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

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX/XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Verification Results and Request for Full Validation Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX [ Date ] Dear CFPB Representative, I am writing to dispute the recent verification results regarding an account with XXXX XXXX  XXXX ( XXXX XXXX  XXXX ). Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), only a verification was provided, without sufficient proof that this account belongs to me. As I am a XXXX, it is crucial that I receive physical evidence linking this account to me to ensure accuracy. 

Below are the details of the account in question : Account Information : XXXX  XXXX XXXX Account Number : XXXX ( XXXX ), XXXX ( Experian ) Credit Bureaus : XXXX, Experian, XXXX Account Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance : {$1000.00} Credit Limit : {$700.00} Payment Status : Collection/Charge-off Last Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Comments : Charged off as bad debt Canceled by credit grantor Account closed due to inactivity Unpaid balance reported as a loss by the credit grantor Please provide the following validation : A copy of the original signed agreement or contract. 
Any supporting documentation linking me to this account beyond the listed details. 
If the creditor or reporting agency can not provide this documentation, I request immediate removal of this account from my credit report. 

Personal Information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Please respond promptly with either the requested validation or confirmation of the account 's removal from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX appears on my EXPERIAN credit report but there is missing information regarding the payment history, the amounts, and how the balance became {$710.00}. This incomplete information is hurting my credit score.

According to 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit card or prepaid card

In mid XXXX I was hacked on XXXX  and then able to access cash app in whichi had XXXX took and them showed XXXX  refunded it but never did when noticed all the stuff going on I logged into cashapp and took raining XXXX and had it sent back to bank. Which they show it was sent but I never received and they denied my refund. They have no info from there side to match my proof. It seems like they have perfect scam u give them Ur money they hack your account then when try get them to stand behind the actions they deny it if that's how allowed to do it then I want everyone give there money to me so I spend it and then say not my fault it is gone
Product: Student loan

Date : XXXX/XXXX/2017 The Navient representative states that I called in the beginning of XXXX to set up payment, and that the payment was drafted including a one-time charge of {$1.00}, which was reversed from the bank. This resulted in the automatic debit not working, and the forbearance to get the loan back-on-track failing. Representative states that I was contacted about the situation, but I never received any communication over the phone, in email or via mail by Navient or even my bank regarding the transaction.Because of this, my payments went back into a negative, past-due status. Today, I made a payment of $ XXXX to bring the account current again using the same methods used the last time. The representative stated that they will keep a tab on the {$1.00} charge to make sure that it is not reversed again, and will follow-up. I would receive a call from a XXXX XXXX XXXX mobile telephone # if this is the case. Otherwise, my next payment of $ XXXX will then be drafted on XXXX/XXXX/2017. **Please note that this is not the first occasion that has happened with Navient XXXX The above is XXXX of the documented cases that I have with the company. This has happened before as I needed to postpone a payment so that I could cover living expenses, and get caught-up on other important bills. XXXX XXXX and Navient has done very little, if anything at all to work with me. I 've had this XXXX private loan for 10 years now, and all of the money I paid has gone to fees and interest charges. The loan is exactly the same amount as when I had to take it out over 10 years ago. Nothing is ever explained well or documented and it is always a mystery game with them. It 's very unsettling to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my most recent credit reports from XXXX, XXXX, and XXXX and found that accounts with Bank of America and accounts with XXXX XX/XX/XXXX that are paid in full was reported showing negatively against me as late payments. They reported negative and defaming information beginning XXXX of 2018. I have been denied credit and my creditworthiness has been compromised. I do not agree with the accuracy or integrity of the information they are reporting. I have researched throughout the CFPB and have found that : 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly Reflects the terms of and liability for the account or other relationship, Reflects the consumer 's performance and other conduct with respect to the account or other relationship, and Identifies the appropriate consumer.

12 CFR 1022 41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( 0 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; Also that this is a violation against me according to 15 USC 1666 - Correction of billing errors
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  report # XXXX XXXX  report # XXXX Transunion file # XXXX I am filing a complaint because XXXX, XXXX, and TransUnion have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I took a huge loan out on them in order to build relationship with them but the interest and everything is ridiclously too high now and i cant pay it. I am currently on a payment plan just to pay off the original amount in XXXX pay payment periods but its currently affecting my finances greatly due to financial hardship recently
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX Creditor : XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

This account is fraudulent account, I don't recognize this account.
Product: Credit reporting or other personal consumer reports

1. FRAUDULENT REPORTING 2. ENTRIES W/ THE BALANCES & CREDIT LIMITS EDITED TO {$0.00} 3. FRAUDULENT COLLECTION 4, FRAUDULENT INQUIRES 5. FRAUDULENT CREDITORS 6. FRAUDULENT CLOSED ACCOUNTS I HAVE PLACED DISPUTES SEVERAL TIMES ON ALL OF THESE FOR IMMEDIATE & PERMANENT REMOVAL & NO REMOVALS WERE EVER MADE.

