23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have to credit agencies trying to collect on the same old medical debt, debt that should have been covered by either XXXX XXXX XXXX XXXX, XXXX, or Financial Aid. 

I have verified that XXXX XXXX XXXX XXXX has a right to the debt but for 5 years every 3 months they remove the debt from my credit and then open new accounts and report it as new ( most recently as XX/XX/XXXX ) - every time I make progress repairing my life after being XXXX  they tank my progress anywhere from 50-100 points. 

Phoenix Financial is trying to fraudulently collect the exact same debt and I have verified with the hospital that the have no right to the debt. 

I have been writing the credit bureas and collection agencies by certified mail for 3 years, As soon as I win a dispute and everything is removed then they once again report it again as new and I have to start the process over. I have sent in the actual dates of service provided directly from XXXX XXXX XXXX XXXX showing incorrect date and repetitive reporting of the same debt but again if they remove if they put it back on and once again tank my progress. 

I have not made a single lat payment on since XXXX - and nothing that I should be repsonsible has gone unpaid, however, because of this cycle none of that is helping me. 

On XX/XX/XXXX I was XXXX  and almost XXXX, without getting the assistance I was promised, I ended up homeless and almost died  10 months later of XXXX. It took all that to get help. Some how 95 % was covered and paid through the coverage I qualified for, but some slipped through the cracks. I had to restart my entire life after losing everything and I should not still be paying for the mistakes of others that directly relate to an XXXX XXXX, I was forced to start over at XXXX years old and I don't have the money to fight this process or hire and expensive lawyer but I also should be punished continually, fraudulently and illegally for people that want to inaccurately and repetitively report items against you falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

They did not investigate properly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Credit Reporting Violations Dear CFPB and FTC, I am writing to formally lodge a complaint against Experian due to their ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ) and their improper handling of my credit report. 

On XX/XX/XXXX, I reviewed my Experian credit report and discovered that my previous account with XXXX XXXX XXXX  was deleted, shortening my credit history. This is concerning given that XXXX XXXX has confirmed that they updated my account information and sent it to all three credit reporting agencies. 

Despite my efforts to rectify this issue directly with Experian, I have encountered significant roadblocks, including : 1. Experian 's improper reinsertion of inaccurate information into my consumer report, which contradicts the assurances I received regarding the deletion of the account.

2. A lack of clear communication and transparency from Experian regarding their investigation processes and the criteria used for re-insertion of deleted accounts. 
XXXX. Allegations against Experian for failing to implement necessary measures to prevent the re-reporting of previously disputed and deleted information. 

The CFPB has previously highlighted these violations, and I urge your offices to investigate Experian 's practices. I believe that their actions not only violate the FCRA but also constitute unfair acts or practices under the Consumer Financial Protection Act. 

I kindly request that both the CFPB and FTC take appropriate action to address these violations and enforce compliance with federal regulations. I am happy to provide any additional information or documentation needed to aid in your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response and action regarding this issue. 

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

In accordance with the Fair Credit Reporting act. The information below is incorrect and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- Phone Numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ( XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX -- Names XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- Address XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX My Name is XXXX XXXX XXXX XXXX 
My Address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX My phone number is ( XXXX ) XXXX, My rights has been violated. 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: Credit card or prepaid card

American Express is not allowing me to transfer some of my points points to an airline partner. I tried calling and finding out why but they are not providing any information.
Product: Credit card or prepaid card

I was a recipient of Oklahoma Unemployment benefits and all my backpay went onto a card called way2go card through the Company Conduent in the amount of {$5000.00} on XX/XX/2020. Within a few hours of the money being put on the card someone created an account in my name on the Conduent site and set up direct deposit from that card to their account. Conduent advised me that the email and phone number did not match what i gave them. This prevented me from setting up an account myself because it gave me an error message that an account had already been created. I spoke to numerous customer service reps through Conduent over the weekend trying to resolve the issue was told multiple different things by all of them but in the end filed a Dispute SR # XXXX in order to try to get my money back but the company is claiming that my social security number does not match anymore and there are no unemployment claims under my social or name. They advised i needed to contact the unemployment office to get this corrected i went to the local XXXX Office XX/XX/2020 and spoke with the rep and she contacted her supervisor they both verified my information matches and nothing is wrong on their system. They that the money was sent to the way2go card system and Conduent would be responsible for fixing the issues and refunding my money. Conduent told me they can investigate it but without a police report it would be hard to prove. I said are you kidding me so i did file a police report I also filed a report with Internet crimes, Federal Trade commission and a Identity Theft report has been made. It has been a back and forth blame game that is getting nowhere.
Product: Debt collection

someone used my information to obtain a loan on a vehicle that I have never owned. and it is showing up on my credit after notifying the company that my stolen identity was used to obtain this loan no 0ne would ever respond this is after getting a police report and notarized id theft affidavit as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ; knows that his corporation transferred absolutely no assets pursuant to and in violation of 26 CFR 1.856-6 SS ( A ) ( 3 ) of the Treasury Regulations , which governs Title 856 ( c ) ( 1 ), which states XXXX XXXX XXXX must file a tax return & statement to qualify as real estate investment trust ( REIT ). The alleged note to this transaction was never transferred into the XXXX. This prohibited transaction voids any presumed contract, as XXXX XXXX XXXX never actually owned my money ( promissory note ) to begin with. Title 26 Section 856 ( c ) ( 1 ) requires XXXX XXXX XXXX to take an election to treat the XXXX as a REIT in order to get the tax exclusion that allows for XXXX XXXX XXXX not to be required to pay income tax on the investor payouts. Returns were never filed, so this purported loan was unsecured and in-default at closing. He knows that because of this fraudulent transaction, that XXXX XXXX XXXX is a debtor in possession of contraband, upon which a lien has been attached under 6324 ( C ) ( 2 ) of Title 26 of the Internal Revenue Code until the Capital Transfer Tax is paid in full. He also knows that because everything Ive stated is 100 % true, that pursuant to 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Im not obligated to pay for this fraudulent activity as this company has failed to produce a valid contract upon which this purported claims stands.Therefore this information needs to be investigated, as all communications, including but not limited to credit reporting, cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX XXXX # XXXX Account Name : DESIGNED XXXX XXXX # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

