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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent to 3 bureaus. The last letter sent to XXXXExperian/TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 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 the phone number ( XXXX ) XXXX They informed me that they do not supply information the third parties. How did you verify this public information?
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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

I have checked my credit report and I've seen so many inquiries on my XXXX and XXXX so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. Thank you!
Product: Student loan

I was given a student loan for a XXXX school, In the loan it includes a XXXX XXXX voucher worth {$1200.00} I was never given this XXXX  voucher because I did not attend class long enough. This school is still trying to get me to pay for it.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ).

Please see attached Identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my thrid written request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me and you have previously removed but now it came back as a collection. 
Please block these account, note that there might some accounts that a not showing in my credit yet. I'm currently receiving collection mail from different place, I will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID and SS. Thank you.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account being reported to my consumer reports by the name of XXXX XXXX XXXX. They are reporting false information on my account and stealing money from me. BLOCK AND REMOVE this account immediately. This is a fraudulent account. 

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

In accordance the the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXXXXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The credit bureau company refused to correct inaccurate information with XXXX XXXX XXXX XXXX ( multiple accounts ) and XXXX  I explained to them that the incorrect reporting is a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE INVESTIGATE CONSUMER REPORT. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 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.
Product: Checking or savings account

To whom it XXXX concern : I need to report a company Name XXXX XXXX  in Alabama. They tried to charge my checking account in the amount of {$200.00}, the charge didnt go thru because they used an invalid expiration date. The issue is that they have done this to many other people that like me never solicit their services. I am attaching copies of this company reviews where other people complaint about the same issue. 

I haven't contacted the company that tried to charge my bank account because their transaction was declined and no funds withdrew from my checking account. The purpose of this complaint is to report : XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX Tel : XXXX XXXX Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union crediting bureau is giving me a bad credit rating stating that I have delinquent accounts. I do not know what account that I have is delinquent. They are also saying that I have to many open accounts. The accounts that are open do not have a balance or I faithfully make the payments and on time. The other two credit reporting agencies always give me an excellent credit rating. I do not understand why Trans Union keeps giving these incorrect reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX # XXXX, XXXX XXXX # 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, Has violated my rights. 
15 U.S.C 1681 section 602A 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 consent.
Product: Credit card or prepaid card

Since signing up with XXXX XXXX last XX/XX/2017, I have come to realize that after paying XXXX XXXX {$2000.00} I have been defrauded of my money, because I was NOT provided the service as was described to me, that is the reason for this dispute! 

It is my belief that not only was I was taken advantage of because I was gullible and older and couldnt remember that way they could. But that he knowingly sold me services under false pretenses. 

I saw a XXXX ad about opening an online store, I decided to check it out, thinking it would be a good way to make money since I am no longer able to hold down a job due to my physical problems. I later received a high-pressure sales call from a representative. He talked about a Blog content and Custom Logo, to establish my online e-commerce business. 

I quickly explained I hadnt any money, he asked if my credit was good and talked me into obtaining more credit cards to pay the {$2000.00} he was asking for. I have not made any money and now I am left with severe credit card debt that I cant afford to pay back. 

I read an article from the FTC about their ongoing investigation with companies such as this one. Please help me get my money back from this company.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX purchased vehicle with co-signer. XX/XX/XXXX co-signer turned in vehicle to bank. Bank made no effort to call me. I found out through mutual family that the car was turned in and made every effort to retrieve vehicle before it went into repossession. XX/XX/XXXX payment was never even late per terms of contract. I retrieved the vehicle back XX/XX/XXXX by paying two months payment up front in person to the XXXX XXXX XXXX XXXX XXXX to show good faith, and have made faithful payments since. I have disputed incorrect information on my credit report 4 times with XXXX XXXX from them showing the account closed, and payments late - and now as of my XX/XX/XXXX Transunion credit report - the account is showing derogatory - and payments show " unknown '' for XX/XX/XXXX- XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT name that should be deleted is XXXX, XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX LA XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified various billing mistakes, especially in relation to late payments that don't reflect my typical payment history.
Product: Debt collection

On XX/XX/2019 sent AR Resources a letter to validate the debt to show any signed contract with them for services rendered. AR Resources sent back a statement of account saying that I owed XXXX. This is not validating the debt anybody can print out or make a statement of account. No signed contracts or agreements with this company or signed HIPPAA release.I have received a response that clearly violates my rights according to HIPAA. 

