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

I am filing a complaint again as my right under FCRA and fair credit and billing act and HIPPA privacy have been violated. I have for several months trying to get Equifax to resolve these collections below and the end of the complaint. I am filing a complaint again as there have not been any answers back from Equifax as I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to Equifax to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. Equilfax has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX to make inquiry. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to all 3 bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. 

disputed Collections XXXX XXXX  Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00} XXXX XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXX Opened XXXX {$620.00}
Product: Money transfer, virtual currency, or money service

International wire transfer was made on XX/XX/2021 in the amount of XXXX USD. All the information required for the transfer was correct except for the account number. Mistake in the account number was recognized and a message was sent from the initiating foreign bank talking about the error with the correct account number on XX/XX/2021. On XX/XX/2021, another message was sent from the initiating bank that asked about the whereabout of the money. Finally on XX/XX/2021, another message was initiated asking to return the funds. None of the messages have been replied and calling PNC, the only thing they tell me is that they can't look into incoming wires and I will just have to wait. I would like to know where the money is currently, and the reasons for why it didn't come to my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the lack of response to my previous dispute submitted online since XX/XX/year>XXXX  concerning inaccuracies in my credit report. As of today, more than 30 days have passed without any communication or resolution from your agency. 


Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account that I dont recognizes.I think is a fraud because its not my name it appears XXXX XXXX and thats not my name. the agency may mix up some one else information because is similar name.and they put it on my credit report. i please ask for an investigacion. because thats no me. according of the FCRA law i have right to ask for an investigacion. Please delete this account is not mine and its affection my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appear on my consumer credit report
Product: Money transfer, virtual currency, or money service

Bitcoin and Coinbase in conspiracy with one another to commit schemes to defraud investors into a digital currency investment have committed wire fraud. Coinbase app states " invest your money. '' I invested my money by wiring money into their business account. I have yet to get a settlement of funds verification from their ACH I sent to Coinbase and they never returned my funds by wire and it been over two months and never got my return wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called into Experian to speak with a representative and ask questions regarding recent changes that I reviewed on my credit report. Upon calling the phone number provided on Experians website I had extreme difficulty getting to a live agent, as the automated service would not provide that as an option. Eventually I pressed the option to file fraud against a minor ( which was not the reason for my call ) In an attempt to get help from a live agent. This took 23 minutes. 

My first live agent to answer was named XXXX, she explained she couldnt assist me in her department but would get me to someone who could. I was placed in queue to wait for another agent from member services. 

After waiting 53 additional minutes XXXX picked up the line. I explained my concern to him which was, why is a credit card that has been closed for more than 60days reporting negatively against my available credit usage, when in fact it is not apart of that usage since it is closed my second question was how does a credit card closed and paid off at XXXX balance gain a new balance 60 days later XXXX could not answer the questions he asked me to hold while he researched it and then placed me in the queue for another representative unknowingly again, after waiting an additional 15 minutes I ended the call. 

I still have been unable to get any answers or assistance to my question. Or the appropriate adjustment made to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX
Product: Checking or savings account

On the XX/XX/XXXX I was cut a check in the amount of XXXX ... I wasnt thinking due to the fact that bills where passed due and Ive never had problems with this before I downloaded the banking App to deposit said check normally my bank in the past has granted me some money available but they didnt. On the next business day which would have been Tuesday the XXXX I called my bank and they told me I had to wait till it was done processing to have the deposit canceled as I needed money to pay bills. As expected my phone got shut off and the insurance lapses as well and I almost lost power due to Bank Of America neglecting to properly advise me. Since I also bank with the same bank the check was written from I asked if they had cleared it. I had been robbed two days prior and now I had another issue trying to get a state ID. Little to my surprise I recived back pay from another job and a new bank card as I went to try and cash them I ran into another problem apparently fraud had take. Affect and Bank of America neglected to inform me once again that they locked my card becuase of this now I was in panic and worse off then before. I called the number they asked me to call and asked them to unlock the card they placed me on hold over 2 hours before I hung up and called back again I did this several times before I lost it and profanity came out while on the phone with a representative. By gods good grace my other bank cleared my checks and I was able to pay said late bills with penelties. Now Bank Of America said they will hold my funds till the XXXX due to fraud in the area I live in. Thats fine but not understandable considering my other bank already released the funds and now my bank card through Bank of America has to be canceled. So now I dont have a bank card Im planning on closing my account but I fear they will not give me whats rightfully mine if thats the case I will place a new complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam I am writing to request the removal of inaccurate and unfair information from my credit report. The information my in question has been negatively impacting my creditworthiness. I believe that the information is inaccurate because 15 USC 1681 section 602 A states I the right to Privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This inaccurate information has been unfairly reported to the bureaus and has resulted in a lower credit score than I deserve. 

