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

XXXX TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX XXXX XXXXXXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXXXXXX, ACCOUNT NUMBER XXXX OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS XXXX XXXX AND XXXX  XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT XXXX PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.
Product: Debt collection

Credit Collection Services [ CCS ] violated at least XXXX provisions of the FCRA. 

XXXX. CCS knowingly and fraudulently reported false information about an alleged debt. 

XXXX. CCS reported an alleged debt without disclosing that it has been disputed from the outset. 

There are XXXX charges by XXXX from XX/XX/XXXX, at issue : {$370.00} and {$340.00}. 

On XX/XX/XXXX, XXXX informed XXXX that I am not responsible for the {$370.00} charge. On XX/XX/XXXX, XXXX verified that in a letter to me. I explained that to CCS in a letter of XX/XX/XXXX. 

The charge for {$340.00}, also disputed from the outset, is still in the XXXX process. That was also explained to CCS in my XX/XX/XXXX letter. 

However, beginning in late XXXX, CCS began falsely reporting the entire amount of {$720.00} as delinquent, and without the required disclosure of dispute. 

In violation of state and federal laws, XXXX has refused XXXX written requests by me for a copy of all the billing related records. CCS is also aware of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numbe # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I was selling speaker set on XXXX app. I found a buyer and they sent me check {$1500.00} but then I deposited and buyer told me to download XXXX XXXX and then he told me to send to XXXX XXXX XXXX via XXXX XXXX of {$1100.00}, and later next day he told me it was not enough money for movers, and so I sent another amount of {$300.00} to XXXX XXXX XXXX. Approximately 1 to 3 days later, my bank told me that the check of {$1500.00} was cancelled. He then told me he will send me new check of  {$1500.00}. but I never heard from him since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told Trans Union that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX  on XX/XX/XXXX that I did not receive the XXXX XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing XXXX. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquires are hurting my credit o have called the bureaus and explained my car is paid for Im not sure why some many card inquires for my cars I brought my vehicle with cash I have over 13 hard inquires please remove
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have paid this account in full and would like the account to be removed from my Negative Accounts and Credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested a credit limit increase on my XXXX credit card. XXXX attempted to pull my credit report from TransUnion. However, I had a credit report freeze in place with TransUnion, so the request was denied. XXXX then attempted to pull my credit report again, and again the request was denied. Both attempts appear on my TransUnion credit report. 

First, I contacted XXXX on XX/XX/2018 and spoke with a supervisor. I explained the situation and she checked with their credit approval department and told me that since the inquiries had not gone through, they should not appear on my credit report and that XXXX was unable to have them removed. She advised me to open a dispute with TransUnion to have them removed. 

On that same day, I submitted a dispute to TransUnion through their website. On XX/XX/XXXX, I was notified by TransUnion that their investigation was complete and that my report had been updated. However, the inquiries have not been removed and TransUnion does not provide any way to follow up on the results of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX Acct # XXXX XXXX XXXX # XXXX, and XXXX XXXX Acct # XXXX ) are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX ) the financial institutions and the Consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Transunion, ( XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) Further states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of collections, inquiries and accounts. Accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I do not recognize the aforementioned accounts, collections or inquiries, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
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. 

XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account XXXX  ( not accurately reported ) XXXX XXXX- account XXXX XXXX XXXX  XXXX XXXX ( not accurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not accurately reported ) XXXX XXXX account XXXX  ( not accurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account XXXX ( not accurately reported ) XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( not accurately reported ) XXXX XXXX-account XXXX  XXXX not accurately reported ) XXXX XXXX XXXX XXXX ( not accurately reported ) 15 U.S.C . 1681 Section 602 A. States I have the right to privac

y 15 U.S.C. 1681 Section 602 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft REGIONAL ACC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

Discrimination and Privacy Violation Incident Date of Occurrence : First Incident : XX/XX/2024 Second Incident : XX/XX/2024 Summary of the Complaint : On XX/XX/2024, I experienced discriminatory behavior at a branch of Bank of America. The incident escalated on XX/XX/2024, involving a XXXX XXXX XXXX Representative named XXXX XXXX. During these incidents, the representative acted in a manner that was both unprofessional and discriminatory. 

Details of the Incident : XX/XX/2024 : I faced discriminatory treatment at the branch, which negatively impacted my professional standing as a business developer that routinely helps with Florida LLC formation. 

XX/XX/2024 : XXXX XXXX directly contacted one of my clients without my authorization. She made false claims regarding my qualifications, stating I was not suitable to act as an accountant. It is crucial to note that my role does not require acting as an accountant but as an incorporator and registered agent, which does not necessitate access to detailed banking information. 

Actions Taken : Following these incidents, I have taken the following steps : *I have written a formal complaint letter to the branch manager, XXXX XXXX XXXX XXXX of Bank of America where these incidents occurred. 
*I have demanded a formal investigation into XXXX XXXX XXXX behavior and actions to ensure such discriminatory practices are not repeated. 
*I have subsequently notified multiple regulatory bodies and consumer advocacy groups seeking help. 