AR Resources did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against AR Resources should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Prepaid card

Dear XXXX, I am writing to express my dissatisfaction with the XXXX services and to request your assistance with my account issue. 

I have been trying to log in to my XXXX XXXX account for several years, but I have been unable to do so. Every time I enter my username and password, I get an error message saying that my account is locked. I have not received any explanation or notification from XXXX about why my account is locked or how to unlock it. 

This is very frustrating and inconvenient for me, as I need to access my account to check the status of my claim, certify for benefits, and update my information. I am worried that I might miss important deadlines or payments because of this issue. 

I request that you please unlock my account as soon as possible and provide me with any information on my account that I might have missed. I also request that you please investigate the cause of this issue and prevent it from happening again in the future. 

I appreciate your prompt response and cooperation. You can contact me at ( XXXX XXXX XXXX ) or ( XXXX ) if you need any additional information from me.
Product: Credit card

I have a US Bank XXXX XXXX credit card. The card has an annual fee that is not waived. The card at the time of collection of annual fee had advertised a feature called XXXX night free, so if one would redeem points for a night at a hotel, the subsequent night was free. The annual fee was justified with this perk. 

However in XXXX they abruptly removed this feature. They also refused uniform compensation for the said removal. Multiple people have claimed a refund of annual fee for the year and XXXX total points as compensation being given by US bank to them. Ofcourse I can not validate the veracity of internet statements, but I have no reason to believe these people are lying. However when I complained at first they just said sorry and offered no compensation. Upon prodding for compensation they offered a mere XXXX points. 

I understand that product features are subject to change, however when you remove XXXX of your most advertised and valuable perks from a credit card with an annual fee, the compensation to the customers needs to be relevant and in line with changes in product. I am also not happy to see no uniformity in giving customers compensation.
Product: Credit reporting or other personal consumer reports

this account was opened with out my knowledge this account is fraud
Product: Credit reporting or other personal consumer reports

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting

Disputed account, several times this year, for XXXX withExperian Credit reporting bureau requesting removal of account - 7 year statute of limitations has expired, received response XXXX/XXXX/2016 - no change.
Product: Debt collection

I recently moved to XXXX XXXX  from XXXX and noticed there were several accounts on my credit report that do not belong to me. I am currently in the process of trying to purchase a home and this is holding up the process the following accounts are listed below : 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, 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, US DEPT OF ED/XXXX # XXXX.
Product: Money transfer, virtual currency, or money service

I transferred XXXX $ from cash app to my debit card ending in XXXX at XXXX a.m. yesterday morning along with XXXX other transfers to the same debit card XXXX minute after the first was initiated the receiving Bank my debit card company XXXX stated the {$500.00} transaction was rejected cash app is telling me that it wasn't neither one of them will contact each other so my money just vanished and no one will take responsibility on where my money is and give me my money back so now I'm out {$500.00} neither company will help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Debt collection

LVNV Funding is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with LVNV Funding and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal. Even the print out said information may not be accurate.

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the XXXX laws!. **This collection account is not accurate, verifiable, nor is it compliant to XXXX or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory XXXX XXXX Compliance standards. As you are aware, these standards are clearly outlined in the XXXXXXXX XXXX nearly annual XXXX, which stipulates that any deviation from these standards risks compromising the integrity of the data. 


Please DELETE ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX {$2200.00} XXXX XXXX ), ( XXXX with a balance of {$1100.00} ), ( XXXX XXXX  ), ( XXXX  with a balance of {$3000.00} 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.
Product: Credit card

Capital One bank is over-charging me on 2 credit card accounts. It's really despicable for a bank to over-charge a XXXX XXXX XXXX citizen with XXXXXXXX XXXX on XXXX this much money?! 

I'd like to request contact information for their legal dept to begin filing complaints for court.
Product: Mortgage

JP Morgan Chase Bank rejected refinance of current Predatory JP Morgan Chase Bank Loan citing Mortgage payments were made in cash and thus in violation of Chase policy.