23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I filed a police report with the XXXX XXXX XXXX account stating that it is a fraudulent account. The XXXX XXXX XXXX account was previously removed from my credit report and had been resolved. However, I recently noticed that I C System Inc. has placed this account back on my credit report. This action is unexpected and has caused concern, as I believe the account should not be re-reported. The reappearance of this account is impacting my XXXX XXXX and overall financial standing. I am requesting that I C System Inc. remove this account from my credit report immediately. The re-reporting of the account is an improper action, and I would like clarification on why this occurred. If the account has been resolved or deemed fraudulent previously, it should not appear again. Ensuring accurate credit reporting is essential for maintaining my financial health. I urge I C System Inc. to take corrective action to remove the account.
Product: Checking or savings account

I was a victim of some online bank scam someone had gotten ahold of my bank card info and tried depositing a check into my account then tried transferring funds. The bank had froze my account because they knew it wasn't me. In the terms and conditions in Bank of America 's welcoming packet it states if anything happens like what happend to me they would provide an attorney for me to handle the case. But instead I had been arrested and had to pay for an attorney and to get bonded our of jail. I lost a good family friend and customer. Because I have a construction company. I had went into my local branch and asked for XXXX and all paperwork that had to do with the for said transaction aswell as if they would provide an attorney for me and they refused to do anything there packet said they would or even give me proof of what they told me that happend with mine and my mother 's bank account so I could get the charges dropped and they refused to even provide me with the transaction papers which I was getting blamed for. When if I did try doing what they said then give me the paperwork for my account and transactions? Now I have a charge on my record because the District Attorney would not listen to me nor the law or allow me to represent myself. So I had to hire an attorney because both court appointed attorneys would not fight for me even tho I provided proof I was innocent and showed them the law and asked them to state this to the judge and they wouldn't and said if I don't plead guilty I was going to prison so I then paid an attorney alot of money for somthing that was done online and had nothing to do with me but it had to do with someone in XXXX had my account info somehow just so I wouldn't get jail time but my attorney said seeing as I was arrested in the pass that I had to plea guilty because the Distract Attorney will not reduce the charges anymore so plea guilty and go home or fight the charge and pay thousands of dollars and still get jail time. So I just said I guess if I have no choice I will plea guilty so I don't go back in jail for something I had nothing to do with. I feel Bank of America should be responsible for paying for an attorney and have my charge reversed and dismissed and pay me back all the money it cost me for lawyer and bond and loss of wadges and deformation of character etc.?
Product: Credit reporting, credit repair services, or other personal consumer reports

As a follow-up to my earlier CFPB complaint asking that some of the disputed accounts reporting inaccurate information on my credit file be corrected, I am submitting this complaint. I have the right, in accordance with the Fair Credit Reporting Act 's provisions, to seek an examination into my credit file at no cost and to have any erroneous or deceptive information removed from it. Please fix the following accounts, or better still, erase them : 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  You've been telling me that these accounts are true, but you've never sent me any proof to back up your assertions. I expect that these accounts will be instantly rectified as soon as feasible without such crucial papers.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I was a victim of Identity Theft and early in XXXX ( XXXX ) I've discovered numerous fraudulent accounts open under my name. I have immediately initiated credit freeze on all 3 Consumer Credit report agencies. I have also filed ID Theft report with Federal Trade Commission and filed Police Report - copies are attached ( XXXX XXXX ). I have also disputed the accounts with all three credit agencies. As advised by the police, I have sent the package with Identity Theft Affidavit, copy of the FTC report and Police report to each of the credit companies. Most of the creditors cleared the fraudulent records from my Credit Report, however there were few that mailed back saying that per their investigation they believe the accounts belong to me. These accounts are now under collection status. I have called them ( In XX/XX/XXXX since I had a baby in XX/XX/XXXX and was busy with baby ) and asked to re-open the investigation and requested to send me the list of transactions that are associated with the accounts ( per FCRA Section 609 ( e ) ), however they refused to do so. I am stuck and don't know how to proceed further. I am asking to please look into this matter and help me resolve the remaining fraudulent records in my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX  - I spoke with XXXX XX/XX/XXXX. The case # XXXX. This is now the third case and the previous two did not have any resolution XXXX XXXX XXXX XXXX XXXX  - line of credit. I spoke with XXXX XX/XX/XXXX and I was told that there is nothing they can do, as their investigation shows that the account is valid. Again, I have not received any benefit from these accounts. 

