23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX account XXXX XXXXXXXX Account Name : XXXX XXXX XXXX account XXXX XXXXXXXX Account Name : XXXXXXXX account XXXX XXXXXXXX Account Name : XXXX XXXX account XXXX XXXXXXXX Account Name : XXXX XXXXXXXX account XXXX XXXXXXXX Account Name : XXXX account XXXX XXXXXXXX 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. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Debt collection

I XXXX XXXX am a victim of identity theft and violations of the fdcpa by Jefferson Capital Systems ; XXXX XXXX ;, furnished a report in reference to my social security number regarding an alleged debt Jefferson Capital Systems ; claims is owed on account number : XXXX This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt.Khimmat v. Weltman, Weinberg and Reis Co. , LPA, E.D.Pa.2022, 585 F.Supp.3d 707. Finance, Banking, And Credit 1487 The consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. Bishop v. I.C. System, Inc., M.D.Fla.2010, 713 F.Supp.2d 1361. Finance, Banking, And Credit 1484 WHEREFORE, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and these account be REMOVED from all three of consumer reports.

Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. Webster v.

ACB Receivables Management , Inc., D.Md.2014, 15 F.Supp.3d 619.Finance, Banking, And Credit 1484.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XX/XX/XXXX DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXX DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXX- DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXX XXXX - DATE OPENED XX/XX/XXXX
Product: Checking or savings account

We have a checking account with Bank of America. On XX/XX/year>, we received a call from the Bank of America fraud department stating that they saw suspicious activity of over {$4000.00} payment to a XXXX credit card on our account and they asked what action we wanted to take. I told them to deny the charge that it was not something that my wife or myself has charged. They told me they would call me back that day, and they never did. I called them back the next day to verify that they received the message to block the charge, and they said they couldn't because the account was locked. The person I spoke to said that the account was locked it meant the charge was handled. 

Meanwhile, my other bank that I have an account with XXXX XXXX XXXX XXXX XXXX, also had a suspicious charge that they called me to verify on the same day. When I told them that the charge should be denied, they immediately locked our account and issued us a new account number and debit cards. The charge never went through. 

On XX/XX/XXXX, the {$4000.00} showed as pending in Bank of America and then the charge went through. I immediately called and they told me that they could not escalate because it was considered a Bill-pay and that I was misinformed that they were going to call me back on the XXXX. I submitted a claim and we received a letter in the mail a week later that they would not investigate further because the charge was consistent with previous valid account activity. Though we have do have a XXXX credit card, we have never used Bank of America to pay and the last four digits that show with the charge is not our account number. I filed a 2nd claim on XX/XX/XXXX, and we received the same letter on XX/XX/year>. I called again to submit a 3rd claim. I tried to ask for additional information so we can prove that the activity on our account was not ours, but they refused to provide any additional information. I have now submitted a 3rd claim. On XX/XX/year>, I have also filed a police report with our local police department.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with XXXX and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit by XXXX. XXXX indicated that Equifax was source of info. 

Equifax refused to provide credit report from online sit and refused to provide report via telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to know what is Experians policy on not responding to a complaint within the 30 days period given by FCRA, according to FCRA all disputed items has to be removed if not responded to within 30 days. I have provided dated certified mail receipts, copies of dispute letters, but yet the accounts in question still remains. My first letter was sent on XX/XX/XXXX and it was received by Experian on XX/XX/XXXX to which I did not receive a response so I sent another certified letter on XX/XX/XXXX which was received by Experian on XX/XX/XXXX. Copies of the Certified mail receipts and letters are included in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am doing a submission of complaint today for 12th time as a follow up regarding the dispute the fraudulent items on my credit record. I insist immediate removal of these items from my credit reports. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), it is the duty of the credit bureaus to ensure the accuracy of the information they furnish. Once again, these fraudulent items are evidently inaccurate and are detrimentally affecting my creditworthiness. And I have already provided all necessary documentation to establish the fraudulent nature of these items. I even have formally requested the responsible creditors to investigate these fraudulent items and REMOVE them from my credit reports. I once again demand to the XXXX, Equifax and XXXX Credit Bureaus to remove these fraudulent items from my credit report expeditely, and provide me with a written confirmation of the removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a payment amount on my XXXX XXXX XXXX XXXX  XXXX. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$25.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.
Product: Checking or savings account