These INQUIRIES Need to be Removed : XXXX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021 PERSONAL INFORMATION IS INACCURATE : REPORTED NAMES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are inaccurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report. 

I am requesting your assistance in resolving this matter. Under the fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information removed. 

I request that you investigate this matter and take appropriate action to insure that the inaccurate information is removed from my credit report. I would appreciate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions taken to address the inaccurate information. 

Thank You for your prompt attention to this matter. I Look forward to hearing from you soon. 

SINCERELY, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, XXXX Bank : XXXX, XXXX Bank XXXX XXXX, has violated my rights. 

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 a 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 Any other adverse item 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hi, I had taken an appointment with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NJ XXXX for opening a CD. Inspite of waiting for XXXX minutes, the bank officials were saying that they don't care about appointments and they pushed me out of the office. So surprised Complaint Regarding Non-Professional Behavior and Disregard for Appointments XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX, I am writing to express my deep dissatisfaction with the level of service and professionalism exhibited by the staff at your [ XXXX Local Branch Name - XXXX XXXX XXXX XXXX XXXX, NJ XXXX ] branch. 

I had taken an appointment with the above XXXX XXXX  for opening a CD. Inspite of waiting for XXXX minutes over the appointment time, and checking with bank officials mutliple times, the bank officials were saying that they don't care about appointments and they pushed me out of the office. 

The bank personnel with whom I was supposed to have the appointment at XXXX XXXX  XXXX XXXX pushed me out of his office and closed the door when I asked him about the appointment. The reason they were saying was that they already have other customers waiting. What is the point in taking appointments if there is no difference between those who took appointments and those who have not taken appointments. There is another XXXX XXXX ( who was sitting at entrance ) who was so rude and non response and least interested in getting some one to service my appointment XXXX, I wish to address the matter of non-professional behavior exhibited by your staff members. During my visits to the branch, I have witnessed instances of rudeness, dismissiveness, and lack of courtesy from certain employees. Such behavior is unacceptable and does not align with the standards of professionalism expected from a reputable financial institution like XXXX. 

Furthermore, I must bring to your attention the consistent failure of your branch to honor scheduled appointments. This disregard for appointments not only wastes my time but also reflects poorly on the efficiency and reliability of your branch 's operations. 

As a loyal customer of XXXX, I expect to be treated with respect and professionalism at all times. However, the experiences I have encountered at your branch have fallen far short of these expectations, leading me to question the level of service provided by XXXX. 

I urge you to take immediate action to address these issues and ensure that such incidents do not occur in the future. It is essential for the reputation and credibility of XXXX that customers are treated with the utmost respect and that appointments are honored as scheduled. 

I would appreciate a prompt response to this complaint and assurances that steps will be taken to rectify the issues raised. Additionally, I would welcome the opportunity to discuss these matters further in person, should you deem it necessary. 

Thank you for your attention to this matter. 

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

In accordance with the fair credit reporting act XXXX XXXX XXXX account. # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian both have failed to respond to disputes timely. I submitted written disputes for collections, late payments and inquiries. These items are inaccurately and incorrectly being reported. I want all errors to be corrected by immediate deletion and discharge.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Vehicle loan or lease

Hyundai finance hired XXXX XXXX XXXX who hired XXXX. XXXX to reposess my car on XX/XX/2023. They realized after XXXX hours their was incorrect info on the paperwork and returned the car with damage from being transported. 

