23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

They closed my account for a violation of terms of service which I'm adamant about not having violated because they won't tell me what it even is that I have done and they have closed my account and caused me not to be able to make any purchases or receive a debt owed to me
Product: Checking or savings account

The bank closed my accounts, they sent a letter asking me to call to find out why. I called and spoke to some very rude girls who refused to give me any info and said I had to call the branch. I called the branch and was told by the manager he had no information why it was done and said I had to call back the number on the paperwork. I do so and was again treated extremely rudely. I was coerced to dispute a transaction that was valid causing my fraud claim to be denied. the transaction was done before the card got lost but posted after. No one I spoke to seemed to understand this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX Bankruptcy Discharged XXXX XX/XX/2018 XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Bankruptcy Discharged XXXX XX/XX/2018 XXXX XXXX Balance : {$770.00} XXXX  XXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} Chapter XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance Owed : XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX H XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute a collection account. The account is listed on my XXXX, XXXX, and EquiFax credit reports as XXXX. 

I've already asked XXXX, XXXX, and EquiFax to verify the accuracy of the information on my credit report. Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported, even after each bureau 's independent investigation. 

Here are the specific INACCURACIES ( proof is attached ) : Account Number : XXXX : XXXX XXXX : XXXX Equifax : XXXX Date Of Last Activity XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Opened XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date : XXXX : XX/XX/XXXX XXXX : Not Listed Equifax : Not Listed Balance Owed : XXXX : {$320.00} XXXX : {$0.00} Equifax : {$320.00} Also, please note the 7 year history in the attachment. XXXX and XXXX are reporting ZERO 30 day late payments and ZERO 60 day late payments, while Equifax is reporting 1 30 day late and 1 60 day late. XXXX is reporting ZERO 90 day late payments while XXXX is reporting 4 and Equifax is reporting 15!

According to the FCRA, all information on consumer credit reports must be accurate. The information on this account is NOT being reported accurately, as it does not remain consistent across reports. 

Therefore, XXXX, EquiFax, and XXXX are all in violation of FCRA, and they are violating my consumer rights by continuing to report inaccurate information on my credit report and failing to properly investigate the accuracy of my credit report. 

I want the XXXX XXXX  account removed from my XXXX credit report, XXXX credit report, and Equifax credit report immediately, per FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are up to their dirty tricks again. Reporting false and inaccurate addresses on my credit files. 

they are reporting the following addresses which are INCORRECT 1. XXXX XXXX XXXX XXXX, NC XXXX ( I DO NOT LIVE IN NORTH CAROLINA ) THE ONLY ADDRESS THAT SHOULD BE REPORTING ON ANY OF MY CREDIT REPORTS IS XXXX XXXX XXXX XXXX   XXXX CO XXXX ARE THE BUREAUS THIS DUMB TO REPORT AN ADDRESS THAT IS SIMILAR BUT IN AN ENTIRE DIFFERENT STATE. THIS IS WHY THEY MAKE ERRORS ON PEOPLES CREDIT TO INTENTIONALLY HURT THEM AND RUIN THEIR CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made serval attempts to remind you of your duty pursuant 15USC 1681. It appears your intentionally and willfully being neglectful in remedying my affair. 15 USC1681E ( B ) assures that I am due, promised accuracy in my report based on federal law. I am making this another attempt to have these errors corrected on my consumer report.
Product: Checking or savings account

On XX/XX/XXXX, I made several transfers from my savings account to my checking account that triggered a fraud warning. Citibank closed access to my account and said it was under review. I called several times to remedy this and was told they " can't verify my phone number. '' Citibank fraud protection then sent me a letter to verify my account on XXXX. I responded to the letter immediately. On XX/XX/XXXX, I called Citibank to see if my account is unlocked yet. They said it is still under review. 

I want to close my account and receive a check in the amount of the balance. They are holding my money hostage. They have been telling me the review will happen in 24-48 hours since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Failure to Notify Consumer Reporting Agencies of Disputed Debt - Violation of 15 U.S.C. 1692e ( 8 ) Firstmark Services, I am writing to address your failure to comply with federal law regarding an account under my name. Specifically, you failed to notify the consumer reporting agencies that this debt was disputed, in violation of 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ).

