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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected this account XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Debt collection

This debit has already been paid and this company has already agreed to remove this debit from all credit reporting bureaus.
Product: Credit card or prepaid card

I am resending this complaint due to the fact that some of the data provided was invalid and incorrect of my payments. I made my last payment and received no refunded check from this bank for the payment. I was not told at the store that I had 30 day period to close this card I was neither given documentation. I mainly closed the card because I was unable to use it at other stores which also was not told to me so its just false advertising and marketing. I am reporting this again because I would like the documentation for all the claims reported because I have never received any refund check from the company. I actually paid more than {$76.00} that was shown in the closed complaint statement. I am looking towards taking it into further matters if I can not get proof or this problem resolved and removed from my credit report. 

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

XX/XX/XXXX - I submitted pertinent data to correct my personal information on my credit reports to Experian and  XXXX  . This personal data included a government issued ID, bank statement with current addresses.
 XX/XX/XXXX - I received a letter from Experian and  XXXX  stating that I need to send the same information that was sent in  XX/XX/XXXX in addition to  XXXX  form and/or a copy of a birth certificate to verify my identification. To which I did n't comply.
 XX/XX/XXXX - I resubmitted the same information to Experian and  XXXX  and received the same response in via a letter in XX/XX/XXXX .
This has been an ongoing battle to with these   XXXX   credit bureaus to accurately update my personal information and no such luck.
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 has violated my rights. Or 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 or other personal consumer reports

I've recently checked my credit profile and discovered inaccuracies in several accounts. I'm asking for my credit report to be brought into Metro-2 compliance. I know the credit reporting laws require bureaus to report only 100 % true, accurate, complete, timely, and proven credit information. I'm requesting the removal of any challenged or disputed misinformation, including any aspects of unproven reported subterfuge.

I don't authorize the bureau to report not proven compliant information and demand the removal of any non-compliant information by full and permanent deletion or adequate testimony to the document certification of their obedience to Metro 2 data reporting regulations. Failure to do so will lead to my determined and rightful civil actions to seek monetary resolution through a court in my jurisdiction. I'm asking the bureau to authenticate and avow corporeally to the absolute genuineness, accuracy, allness, accordance, and adherence to all federally composed legislative documents related to the now officially challenged allegations of account. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company has been reporting this account to my credit file and has yet to provide me with a full debt validation. Please remove this account from my credit file as soon as possible.
Product: Checking or savings account

CashApp, which at the time, and for years prior to the corrupt company fraudulently closed my account after initially suspending my access to certain aspects of the app, virtually rendering it useless, while they investigated " suspicious activity '' on my account - that I did not report nor had anything suspicious on my end. 

So they " investigated '' the " suspicious activity '' they somehow, somewhere had found on my account, justified the closure of my CashApp account, without any further explanation other than the initial " in response to suspicious activity on your account '' I originally received when they suspended my account and the same when they closed my account and I was never able to access my funds or stocks or Bitcoin etc. Nor was I issues a check for remainder of funds in account. 

Not entirely sure about the exact date but they closed my account about a year ago
Product: Debt collection