On XX/XX/XXXX XXXX. towing fixed the damage on the car. 

I called hyundai on XXXX XXXX to see if the issue with the paperwork was fixed and how this even happened. They could not tell me and offered to terminate my lease without fines or penalties and told me it would be done approximately by Monday or Tuesday XXXX XXXX. 

I called 5 times before being able to speak with the rep handling it only to be told it would take more time and none of this could be documented in writing to ensure they would follow the new timeline promised or the stipulations verbally agreed too.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account XXXX : XXXX XXXX XXXX Account # : XXXX has violated my rights under the following : 15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 S-2 ( A ) ( 1 ), it states also 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 incorrect.
Product: Student loan

I recently pulled my credit report and found that NELNET\Education reported late payments regarding my student loan accounts. 
I believe this reporting is incorrect because I was in XXXX school during that time and my loans were in forbearance/deferment and did n't require any payments. 
I am requesting that this late payment be assessed for accuracy. 
Nelnet has not been able to resolve this issue after multiple disputes.
Product: Credit reporting or other personal consumer reports

Failure to Investigate Credit Dispute Under FCRA I am trying to purchase a home and Experian is hurting my credit profile. I have repeatedly attempted to dispute inaccurate information on my credit report with Experian. I sent a total of XXXX dispute letters to Experian on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. These letters were sent via certified mail, and I have proof of delivery for each. Despite following the procedures outlined in the Fair Credit Reporting Act ( FCRA ), Experian has failed to conduct a reasonable investigation or provide a satisfactory resolution within the legally mandated timeframe. 

Under 15 USC 1681i and Section 605B, Experian is obligated to investigate disputes and remove fraudulent or inaccurate information. Experians failure to act has resulted in ongoing harm to my credit and financial well-being.
Product: Debt collection

I received a letter from Arcon Credit Solutions Reference # XXXX in care of XXXX XXXX XXXX XXXX. As per letter received give the option to dispute the matter by XX/XX/2023. 

I disputed the matter as according to the letter received before XXXX XXXX via USPS Express Mail and also emailed Arcon Credit Solutions at I disputed the amount claimed, requesting proof of all transactions, requested all signed documents with my signature from the previous creditor, requested the original creditor and address of the creditor in which XXXX XXXX XXXX purchased said account. 

However, Aaron Credit Solutions seemingly refuse to provide me proof of any kind. The reps. are calling my home, my cell phone being rude and harassing me. 

I followed their procedure as according to the letter sent by Arcon Credit Solutions before XX/XX/2023. That has not stop this company from harassing me and any family member that picks up the phone.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased a XXXX refrigerator in the amount of {$2600.00}. It was delivered damaged. Lowes was advised of the damages and assured me that they would replace ASAP. This did not occur. Multiple occurrences of delivery dates were given, but when the date to deliver came, no refrigerator. Due to this, I disputed the credit card ( SYNCHRONY BANK/LOWES ) charge. I was notified that my dispute was not resolved in my favor as Lowes provided a statement that disputed item has been replaced/repaired by the store. This was false and I advised SYNCHRONY BANK of this. They stated they would review the dispute and notify me of the results. They did not reopen or review. They did however, place a note on my credit report that resulted in lowering my credit score by 32 points. This has caused and continues to cause me harm.
Product: Credit reporting or other personal consumer reports

My Equifax credit score is not showing up on any of my credit monitoring accounts. Also when I went on my Equifax.com website it shows a social security number that does not belong to me. My correct social is XXXX, and the correct spelling of my name is XXXX XXXX XXXX my current address is XXXX XXXX XXXX XXXX XXXX XXXX. According to the FCRA my correct personal information needs to be updated and reported immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I have contacted TransUnion a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX XXXX BREACH, And I believe that TransUnion made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''