23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi my name is XXXX I was told by Lexington Law over a year ago that they will settle my claims with XXXX and a loan company called one name I have been paying them every month automatically out of my checking account for one name on XX/XX/XXXX I received a letter from consumers Financial Protection Bureau telling me that I had a check and that Lexington Law had misled me to thinking that they was going to solve my problem and build my credit now they're taking money out of my check every month and I want it to stop I made a payment yesterday and I need someone to contact me so that I no longer have to pay them because apparently they done something wrong and I just want all my money back I am going to tell my bank to make sure they can't get next month payment help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Transunion credit services and was charged XXXX I was able to stop this unknown subscription I had but I would like a refund. I signed up yesterday and the charge showed up in my account this morning. It says a FREE credit score check but I was still charged. I have had the account for less than 24 hours and would like a refund if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ha

ve these accounts that does not belong to me and i want them to be removed from my credit. 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft CITIZENS BANK Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.
Product: Debt collection

During Covid my accounts were accessed and abused i noticed in XXXX that accounts were added to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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
Product: Credit reporting or other personal consumer reports

Transunioncommitted unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. They have allowed XXXX XXXXXXXX XXXX errors stay on my credit report. The investigation is to take 30 days or less. Its been 90 days. This is affecting my livelihood and my children.
Product: Money transfer, virtual currency, or money service

My client used Chase Bill Pay to send funds to me. 

Funds came out of their account but was never credited to my bank. 

Chase put an investigation in and is claiming that my bank got the money and misapplied it. 

Chase has provided the details of the transaction they sent, but it is incorrect. It shows an electronic payment but has no routing number and shows my address instead of my bank which would be necessary for an ACH payment. 

When an ACH can not be used Chase Bill Pay sends a check. Based on their documentation it would have been a check because they show no routing number. 

Payment was not received by my bank and no check received by me.

Chase is unable to provide any acknowledgement showing a receiving party that it was received by my Bank, so my bank having never received anything has no ability to trace or track anything. 

Chase is not showing or confirming any cleared check if that is how it was sent. And so there is not confirmation of anything but Chase deducting the funds from my client and no audit trail beyond that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts that have been reported on our credit report. We believe that these accounts violate the following laws : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX. Fair and Accurate Credit Transactions Act ( FACTACT ) XXXX. Truth in Lending Act ( TILA ) XXXX. Real Estate Settlement Procedures Act ( RESPA ) XXXX. Equal Credit Opportunity Act ( ECOA ) XXXX. Fair Credit Billing Act ( FCBA ) The following accounts have been reported on our credit report, and we believe that they are in violation of the above-mentioned laws : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account We request that you investigate these accounts and provide us with a written explanation of the results of the investigation. We also request that you remove any inaccurate, incomplete, or unverifiable information from our credit report. 

Thank you for your prompt attention to this matter. 

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

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't understand how I can be submitting multiple pages of proof to the credit bureaus proving that these accounts are inaccurate and must be removed and yet, XXXX XXXX did not remove these accounts! Congress clearly states in XXXX V TransUnion XXXX that the burden of proof is on the creditors and the credito bureaus and NOT me so how come nothing isbeing done to assist me? What other proof is required of me to show that these items are not reporting per federal law? 

I 'm attaching the lawsuit that clearly spells this out as well as my credit report and my actual disputes. I do n't understand who allows them to do this ( governement, etc. ) but this is a complete violation of my rights under the FCRA! 

XXXX XXXX XXXX You need to delete this account because its reporting so inaccurately, that I have no clue how its still on here. You didnt verify, correct or delete it, the issues are still there and you need to delete this immediately. 
Limit : XXXX $ XXXX and TransUnion {$0.00} Past due : XXXX and XXXX $ 0/TransUnion {$65000.00} XXXX shows that I paid on time for XXXX XXXX an yet you show that I was late! How can that be? 
You are also still reporting late payments that make no sense! You state that I was late in XXXX of XXXX, and XXXX and XXXX or XXXX while XXXX clearly shows that I paid on time. Delete this account at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts/Companies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX The reason I disputed these accounts on my credit report because it is incorrect and has inaccurate information and some accounts are even in violation. 
I initially contacted XXXX, Transunion, XXXX  on XX/XX/2019 and they sent me a letter saying the results are verified which is incorrect. 
I again reached out to XXXX, Transunion, and XXXX  on XX/XX/2019 asking for ( method of varication, The name of the original creditor, The creditors address and telephone number, The persons name you verified the dispute with, The documentation used to verify the dispute, The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.
Product: Debt collection

On XXXX Synergetic Communication, Inc. contacted me by U.S. mail with a demand letter for payment of a debt of {$6000.00} that does not belong to me. The debt is from a credit card company named XXXX XXXX. This debt is from the result of Identity theft, where my personal identity information was stolen and used without my consent. I am disputing the debt of {$6000.00}, because it does not belong to me and was a result of Identity theft.. I am not paying this debt because it does not belong to me.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/scrub>XXXX XXXX XXXX  I have recently disputed this account it was updated I REQUEST THIS FRAUDULENT ACCOUNT TO BE DELETED ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX # : 15 U.S. Code 16815-2- Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. 

DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the XXXX as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Product: Debt collection

I recieved a call from XXXX XXXX XXXX XXXX telling me that I needed to pay off a debt within XXXX hours or face legal action, garnishment of wages, etc. I normally suspect these things are robocallers but this was from an actual person. They left the number XXXX XXXX XXXX to call back, and when I called the woman on the line revealed my social security number and several past addresses to convince me it was a real collections. Worrying that maybe this an old debt due to identity theft that happened to me around XXXX, I asked them why I had never received any prior communications regarding this. They said they apologized and that they were sending the communications to my old college dorm room which was an address I hadn't lived at since XXXX. 