As you are aware, under 15 U.S.C. 1692e ( 8 ), debt collectors are prohibited from failing to communicate to any person that a debt is disputed, particularly when such omission would mislead or harm the consumer. The relevant case law, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, supports the position that a failure to report a disputed debt to the consumer reporting agencies constitutes a violation of the FDCPA. 

Here are the key facts of this matter : I and the co-signer disputed the validity of this debt XX/XX/XXXX. I possess time-stamped electronic proof of this submission, to which an employee acknowledges receipt. You failed to notify the consumer reporting agencies that this debt is disputed, resulting in inaccurate and misleading information being reported on my consumer report. 

Due to such negligence, I reserve the right to pursue remedies under the Fair Credit Reporting Act ( FCRA ) and FDCPA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).
Product: Student loan

Ive be paying my student loans on and off for years, Ive been in deferment, forbearance and I even defaulted. I rehabilated my loans with what was a large sum of money for me at the time And I have consolidated my loans. I do n't understand how my loans have exponentially grown. Ive been dillegent now for years paying {$500.00} + per month. Still not back to what they call my original loan amount. It may just be the way the student loan debt. Business works, I may be taken advantage of, or likely both. Or maybe something wrong is going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my Complaints # XXXX, XXXX, XXXX & noticed that you have closed my complaints last XX/XX/XXXX. It appears that my credit file has been compromised. Since Im a observance of something I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these following items : XXXX  XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
I am writing to file a formal complaint against XXXX XXXX for improper use of my consumer report and continued reporting of an account that was allegedly included in a bankruptcy in XXXX. I have contacted XXXX XXXX, expressing my desire to opt out of any use or sharing of my nonpublic personal information, and despite my efforts, the issue persists. 

XXXX XXXX has improperly used my consumer report in violation of my rights. Despite my clear indication to opt out of any use or sharing of my nonpublic personal information, XXXX XXXX has continued to access my consumer report without authorization. An account that was allegedly included in a bankruptcy in XXXX is still being reported by XXXX XXXX. This reporting is inaccurate and has a detrimental impact on my credit history. 

I have previously contacted XXXX XXXX om XX/XX/XXXX by telephone and by notorized formal written request, to address these issues and have opted out of any use or sharing of my nonpublic personal information. Despite my efforts, the problems persist, and I have not received a satisfactory resolution from XXXX XXXX. 

I request that the Consumer Financial Protection Bureau investigate the improper use of my consumer report by XXXX XXXX and their continued reporting of an account supposedly included in a bankruptcy. 
I request that XXXX XXXX be required to promptly remove any nonpublic personal information they have inappropriately accessed or used. 
I request compensation to the maximum extent allowed by law for the inaccuracies in reporting, the improper use of my consumer report, and any resulting harm to my financial standing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts reported inaccurate : XXXX XXXX ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$8400.00}. I previously disputed this account, stating that it is incorrectly reported as a charged-off account with a balance due. Please provide proof of the charge-off or delete the negative payment status. I do not agree with the results of your investigation. I request documentation or removal of the negative information. 
XXXXXXXX XXXX Revolving Account ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$300.00}. I previously disputed this account, which is incorrectly reported as charged-off with a balance due. I request proof of the charge-off or deletion of the negative payment status. The results of your investigation are unsatisfactory, and I demand documentation or removal of the negative information. 
XXXX XXXX XXXX Secured Loan ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$67.00}. I do not recall ever being late with a payment on this account. Please provide statements and records of all payments made and missed. I disagree with the investigation results and request either proof or removal of the negative information. 
XXXX XXXX XXXX Account ( Account # XXXX ), opened on XX/XX/XXXX with a balance of {$1200.00}. I have no contract with this debt collector. Please provide proof from the original creditor that XXXX XXXX owns this debt and has the legal authority to collect it, or delete the account. I do not agree with the investigation results and request proper documentation or removal of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters via certified mail to XXXX XXXX, XXXX, XXXX and Experian regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from XXXX, XXXX  and Experian. The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on XXXX the last pay listed as XX/XX/XXXX. Same account via XXXX last pay listed as XX/XX/XXXX. And Experian last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until XXXX updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments as well as Experian dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on XXXX XXXX behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding XXXX XXXX is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that XXXX XXXX, XXXX, XXXX and Experian remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts form my report. 

