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

Account # XXXX Creditor : XXXXXXXX XXXX XXXXXXXX. 

this was a closed/charged off account that i already paid in full. Equifax reported first on XX/XX/2019 as paid then suddenly they changed this account to unpaid for no reason known to me, and when i call them they don't have a given answer! 
yes every one i talk to, tell me something completely different than the one before him/her! 
yes one of them will tell me it's been updated to paid, when i go and check this out i see it still reported as unpaid! 
when i call back they will tell me it's been deleted! 
when i check, i find out it's still there as unpaid! 
Not only that but they report it as " unpaid '' with a recent date and this devastate my credit score! 
Yes on XX/XX/2019 they reported as " paid '', then on XX/XX/2019 they suddenly changed this to unpaid, for no reason known to me. when i asked them via phone, why? based on what you did this? they were not able to provide me with an answer! 
then again on XX/XX/XXXX they reported the same account as unpaid despite the " Paid In Full '' letter i faxed them from XXXX, the creditor! 
when I ask them why, they don't have an answer or send me a written response! 
this is a charged off, XXXX XXXX XXXX utility account of {$27.00}. 
XXXX sent me " paid in full '' letter that i faxed to Equifax, but Equifax disregarded this XXXX statement while continue to report it as " unpaid ''! to stop me from calling them, they now considered me and identity Thief! as such they now refuse to talk to me! to check my report i went to " annual free credit report '' but Equifax blocked me! but when i paid them to get my report they gave it to me immediately despite their claim of me being and identity thief! 
this is unusual!!
Product: Checking or savings account

XXXX  Today, I received a call from a customer call center from Bank of America in regards to XXXX that was submitted the other day. 

We went over the complaint. The Customer service agent kept asking who I spoke to. Initially about trying to initiate the dispute over check # XXXX for {$95.00}. I told her that I didn't remember but the second one was XXXX who was very nasty. 

She went around in circles asking me names and dates. i got the feeling this was a stonewall. Then she brought up an issue that had nothing to do with the current one about the visa credit card services. I said that this had nothing to do with anything. 

The Bank of America customer calls centers are monitored. In addition they record the customer service agent, time and date. very frustrating experience, Then my phone got disconnected again. 

Bad customer service from Bank of America.
Product: Credit reporting or other personal consumer reports

My name is XXXX l XXXX the list of Accounts has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My accounts have been charged off and sold to a debt collector as per my agreement once there is a charge off I owe my original debt to that company. I request the XXXX XXXX XXXXXXXX for {$2300.00} and XXXX XXXX XXXX for {$2300.00} as well as XXXX XXXX XXXX XXXX for XXXX. It is illegal and against the law to sell the account when the account has been charged off from the original debt as per the agreement for this credit card. The rules of the FDCPA have been violated. As per the original agreement the debt was sold to a third party without my permission.I have never received a validation notice from this collector the third party that took over the debt. I am requesting the original agreement and for this debt to be deleted off all XXXX of my credit report Experian, XXXX and XXXX. Here is the list of debt that have been sold to a third party without my permission as per the ordinal Credit agreement!! 

XXXX XXXX XXXX for XXXX amount not recognized as debt they are saying I owed debt collector XXXX XXXX XXXX For XXXX do not recognize amount and debt collector XXXX XXXX XXXX XXXX for XXXX it is illegal and against the law to violate the original agreement sell this account t and to make up amounts these account need to be deleted. They were all sold in XX/XX/year> with out validation notice and all XXXX account have the same money owed very strange.
Product: Checking or savings account

Navy federal closed my credit card account, charged fees. Checking and savings account charged fees
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen after conducting personal business on my cousins computer. The computer I was using was infected with a virus. My personal e-mail was stolen. My personal information was retrieved via my e-mail and used for fraudulent purposes. This has resulted in the following fraudulent items to appear on my credit reports : ACCOUNTS XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I should not be held responsible for the actions of an identity thief. I am seeking to remove the fraudulent info that has been associated with my identity. I have already informed the credit bureaus of this issue. I have sent the credit bureaus notarized documentation ( Police Report, Personal Documents, Affidavit ) that proves my identity theft and supports my claims. The bureaus are currently still reporting the fraudulent items.
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 involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX
Product: Debt collection