THIS MEANS YOUR Bureau CONTRIBUTED TO FRAUDULENT REPORTING AND ARE LIABLE TO THE VICTIM FOR {$1000.00} DOLLARS PER FRAUDULENT REPORT AND EACH FRAUDULENT REPORT IS LIABLE FOR A {$5000.00} FINE AS PER ENFORCEMENT OF FINING FROM THE FAIR CREDIT REPORTING ACT.

THE ONLY THING THAT SHOULD BE ON MY CREDIT REPORTS ARE 2 OPEN REVOLVING ACCOUNTS FROM XXXX FOR A {$5000.00} CREDIT LIMIT AND XXXX  FOR A {$1000.00} CREDIT LIMIT. THERES NO BALANCE OWED TO EITHER AS I NEVER RECIED MY CREDIT CARDS A YEAR AGO WHEN I OPENED THEM BUT I AM CALLING TO HAVE THEM MAILED TO ME. 

2. I KNEW FOR YEARS I WAS AN IDENTITY THEFT VICTIM BECAUSE OF THE CONDITIONS AND ENTRIES ON MY CREDIT REPORTS. 

I JOINED XXXX XXXX XXXX XXXX XXXX XXXX AND THEY LOCATED ONE OF MY IDENTITY THEFTS.

DATA BREECH THAT RESULTED IN MY GOOD NAME AND SOCIAL SECURITY NUMBER DEBUTING ON THE BLACK WEB.

THIS HAS PROBABLY ENDED UP SAVING MY LIFE AS ONCE YOUR INFORMATION MAKES IT ONTO THE BLACK WEB YOUR IDENTITY IS NO LONGER SAFE TO MAINTAIN.

THERE IS A PERSONAL RISK TO DANGER ONCE YOUR INFORMATION HAS BEEN FOUND ON THE BLACK WEN & I AM WORKING WITH XXXX XXXX XXXX  FOR FUTURE INCURRED LOSSES SO THAT I MAY RECOVER FROM IDENTITY THEFT AND GAIN A NEW SAFE IDENTITY FOR MYSELF.
Product: Credit reporting or other personal consumer reports

I am writing to you once again to follow up regarding the unresolved issue of late closed and charge-off accounts on my credit report. Despite my repeated attempts to rectify this matter, these negative entries persist, impacting my creditworthiness and financial standing. Despite my persistent efforts, these negative entries continue to tarnish my credit report, hindering my ability to access credit and financial opportunities. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these derogatory accounts undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the late closed and charge-off accounts on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove the acconts : XXXX. XXXX XXXX XXXX*** Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX. XXXX XXXX XXXX : {$810.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX AND XXXX XXXX are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great XXXX and XXXX  to were I may need to be seek XXXX XXXX
Product: Vehicle loan or lease

Bank of America engaged in deceptive practices regarding a purported loan agreement for the acquisition of a vehicle. Contrary to standard loan transactions, I provided Bank of America with a liquid-backed security to facilitate the purchase. The security, funded by my social security number, constituted the entire financial transaction. 

Bank of America, however, has been issuing monthly statements containing false information, misrepresenting them as genuine bills. These statements not only misrepresent the nature of the transaction but also create an environment of deception and confusion. By disseminating these fraudulent statements, Bank of America is committing mail fraud, a serious violation of federal law. 

Furthermore, Bank of America has been engaging in extortion by demanding payments from me that are not legitimately owed. Despite the absence of any valid loan agreement or debt, Bank of America persistently seeks payment, thereby unlawfully coercing funds from me.

Applicable Laws : Mail Fraud : Bank of America 's dissemination of false statements through the mail constitutes mail fraud under 18 U.S. Code 1341. This law prohibits the use of the postal system to execute schemes involving false pretenses or misrepresentations. 

Extortion : Bank of America 's unwarranted demands for payment, despite the absence of a legitimate debt, constitute extortion under various state and federal statutes. Extortion involves unlawfully obtaining money or property through coercion or intimidation. 

