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

I notice my credit report with mis information over two years ago I did an police report and, a around XXXX of XXXX  when check I and monitor my reports I notice inaccurate publics information and I filed and mailed off police Reports BACK IN XX/XX/2022 to all credit agency about this matter they had my Birthday Wrong on Transunion, They had address and a whole host of information inaccurate on XXXX, and XXXX they have been the absolute worst of them all they have al sort wrong information, also you cant upload anything for as doc on there sight, no one want call you back either horrible, I disputed it all, they fix everting but my address and and the puplic record Bankruptcy that is not mines, also have an letter from The Bankruptcy office they want even look at or take saying that the never gave ANY INFORMATION ABOUT A Bankruptcy, my current address or my Name, also know one there will even talk to me about the matter they also put am credit alert, last year, when they first received the policy report they in the mail they put the credit alert on XX/XX/2022 it been over a year please help this have ruined my creditability, as its very inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FILED BK RECENTLY AND SETTLED WITH US FOR $ XXXX, they are tradelines associated with XXXX, XXXX & XXXX AND ALL TRADELINES, XXXX, NATIONSTAR, XXXX, AND XXXX  SEE ( CASE NO.XXXX XXXX XXXX XXXX XXXX XXXX ). WE WILL SUED YOU ALL CARBON CAPYING THIS CLASS ACTION LAWSUIT. ALL TRADELINES HAVE VIOLATED ALL STATE AND FEDERAL CONSUMER PROTECTIONS ACT ALONG WITH THE DODD-FRANK FRANK WALL STRRET REFORM AND CONSUMER PROTECTION ACT IN ADDIION TO FORCE XXXX  TO DELETE TRADELINES AND SEND WRITTEN PROOF FROM XXXX  DIRECTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Amount : {$1300.00} I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists. 

Also In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting or other personal consumer reports

TransUnion reports that I have a student loan that does not belong to me. After I filed a dispute, their investigation inaccurately stated the loan was valid. For the dispute, I spoke with the live agent, XXXX, and was given case # XXXX. 

I've attempted to contact XXXX ( the loan that fraudulently appears on my report ) but was put on hold for over 40 minutes when I attempted to call on XX/XX/XXXX and again on XX/XX/XXXX. 

Here is a copy of the dispute report : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
XXXXDEPT OF ED # XXXX ( XXXX XXXX XXXX, XXXX, MO XXXX, XXXX XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Date Updated; Remarks ; Rating ; Special Payment ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Co-Signor on Account Account Type : Installment Account Loan Type : STUDENT LOAN Balance : {$780.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) High Balance : {$770.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$0.00} per month, Deferred Remarks : XXXX XXXX XXXXXXXX XXXX XXXX ; PAYMENT DEFERRED XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX/DEPT OF ED # XXXX ( XXXX XXXX XXXX, XXXX, MO XXXX, XXXX XXXX XXXX XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Balance ; Date Updated ; Rating ; Special Payment ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Co-Signor on Account Account Type : Installment Account Loan Type : STUDENT LOAN Balance : {$3800.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) High Balance : {$3700.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$0.00} per month, Deferred Remarks : XXXX XXXX XXXX XXXX XXXXXXXX ; PAYMENT DEFERRED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification from my credit monitoring service today XX/XX/20 alerting me of an account in negative standing appearing on my credit report. I was confused so I logged in and saw an account from XXXX XXXX for an amount of {$2100.00} on my credit report that is not mine. I did not open this account and I do not have any sort of written/verbal contract with that company nor did I benefit anything from that account such as money, services, goods or anything else and I never made any payments towards that account. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I also contacted the company in hopes of getting this cleared up.
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, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir/Madam, I am writing to file a formal complaint against CACi for their apparent violation of the Fair Debt Collection Practices Act ( FDCPA ) and their failure to address my concerns regarding a debt that has been reported on my credit report without any prior notice. 

On XX/XX/2023, I messaged CACi after discovering an unrecognized debt on my credit report. I called them to open a dispute and request an itemized bill. I was unable to reach any managers, but a representative informed me that I would receive a callback. Later, I received a call and was instructed to send an email to [ company email address ] and was assured that I would receive a response within 72 hours. To ensure my concerns were addressed, I also submitted a request via their website. 

It has now been over 30 days, and not only have I not received any response to my emails or dispute request, but the debt is still being reported on my credit report. I believe CACi may be in violation of the following sections of the FDCPA : Section 809 ( a ) : Validation of Debts CACi failed to provide any written notice containing the amount of the debt, the name of the creditor, and a statement that, unless the consumer disputes the validity of the debt within 30 days, it will be assumed to be valid. 

