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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under. 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. 

Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$780.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Credit card or prepaid card

I was given two American Express Reward Cards for a retirement gift, one for {$1000.00} ( # XXXX XXXX XXXX ) and one for {$500.00} ( # XXXX XXXX XXXX ). Upon trying to use the cards after the expiration date on the cards American Express told me once the expiration date passes, American Express keeps any unused money as stated in the card agreement. The cards were never used. The cards were given to me as a gift without any paperwork. On the face of the card they are labeled American Express Reward Card and have an expiration date. On the American Express web site there are numerous reward cards listed with their related agreements as follows : American Express Reward Card ( Freedom ) American Express Reward Card ( {$2.00} at 12 Month Fee Down ) American Express Reward Card ( {$2.00} at 6 Month Fee Down ) American Express Reward Card ( {$3.00} at 12 Month Fee Down ) American Express Reward Card ( {$3.00} at 6 Month Fee Down ) American Express Reward Card ( Sweep ) Only the Sweep card expires, all others can be reinstated after the expiration date. There is no way to tell by looking at the physical card given to me that it is a Sweep card. This is very misleading, to be fair to consumers American Express should clearly state on the face of the card the type of card and the fact that it is a use it or lose card. This is especially deceptive given 6 of the 7 Reward Card agreements do not expire.
Product: Checking or savings account

On XX/XX/XXXX I opened a bank account and on XX/XX/XXXX I deposited a check for XXXX and it has not been released after 10 business days account credited and frozen
Product: Debt collection

The rental company ( the company is called XXXX XXXXXXXX ) billed me an amount that I did not agree. They stole my entire security deposit and even tried to steal more money from me by using this illegal debt collector. I responded to the debt collector and disputed the bills with below reasons and proof : - I never agreed with the so-called {$300.00} removal of trash charge ( i removed all the cash when i moved out ). The charge is illegal. 
XXXX XXXX XXXX XXXX manager threatened and cursed me- The billing is illegal as the charged amount is not included anywhere in the leasing agreement- XXXX XXXXXXXX violated the leasing agreement several times, including changing my apartment unit after the leasing agreement was signed - XXXX XXXXXXXX intentionally lied and did not disclose important negative info about the property The debt collector did not respond to my dispute and failed to prove the billing was legal or legit. Instead, they fraudulently filed to my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Request for Access to My Credit Score and Report To Whom It May Concern, I am writing to request immediate access to my credit score and full credit report, as I have been unable to view this information. Under the Fair Credit Reporting Act ( FCRA ), I understand that I am entitled to access my credit report and related information to monitor my financial standing.

Despite my efforts, I have been unable to obtain or view my credit score through [ specific source, if applicable ]. I kindly ask that you investigate this issue and provide me with access to my credit information immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

We were supposed to close on the property on XX/XX/XXXX. Due to USAA erroneously closing out the paperwork regarding this sale in their system, closing on the property was delayed. We had to wait 2 weeks for USAA to assign a new person to our account, wait for that person to read and agree to the documentation to proceed to closing. We made every single payment on the mortgage on time and in the amount due since XXXX. The closing finally took place on XX/XX/XXXX. Due to the different departments at USAA not communicating, the sale wasn't known by the loan department who subsequently reported my now ex-husband and I as being late on one ( 1 ) payment in the entire 14 years we had the loan. I spoke with USAA on numerous occasions for them to fix their error. Finally, I received a letter in the mail dated XX/XX/XXXX stating that they corrected the dispute on our ( ex-husband and my ) account and notified the credit reporting agencies of their error so my credit report would be fixed. It is now 5 months later, I have reviewed XXXX, XXXX, and XXXX and they all still show I was late on one ( 1 ) payment that I wasn't. 

When my ex-husband called USAA to have this same issue fixed on his credit reports and to receive a letter like the one they sent me, he was told they could not send him one in his name since they already generated a letter for me, however, the letter I received does NOT reference XXXX 's name at all, nor did they go through the process to fix the error they caused on his credit report. This is so unacceptable. 

This is severely affecting my credit score and hindering my ability to buy a house for my son and me. I am recently divorced and need to provide a home for him. I am a XXXX XXXX XXXX veteran and want to use my VA certificate for the loan. Based on their rules, I will need to wait until the late payment falls off my credit report to use it. I close on my current house at the end of this month and am in the process of buying a new house and am now experiencing difficulty obtaining a mortgage. Please look into and assist in rectifying this matter. Thank you.
Product: Checking or savings account

