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

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security XXXX XXXX ( XXXX ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why XXXX made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. XXXX giving XXXX the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,
Product: Credit reporting or other personal consumer reports

In XXXX or XX/XX/2023 I sent XXXX XXXX XXXX a NON-NEGOTIABLE NOTICE OF ADVERSE ACTION FOR DENIAL OF CREDIT due to their adverse actions against myself as a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. 

I originally applied for a line of credit with XXXX XXXX XXXX in XXXX or XX/XX/2023 but was illegally denied. Banks are extending lines of credit based on consumer 's own social security accounts which are linked to the US Treasury. Banks are not loaning their own assets or stocks as this is a violation of 12 USC 83. Banks are simply needed as the intermediate party to allow consumers to access their own credit connected to their social security accounts. 

When I wrote XXXX  XXXX XXXX via certified mail in XXXX or XX/XX/2023 to inform them of the violation, and to give them an opportunity to fix their error, they performed an unauthorized credit check with Experian in XX/XX/2023. In XX/XX/2023 I had not given XXXX XXXX XXXX permission to check my credit report and so this is an additional complaint. 

Most likely with this complaint, XXXX XXXX XXXX will check my credit again without my permission, so I will just request the contact information for the department that accepts litigation notices and summonses to avoid wasting time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

They are trying to collect a dept that is charged off and paid in full to original collector. 
They are reporting on my credit report I owe over {$1000.00} they just opened dept sent me letter saying I owed {$300.00} something documents attached
Product: Debt collection

I switched from XXXX to XXXXXXXX  during a promotion offering free phones with trade-ins. Shortly after starting our plan, we experienced significant service issues due to known cell tower problems in our area. XXXX acknowledged the issue, unlocked the free phones they provided, canceled our contract without penalty, and confirmed we could keep the phones since they couldnt return our traded-in devices. 

XXXX months to a year later, I received a bill claiming we owe for the phones. Upon contacting XXXX, the representative was able to go back and review all previous phone call notes and we were assured we do not owe anything due to the prior resolution. I am filing this complaint to dispute the bill and seek assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX, is in violation of multiple laws set forth by Congress in regards to my account. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged off status ), between the consumer ( myself ) and the person ( XXXX  XXXX ) making the report. 

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Transunion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of {$9800.00} in order to file as ordinary income. 

XXXX XXXX is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! 

XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : 1.XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC report
Product: Credit card or prepaid card

To whom it may concern : There were some charges on my debit card which I did not recognize. Tried calling the company but was unable to connect. 

Can I get or review debit card statements? 
Is there any fee or charges? 
What do I need to do to get statements? 

Thank you.
Product: Money transfer, virtual currency, or money service

I was scammed over Zelle over concert tickets, {$130.00}, from tickets I found on XXXX. XXXX offered no path of recourse for my lost money.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX placed online order on website XXXX XXXX ( I mistakenly believed them to be well known furniture store ) XX/XX/XXXX contacted XXXX : emailed XXXX requesting to cancel order and refund my payment method. I did not receive a response. 


XX/XX/XXXX shipment status update received contains order XXXX XXXX and tracking XXXX XXXX ( neither lead to valid tracking ie. does not exist ) XX/XX/XXXX I submitted a dispute charge to cash app my payment method. 
XX/XX/XXXX my dispute claim was denied based on purchase being an " authorized transaction ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX  : I am writing to dispute the following items that are appearing on my credit report, which I believe to be inaccurate : 1. XXXX XXXX account information 2. XXXX XXXX XXXX account information 3. XXXX XXXX XXXX account information Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I demand that these items be deleted immediately as they are inaccurate and/or unverifiable. 

For the XXXX XXXX account, the report indicates the account was " Paid in settlement. {$470.00} written off. '' This account appears to have been misreported as a charge-off when, in fact, it was resolved through a settlement. I request that this account be updated to reflect the accurate resolution. 

Regarding the XXXX XXXX XXXX account, the report indicates a {$330.00} past due balance as of XX/XX/XXXX. However, I have no knowledge of this debt and believe it may be the result of identity theft or an error. I demand that this collection account be removed from my credit report if it can not be verified as accurate. 

The XXXX XXXX XXXX account also appears to be a collection account for {$6900.00}. Again, I have no familiarity with this debt and request a full investigation. If this account can not be verified as accurate, I demand that it be deleted from my credit report. 

As these items are negatively impacting my credit, I would appreciate your prompt attention to this dispute. 

Thank you for your assistance. I look forward to your response.
Product: Mortgage

I have spent months trying to square my escrow account as related to homeowners and flood insurance. I have spent hours on the phone and been given several assurances/commitments That a supervisor would get back to me to resolve this, at long last, which have never manifested. I have gotten misinformation and made unnecessary payments to try and balance my account. I have just received a second refund check from an insurer I paid in XXXX. After following up again and again, the company has issued more unnecessary payments and purchased/partially refunded unnecessary insurance policies on my behalf and cant seem to reconcile my account. I have been told that there would be penalties for an escrow deficit and am willing to pay in any funds necessary if SOMEONE can get to the bottom of this. I am not in arrears, have made all payments on time, followed all instructions, and secured all coverage when required, but cant seem to resolve this. It is now XX/XX/2020. I began dealing with this in XX/XX/2020. After the latest assurance by a rep that I waited on hold for 15 minutes to reach that I would be connected to a supervisor directly, I have now been on hold again for 30 minutes and have no confidence that this call will go through and will be properly managed. This is likely my tenth phone call, in addition to at least six Ive made to my insurers. This is completely unacceptable. This is a mortgage!!! Ive had retailers take returning a dress far more seriously!
Product: Debt collection

