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

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate.

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Check the attachments below.
Product: Credit reporting or other personal consumer reports

In response to your request to remove adverse information that resulted from being a victim of trafficking, we received the required documentation, removed the information you identified and mailed you a copy of your updated credit report. Should you wish to contact XXXX and transunion you may do so. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. 18 U.S. Code 1028A is a federal law that makes it a crime to use another person 's identifying information to commit a felony or terrorism offense. This crime is called aggravated identity theft. 15 USC 1681b section that outlines the permissible uses of consumer reports. It is part of Title 15, Commerce and Trade
Product: Credit reporting, credit repair services, or other personal consumer reports

FOIA of 1974 15 USC 6802 Equifax XXXX and XXXX XXXX are in violation of my rights by allowing my personal information to be used without my consent as the consumer
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against XXXX 's for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading. 
I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. 
Im also aware that once a debt is cancelled, it now becomes gross income. 
Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I never received one. 
I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. 
Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. 
If XXXX 's has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 
Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions. 
If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Product: Vehicle loan or lease

Today Saturday XX/XX/XXXX I received a collections noticed in the postal mail that was dated XX/XX/XXXX. BBVA Compass bank had repossessed my car without my knowledge then sold my car just a few days after my monthly payment. They claim the car was sold for {$10000.00} the remaining balance on the car loan contained within their info is {$12000.00} So that leaves a remaining balance of {$1500.00} along with fees involved with repossession. That being {$1700.00} so Compass bank is asking me within the mailed info to pay {$3300.00} I feel is that they owe me. I had spent {$1000.00} for a brand new set of tires including an alignment. I had also done needed maintenance such as a coolant flush and fill. Along with transmission flush and fill and other services to the car. I put {$2000.00} dollars into the car for maintenance and improvements. Also my  prescription medicine that was left in the car was never returned to me. That was a new bottle and unopened. That is around {$1700.00} for a 30 day supply. Also I had placed {$4000.00} dollars as a down payment for the car. The day after Compass bank repossessed the car they contacted the GAP insurance company and closed the GAP insurance policy and kept the refunded amount of money that was used to opened the GAP policy. I also did not have my pair of eyeglasses returned to me they were XXXX framers and lenses they cost me {$600.00} dollars. So that I had used pretty much all my money on this car and Compass bank is expecting me to pay them {$3300.00} They sold my car 2 days after my monthly payment. I just can not afford another car and I will not ever do any form of business with them ever again.
Product: Debt collection

On XXXX XXXX, 2015 I received a call from XXXX XXXX of Ability Recovery Services LLC about a possible debt. She sent me a bill for the amount of {$400.00} and a letter notifying me I could dispute the charges. On XXXX XXXX, 2015 I replied to XXXX with fact information regarding the account in questions claims that I had paid for the services rendered. 

A few weeks later I received another call from XXXX that she could not validate the account. She also claimed that 'Store It All ' whom claims this debt was to submit her contract information which I had asked her to send me when she received it. 

On XXXX XXXX, 2015 while trying to refinance my home it was brought to my attention that Ability Recovery Services reported this so called debt to the credit bureaus without validating the debt. 

On the evening of XXXX XXXX I tried getting in touch with XXXX but spoke with a XXXX XXXX of Ability Recovery Services whom was verbally aggressive and refused to validate the debt and demand I just pay this debt. I will not tolerate this abusive behavior from any business. I strongly believe Ability Recovery Services is in violation of the FDCPA and needs to be investigated. 

On XXXX XXXX, 2015 XXXX XXXX from ARS LLC returned a call I made and made me aware she has take over this debt and XXXX is no longer there. XXXX also gave me a hard time about validating the debt and I advised her of violating the FDCPA. I explained to her she legally has to provide proof of validation. She told me " that it will remain on my credit report and I have to pay the debt '' and then she hung up on me like everyone else there when I strongly ask for debt validation.
Product: Credit reporting or other personal consumer reports

This compliants about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. 