Capital One Bank 's response is false to my earlier complaint COMPLAINT ID XXXX. The electronic payments were made payable to XXXX XXXX instead Mayflower XXXX as I requested. Proof of this was received late XXXX by the subpoena from the subpoena department XXXX Capital One Bank. In XX/XX/XXXX I requested a refund to correct the bank 's error, and I sent a copy showing payments to XXXX XXXX instead of mayflower  to the office of the president of Capital One Bank after speaking with XXXX of that office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the collection on my credit reports. First, I have been covered by medicaid since early XXXX and my son had been covered since XX/XX/XXXX, therefore any medical bills I may have incurred were paid in full by Medicaid as it clearly states me and my son are Medicaid recipients in our medical records. Therefore there never should have been ANY outstanding medical bills. That makes this a violation of HIPPA and federal law. Second, although XXXX has the date listed as XX/XX/XXXX for the first date of delinquent, this collection showed up on my credit report on XX/XX/XXXX. In XX/XX/XXXX I disputed this collection with the 3 major credit bureaus and it was removed from XXXX  and XXXX but not Equifax. Both me and my son insurance company have been reaching out since XXXX to the providers office/hospital and the collection company to explain to them that my son and myself have been covered medicaid recipients since XXXX. Our insurance company even offered to send our medicaid coverage over to XXXX to show we have been covered and they instructed me and our insurance company to pay the bill and its nothing XXXX can do. When I also reached out to XXXX via email regarding a debt validation letter for the account that they listed on my credit report they issued me a Payment History for another account with a different date of service. I also asked XXXX since XXXX to send me a debt validation and an itemized statement for the account they have listed as delinquent on my credit reportand they keep issuing me collection bills instead of the information I asked via phone to be to be sent to me from XXXX. Since XXXX The hospital where my son was seen have been informing our insurance company that my son was covered and they did receive a payment for the date of service he was seenwhich was in XX/XX/XXXX. Our insurance company have filed multiple grievances on our behalf against the provider and XXXX. The same bill turned up AGAIN and is continuously being reported on my credit reports. This bill that was paid by Medicaid has been haunting my credit report for years and has caused me great financial difficulties as a result of it being there. Now, im in the process of filing a grievance with the U.S department of Health and Human services and our local department of Health and Human services and our insurance company as well against XXXX and the provider, I want this collection removed ... immediately.
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus and XXXX BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my student loans the payments were automatically deferred due to COVID19. I did not opt in to deferring the payments as I am able to pay my payments through these times. 

My credit score has decreased as a result of the automatic deferment. A remark was made to that account. 

" Between XX/XX/2020 and XX/XX/2020 the following remark was added to this account : Student loan - payment deferred ''
Product: Money transfer, virtual currency, or money service

Bought around XXXX $ worth of items from XXXX craft store. Used cash app card perk for 5 %. Charge was pending on cash app then updated to double the price. Equal to double the about of items that I obtained
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card

I am the consumer, original creditor and natural person. US Bank has denied my right to credit as I applied for a Fidelity Rewards Visa Signature credit card account in XX/XX/XXXX  in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), US Bank violated federal law by denying my credit application. US Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, US Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX Account number XXXX has violated my rights15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the fair credit reporting XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights to privacy.

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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 


Item # 1 : I dispute Enhanced Recovery CO L Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the consumer credit reporting agency, Experian for 20 months. I have sent affidavits, police reports, certified compliant/demand letters to Experian. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that Experian added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX, XXXX XXXX/XXXX all XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. My last certified letter that I sent Experian was on XXXX XXXX, 2017 and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have added fraud alerts to my files. Instead of investigating my disputes the credit bureaus have sent fraud claims to my creditors when fraud was not claimed. I asking for investigations of items that seemed incorrect, inaccurate, or not mine ... Fraud alerts without my phone number are useless ...
Product: Debt collection

Caine & Weiner collection agency has continued to attempt to collect a debt from me that has already been paid directly to XXXX XXXX. I have provided proof to this company that the amount of {$100.00} and {$190.00} has been paid to XXXX XXXX, however they continue to ignore my request to cease and desist. I currently have multiple policies with XXXX XXXX, but in order to obtain these policies I had to pay the past due balances of {$100.00} and {$190.00} which were paid directly to XXXX XXXX on XX/XX/23. At one point in time Caine & Weiner deleted this information from my credit reports but have resorted to placing this information back on my credit reports which is a violation. It has been established that I do not owe this money and it was removed from my credit report, so it needs to remain that way. Caine & Weiner continues to damage my credit score when the continue to attempt to collect this debt from me and place it on my credit report as debt that I owe ; that I do not.
Product: Debt collection

I was served with papers to collect over {$6000.00} on a Citibank card I never had. I called the firm representing Citibank, XXXX XXXX  XXXX, and informed them it was not my debt. The attorney, XXXX XXXX, told me he would ask his client for copies of the statements as all statements attached to the complaint lacked what the {$6000.00} was spent on. I received a letter from Citibank asking me to circle the disputed charges on the statements I had and return to them. I wrote back via trackable Priority Mail that I did not have any statements to do that to, as all of the statements attached to the complaint were empty of purchases. Citibank then sent me a letter stating that because I didn't circle which purchases weren't mine on the statements, they concluded the purchases weren't mine which is disengenous to say the least since I never had them.

I am beginning to suspect that Citibank has no records related to why I supposedly owe them $ XXXX.
Product: Debt collection

Ic systems sent me into collections. I never recieved a phone call or notice by mail or attempt to collect debt. When I attempted to dispute through XXXX, I was told they have my correct phone number and mailing address on file. If so why did I receive no correspondence. XXXX  went onto to say debt was valid with no proof or documentation sent to me via mail date XX/XX/20 collections started. Ive made multiple attempts since then to get verification of debt for a XXXX XXXX  bill totaling XXXX