When they finally sent me a " collections letter '' the letter had my current address but was addressed to a XXXX XXXX which was very suspicious, and had a dotted line section where I could cut it off and write down my payment information or include cash and mail it in rather than any other dispute options. They seemed very caught off guard when I brought up that the letter was addressed to a different person but contained my name, the agent said that this was because the other agent that sent the letter was new to the company, and that she must have made a mistake, which made me uncomfortable. I hung up and they called back after a while saying that they fixed the letter by regenerating the correct one, and I looked to see that every other piece of information, the account number, charge, etc was the same, but they had simply switched my name for XXXX XXXX. 

I looked up the address of mailing ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX state business database ( since the address on the website was in XXXX ) and it is currently registered to an active but completely different business called XXXX XXXX XXXX XXXX Then I looked up the name of the business that they gave, and the name of the business on the website, XXXX XXXX XXXX XXXX, it was to a business that has been dissolved since XXXX and had a completely different address. In addition to this, I found that an entire section on their website had been copy and pasted from a legitimate debt collection agency in California called XXXX, and that they had made several different promises that their debt collection rates are above XXXX XXXX and their team has over XXXX  years of combined experience which was highly suspicious as well. They had a variety of human " agents '' calling me back after the first time I told them I didn't believe them due to their name mixups and issues sending the email with the information. The entire experience was fishy but they had clearly invested tremendous resources into making this seem just legitimate enough.
Product: Credit card or prepaid card

Bank of america closed my XXXX accounts without any warning or anything. XXXX has been open since XXXX and other since XXXX. They said it was closed due to they could not verify the authorized users. What if maybe i input their info wrong or a discrepancy on users end of the information. I have all their info such as license, social, bills etc to prove their identity and boa does not care. They pretty much said too bad your terms and conditions have expired. Yet let alone never ever have had a late payment or issues with them on these XXXX accounts but they decide to close them without notice or communicating to fix the situation. I even told them to remove all the authorized users and i wo n't add any back and they said no. I 've been a boa customer for over 12 years but i guess that does n't matter.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

This company, XXXX XXXX is reporting wrong and inaccurate information to my consumer credit. I have sent them XXXX different mails since XX/XX/year> asking them to re-investigate and/or correct the information where applicable but they have remain completely defiant to my request and to the provisions of the Fair Credit Reporting Act. They even failed to mark the error as " disputed '' as required by law, did no re-investigation and never acknowledged nor responded to any of my XXXX dispute letters.
Product: Credit card or prepaid card

I fell victim to a scam when my computer was hacked into. I thought I was talking to a rep from Chase bank and XXXX. They told me that someone from XXXX used my card to make an XXXX purchase and I would need to buy gift cards from XXXX  to drive up my balance to keep the charge from going through. My card was immediately deactivated by Chase for suspicion of fraud .The scammers said they would contact the bank and have it reactivated. They used my phone number to do so without my knowledge and Chase reactivated the card. Why would they do that without contacting me directly? I would like an answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX XXXX XXXX  XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XXXX XXXX my phone was hacked and they went into several accounts and sent money to other people. I contacted Pnc and put in a report that my card was compromised. They sent a letter back saying they found the charges to be legit. I didnt make this transaction of {$2000.00}. This charge was made through XXXX who also refused to refund the money stolen.
Product: Debt collection

XX/XX/2021 Amount {$230.00} I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security alert on my Equifax credit report because I was a victim of fraud. I disputed my incorrect information with XXXX and they notified equifax and XXXX. After viewing my equifax credit report I noticed several hard inquiries on my credit report so I disputed all of the inquiries that I did not make. Surprisingly, less than XXXX hours equifax notified me that they had received notification that all the disputes I made were accurate - closed out my disputes and have left them on my credit report. I do not believe that equifax gathered the correct documentation from the agencies reporting these inquires under the law as there is no way they obtained every single item ( more than XXXX ) in less than XXXX hours. I do not believe equifax completed a thorough investigation in to my dispute claims and would like to be provided proof that I requested the credit inquiries that were fraudulent on my report.
Product: Debt collection

I asked the person on the phone to not call my place of employment, several times. However, they continue. We can not receive personal calls at work. I explained that to them. I got threats of arrest and they also sated I was irresponsible and I should act like a lady and not just hang up the phone when they call my job. I have told them that I can not pay a lump sum on any debt, but they throw out threats and attempt to intimidate me. I would like them to stop harassing me at work.
Product: Checking or savings account

Ive been patiently waiting for U.S. Bank to close my account with them for months now. However, theyve shown no effort in doing so. Theyve also ruled every single dispute Ive had in their favor. Since they decided to close the account, theres been a drastic change in their behavior, but the account hasnt been closed yet. I still havent received my funds. I kindly request your assistance in resolving this matter as soon as possible.
Product: Checking or savings account

I am still having the same problems that I have reported before. NFCU is taking funds out of my account at will without permission. These funds are state-issued funds for the care of my children and only one of the two sources we have and have had for years. these sources are My SSI and Child support. the only thing we are/have been serving on, which is not very much. To date, they have taken {$740.00} out so far, the latest amount being {$90.00} today that is pending. this is the third complaint this year so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

was not given written or verbal permission for this inquirie added to my credit report