XXXX XXXX XXXX  - credit card. I spoke with XXXX XXXX XXXX department supervisor XX/XX/XXXX and I was told that there is nothing they can do, as their investigation shows that the account is valid. Again, I have not received any benefit from these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My billing cycle for this credit card end on the XXXX of each month. On XXXX XXXX, my statement closed with a balance of {$0.00}. However, it was reported on XX/XX/XXXX with a balance of {$250.00}. I think that its misleading and unfair to show one balance on the statement but reporting a different balance to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

. When I requested the same information from the XXXX XXXX XXXX XXXX account which was over 7 years old they provided the information that I needed, and I was n't responsible. Therefore, I naturally requested that same information from XXXX XXXX upon closing the account. XXXX XXXX customer service/debt collectors continued to resist providing any information regarding ownership of the business account. XXXX XXXX provided, no letter 's, nothing on federal guideline facts. I 'm now just being informed of this federal guidelines fact on Friday XX/XX/XXXX, why was n't I informed of this fact upon on closing of the account? The reason I decided to stop using XXXX XXXX was poor customer service from your global locations, and it 's had to find places that take XXXX XXXX in XXXX. XXXX XXXX debt I paid that immediately when that showed up on my credit report. I yearly use and pay of XXXX Dollars in Credit. I pay my bill 's on time and I have an impeccable payment history. I will not stop, until this it 's been removed from my credit profile, and that has to happen immediately, if not I shall seek compensation. CFPB Ref No : XXXX Ref : XXXX Subject : Your XXXX XXXX XXXX Business Credit Card Ending in XXXX Account Liability Credit Reporting Dear XXXX XXXX, Account Liability We are required to retain copies of applications for a period of 25 months according to federal guidelines. Our records reflect that your account was opened on XXXX XXXX XXXX. Therefore, we are unable to provide a copy of the application you submitted for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a concerning matter involving Experian 's failure to conduct a proper investigation and subsequent removal of an inaccurate account from my credit file. This situation is in direct violation of the Fair Credit Reporting Act ( FCRA ) and demands immediate intervention to rectify the issue and uphold the integrity of credit reporting. 

I have identified an erroneous account listed on my credit report, which is adversely affecting my creditworthiness. The details of the account are as follows : Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  XXXX I have followed the appropriate procedures to dispute the accuracy of this account directly with Experian, providing all necessary documentation and evidence supporting my claim. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to conduct a reasonable investigation within 30 days of receiving a dispute. It has been well beyond this timeframe, and Experian has failed to meet its legal obligation to conduct a thorough and proper investigation. 

Furthermore, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA, if the credit reporting agency can not verify the accuracy of disputed information, it must promptly delete the disputed information from the consumer 's file. Experian 's refusal to adhere to this provision is a direct violation of my rights as a consumer. 

I kindly request the Consumer Financial Protection Bureau 's immediate intervention in this matter to ensure that Experian fulfills its legal obligations under the FCRA. I urge you to investigate this case thoroughly and expedite the removal of the inaccurate account from my credit file. This action is critical to restoring the accuracy and integrity of my credit report and maintaining the consumer protections established by the FCRA. 

I have attached copies of relevant documents to support my claim and request that this matter be addressed with the utmost urgency. Your prompt attention to this issue will be greatly appreciated. 

Thank you for your assistance in resolving this matter and upholding the consumer rights protected by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Cavalry Portfolio Services XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request for Purchase Agreement and Verification of Debt Dear Sir/Madam, I am writing in reference to the account that you are claiming is owed by me. I am requesting a full and complete validation of this debt, including the purchase agreement and all relevant information used to verify that this debt is indeed mine.

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive a validation of this debt within 30 days of receiving your initial communication. As such, I request that you provide the following : 1. A copy of the original purchase agreement or contract, including any terms and conditions associated with the debt.

2. Detailed documentation that clearly verifies the debt was assigned to your company, including the chain of ownership of the debt and any supporting records. 
3. Any other documents or information used to verify that this debt belongs to me. 

Please note that I expect all information to be provided in a clear and legible format. If you can not verify this debt or provide the requested documents, I demand that you cease all collection efforts and remove any negative reporting related to this debt from my credit file. 

If you do not respond to this request within 15 days, you will be in violation of the FDCPA, and I will consider further action to protect my rights under applicable consumer protection laws. 

Please send the requested documentation to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Checking or savings account

In XX/XX/2023, a merchant by the name of XXXX got into my account and took {$150.00} out. This person is a scammer. I reported it to my bank which is Chime who started an investigation into this. The bank gave me back my XXXX XXXXXXXX. On XX/XX/2023, chime took back {$150.00}. Which is more than the merchant got. I called and asked for another investigation and it was denied because they agreed with the merchant. I explained that I did not know who XXXX was and the support stated that was all that was on them. Chime took more money than the XXXX took out of my account and refused to refund me money. This XXXX is a scammer and I would like someone to stop them. I also filed a complaint with the XXXX.
Product: Payday loan, title loan, or personal loan

I dont have an account with this company. The name of the company is explore credit. When I received a charge through my checking account in the amount of {$280.00} I began to research who this company was to find a phone number to call them and let them know that this charge to my checking account was fraudulent. I had spoke to someone by the name of XXXX who advised me that I had applied for a loan and received {$900.00} and they were debiting my account. I explained to the customer service rep that I did not apply for a loan and I didnt even know anything about them. I explained that they should not be taking out any funds from my account. He then put me on hold, asked me for my Social Security number, which I was reluctant to have to give him to get the any where with the situation. 