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

This morning, I discovered unauthorized inquiries on my credit report and have no idea why they are there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even refreshed my browser to see if it was just a glitch, but the inquiries remained. I'm extremely frustrated and insist that the documents Ive submitted be carefully reviewed so I can put this issue behind me.
Product: Credit reporting or other personal consumer reports

I originally applied for the Figure Home Equity Line in XXXX of XXXX  and everything went well. During the application process we disclosed everything regarding the current status of the house, family trust, financial situation, and additional information as requested by Figure before doing any type of hard credit pulls to avoid damaging my perfect credit. However, at the very end without any warning the loan processing team came up with a new issue which was never disclosed before the start of the application process. They were unable to approve the loan because there was a deceased person on the XXXX XXXX trust? This was obvious from the beginning and had been fully disclosed before allowing Figure to pull my credit, since dad had passed away 3 years earlier and I together with mom we were the full Trustees and the house deed only had my name and moms on the official county recorders papers. I also had full power of attorney over everything so this was just weird and according to our family attorney made no sense since this was never disclosed by Figure before the loan process. The hard inquiry ended up lowering my score and so I asked Figure due to the undisclosed issue and misleading us that they please remove the hard inquiry since it could have been avoided if they were more professional and transparent. I submitted their official form with everything well explained but they responded in their generic and usual unprofessional manner with no acknowledgment what their actions did to my credit.
Product: Checking or savings account

On XX/XX/XXXX, I XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX made a deposit of {$6000.00} usd to my business account, when i made the deposit i was advised that because it was and international certified bank check it would take anywhere from 3-6 months for the money to be available. On XX/XX/XXXX i got tired of waiting and went to talk to the branch manager of Citizens bank located at XXXX XXXX XXXX XXXX RI XXXX. At that time we spoke with man by the name of XXXX XXXX. At that time i was told that the back had actually lost the check and did not have a clue as to where it was. My daughter and i spoke to this man and he told us that we would have the funds available by the end of the day or by the latest Tuesday the XXXX he just needed to speak to his boss and he would call us back by the end of the day. He did not call me back my daughter called at around XXXX to speak to XXXX XXXX he then told my daughter to give him the rest of the week to get what he needed to make the funds available to me. So, i waited until the end of that Friday XX/XX/XXXX and no call back. On Tuesday my daughter called to speak to XXXX XXXX and he was not available, so my daughter left a message for him to call us back. Only to get a phone call back with in a few minutes by two men that said that their name were XXXX and XXXX, they would not disclose their last name or their job titles. My daughter was then asked again what happened to the check she explained the same story again and they told her that I would have to get a replacement check. I cant afford to go back to XXXX where the certified check came from wait 7-10 business days for their police department to address the lost check then wait another 7-10 business days for the bank to do their check up to see if the check was indeed cashed or not. My mother passed in XXXX of XXXX which is why i was in XXXX. and to be safe instead of traveling with cash i opted for a certified bank check. Now Citizens bank wont own up to their mistake and want me to do all the work while they have me waiting for something that they lost. I need my money back i am not even asking for anything other than my money. My daughter went to the bank again on XX/XX/XXXX and after being ignored by XXXX XXXX for a good 30 minutes he walks back into the building to tell her that they close at XXXX and if she did not leave they would call the police on her. She did call the XXXX police department and they advised my daughter to place a complaint and try to speak with higher ups at citizens bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ATTACHING A COPY OF A POLICER REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

I received a notice from WELLS FARGO that my premium Checking account with its benefits was being discontinued. Not just to new customers but current customers were no longer going to received the products at no cost that were promised or guaranteed when opening my account. 
After contacting Wells Fargo Account Services I found This change is disguised as they are lowering the required account balances and direct deposits. 
In truth, They are wanting to cash in on fees charged for things like cashier checks and money orders. 
I was told the items currently have no charge for are still available but not for the account They are changing me into. Now I can pay for services on what was a guaranteed account, as long as i held up my end of the agreement with Wells Fargo. 
When the Wells Fargo Representative gave me their sales pitch on this account, it was based on direct deposit and monthly balance equaled free services. ( background ) I had been a customer for several years, I thought i was opening a new account not discontinuing my long held account from California. A couple months later, I discovered they, Wells Fargo closed my original account and moved all my assets to this account. When I contacted the bank, I was told those old accounts were no longer available and there was nothing I could do. I lost, higher interest rates, free checking. free checks, free money orders no overdraft and more. 
There are many who open this type account and depend on those free services as a way to show proof of payments for bills due, and do not have extra income. I believe I entered a contract that Wells Fargo required me to follow. I Held up my end. Wells Fargo is changing the terms simply to hurt the consumer and make an extra buck. Listen Wells Fargo required my to follow this contract for this account. failure to do so cost me benefits and money. Now they want to forfeit the agreement we entered into so they can make more dividends.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX {$89.00} XXXX {$760.00} XXXX {$220.00} XXXX {$100.00} XXXX {$250.00} XXXX {$330.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX I am filing this complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ). TransUnion has failed to provide proper verification of an account I disputed and has refused to remove an account that has been deleted by another credit reporting agency. This failure constitutes a violation of federal law and my rights as a consumer. 