On XX/XX/2017 Portfolio Recovery Associates illegally reported a debt to the credit bureaus for the second time that they had known knowledge from my prior correspondence to them that this debt was known by the original creditor XXXX XXXX to not be my debt. Portfolio Recovery Associates continues to attempt to collect this debt violating my rights under the FCRA. This company company continues to illegally practice illegal business practices and causing me undue hardship. I request that they immediate cease and desist reporting fraudulent accounts against my person and reporting such information to the credit bureaus. Furthermore, this illegal debt was purchased from a third party with fraudulent information against my person and Portfolio Recovery should immediately destroy the information that is illegally reporting against my person, and not sell the debt to another third party. In addition, I have attached a letter from the original credit regarding this debt and how it was to be removed from all credit reporting agencies.
Product: Checking or savings account

I opened the Kabbage account on XX/XX/21 and initialed {$6000.00} from XXXX XXXX  to it. They locked my account on XX/XX/21 and also withdrew {$6000.00} from my XXXX account. I requested them to return my {$6000.00} to my XXXX XXXX  because I can't log in Kabbage account to transfer it. They said they can't because my account is locked. I asked them to close my account then send me back the balance, they said they can't close my account either because my account has {$6000.00} balance. Their system seems to be in an infinite loop! The system of this bank is very problematic, and the customer service is not professional, which can not solve my problem at all. I have uploaded all the documents they asked to unlock my account, but no one at their bank followed up on my case. I can't use my {$6000.00} fund for almost a month. They should pay me back the interest and the time I lost.
Product: Debt collection

I moved out from my previous Apartment on XX/XX/XXXX and as per the move-out process, handed over the keys to the receptionist. The Apartment didn't conduct the Move-out inspection until XX/XX/XXXX ( Should be 3-5 days within Move-out per Georgia Tenant Handbook ), and updated the wrong move-out date ( XX/XX/XXXX ) in our Full and final statement. On discussing the matter with the apartment multiple times, they finally removed the additional rent, they charged us post move-out. 

My Final account statement ( FAS ) from XX/XX/XXXX has {$430.00} including common utilities post move-out, and the damages. I've {$300.00} deposit with the apartment, which they took while move-in, and this hasn't been applied to our FAS amount. 

While asking Property Manager multiple times, she at times mention those were against XXXX rent ( which I already paid ), or at times increased the damage charges, which are clearly contradicting to the initial damages they have charged in the FAS from XX/XX/XXXX. 

They have reported my account to Debt collection ( Rent recovery solutions LLC ), who without fully verifying, has added a wrong amount ( {$510.00} ) to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lease with XXXXXXXX XXXX XXXX since XX/XX/XXXX. I have made every payment within 30 days. I paid my XX/XX/XXXX payment on XX/XX/XXXX, within 30 days. On XX/XX/XXXX XXXX XXXX  reported my account as being over 30 days late. I contacted them and they said I have never been late and that they did not report me as late. But every credit reporting company is now saying it is over 30 days late. I have disputed with credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection in the amount of {$740.00} on the XXXX XXXX XXXX XXXX account, original account holder XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License for identification purposes. ) This is military housing and our housing is paid for by allotment. When we vacated the premises there was no outstanding balance due and therefore nothing to collect. This account needs to report a {$0.00} balance due. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

In the Summer of 2019 I was informed that my mortage at XXXX XXXX  was sold to XXXX XXXX ( headquartered in Virgina, I believe ) I received a letter from them saying I need to set up an AUTO Pay. I called the phone number listed and spoke to someone who said I need to set up my auto pay eventhough I had an autopay with XXXX for several years. In early XXXX I found out that duplicate withdrawals had been taken, XXXX, XXXX, XXXX. I contacted them ASAP. After waiting LONG periods of time and having my call dropped, and give incomplet information about how to request two payments returned, I spoke with a " supervisor '' on XX/XX/XXXX. Again I was given incorrect information and she said she would call me the next day ... .she ( XXXX XXXX ) did not. She gave me a phone number which she said was her direct line ... I have called several times a day and the number when to a general message center as I did not have her last name. She finally called me on Wednesday and we had a conference call with a representive from XXXX Bill Pay department. She said everhthing was in order and she would update me later that day ... ..she did not. I have tried several times to call her, NOTHING. Becaquse of this I had over draft charges and had to take out a high interest loan to pay my bills which were due. I am going to Refinance as I give their company and service a XXXX XXXX XXXX also promised to send me an overnight check XXXX XXXX also promised me an overnight check in the amount of two payments of {$1100.00} NOTHING
Product: Payday loan, title loan, or personal loan