My student loans has reappeared on my credit report with a balance without a 5 day notice which is against the FCRA. These loans were paid in full and the credit bureaus has resubmitted them with balances without my knowledge.
Product: Checking or savings account

Ive been given the run around after depositing a XXXX dollar check. Ive been told my account is under review there was some wrong with the check then told the check was fine then they said my account was on hold still under review Ive called everyday just to try to get my funds I even OFFERED for me to go in and just get a cashiers check for MY MONEY got told no. Then I was told I could do that went in and was told again NO then I was told that Monday XXXX that my review was done needed to wait for a letter then today got a call from XXXX XXXX bank in XXXX was told tomorrow XXXX that I can go in and withdraw XXXX and get a check for the XXXX then again got a call again today that they officially closed the account and they withdrew the funds so now its at XXXX. STILL NO IDEA WHY! And that they are mailing a check I said Ive explain numerous times I WAS UNCOMFORTABLE WITH THAT!! then I was told it would be over nighted ( NOT THE CASE ) they havent generated the check AFTER THEY SAID THEY DID. So its ok that they stole my money, originally I wasnt even going to be told. Thank god XXXX from XXXX, XXXX branch called me and fair warned me! Otherwise I WOULDNT HAVE KNOWN. STILL i asked can i go in and pick up the check then. Got told NO! the way i see it Ive been given the runaround FOR WEEKS! No money for almost a month!!! This is insane not right!!!!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against the XXXX major credit reporting agencies : Equifax, XXXX, and XXXX. Despite multiple attempts to resolve inaccuracies in my credit reports, all three agencies have failed to respond to my dispute letters or take any corrective action. 
Here are the details of my complaint : I have identified several inaccuracies in my credit reports which include inaccurate accounts, re-aged accounts, and inaccurate personal information. 

Actions Requested : 1 Immediate investigation and correction of the inaccuracies in my credit reports.

2 Proper notification on my credit reports indicating that the accounts are in dispute.

3 Compliance with FCRA requirements for responding to consumer disputes in a timely manner.

I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections.

None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

Enclosed are copies of the dispute letters I sent to each credit bureau, along with any supporting documentation and proof of mailing. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

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

A debt posted to my credit report by XXXX in the amount of {$750.00} XX/XX/2020. I was not aware of it. But then it became derogatory in XX/XX/2020. They never sent me a debt incurred letter, They never sent an invoice. And they didn't send a collection letter. Upon further investigation, I realized this was a debt I disputed with the same company years ago. They could not provide proof and removed it off my credit report. It is unbelievable that they would dare post the same debt twice without fear of repercussions. I disputed the debt with the collection company via the CFPB platform who responded on here that they could not find my name in their system. But their address and phone number is what is posted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inconsistencies in the reporting to my credit report. XXXX  and XXXX  are reporting the account as charged off, however XXXX  is reporting the account as an unpaid balance. The balance is not consistent across all thee bureaus as well ( XXXX reporting {$10000.00}. XXXX is reporting {$11000.00} and XXXX is reporting {$11000.00} ). If an account is charged off, it is no longer a part of my monthly responsibilities. Reporting a monthly payment is a violation. FCRA requires that you are consistent across the board with your reporting, and I am showing that you are not.
Product: Money transfer, virtual currency, or money service

Hello to whom it may concern my name is XXXX XXXX and I was giving fraudulent checks to mobile deposit in my account in exchange to help pay for stock and for me to keep the remaining money left over from the stock payment. I was dating name XXXX XXXX Gave me fraudulent checks to mobile deposit and when the checks were deposited Mobile. the check cleared and it became available instantly. The signature on the check is not mine .I did not know that the bank would clear a check that I did not a have the money to cover and did not wait 24 hours to deposit. I called the bank Monday, XX/XX/XXXX around XXXX XXXX to ask if the check cleared and if the money was really there and I was assured that everything was OK. XXXX XXXX had access to my phone and sent the money that was deposited via mobile checking app, to what I thought was stock market but sent it out to people on XXXX XXXX in XXXX XXXX and XXXX. The bank did not catch the fraudulent charges until all four of the checks cleared totaling 8000+ dollars. I have not spent the remaining amount of money of 2000 almost {$3000.00} so is there anything anybody can do to help me I dont have the money to pay back {$6000.00}. Im a single mother and I work for myself I have never made such a large deposit is there anything anybody can do to help me catch the people involved in this.Now the bank is also saying Im involved in first party Fraud and I cant get a hold of anybody to explain to me what that exactly means and what are my options.
Product: Credit reporting or other personal consumer reports

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX {$530.00} and XXXX XXXX XXXX XXXX XXXX $ XXXXThese following accounts have 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose I would also need the removal of these inquiries listed below immediately as I were not aware of these either. 

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

I have been made aware of recent hard inquiries on my XXXX  and Experian credit reports that I believe to be fraudulent. 

XXXX  : Hard inquiries dated XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX, XXXX XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I have filed a report with XXXX and am awaiting the fraudulent inquiries to be stricken from my credit report. 

Experian : Hard inquiries dated XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. I have not attempted to open accounts with these companies and believe these attempts to be fraudulent. I attempted to file a report with Experian, and am awaiting the fraudulent inquiries to be stricken from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XX/XX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.