ) days of the investigations completion. 

Furthermore, I demand the names, addresses, and telephone numbers of each credit grantor or other subscriber to my credit report. 

Your immediate attention to this matter is imperative to rectify the potentially fraudulent entries affecting my credit report.
Product: Credit card or prepaid card

I paid off my balance of the last billing cycle. I have been carrying balance previously and wasn't able to pay off my debt. Last month I have extra money so I decided to pay off one of the credit cards with Capitalone. I haven't used my card since I finish paying it off last month and to my surprise, I saw an interest charge of 38.23 on the card. I called them and their explanation is that the last balance bill doesn't include the interest rate charges on the month. I have always under the impression is that last balance is what I owe the CC. Sounds like they are trying to squeeze one last interest payment before I'm out of the debt. Please help me resolve this predatory lending that's hitting us especially during this difficult time.
Product: Credit reporting or other personal consumer reports

This is my XXXX request to Transunion and they have not resolved the outstanding problem which is that I am a victim of identity theft and these inquires were not made by me. I have submitted a fraud report in which I have attached here. There were numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. The previous response from transunion does not address the outstanding issue that I am victim of XXXX and I did not authorize any if the following companies to run my credit. Please remove these accounts immediately and see the fraud report that has been attached. 

XXXX OF XXXX XX/XX/23 XXXX XX/XX/23 XXXX AUTO XX/XX/23 XXXX XXXX XX/XX/23 XXXX FIN XXXX XX/XX/23 This was the company 's response from my previous complaint. The company did not properly review my complaint nor did they properly investigate my claim of fraud. Please see the company 's response below. 

" XXXX 's XXXX " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute regarding the inquiries appearing on your report, we sent you a letter to explain inquiries remain on your report for XXXX years and if you believe it was made without permissible purpose, you XXXX wish contact the company directly.
Product: Debt collection

On XX/XX/XXXX I received multiple credit monitoring alerts that a new collection had been placed on my credit report. Upon further investigation, Midwest Recovery Systems was listed as the company responsible with the original creditor being " XXXX XXXX XXXX '' and that I owed them. Knowing that I have never interacted with a " XXXX XXXX XXXX '', much less taken a loan out in the amount of {$630.00} ( after an extensive search of my personal records ) I called the company to inquire. They told me that this was a loan from XX/XX/XXXX! When I told the representative that I did not recognize a " XXXX XXXX XXXX '' his response was " well maybe they changed names! '' I immediately requested a validation of debt as I am entitled to under the Fair Debt Colletion Practices Act ( 15 USC 1692g Sec 809b ). The representative said they would need 30-days to validate this debt despite the fact that they have already reported this on my credit report! I decided to follow up with a written request for validation as well. I overnighted a letter to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ). When XXXX attempted to deliver my letter, I was informed that the company had moved with no forwarding address. XXXX spent 10 days trying to locate the new address but could not do so. I called Midwest Recovery Systems again and asked for an updated mailing address. The representative told me he could not give me that information over the phone. After telling him several times that I know my rights under the law, he finally provided me an updated mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX ). When I attempted to re-send the validation letter to the new address, XXXX now tells me that this address is not in their Database! ). 

This company has placed a negative mark on my credit report without providing proper written notification as allowed under the law and has not given me the required 30-days to respond before taking negative action.
Product: Debt collection

Previously an account showed up on my credit report from Comenity Bank, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, XXXX XXXX XXXX XXXX is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on XXXX of my reports. I want this removed from my credit reports as this account is not mine.
Product: Debt collection

XXXX by Pacific Credit Group says I have a past due account with them. I never heard of them. The address they have for the alleged account on file is in XXXX, I live in another state. They never checked credit or reported to credit Bureau so there is nothing on my Credit Report or any alerts. I was a victim of the XXXX hack so US Gov pays for credit monitoring. Nothing in Credit monitoring. XXXX insists I give them my address, social, etc. which I declined to give in full.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN on XX/XX/2017 which l have no idea about it at all.
Product: Debt collection

I do not owe this company anything, I have disputed and received nothing. I need some help
Product: Money transfer, virtual currency, or money service

About XXXX XXXX, 2017 I left XXXX with 1 XXXX dollars to invest in Bank of Americas Merril Edge in  XXXX XXXX, staffed by XXXX XXXX XXXX who vetted me for 2 hours with my administrator and her husband and informed me in 5 days he would move the XXXX XXXX to his bank. Well sir, it took this yo-yo and 8 ball 28 days to transfer 1 of the 2 accounts and then informed me that the other account could not be transferred. So, ask this bank to share with you all of the phone recordings that was advised on each call. I have spoken with 2 dozen employees of this bank with each one pitching a conciliatory solution to the woes XXXX has caused me. One employee called 5 times with the begging that I would drop any complaint on Bank of America for hiring XXXX. He wears clothes 4 sizes too small for himself, therefor my summation is he thinks he is cute. Well that is a big distraction for him and causing him to forget customer service and using XXXX untruths for sales. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX XXXX {$2700.00} XXXX XXXXXXXX XXXX {$1600.00} 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.
Product: Debt collection

This collection just show up on my credit report XX/XX/2020. I have no knowledge on this account all my accounts are paid as agreed monthly, I would like this collection to be removed never get any letter with explanation or where the debt is coming from. Amount due according to collection agency is {$1400.00}.