My name is XXXX XXXX I need my dispute claim Claim Reference Number : XXXX to reopen and reinvestigated and appeal because I disagree with the dispute decision because I did contact the business but they couldnt help me they say to contact my bank to dispute. My name is XXXX XXXX XXXX and contact me at XXXX XXXX
Product: Credit card

I purchased a pair of sneakers for XXXX. They never arrived and not tracking information was provided. The company claims they sent it and it was delivered but I received nothing and no tracking information was provided. I submitted a claim to my card but it was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX sent me a text that my card had been used in the middle of the night. I woke up and contacted them to let them know it was not me. I asked them to close my card. I paid off the XXXX dollars I had on the card. However a year later they sent me an email saying I had a balance. I called and talked to a man who said my card had not been closed but that he did see I requested it to be. He said it would be resolved however its been 23 months and they are not going to fix it. Prior to this fraud and request to close my account I paid my balance off monthly which shows I would not just let it go unpaid if it were me. They did not close an account after I reported fraud and requested it be closed.
Product: Debt collection

My phone number is on a Do Not Call Registry and this company keep calling me every week about a debt belonging to someone else. 

The company name is XXXX XXXX, A Debt Collector. The number they left on my answering machine is XXXX XXXX XXXX XXXX.
Product: Mortgage

We purchased this house with a FHA XXXX loan. The total loan amount is $ XXXX. The property purchase price is $ XXXX leaving $ XXXX for renovations. We have only used $ XXXX leaving a ballance of $ XXXX. We do not need the $ XXXX remaining. I want my mortgage to refect that amount ( $ XXXX ). We needed this modification because the banks HUD Inspector approved the contractors bid that the inspector knew could not be done for the amount quoted. The inspector told us this in XX/XX/XXXX. That why we needed the first modification. We supplied all finishing materials which made rehab fit the remaining budget. When we moved in on XX/XX/XXXX, all the plumbing had to be redone, everything leaked. The inspector approved and paid for faulty plumbing. We asked for a second modification to cover the cost to make repairs. All modifications were necessary because the inspector failed to do his job. 
Finance of America 's XXXX XXXX recommended the realtor XXXX XXXX XXXX. Who recommended XXXX XXXX XXXX XXXX who grossly under bid the contract, and breached the same contract. Then Finance of America 's HUD inspector XXXX XXXX recommended XXXX  XXXX, who he has paid for unnecessary and incomplete work XXXX. The broker recommended the realtor. 
XXXX. The realtor found the house and the contractor, who breached his contract XXXX. The HUD inspector recommended the second contractor who has not completed the work but has been paid.This has predatory tendencies all over it and a whole lot of conflict of interest, nepotism, and fraud.
Product: Credit card

I have this Citi XXXX for close to XXXX  years. I paid down the balance to XXXX over a year ago. I get bombarded on a weekly basis with marketing to utilize the card and that I have {$5400.00} as my avaialble credit limit. You can use for debt consolidation, etc. Now I had an interest free promotion coming to an end on another item and decided to pay off the {$3400.00} balance with this card, last week ( XX/XX/2024 ). Yesterday before my new first payment is even due, they unilaterlly lower my credit line to {$3500.00}. This will now have a trigger effect on my credit score to the negative and obviously damage my overall credit standing. How is this allowable or even warranted? My biggest issue with this is the constant marketing via email, snail mail and so on to utilize their product, which I did and now I get punished. I believe this is one of the biggest problems facing consumers today and it kind of goes unnoticed. It's a subtle way for banks to negatively impact one 's credit score by simpliy lower their available credit, which then lowers credit scores and obviously increases interest rates! What a disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Student loan

I have had several conversations with customer service at Mohela ; on XX/XX/XXXX, I spoke with XXXX ; on XX/XX/XXXX, I Blessing ; on XX/XX/XXXX, I spoke with XXXX ; on XX/XX/XXXX, I talked to XXXX, and on XX/XX/XXXX with XXXX, and each time the customer service representative quoted a different amount to repay. I only have XXXX loans and XXXX parent plus loan. Mohela 's customer service representative quoted that the XXXX loans placed on the savings plan would be XXXX, and the parent plus loan would be on an XXXX plan, costing XXXX. The customer service representative told me the XXXX loans would cost XXXX, and my parent plus loan would cost XXXX. I am a state employee, and I can't afford to make that payment. I need to resolve the issue to make payments on my student loan. As it stands now, they are saying I am past due, although a forbearance was requested and issued by the customer service representative on XX/XX/XXXX. I waited on the phone for over XXXX hours each time I spoke with a representative. Each representative was in training and could not assist me.
Product: Checking or savings account