Requests to the CFPB : I am seeking assistance from the Consumer Financial Protection Bureau to ensure a thorough investigation is carried out and to help secure a resolution that prevents such discriminatory practices in the future at Bank of America.
Product: Mortgage

I refinanced a loan with Nationstar in XXXX XXXX and every since I have been making Bi-weekly payments and since then I have to send an email through the website on my account to correct the total payment every month. All other financial institutions I deal with accepts biweekly payments accordingly with no issues. Why cant nationstar? They advertise biweekly through there system but I do automatic payments through my bank. I have used there XXXX XXXX XXXX in the past with biweekly payments and the money was placed in full once a month therefore not reducing principle and interest as it should have as advertised. I do n't understand why they cant handle biweekly payments as others do.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, US Bank pulled my credit report due to a system glitch and mistakenly recorded my credit score as XXXX instead of my actual score of XXXX. As a result, they reduced my credit limit by over {$7000.00}. This action significantly impacted my credit utilization ratio and caused my credit score to drop by XXXX points. I petitioned US Bank to correct this issue, but they informed me that they could not reverse the decision or update my account. 

In XX/XX/XXXX, my XXXXXXXX XXXX XXXX account was closed after XXXX ended its partnership with XXXX. This closure resulted in the loss of another {$8000.00} in available credit. XXXX did not provide a clear online payment method, and I received calls from what seemed like foreign representatives, which raised concerns about legitimacy. I requested a mailed statement to set up a payment plan, they never sent me anything. I contacted XXXX and they assured me it would NOT be marked as late, the fay after making my first payment, XXXX marked the account as delinquent. This delinquency lowered my credit score by another XXXX points. ( It was XXXX before I was able to find a trustworthy method of payment. Even still, their records of my account number did NOT match up with the cards I had! ) On XX/XX/XXXX, my XXXX credit card, which I have held in good standing for over nine years, reduced my credit limit by {$9000.00}. This change occurred without any warning or valid explanation, further damaging my credit score. When I contacted XXXX, they were unable to reinstate the credit limit, leaving me at risk of losing another XXXX points on my credit score. 

These combined actions have caused a severe domino effect on my financial stability and creditworthiness, with my score dropping from XXXX to an estimated XXXX in less than a year. This situation is largely due to errors, poor communication, and mishandling by these companies, despite my history of responsible credit use. 

I am seeking assistance to resolve these issues, restore my accounts and credit limits, and correct the inaccuracies on my credit reports.
Product: Credit card

On XX/XX/2024 a fraudulent purchase was made on my Chase credit card from XXXX XXXX in the amount of {$1200.00}. I did not notice this purchase until XX/XX/2024 when I received an email from Chase on XX/XX/2024 alerting me of a suspect transaction made on my Chase credit card in the amount of {$1200.00}, also from XXXX XXXX. Fortunately, this transaction was declined and I confirmed that I did not make the purchase. At that point, I checked my account via the Chase mobile app and noticed the purchase from XXXX XXXXy on XX/XX/2024 for {$1200.00}. I did not make this purchase and immediately reported it as fraud on the Chase mobile app and followed up with a phone call to Chase verifying the purchase as fraud. 
On XX/XX/2024 I received a letter in my Chase account that they had completed their review of unauthorized transactions on my account. The letter stated that I was responsible for paying for the purchase made on XX/XX/2024 from XXXX XXXX in amount of {$1200.00}. The reason stated " Merchandise was billed to or chipped to your address ''. I do not know how my information was stolen but I absolutely did not make this purchase and there was no merchandise shipped to my address. I do not know how Chase came to this conclusion given that this was 1 of 2 fraudulent purchases attempted with my card ( the second one being the {$1200.00} transaction that was appropriately flagged and declined ). I suspect that when I bought gas on XX/XX/2024 in XXXX, WA my information was stolen from the card reader. 
I am extremely upset by this experience as I did not buy anything from XXXX XXXX and I can not afford to pay for this large transaction. This needs to be investigated further and I would like to be refunded immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign or authorize these transaction please delete
Product: Debt collection

National Credit Systems is reporting a debt that is fraudulent. The company has been provided with a police report and FTC affidavit. I have asked them to send all the proof of said debt. " debt validation " according to the FDCPA. In addition then continued to contact me and hinder my credit without providing the requested information. The original debt company has confirmed Fraud and that I was NOT the person that created the debt. However National credit Systems continues to reporting Bogus information to my credit r When they were to remove, change or validate the debt with the credit bureau .. National Credit systems added {$1.00} to the debt. These practices are unethical and should not be allowed to continue. I have all of the required Fraud documentation. In addition, I was told that I need to provided copies of my governmental IDs. The collections agencies can use anything provided to them to attempt to collect a debt whether it is valid, and or fraud.. WHY would I oblige that request as this is already FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Joint credit card opened in XXXX with former spouse. After divorcing in XXXX, I assumed financial responsibility of the card but former spouse filed bankruptcy and discharged the account in XXXX without my knowledge, severely impacting credit report. After reaching an agreement with and closing card with the bank it is inaccurate and being reported differently with all three agencies.
Product: Debt collection

After loosing my wallet at the end of XXXX with all my identity cards such as drivers license, social security card, credit cards, debit cards and residency card inside of it, I had a lot of hard inquiries and credit card showing up under my name. I contact those companies to try and cancel them but they wouldnt help me at all, I even filled dispute over them all but there still wasnt removed. I just learnt from a coworker about this website that might be able to help me clear them up. I am giving another try. Thanks for your assistance. Collections and charge offs are listed below. 
-XXXX XXXX XXXX  {$630.00} and {$3500.00} -NCA {$970.00}