I HAVE TRIED TO FIX THIS PROBLEM ON NUMEROUS OCCASSIONS WITH THIS COMPANY. THEY CLAIM TO HAVE PURCHASED MY DEBT FROM XXXX BUT HAVE YET TO PROVIDE VALIDATION OF DEBT. ANYBODY CAN FILE A JUDGEMENT AGAINST AN INDIVIDUAL. THEY HAVE SENT THIS DEBT TO SEVERAL DIFFERENT ATTORNEYS AND HAVE SENT NUMEROUS STATEMENTS WITH DIFFERENT AMOUNT OWED. THEY HAD TWO ATTORNEY OFFICES GANGING UP ON ME AND SENDING FALSE STATEMENTS WITH DIFFERENT AMOUNTS. IN 2015 XXXX XXXX ATTEMPTED TO GARNISH MY BANK ACCOUNT I REACHED OUT TO AN ATTORNEY AND AGREED TO NEGOTIATE THE DEBT EVEN THOUGH THEY DID NOT PROVIDE PROOF THEY OWNED THE DEBT AND AGREED TO A SETTLEMENT {$100.00} A MONTH FOR 10 YEARS TOTALLING {$10000.00}. I PAID THAT FIRM FOR ALMOST 3 YEARS AND NOW THEY ARE OUT OF BUSINESS. WHEN I ATTEMPTED TO CONTACT THEM THEY ARE NO LONGER IN BUSINESS. THEN I CONTACTED RESURGENT AND NOW THEY ARE SAYING THEY SENT TO ANOTHER COMPANY BUT HAS NOT SENT A LETTER NOTIFYING ME OF THAT NOR HAVE THEY SENT AN ITEMIZED STATMENT OF WHAT IS OWED. NOW I AM ATTACHING A COPY OF SEVERAL LETTERS FROM THEM STATING I OWE OVER {$40000.00} PER THE ATTACHMENT INDICATE THAT THIS DEBT WAS NEGOTIATED TO {$10000.00}. YOU AND YOUR AFFILIATED COMPANIES ARE VIOLATING THE FDCPA LAWS AND FCRA LAWS.
Product: Credit card or prepaid card

I never received the purchases I paid for upfront with total of {$1700.00} paid for XX/XX/2021 and I have waited over 2 months for it to come from the XXXX XXXX in XXXX XXXX NC XXXX I contacted SEARS Mastercard Billing Dispute and Fraud Department said I would get a full refund and I have not received the credit back on my account.
Product: Debt collection

account is on my credit report the facility did not bill account to secondary insurance was never given validation notice
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Why is there a balance being reported??? 


Please send me an updated copy of my credit report after your reinvestigation.
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. 

XXXX XXXX Account Number XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX : XXXX : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 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

A balance is still incorrectly on Equifax, has been properly removed from the XXXX.
Product: Payday loan

i received a loan from ACE cash advance back in XXXX, i filed for bankruptcy. i do n't believe the loan was including in the bankruptcy, but they have been threatening me with lawsuits and contacting all of my family members with threats and subpoenas as well. they call be at all hours of the days. leave several messages. they are harassing my family. they stated that they have information to contact me that i never provided and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681. Experian & XXXX are governed by 15 USC 1681, and Experian & XXXX has violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian & XXXX written permission to furnish this account : XXXX XXXX  XXXX
Product: Debt collection

Medical systems is a reporting agent for XXXX XXXX XXXX, in XXXX and XXXX i had emergery room visits which is due upon time of service. they reported the items dates XX/XX/XXXX but the Fair credit act states either last payment date or the date the debt was created. the reporting dates are incorrect and they doing this to keep it on my credit file longer then the debt which is unfair reporting and debt collection practice.Attached is a copy of the original debt from XXXX XXXX XXXX. 
I also think its not right putting XXXX different entitlys on my credit report being its XXXX company it should show up on my credit report as XXXX entity
Product: Money transfer, virtual currency, or money service

I haven't heard back about my XXXX verification wallet. It says it is still pending, and I will hear back about it in 1 or 2 business and 1 and 2 business days have been passed. My cash app tag is $ XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent Charge-off appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Student loan

The processing of my reaffirmation form is taking longer than expected after being denied twice due to errors made by the school 's financial aid office. The delays are not my fault, yet they have resulted in my dis-enrollment from graduate classes. Additionally, Aidvantage has contributed to this issue by taking more than a month to process the reaffirmation form, further impacting my enrollment. Aidvantage needs to change the way it handles students ' documents, as the current policy is damaging students ' academic progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LJ accordance with the Fair Credit Reporting act XXXX  Account : 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 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose *Please remove all late payments associated with this account and turn them current. 
The dates of the late payments I need removed are : XXXX late payments
Product: Checking or savings account

On XXXX XXXX XXXX ( Sunday ) around XXXX I deposited {$6900.00} in XXXX dollar bills to the ATM located in XXXX TX at the corner of XXXX XXXX and XXXX XXXX  The ATM was making a funny noise and instead of giving me a receipt, it gave me a ticket that stated the transaction could not be completed and to call the XXXX number on the printed ticket to report this. The ATM screen turned Red and said it was not working. I waited at the ATM and in the parking lot while I called the number on the ticket to report what occurred. I also checked my online banking and the money was not in my account. I told the claims person what happened and they told me they had to conduct an investigation. This investigation would be completed no longer than 14 days. On Tuesday, 2 days later, the amount of {$6900.00} was put into my account. This made me believe that the issue was cleared up and that was it. 

