23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Police Report ( Case # XXXX ) and FTC Identity Theft Affidavit ( Reference # XXXX ) are attached. 

From the filed police report : I had a laptop bag containing a personal laptop, cell phone, and wallet stolen at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) on Thursday ( XX/XX/year> ). Subsequently, I noticed a fraudulent charge of {$5000.00} from a merchant named XXXX on Tuesday ( XX/XX/year> ). After the incident, I was forced to purchase a new laptop and cell phone and obtain a new cell phone number, in addition to replacing critical personal documents ( Driver 's license, debit/credit cards ). Additionally, I received a highly suspicious XXXX invoice for the purchase of an equivalent amount of XXXX ( XXXX XXXX USD Equivalent {$5000.00} ). As a result of the fraudulent charge of {$5000.00} on my XXXX ending XXXX, I filed a fraud claim with Bank of America ( XXXX # : XXXX ). 

Reporting agency XXXX Police Department XXXX XXXX XXXX XXXX, WA XXXX Ph : XXXX
Product: Student loan

In XX/XX/year> I consolidated a portion of my loans for a total of {$15000.00}. Ed financial in XX/XX/year> changed my loan balance to XXXX the full amount that Ive had for my lifetime, this amount was never consolidated with them. This amount was never approved by me and the remaining amount was actually transferred to another servicing, agent XXXX on XX/XX/year> by Ed financial, so Im confused as to why they would tag on the amount that they transferred it another servicing agent. Upon contacting Ed financial they asked that I contact aid-advantage, as it was mishandled by them. XXXX told me that the only amount that they transferred to Ed financial was the original {$15000.00} and to request a balance dispute to edFinacial. Upon doing that EdFinacial told me this could not be done. Ed-financial was my previous servicer, and they are refusing to look at previous documentations, that would show my actual debt balances. I have repeatedly asked that my loans be put into administrative forbearance until this balance issue was resolved. I fear that any payment towards this debt will be an admission that it is accurate balance when it is not. Not only is this being falsely reported to credit agencies but I am incurring interest on an inflated balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed an account with XXXX XXXX  due to identity theft and fraud. I provided an FTC Identity theft report on XX/XX/XXXX and requested protection under the 4-day blocking rule. 

XXXX XXXX  has been exceptionally rude about this situation. They are very well aware they are operating outside of the laws. Further, this account lists 24 months of late payments yet the last payment was XX/XX/XXXX. 12 months is not 24. 

All XXXX XXXX  has attempted to twist my own words against me. They have continually failed to perform a competent investigation. I requested supporting documentation related to their alleged investigation and none has been provided. 

In addition, On XX/XX/XXXX XXXX XXXX received a debt validation letter. They were even notified after a week that no response had come. 

Now it is beyond the 30-day requirement for a response. XXXX has failed to respond to this formal legal demand. XXXX is still reporting this debt to Equifax knowing it is invalid, illegal, and disputed to the fullest extent. They have no issues breaking the laws. 

I spoke with a representative named XXXX XXXX today on XX/XX/XXXX. I  asked, " How do I get legal compliance? '' XXXX XXXX said, " You don't. '' I said, " May I quote you on that? '' She replied, " Yes. '' Am I the only one who finds that completely rude, illegal, and unprofessional? 

XXXX XXXX and XXXX XXXX need a serious reality check. They are not above the law as they believe. I am requesting this invalid information removed from my report immediately. 

Attached please find the FTC identity theft affidavit and debt validation letter. They are dated XX/XX/XXXX and XX/XX/XXXX. If XXXX wanted to continue to post invalid information they should have made an attempt at validating this debt as required by law. 

XXXX 's time is up. I have shown more than sufficient proof of why this debt needs to be deleted to be in compliance with the laws.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account # XXXX on my credit report. This account has been reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : Account Status : Experian : Closed XXXX : Open XXXX : Open Date Last Active : Experian : XXXX XXXX : XXXX XXXX : XXXX Collection Status : All three bureaus show the account as placed for collection. 
Late Payment Status : XXXX : Was 90 Days Late XXXX  Times Experian and XXXX : No late payments reported The inconsistencies in the account status, dates, and late payment reporting across the three credit bureaus indicate that the information being reported is inaccurate and misleading. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The discrepancies in the account status, date last active, and the late payment reporting violate this statute. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the account as both closed and open, as well as the misleading late payment information, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. 