He advised me that there was an error and that it would take 3 to 5 business days for the funds to go back into my account. I explain to him that I didnt have an account with him. Why is it taking so long for the funds to end up back into my account, he stated that thats just how Banking works. I said to him do you just go around just taking money out of peoples accounts that dont even have an account with you I mean how did you get my information anyways, he couldnt answer that question. I explain to him that he had put me in a horrible bind as I have XXXX XXXX XXXX XXXX and a holiday tomorrow. He couldve cared less but I find it kind of strange that this gentleman had my information including my checking account information as well as my Social Security number and I did not have an account with his company nor did I ever apply for a loan with them, they now have my money and are telling me that I have to wait. He told me I could contact my bank and they could put a request in to reverse the funds. I explain to him that it should not be up to me to have to deal with any of this Since I didnt have dealings with his company that they have put me in a horrible bind he gave me an empty gesture and hung up the phone.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 a few Personal credit card accounts. 
Account name : XXXX XXXX XXXX  Date Opened : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified that I had a late payment with XXXX bank when I contacted XXXX bank they admitted that they made a mistake when they purchased XXXX bank and that is all automatic payments did not migrate to their system. I was under the impression that my payments to truest bank are being deducted from my bank account as it was in the past with XXXX that turned out to be not the case on XXXX different occasions I talked with XXXX bank representative and they all admitted that the bank had made an error in the reporting but they kept telling me that I have to file a credit dispute with the credit agencies which I did in the credit agencies came back all XXXX  of them that the information is correct and the debt was late they never took the time to investigate this simply just reaffirmed the debt on XX/XX/2023 I talk to XXXX XXXX XXXX and her supervisor at XXXX bank XXXX XXXX XXXX who also admitted that the bank had made an error but she said that she couldnt do anything about it it is now in the hands of the credit agencies. If the credit agencies are reporting false information that is extremely damaging to my reputation and my financial well-being they should be held accountable I would appreciate your help in this matter as my credit score dropped by 100 points because of the credit agencies actions as well as XXXX XXXX actions
Product: Student loan

Pressure to enroll to XXXX XXXX by calling several times and being charge for full cost of the course when i only attended a couple months. I been making my payments on time and it seems that the balance still the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, CITIZENS ONE AUTO FINANCE add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX  - XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Student loan

I attended XXXX College in XXXX Ky, XXXX XXXX ( Closed Now ). I started in XX/XX/XXXX through XX/XX/XXXX. I have already signed up for lawsuit against XXXX College through the Attorney Generals office. They told me to contact your office ... 
After spending 2 years to receive my XXXX Degree in XXXX at XXXX College an after attempting to pass the Certification Test that you must pass to get a job and costing XXXX to do so i did n't pass how amazing considering that XXXX admitted to having teachers teach that where incompetent. My degree is worthless I have lost 2 years of my life for absolutely nothing. My loans are with Navient, Navient sent me a letter XX/XX/XXXX to inform me that I may be eligible for a discharge because XXXX is closed. I sent them all the paperwork I had explained to them how XXXX treated their students, how I did n't think i should have to pay a loan off when the school admitted to having teachers that where incompetent how, XXXX would have XXXX separate classes in XXXX room, i did my internship filing for a company for 90 hrs, never once did any billing or coding, they did n't care, they would keep your money so you would have to buy their books i was lucky enough to be able to rent mine and you would have to ask for your check daily, they tried to make us pay a fee called tuition options an if you did n't pay they would threaten you with having to drop out of school i personally spoke with XXXX XXXX, president of XXXX, about this fee I told him it was illegal what he was doing and I was never contacted again about this so called tuition options fee. And a lot of people paid this not knowing the truth. On XX/XX/XXXX I received an email from a teacher at XXXX letting me know they had extra training classes if I wanted to attend, yeah they could n't teach me right the first time I was n't stupid enough to go back, I figure they offered these because they knew what they had done.. Also they charged me (. cash only ) to test out of a computer class instead of using my loan money. XXXX is horrible and they should have to pay the government back and myself an other student loans should be discharged. Its disgraceful why would the government keep giving money to a school that was being sued??? My XXXX teacher talked about her personal life more then taught. Accounting teacher had her back to our class 95 % of the time..Needless to say Navient denied my discharge due to school closing after lawsuits because of some 120 day period. I hope you can help us all ... I am not in collections or behind on payments as of now. Naient told me i dont have to start paying until XX/XX/XXXX..Hopefully I wont have to