I want all my overdraft fees to be refunded the dates were mid XXXX  total amount was over XXXX dollars I ended up closing the account because of the constant overdraft
Product: Debt collection

Account Name : SYNCB/PPC Account Number : XXXX Date Opened : XX/XX/2018 Balance : Reason : Identity theft Please remove it from my credit report
Product: Checking or savings account

On XXXX XXXX, XXXX, I contacted USAA to report a series of charges made to my account beginning XXXX that I was unaware of. I was informed that a dispute would be put in place which could take up to 30days to resolve, but in the meantime the funds would be returned to my account. Since then, I have been following up with USAA given the fact that the money was not reapplied only to be told to allow " 48-72 hours, '' " someone would be following up with me, '' and as of XXXX. XXXX, " the dispute was not filed properly and that the completion of an unsent form is required. '' I was advised that this form will be sent to me via the site, which I have explained multiple times do not reflect the processing of my dispute nor shows the availability of this form. Today, XXXX, I have called once again to check the status of this dispute to only be returned to queue, placed on silent holds, and transferred without being informed prior. When asked to speak to a supervisor, as I have in the past, I was told one was unavailable. I have been a customer of USAA for over 10years, and during that time they have disappointed me in MANY ways, however, in those cases the disappointment was instant and not drawn out.
Product: Debt collection

Dynamic Recovery keeps contacting and harassing me. They are a 3rd party debt collection agency. One debt is for XXXX and the other debt is XXXX. I do not owe them any money. I filed an Identity theft report and locked my credit report years ago. This debt was with XXXX and shouldve been removed form my credit report. when I checked its not on there. What gives them the right to come to me 15 years later and say I owe them money. 

I dont want them contacting me again the debts are not mine and not theirs to collect on. 
This is wrong and not fair to me. So before they go lying Im filing this complaint. I ve filed with them online letting them know I dont owe them any money Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Albert banking had denied my payroll check. It took weeks for them to finally send back the funds they were holding for it to my company. They then charged me {$1000.00} when they were the ones holding the funds and they never touched my account. I then received my taxes and do not have access to that money either. I am out {$1900.00}. Their support has been no help and stopped responding. This issue has been over a month of me not having any money at all and no one seems to care
Product: Debt collection

I have reached out to this company multiple times and I have heard nothing from them in regards to properly validating this account. They began to harass me via email and phone after I requested validation. I then told them to cease and desist via letter and they have continued to harass me with emails. I even reached out to the bureaus to have this resolved to no avail. I have reached out to them on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. [ These are just the ones I have green slips and letters for which are attached ].
Product: Debt collection

XXXX continues to collect and litigate despite dispute as to liability in violation of the CFPB 's Join Consent Order against XXXX ( FDIC-XXXX, FDIC XXXX, XXXX ).
Product: Credit reporting

XXXX refuses to remove the XXXX XXXX XXXX Auto Collection Account. I request a reinvestigation and removal of said account as it is too old to be on account. Account was charged off in XXXX XX/XX/2009 and the Statute of Limitations have long since run out. Original case against XXXX XXXX XXXX through CFPB is : XXXX. 

XXXX XXXX XXXX has been served a CEASE AND DESIST letter ordering them to stop all contact with me. At this time, XXXX is still reporting an account too old to be on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Experian ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX/ XXXX credit card as they are reporting it on my credit report. They each deemed the account verified. On XX/XX/XXXX I sent a validation letter to XXXX XXXX/ XXXX credit card with my name, date of birth, social security number and the account number that is on my credit report. On XX/XX/XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XX/XX/XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called XXXX and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.
Product: Credit card or prepaid card

I made a cash advance of {$600.00} on XX/XX/2022 which the company attempted to deposit on a closed account even though I put the new account on line they told me it was a mistake on my part, I never received the money, the bank which is the XXXX XXXX  informed me that the transaction dod not go through since the account has been closed since XX/XX/2022 and the money was returned to the sender which is Upgrade, I've called Ugrade XXXX times ( may be more ) and emailed them too, they asked me to submit a bank statement showing the account is closed which I did and followed it up with another phone call I was told some one will call me in XXXX XXXX with the result that was XXXXXXXX XXXX ago, the {$600.00} is posted on my account as deliquent there was a payment due on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not been able to retrieve my credit report/score from the transunion website for the last 6 months. I opened an account with a 3rd party to see what the score was and saw a collection was added on transunion for charter communications that i have never had an account with.