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT AN ACCOUNT THAT DOES NOT BELONG TO ME. ALSO WRONG OLD ADDRESSES THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENTS, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS TRIED THEIR BEST TO HOLD ON TO WHAT I HAD CREATED AND WITH ALL THE DIFFICULTIES THEY HAD TRIED THEIR BEST TO MANAGE TO MAKE PAYMENTS AND BE THERE FOR ME. 
I TRIED TO CALL THE XXXX CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARKS FROM MY CREDIT REPORTS I NEED TO REFINANCE THIS HOUSE AND HOPEFULLY GET MARRIED AND START A NEW LIFE. 
MY RECORD IS SPOTLESS EXCEPT THIS TINY TIME WHICH I WAS NOT AROUND AND WAS SUPPORTING MY COUNTRY. NOW I NEED YOUR HELP TO REGAIN MY POWER AND BEGIN A NEW LIFE. 
APPRECIATED
Product: Credit card or prepaid card

On XX/XX/18 my Amex card was charged for a Condo I booked through XXXX XXXX XXXX in XXXX XXXX, AL. On my way down ( XX/XX/18 ), I text XXXX XXXX of XXXX XXXX XXXX requesting the information needed to get into the Condo. She immediately admitted that there was an issue and that she overbooked. She later tried to say the Condo had flooded. At this point, she took my credit card number and booked another condo through Vacation Rentals By Owner. She did so without my consent. I thought she booked through another agent and was going to use what I had already been billed for to cover the cost. She also promised me a XXXX dollar credit because the first night was spent in a dump and nothing close to what I had booked. My Amex card was then billed for XXXX by XXXX. I did not learn this until my Amex bill came in on XX/XX/18. I worked with the merchant through text and phone calls in an effort to clear the matter up, and finally gave up and started calling the merchant at XXXX to clear things up. I finally gave up when nobody was willing to help and disputed both charges with Amex ... the original XXXX from XXXX XXXX and the XXXX from XXXX. I have numerous text proving that I do not owe both properties and that I am due a credit of XXXX from XXXX XXXX. I explained the situation to Amex and they said they would invistigate. The only communication I have received from Amex was a letter saying the charges were removed until further notice. I finally reached out to them our XX/XX/18 to see if they wanted any of the text that I had between me and the two property managers. They said sure, but when I was able to submit it this past Monday, XX/XX/18, they had closed out the dispute. I received a letter today that said the investigation was closed and that I had booked both properties. In that letter alone there is a lot to be questioned. For example, the spelling of the receipts they were provided had two different spellings of my last name. They also never checked the IP address where the properties were booked. Nor is it possible to get through to the merchant on the phone number provided on line. They simply either did not investigate at all or somehow had another contact number for XXXX at XXXX XXXX XXXX and took for her word as the truth. They summed their report of by saying that the properties were less than six minutes apart and I booked both. Very Very poor investigation. I have countless text to prove that I only booked one property and the events that occurred after. Please help me resolve this.
Product: Checking or savings account

Money was deposited in my name XXXX XXXX. 
A name Given through a settlement from police that XXXX XXXX XXXX  in the city of XXXX. 
Can confirm this alias with passport records. 
Can confirm this account with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX police XXXX They claim that I'm not authorized to my own account.
Product: Credit card

I received a bill in the mail for a credit card, which I never applied for, and money was taken from on line businesses, XXXX and XXXX to total {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit card

Personal Chase sapphire credit card received with employer name SILVER GALORE instead of XXXX XXXX. requested to send card with correct name request ignored, visited bank to make payment at Chase s. XXXX NJ brach payment not accepted. and its due by XX/XX/year> o phone chase said will send name change form by mail with take 7 days and meantime payment due date may pass and may adversely affect my credit meantime my credit card is locked for no reason. been calling chase several times without resolution, getting run around no supv or manager able to help.was told to wait for name change form to arrive by mail. spent hours on phone to resolve, no help.
Product: Debt collection