US DEP ED XXXX {$6200.00} US DEPT ED XXXX {$8700.00} US DEP ED XXXX {$5000.00} XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$8300.00} XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$420.00} XXXX  XXXX {$450.00} XXXX  XXXX {$200.00} XXXX  XXXX {$50.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX XXXX {$56.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$8300.00}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been getting phone calls by various locations several times a day back to back to back. I do n't answer random numbers so I blocked some and just let others ring for weeks. After about two months i decided to answer it and it was my Bank ( Bank Of America ) calling from an automated line and I was furious after finding out that it was an automated line blowing up my phone for months. This was a call to collect a debt. I was so confused what I was in debt for so I called the number they gave me. I 'm always so scared to fall behind on my credit card which is why I set up automatic payments to come straight out of my XXXX debit card to pay my BOA credit card. So I decided to call and after waiting on hold for 10 mins they had told me that my credit card is almost {$700.00} past due. How is this possible when my credit card limit is only {$500.00}. I should have only only had about a {$200.00} balance on this card. They never told me that those automatic payments expire after a year. They had all the wrong information in there system. They had the wrong address so I was not getting the statements to be warned I was missing payments. The lady I spoke with had told me I can have these late fees waived and I said yes absolutely, however i would have to pay the initial {$200.00} balance before waiving the fees. I paid the balance off and updated my info in the system and she said I would get my new statement in about a week. I finally got it today which was about three weeks later and it still says I owe {$350.00}. Futhermore they set up my automatic payments again to start paying for the late charges. The fees were never waived and I dont think it is very fair that I owe them this money when I received zero notification of the late fees and the fact that my automatic payments expired. Not to mention in the process of this they revoked this credit card, so I have no credit card anymore and they still expect me to pay these fees when Ive already paid what ive used on the card.
Product: Debt collection

Debt owed here is to be payed by XXXX XXXX as I signed up with their cell service that comes with XXXX paying off the customers last bill. I have taken the necessary steps with XXXX XXXX as they should have payed you by now.
Product: Debt collection

I set up a payment with the company ERC and the following week for personal reasons I cancelled my payment.Unfortunately when I cancelled my payment ERC never deleted and still snatched it out of my account.When I called to explain they acted as if I was lying about cancelling my payment.They told me they reversed my payment and in 72 hours my funds would be back in my account.I called up there everyday and they gave me the run around.I heard XXXX different responses from XXXX different people and when they tried to say my bank was holding the funds.My bank had already told me that there was n't anything pending from ERC on my account .When I kept calling ERC back they gave me the run around and kept placing me on hold for periods of time and hanging up on me.It 's going on a week and the funds have still not been placed back in my account all because they did an illegal transaction that I did not authorize.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit profile there were items on it, that I didn't recognized including addresses, phone number, incorrect birthdays etc... Which I was able to get deleted. I did a Police, and a FTC report and sent it to the creditor 's, and to TransUnion Credit Bureau. TransUnion did remove the items, and then 4 days later it was back on my credit profile. I called TransUnion and then I was told that it was put back on my credit profile because the creditor verified it was mine. I told TransUnion once again I'm a victim of identity theft. I told them again I never had these account. I was told I needed to dispute these items to have them removed. I sent in a debt validation letter to TransUnion disputing these items. I waited 45 days, and it came back verified. I sent out a second response validation letter. It came back verified, and then I asked TransUnion how is the creditor verifying debt that is not mine? TransUnion stated the creditor is saying that it was mine. This went on for an entire year with the creditor sending me correspondence 's stating here is the information that I requested which ended up being a monthly statement nothing more. for an entire year without anything other then a bill for every item. I send in information stating this is not validating the debt. For them to please send me the original contract with my signature on it. I have never received this to date XX/XX/XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XX/XX/XXXX they don't have any records of me having an account with them., XXXX XXXXXXXX XXXX this has a XXXX Ohio address that I've never been at XXXX XXXX XXXX XXXX XXXX This account is from XXXX Ohio ( I haven't been in XXXX Ohio since XXXX ) they're trying to say I co-signed for this. This isn't mine!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY REPORT AND NOTICED THERE ARE ITEMS ON MY REPORT THAT DOESNT BELONG TO ME. 
IM ATTACTCHING THOSE ACCOUNTS TO MY REPORT
Product: Debt collection

Continued and frequently calls to collect a debt for which I have no recollection of or obligation for. No debts appear under my name under any credit report from any credit bureau. The company uses scare tactics and threatens legal action to collect against debts bought in bulk that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 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 accounts where nothing is owed and nothing is past due.