I received the loan in my bank account on XX/XX/19 and paid it in full on XX/XX/19. The took a payment of {$260.00} on XX/XX/19. None of this payment went towards the principal. They do not explain their loans with transparency. When you log into your account online there is no information about your loan, balance or payoff. I borrowed {$1000.00} and in 3 weeks I paid it off. It cost me {$1300.00} to pay it off. Yes. You read it right. In 3 weeks they said {$380.00} had accrued in interest charges. They said I would receive a paid in full letter via email immediately after my payment. I never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. XXXX Balance : {$700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} EXXXX XXXX XXXX Date of XXXX XXXX XXXX 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.
Product: Mortgage

I had a mortgage VA Loan through Freedom Mortgage and last XXXX, XXXX, I sold the house and there was an escrow balance of {$2200.00} and Freedom mortgage indicated to me that they had cut and sent a check for this amount after receiving the payoff on the loan. I have not received any check since I sold my house in WA state. I called on last month on or about XX/XX/XXXX and they told me a check had been issued and sent. I did not receive any check. Last Thursday, XX/XX/XXXX and Friday, XX/XX/XXXX to find out the status of the check. Freedom mortgage indicated they will re-issue the check by the end of this month and it will be payable to me on the first week of XXXX, XXXX. I don't believe them anymore, and they need to send me the escrow money it is not theirs. I need your help! this was a VA loan and it needs to be resolved ASAP.
Product: Debt collection

This company is trying to collect in a state in which they do not have a license in per XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Experian is reporting a account that shows XXXX, XXXX and XXXX  60 days each. There is now way a account can be 60 days late 3 months in a roll. I have disputed this account with Experian and XXXX XXXX twice. Experian responds that it investigated with the furnisher and the account is verified. So I have decided to file a complaint of the inaccurate reporting on my consumer credit report. I have attached my most recent consumer credit report as proof that Experian is not exercising the Fair Credit Reporting Act laws. 15 U.S code 1681 clearly states that consumer a required by law to have a ACCURATE consumer credit report. DELETE THE XXXX XXXX  ACCOUNT FROM MY CONSUMER CREDIT REPORT FOR INACCURATE CREDIT REPORTING IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

XXXX XXXX terrible XXXX  service.All I want to do is sell this XXXX I bought because I couldn't initially transfer to my bank account. Now they are preventing me from selling the XXXX and I can not find any answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello after looking at my credit report Im seeing inaccuracies, If Im mistaken please provide proof that I was indeed late, if no proof is provided I ask you remove the account from my report. ( XXXX XXXX ) is watching!!
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 or other personal consumer reports

As Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking to Debt Bondage and would like for all listed accounts to be blocked and deleted.

please delete the following accounts : XXXX XXXX XXXX, balance {$24000.00} XXXX XXXX XXXX XXXX, balance {$40000.00} XXXX XXXX, balance {$700.00} XXXX, balance {$300.00} XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The company overcharged me for a XXXX XXXX XXXX that came with XXXX XXXX  miles and it had alot of electrical problems & they refuse to refinance my vehicle & I couldnt keep up with payments causing them to take the car & they barely worked with me only helped me for one month but was more concerned about me paying them & not my situation due to me losing my job.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXA XXXX Subject : Request for Investigation and Removal of Negative Items per 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute certain negative items that appear on my credit report, as provided to me by XXXX. These items are not consistent with the permissible purposes for which information can be included in a consumer credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b. I am requesting an immediate investigation and the removal of these items, as they may be erroneous, unverifiable, or obtained without proper authorization. 
Disputed Items : [ XXXX XXXX XXXX ] Account XXXX : XXXX. 
Explanation : This account does not meet the permissible purposes outlined under 15 U.S.C. 1681b. I have no record of authorizing the reporting of this information or of the accuracy of the negative remarks associated with this account.
Product: Checking or savings account

Hello, I recently came across the Wells Fargo lawsuit. I banked with them during college back in XXXX - XXXX. While banking with them, I was charged an incorrect overdraft fee to my checking account multiple times.
Product: Bank account or service

Bank of America refuses to remove me from XXXX for something that was clearly a mistake. They are very difficult to deal with and I am not getting anywhere. I am about to hire an attorney to get this resolved. I will be suing for defamation of character and will find something legally that they are doing wrong so I can also open a class action lawsuit against this company. This the most uncooperative bank I have ever dealt with. It 's in the banks interest to remove me from XXXX because I will take this as far as I can. I will contact the media, attorney and anyone who will listen.