Fast forward to this. XX/XX/XXXX morning when I check my Chase online banking to see my account is overdrawn by a little over {$5000.00}. I call the claims department who say theres nothing they can do. I drive to the bank where this occurred and sat with the bank manager, XXXX XXXX, for an hour while he spoke on the phone. Apparently all avenues of resolve are completed. 

What I was told : Chase found {$1600.00} dollars extra in the ATM so they credited my account that amount making it where I owe Chase {$5200.00}. Then after the {$170.00} I had in the account its slightly over {$5000.00} that I allegedly owe Chase Bank.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : XXXX XXXX XXXX TransUnion for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : XXXX XXXX : The reported high balance varies between bureaus and does not reflect accurate transaction history. 
Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data. 
Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies. 
XXXX XXXX : The current balance owed is incorrect and does not align with my payment records. 
Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account. 
XXXX XXXX : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio. 
Desired Resolution : XXXX removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

This is a written notice to XXXX XXXX who acts as the ceo for legal fiction CAPITAL ONE that I the consumer XXXX XXXX XXXX XXXX who acts as agent for XXXX XXXX am invoking my right of rescission pursuant 15 usc 1635. I was not disclosed certain information about the finance charge 15 usc 1605. I expect the the obligations, security interest on the contract be canceled, and all money returned to me pursuant 15 usc 1635 in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report, I noticed that you have reported an account to all three major Consumer Reporting Agencies without my permission and without a permissible purpose. I was not informed of the option to opt out of having my information reported, and I am now exercising that right. I request that you remove this unauthorized account from my consumer report immediately.
Product: Checking or savings account

This is a complaint against either or both of PNC Bank and XXXX XXXX. I hold a mortgage account with XXXX XXXX, jointly with my wife, XXXX XXXX. We also hold a joint checking account with PNC Bank, and I also hold a separate sole checking account with PNC. We normally pay our monthly mortgage from our Joint PNC account, using their online Bill Pay service through XXXX. On XXXX XXXX this year I made a payment to our mortgage account erroneously from my personal checking account at PNC, using the online Bill Pay service. Having realised my mistake, I called XXXX XXXX and asked them to reverse the payment so that I could pay it correctly from the joint account. They agreed to this and said it could take 10-15 working days for the funds to appear back in my account. They maintain that they did so on XXXX XXXX, and have given me trace numbers that I have passed onto PNC multiple times. In short, those funds, amounting to {$1300.00}, have never credited my PNC account. I have been on the phone with both banks for many hours over the past three months, trying to resolve the issue. I've been put through to various case managers and second level support in both banks. The responses have varied between them saying they can help, but nothing actually being resolved, and simply telling me that I need to work with the other institution. I've been backwards and forwards so many time between them that I've lost count. The last communication I had with PNC was with an " Escalations Representative '' who told me, in no uncertain terms, that there is nothing PNC can do and that I have to work with XXXX XXXX - something she confirmed in a final email to me. I then had one final attempt with XXXX XXXX, and having been told on the phone that the funds were being recalled from XXXX and would credit my account within ten days, I then received a letter telling me, once again, that they can do nothing and that I have to speak to my financial institution. I am unable to work with the third party bill pay service as they will only talk to their institutional clients, i.e. PNC Bank. Neither bank is taking ownership of this, and I am caught in the middle between them, constantly being pushed from one to the other, and meanwhile having lost {$1300.00} that I can ill afford. I don't live in the XXXX  anymore, and I have spent a large amount of money so far in XXXX  phone calls ( in excess of {$500.00} ) and with still no resolution to show for it. I have very little documentary evidence of the extensive communications between me and the banks, as most of it has been done by phone. PNC insisted that they were not allowed to communicate with me via email, so the email documentation with them is a bit one-sided. I am therefore submitting the few letters email chains I have from both companies.