On XX/XX/2018, I visited XXXX Hospital 's ER in XXXX, TN ( a public trust hospital system and an in-network provider for my insurance policies ), and was subsequently billed by XXXX XXXXXXXX XXXX, XXXX, ( XXXX XXXX, XXXX - treating physician ) for medical treatment by an ER physician. 
I currently have two health insurance policies. XXXX XXXXXXXX XXXX, XXXX, billed for {$1100.00} ( 1000 % of local pricing for ER care ). Both policies paid, {$180.00} each or {$360.00} total. This left a bill of {$810.00}. I was not billed until over 90 days from treatment date making it look as if I am late with payment. Although it seems outrageously unfair for such high billing and the use of balance billing for payment, so far all is sadly legal. 
What I found after paying XXXX  XXXX XXXX, XXXX, they used the government entity name of " XXXX XXXX XXXX XXXX XXXX, '' when I actually paid " XXXX XXXX XXXX, XXXX, '' through their collection team, " IC System '' for the remaining amount of {$810.00}. 
What I have found is that the business, " XXXX  XXXX XXXX, XXXX, '' uses fraudulent business dealings. They sell these debts ( negotiating ) to  other businesses before you've received your first billing. I do not know if these businesses are owned/in-network by the XXXX XXXX or simply sold to other collection agencies multiple times. You as a patient pay the bill, yet the owners of " XXXX XXXX XXXX, XXXX, '' again resell the bill over and over, layering the transaction. I currently get local number phone calls coming from the XXXX demanding payment for this bill ( again ) with no recognition of the confirmation number given, the same account number, or receipt by my state issued card by prior debt collectors. I do know that " XXXX XXXX XXXX, XXXX, '' has XXXX XXXX, XXXX, as its president. He also is in the XXXX for several other collection-type entities such as, " XXXX, '' " XXXX, '' and " XXXX and XXXX XXXX XXXX. '' It seems that this company is not interested in actual accounting practices for billing but possibly entering into fraud by layering the collection process with various companies to multiple bill for single debt. 
It is fraud to use the City of XXXX & XXXX Co 's trust of XXXX XXXX Hospital as the collection name. I phoned XXXX billing department and found that this debt I paid for {$810.00} is entirely " XXXX XXXX XXXX, XXXX '' and through my credit card & matching EOB 's, was paid in full. These collection companies have threatened to ruin my credit rating due to their claiming it is an unpaid medical debt. By switching company names over and over, it can seem you never paid this debt for they can claim that they never received the payment. This seems to be the strategy to gain multiple payments from unsuspecting patients. " XXXX XXXX XXXX XXXX '' takes XXXX and XXXX patients ( XXXX government payment for medical bills ), yet these very patients can be ruined by unscrupulous billing practices from companies like, " XXXX  XXXX XXXX, XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My older Federal Student Loans from XXXX starting from 2018 are not reporting to Equifax which is drastically effecting my credit score. And My credit cards and accounts aren't reporting to my Equifax either. Please fix this issue
Product: Credit reporting or other personal consumer reports

Experian has way to many Inquiries 14 compared to XXXX with five and XXXX with two. This is causing them to report false credit scores when i applied for the XXXXXXXX XXXX and they reported XXXX as my credit score even though on there own website at the time report XXXX.
Product: Credit reporting

I have notified Equifax on at least 3 occasions, both through on line dispute and in writing regarding my credit being pulled by auto finance companies on XXXX/XXXX/XXXX. I explained this was done in error at the dealership and provided them with the manager at the dealership who is working with me to resolve this matter. Equifax did not investigate the matter, when I phoned after the first time in XXXX XXXX, as noted on their decision I had the right to ask of how they went about the investigation, I was told by 2 employees that they do not investigate inquiries. This is not my understanding under the fair credit laws. I am told if it is incorrect that I have a right to dispute and expect my concern to be investigated. It sits there for up to the 30 days they have, then they just keep saying it is valid and to contact the companies who pulled my credit. I have not only disputed this numerous times, they have failed on each occasion to contact XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX Al, and speak with XXXX XXXX who is the general manager at XXXX. He will verify this was done in error. They have failed to do this in the allotted time granted by law on at least 3 occasions and I am respectfully asking they remove all inquiries reported on XXXX/XXXX/XXXX from auto finance companies. I appreciate your attention to this matter. I chose proper notice of investigation since the other items did not exactly fit. They failed to investigate the issue. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorfalse claim and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Money transfer, virtual currency, or money service

XXXX has decided for whatever reason that my account needs further verification due to suspicious activity yet they are unable to say what suspicious activity. No problem I can further verify who I am however I decided not to. The reason is I feel what they are asking of is unreasonable. They need pictures of my full credit card and driver 's license. I am not comfortable sending anyone my full cc information along with my drivers license. I might as well send my social security number, Date of birth and directions to my house letting them know when I won't be home. I reached out to see if I can verify another way and I simply got a No. I think k this needs looking into. Unfortunately I have been a victim of scam more than once and XXXX if the XXXX times involved XXXX Email account so me sending my full cc is not happening which now means I can't make any Mobil purchases. Which I think is total bs really!
Product: Debt collection

Under the Fair Credit Reporting Act ( FCRA ), the reported information falls under the category of billing errors that must be promptly corrected. These include discrepancies between the purchase price and the billed amount, charges for undelivered products or services, mathematical errors, and entries requiring further clarification. I insist that you conduct a thorough investigation with the creditors involved, and you will undoubtedly discover the veracity of my claim. Once the error is confirmed, I demand the immediate removal of this egregious misinformation from my credit report. Furthermore, I require that this letter becomes a permanent fixture in my credit record. Any questions regarding my request or the disputed credit information should be directed to me without delay. I demand your immediate attention to the following gross inaccuracies : XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX  Balance : {$5700.00}.