TransUnion failed to provide any documented proof or supporting evidence proving the validity of the account, XXXX XXXX XXXX XXXX. Instead, they merely stated that the account was " verified '' without furnishing any documentation from the original creditor. 

I have documented proof that XXXX removed this same, XXXX XXXX XXXX, account from my credit file after their investigation deemed it unverifiable. 

If one bureau has removed the account due to lack of verification, XXXX continued reporting of the account is a willful violation of the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies maintain accurate and up-to-date information.
Product: Payday loan, title loan, or personal loan

I have an illegal in NJ payday loan that I applied for online before I knew it was illegal because of the interest rate. My interest rate is over 200 %. I 've made high payments and have barely touched my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the CRA ( Transunion ) to initiate an investigation that would result in complete and accurate reporting for this account XXXX XXXX XXXX # XXXX XXXX. The dispute and re-dispute process under FCRA gives me these rights. I requested that Transunion look into this and provide the update or remove the account as allowed by law. 

In previous complaints to this entity, I also pointed out the violation/s with the CRA 's dispute process ( reporting incomplete information as " accurate '' ) and the remedy for this. 

Multiple requests were submitted to Transunion to investigate and respectfully provide complete an accurate information. In every case, they have ignored my request, and instead, verify " incomplete '' information as " accurate. This is a violation. 

This account was opened on XX/XX/XXXX. Transunion is reporting two months of delinquencies XXXX XX/XX/XXXX, XX/XX/XXXX ). I have not received an explanation as to why Transunion is reporting this information for XX/XX/XXXX and XX/XX/XXXX, while completely ignoring any other payment history I am entitled to. 

In their investigation results, excluded are the names of persons contacted to verify this information. I am entitled to this. 

Transunion has repeatedly, during this process deprived me of my rights under FCRA. They have suppressed complete and accurate reporting for this account and have ignored my disputes seeking a reasonable resolution.
Product: Credit card or prepaid card

Today i Went to XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX store # XXXX '' ) on XXXX XXXX XXXX XXXX  XXXX XXXX new york XXXX Spoke to customer sales counselor XXXX XXXX, from whom I was asked if I wanted to apply for a store card. I expressed interested and after I completed the purchase, I found out that the " store card '' was in fact a store branded credit card that was issued by SYNCHRONY bank. Synchrony bank, as an issuing bank, shouls be accountable for the actions that these sales people take part in. This is completely unacceptable, trying to mis lead customers into thinking they are getting a perk but in fact they are signing up for 26.99 % APR credit terms.
Product: Credit reporting or other personal consumer reports

This company is still reporting an opened account on my credit report and I do not have an account with this company at all. I had an account years ago that was paid in full years ago and I never opened another account with them again. After my account was paid in full, I never opened another account but they reopened an account and put it on my credit out of the blue this year. It shows a XXXX balance and opened in XXXX of XXXX, which I did not open another account after I closed the 1st and only account I had years ago. They have done nothing to resolve the problem after I have contacted them. I want to press charges and file suit very soon.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES CONTINUES TO ATTEMPT TO COLLECT DEBT THAT HAS BEEN CHARGED OFF. PORTFOLIO RECOVERY ASSOCIATES ADMITS TO BREAKING FEDERAL AND STATE TAX REGARDING CONCLUSIVE PRESUMPTION OF WORTHLESS DEBT '' ... PRA purchased the XXXXXXXX XXXX XXXX XXXX  XXXX ), XXXX. XXXX XXXX XXXX ) XXXX credit card account ending in XXXX from XXXX XXXXXXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/2018, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$330.00} was due on the account at the time of PRAs purchase.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting if any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have a right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly duplicate accounts of a past due amount of {$18000.00}. XXXX XXXX XXXX XXXX account number XXXX is being reported as a charge-off and XXXX XXXX XXXX account number XXXX  is being reported as a collection. ( Please see attached page from my credit report. ) The charge-off account number XXXX needs to be removed from my credit report. This inaccurate reporting of a charge-off account is harming my credit score. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was never late on the Paid off Accounts listed above. Please show me documents showing proof of transaction, showing i was ever late to support your inadequate reporting on my account. If you can not supply this please delete these late payments from my credit report. These are invalid late payments. FCRA allows 30 days for this to be rectified.