On XX/XX/XXXX Jefferson Capital Systems XXXX created a consumer credit report trade line in the form of a collection account on behalf of XXXX XXXX. This original debt dates to XX/XX/XXXX and was settled in a family court dispute with my ex wife XXXX XXXX and the debt was attributed to her by the court. The statute of limitations to collect this debt and report it to consumer credit reports has long ago expired. I DEMAND Jefferson Capital Systems XXXX immediately delete the negative trade line from all my consumer reports and cease all further attempt to collect this debt. The statute of limitations has long ago expired to collect and report this debt both under PA STATE LAW and the fair debt collections act under Federal.
Product: Debt collection

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX Attorney General and FTC
Product: Debt collection

Today, XX/XX/XXXX, I want to send this complaint to CHRYSLER CAPITAL. 

This is the account information : Account # XXXX, opene on XX/XX/XXXX, high credit : {$14000.00}. 

I had my automatic payment set up and the account, I had money. Chrysler Capital did not charge the last car payment. Apparently, they did not do it because the amount was lower. They only noticed me on the phone after it was 30 days due. Very unfair that ruined my credit after 7 years being on time to them. You can imagine how this ruined my life, all I am asking is a fair solution to this issue. 

They are also being UNFAIR, committing NEGLIGENCE, not reporting the account as " disputed '' after receiving my dispute notice ( see attached proof ). All these are violations to the California Credit Reporting Act. 

My demand : I want the late payment for XX/XX/XXXX removed from my report. 

Please send the attache documents to Chryslet Capital.
Product: Money transfer, virtual currency, or money service

I registered a XXXX account through Bank of America ( BOA ) using my email address, and received notification that my account was successfully registered today. I would like to add my phone number to my XXXX account. BOA 's online portal says I can not register my phone number to my XXXX account because this phone number violates the terms of service. Neither the website nor the XXXX BOA representatives I spoke with provided me with a reason why my phone number was in violation. 

I also called XXXX app customer service today and they said that the blocking of the phone number is on Bank of America 's end. 

BOA has registered my phone number for all other uses except XXXX and uses it often, including to send me security codes. 

I believe the problem is that a couple of years ago I attempted to register with XXXX XXXX also through BOA ), not realizing that it was a violation of terms to register a phone number that was ported through XXXX XXXX. My phone number is no longer ported through XXXX XXXX. I transferred it to a regular XXXX XXXX  account XXXX years ago. 

I believe XXXX should XXXX required to re-evaluate phone numbers that have been found not to comply with their terms. It is not fair or productive to block phone numbers forever, when the problem with the phone number has already been solved. 

Consumers have many reasons for wanting to keep their phone numbers for the long term. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

these unauthorized inquiries is violating my consumer rights to privacy according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I need them delete this unauthorized inquiries off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally logged into my XXXX  yesterday XX/XX/XXXX and I noticed XXXX inquiries that should not be there. I already sent in a few for XXXX  and XXXX  but there are a few more on my XXXX  that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 60 days past due on XXXX XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX  Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX  Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have attached the information with my opt-out notice to Bank of America XXXX I have followed the proceedings in 16 CFR 313.7 to opt out of non-public personal information to a nonaffiliated third party including XXXX, XXXX, and XXXX. Bank of America has not responded in a timely matter as this was sent out on XX/XX/2023, and it is now XX/XX/2023. This unauthorized information as stated in 15 USC 6802 must be removed permanently from XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to provide me with an updated credit report, despite my repeated attempts to contact them. I requested an updated credit report from TransUnion through their official website, but they do not have the correct information. Despite the statutory requirement to provide a free annual credit report, I have not received any response or update from TransUnion. 

I have made several attempts to contact TransUnion via phone and email to resolve this issue, but I have been unable to reach a representative or receive any form of communication from them. This lack of response is not only frustrating but also a violation of my rights as a consumer. 

The failure to provide me with an updated credit report has caused me significant inconvenience and stress, as I am unable to monitor my credit status and take necessary actions to protect my financial health. 

I kindly request that the Consumer Protection Bureau investigate this matter and take appropriate action against TransUnion to ensure they comply with their legal obligations. I also seek your assistance in obtaining my updated credit report as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue. 

Yours sincerely, XXXX XXXX