Section 809 ( b ) : Disputed Debts Upon my dispute, CACi should have ceased collection of the debt until they provided me with the requested verification. They have not only failed to provide verification but have also continued reporting the debt on my credit report. 

I kindly request that the CFPB investigate this matter and take appropriate action against CACi for its apparent violation of the FDCPA. I also request that the debt be removed from my credit report if it is found to be invalid or if CACi continues to fail to provide the necessary verification. 

Please find enclosed copies of my correspondence with CACi as evidence of my attempts to resolve this issue. 

I appreciate your attention to this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original bank is XXXX XXXX Bank. The account went into a collection agency named Midland Funding LLC, and then it was sold to Midland Credit Management. Long story short, the account was closed and forgiving and are not collecting money from me because of financial hardship. As of XXXX XXXX, XXXX XXXX Bank is reporting my account negatively. 

Thank you
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion continue to report negative information on my credit files. The inaccurate and incorrect information being reported by XXXX, XXXX and TransUnion is a result of the XXXX XXXX XXXX from XXXX. Some unknown person ( XXXX ) has stolen my identity several years ago and this has affected my credit for several years. I have continuously disputed and have tried to get the XXXX aforementioned credit reporting companies to remove/delete this inaccurate and incorrect information from my XXXX credit files. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are not my accounts and I want them Reinvestigated and removed. This negative inaccurate and incorrect information is affecting my ability to obtain credit, employment and apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resolved balance issue with company, experian still reporting incorrect balance information. Please remove from my credit report.
Product: Debt collection

this company placed a collection on my report and failed to validate the debt after i requested and continued to call after i requested them stop calling and send any communication to my mail
Product: Credit reporting or other personal consumer reports

Hello, These inquiries were unauthorized, as a result I have frozen my Equifax report, requesting removal. Also sent dispute letter to Equifax with no reply. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Data Consumer Assistance, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  SC XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Was sent over by doctor from XXXX XXXX XXXX XXXX XXXX to have test done. They were in the same XXXX XXXX building and used the same receptionist and front desk. Was never told that they were not under my insurance. Disputed bill with XXXX XXXX multiple times and was never responded to. XXXX disputed the bill multiple times with representatives over telephone on XXXX XXXX, sent a letter on XX/XX/2021 and additional phone calls later, and was never responded to, and only sent bills. Was turned over to collections with no written warning from either XXXX XXXX or Express Recovery XXXX, and never received notices for payment. Express Recovery XXXX then filed collections on all three major credit reporting agencies dropping my credit score over XXXX points. Was never notified of this either. Disputed results multiple times with credit agencies. Disputes were found in my favor and removed for 1-2 days and then Express Recovery XXXX then submits a new collection account with no contact whatsoever. Both XXXX XXXX and Express Recovery XXXX are in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act CKS Prime Investments {$840.00}, XXXX XXXX XXXX {$700.00}, XXXX XXXX XXXX, {$360.00} XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX {$230.00}, and XXXX XXXX XXXX {$230.00} has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Product: Money transfer, virtual currency, or money service

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Formal Complaint Regarding Unauthorized Transactions Dear Sir/Madam, I am writing to formally report an incident involving unauthorized transactions on my account with Bank of America, which occurred on XX/XX/XXXX. I am deeply concerned about the handling of my account security during this situation and am requesting your urgent assistance in resolving this matter. 

On XX/XX/XXXX, I visited the XXXX XXXX XXXX in XXXX, Florida. Unfortunately, I consumed too much alcohol, rendering me unable to make rational decisions or effectively communicate. In my impaired state, I requested help from an unknown man to withdraw money from my account. While I was able to retrieve the initial amount I intended, this individual retained my card and subsequently made unauthorized withdrawals, leaving my account with nearly no funds. 

I later discovered that this individual made multiple attempts and eventually succeeded in withdrawing additional funds. Shockingly, I was informed that this person communicated with Bank of America on my behalf, despite not being authorized to access my account. 

I feel extremely vulnerable and unprotected, as the bank allowed an unauthorized person to access my account, despite the lack of proper identification or authorization from me. 

I respectfully request that you : 1. Investigate the transactions in question and provide a detailed explanation of how this individual was able to gain access to my account. 
2. Review and share any recordings of phone calls made during this time.

3. Reimburse the unauthorized transactions, as they were made without my consent.

4. Advise on any additional steps I need to take to prevent such incidents in the future.

For your reference, I have reported this matter to the local police and obtained a police report, which I am attaching to this letter for your review.