In conclusion, Bank of America 's deceptive practices, including the issuance of false statements and unwarranted demands for payment, are clear violations of federal law. Their actions not only harm me as a consumer but also undermine the integrity of the financial system. It is imperative that appropriate legal action be taken to address these unlawful practices and hold Bank of America accountable for their actions.
Product: Money transfer, virtual currency, or money service

On : Tuesday XX/XX/2021 I gave to PayPal Credit an additional {$10.00} for an additional Minimum Payment Due, that was not due to them, at all, for : XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of XXXX closed account # XXXX also my information had been breached my first time learning of issues I have tried to dispute and can not saying verified when it was not same for capital one auto in amount XXXX XX/XX/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

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) 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 an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reported to Equifax in the amount of XXXX XXXX XXXX and XXXX Dollars. XXXX XXXX XXXX has failed to send a initial communication letter to the consumer ( ME ) which is a violation under the FDCPA 15USC sec.1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ect. XXXX XXXX XXXX has failed to notified me of debt therefore requesting Equifax remove this Collection from my Credit Report.
Product: Money transfer, virtual currency, or money service

Using service Wise.com I've tried to send money to different country. 
After making a transfer I have not checked the status for a while. In about a month I've noticed that transfer is still not completed. I've contacted a company via online-chat option asking for a refund as service was not provided, the request was denied, and conversation abruptly ended. The company still holds my money, and they disabled online-chat function for this particular transaction so I can not request any information about it anymore.
Product: Debt collection

About XXXX months ago I discovered a collection account on my credit. My credit score which was XXXX XXXX XXXX on all XXXX bureaus dropped to the mid XXXX 's. I disputed the unknown collection account with all XXXX bureaus and was told that the account was verified as belonging to me!!! I have contacted the collection agency XXXX times by certified mall and I have yet to get a response from them or for them to remove the account. I was never notified or questioned about the account before it was placed on my credit. I do n't even know what it is for all I know is that it is not mine and it was not originated by me. 

Caine & Weiner Acct number XXXX
Product: Mortgage

Our mortgage was sold from Amerifirst Home Mortgage to another bank without any attempt of notifying us before this took place. This created a 25 point drop on both my husband and my credit score. I  spoke to Amerifirst several times in the last 2 weeks prior to this transfer about potentially looking and refinancing our mortgage, however nothing was mentioned about our mortgage being sold in these conversations either. When I spoke to the company about not receiving any notification they stated they mailed a letter in XXXX, however there was not a letter received.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Bank of America XXXX XXXX Banking checking account. This account has a $ XXXX monthly maintenance fee, which can waived by having a combined balance of {$10000.00} or more in linked Merrill accounts ( see the fee disclosure linked below ). From the very beginning, when I logged into my BofA account, I could also see my Merrill account balances, which have totaled around {$20000.00} for a while. This led me to believe that my Merrill accounts were linked to my new checking account. 

Unfortunately, I was dismayed to see that I was charged a {$25.00} maintenance fee on my last statement on XX/XX/XXXX. I called in on XX/XX/XXXX, and the agent said my Merrill accounts were " not linked '' to my checking account, despite the fact I could see everything under my BofA login. She explained I had not been charged the fee until now because there is a 60-day grace period after account opening. More importantly, she explained that because I opened my checking account online, I would have had to call in to properly " link '' my Merrill account balance to qualify for the fee waiver. I asserted that any reasonable person would think that my accounts were " linked '' since I can see them all at once online. Furthermore, the fee disclosure does not elaborate at all on what it means for accounts to be " linked. '' In the end, the rep could not refund the fee. 

https : XXXX I have attached the statement showing the fee as well as a printout of what I see when logon to my BofA account.
Product: Credit reporting or other personal consumer reports

A loan account in the amount of {$74000.00} has been opened and showing up in my credit report which I have no knowledge of. The responsibility on that account is stated as " XXXXXXXX XXXX XXXXXXXX XXXX '' which I have never heard of or talked to. The account has an address ( XXXX XXXX XXXX, XXXX, TX XXXX ) in Texas which is a state I have never visited. 
Name of the company is Solar Mosaic. My call to them proved they did not have my name, social security number, address and other personal information in their database. 
I am disputing this account and need it removed from my credit report which has really affected my credit. 

Dispute report filed with XXXX, XXXX and XXXX.
Product: Debt collection

This is not my account I have reached out to get this settled and no one has reached back out
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( XXXX, TransUnion and XXXX  ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from XXXX, TransUnion or XXXX. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19.

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.