I trust that Bank of America will take this matter seriously and take the necessary actions to resolve my concerns promptly. Please acknowledge receipt of this letter and provide me with a case number for follow-up. I look forward to your response within 14 days from the date of this letter.

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect addresses and fraudulent or error accounts appearing on my credit as follows : Incorrect addresses are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts in error are : XXXX XXXX XXXX XXXX Balance {$220.00} ( Only on Experian ) XXXX XXXX XXXX Balance {$450.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX Balance {$400.00} I have contacted each of these and most of which are third party debt collection agencies and it is against the law per FCRA Section 604 15 U.S. Code 1681 B, to produce these false debts for which they have not verified.
Product: Mortgage

PHH Mortgage bought our loan from XXXX. They failed to apply the funds from our original escrow account to our homeowners insurance company. They claimed that they sent us a disbursement check twice, but we have not seen this. They are now claiming that we owe them more in our mortgage because they are charging us for XXXX escrow accounts, since they are claiming that they sent us the disbursement check and they paid our insurance company. They have not sent the disbursement check and it has been more than the 30 days required for them to resolve issues.
Product: Credit reporting

I HAVE DISPUTED WITH EQUIFAX ABOUT INQUIRES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE THEY STATED THAT THEY HAVE INVESTIGATED MY INQUIRES BUT I KNOW THEY HAVE NOT THEY WILL NOT SEND VALIDATION FOR THE INQUIRES I KNOW THAT THE INQUIRES DO NOT HAVE NUMBERS THAT ARE WORKING THE INQUIRES ARE AS FO LLOWS 1-  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

I am a victim of identity theft and the following accounts are not my responsibility XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

As recently as, approximately XX/XX/XXXX, I have disputed a charge card by XXXX Department store. I was never late and paid balance in full a little over {$430.00}, however, my credit report shows paid on time for years, and then a charge off. I never had a balance and even reached out to my banking institution to retrieve debit payment archives, that the bill ( not debt ) was paid in full and in a timely manner, versus what is being reported. My credit report shows false information and a now charge off. I continuously reach out to Experian, in particular to dispute the information, however they recently updated my credit report as a charge off with XXXX that wasnt reported in previous reports. I went inside the XXXX location in XXXX Texas to close the account personally on or about the year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the following account which I believe was reported in error. 

XXXX XXXX XXXXXXXX Balance : {$1600.00}
Product: Checking or savings account

SoFi Bank Checking they restricted my account due to unusual activity as per them but i even asked if i can send them my information to verify myself. I have done it when i first opened it. Im undergoing a medical hardship case XXXX XXXX XXXX XXXX XXXX XXXX  and that money i use for co-pays. I asked them for a reason of my account being restricted and they told me they didnt have to tell me.
Product: Checking or savings account

XX/XX/year> cash app made XXXX unauthorized transactions to my account the first was for {$60.00} dollars the XXXX was for {$40.00} dollars in the last transaction was XXXX totally {$200.00} I contacted them immediately through their chat at the time because there was no one you can talk to live in XXXX  recently I reached out to them asking them about the transaction in there not willing to take accountability for taking money out my account unauthorized please help me..
Product: Mortgage

I closed my refinance in XXXX this year with Guaranteed Rate. My first payment on the new mortgage was in XXXX which I made in addition to several Principal payments. 
In early XXXX I received notice from Guaranteed Rate that my loan servicing will be transferred to PNC Bank, effective XX/XX/2021. The balance on my mortgage was {$320000.00} in early XXXX. As XXXX neared, I set up on-line access with PNC mortgage and saw that the balance information they had was incorrect. PNC had the mortgage balance at {$320000.00}. 
I called PNC on XX/XX/XXXX and spoke with a servicing person to let them know of the error and also emailed the servicing dept. the same information and documents I had to show the correct balance was {$320000.00}. PNC said they would research and resolve the matter. I waited a week but no word from PNC. I called them back in the second week of XXXX and they said they were still researching. They promised that they would get back to me in a matter of a few days, but I have not heard from them. I checked today on-line and they have not corrected the loan balance. My mortgage payment is coming due for XXXX and I hope this matter would get corrected ASAP.
Product: Student loan

My student loan was recently transferred from XXXX to FedLoan Serving. I have no complaints about XXXX and was never late on a repayment with them in three years. My first repayment with FedLoan servicing was late because I was never properly informed of what servicer my loan went to, when my new payment was due and where to go and pay it. By chance, I stumbled upon FedLoan 's website and logged in to see DELINQUENT attached to my loans. This is unacceptable and may very well affect my credit score.