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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it XXXX concern : I am writing you with this formal objection of information published and provided by you to XXXX and Experian, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Auto Loan to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged XXXX XXXX. 

Immediately, DELETE ALL record of the following alleged Auto Loan, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 



Credit Acceptance # XXXX Opened : XX/XX/XXXX Account Status : Open Collections XXXX Showing Past Due : XXXX This Auto Loan item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the XXXX, XXXX XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX XXXX   XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #? 
-XXXX  XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- AFNI ( ORIGINAL CREDITOR IS XXXX XXXX AMOUNT {$850.00} -ACCOUNT #?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX 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 an 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 item 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: Debt collection

Portfolio Recovery Associates LLC. continuously contacts me by mail since the credit bureaus have deleted a fraudulent account from my recent credit reports. They continuously ask for information that i have provided to all parties involved REPEATEDLY. PLEASE SEE ATTACHMENTS. This company purchased a written off fraudulent account in XX/XX/year>, and has been reporting it as an opened AND late account in order to hurt my credit. This company continues to violate my consumer rights! Please cease ALL CONTACT. 
Account-XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( 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 REMOVE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My personal information is being exposed to my credit report without being given my written or verbal consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a new and I was denied. I ask to speak with the finance manager and he went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the 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. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two charges on my credit report for a single visit that is for {$77.00}. I only visited the dentist office once ( XXXX XXXX, XXXX, VA ). I have tried contacting the collections agency and disputing it on my credit report without any success.
Product: Checking or savings account

account was opened anticipating the {$500.00} signup bonus that is advertised, but even after meeting the signup bonus direct deposits and waited 90days I have not received the bonus.
Product: Debt collection

I am writing to formally dispute certain information on my credit report related to the following accounts. The discrepancies have been acknowledged by the respective banks as internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : BANK OF AMERICA , N.A . XXXX. I have attached supporting documentation, to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Product: Payday loan, title loan, personal loan, or advance loan

They deposited XXXX the day XX/XX/year>XXXX  and they been charging me bi-week XXXX for 20 weeks plus XXXX the last 4 weeks of the payments. the total it will be XXXX + XXXX + XXXX the last payment is a total of = XXXX. 

they didn't tell me about the payments until the made the deposit and begun the loan. I want to be clear that for XXXX of the loan they are charging me XXXX. I will never take an loan like that if i knew it, just want to get help because this can't be right. please if there anything I can do let me know. thanks and I will wait your response. 

XXXX
Product: Credit reporting or other personal consumer reports

I believe this account has been inaccurately or unfairly reported on my credit report. Section 605B of the FCRA provides consumers the right to have information resulting from identity theft blocked from their credit reports, preventing it from causing further harm. 

date opened : XX/XX/year> In support of this dispute, I have attached evidence, including a valid Identity Theft Report, that clearly indicates I was a victim of identity theft, and this specific account was opened fraudulently under my name without my authorization. 

As per FCRA Section 605B, I request the following actions be taken : Immediate blocking of the disputed account from my credit report.

Prevention of any reporting agencies from reporting the disputed account information in the future.

A written confirmation sent to me upon the resolution of this dispute. 
I urge the Consumer Financial Protection Bureau to investigate this matter under the stipulations of the FCRA and assist in rectifying this erroneous report as swiftly as possible. The continued presence of this incorrect information is detrimental to my financial well-being and credit standing. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Overdraft and unpaid debt is incorrect on a past account with Wells Fargo!
Product: Debt collection

United Collection Bureau, Incc. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Has been sending me mail for several years now. It goes like this : Creditor : XXXX XXXX XXXX XXXX ( I HAVE NEVER HAD AN ACCOUNT WITH THEM! ) Last Four Digits of Creditor Account Number : XXXX ( NEVER HAD A CC WITH THEM ) UCB, INC. Reference Number : XXXX Account Balance : {$540.00} In regard to my XXXX XXXX account. Great News! UCB acting on behalf of XXXX XXXX XXXX XXXX is offering you the following settlement offers : ( then various options follow, with {$150.00} if received by XXXX ) I've checked with XXXX XXXX and they don't know what this is about. I'm on extremely good terms with them, as they've outfitted my home with audio and TV for years now.
Product: Debt collection

XX/XX/2020 : I received a Voicemail from an unknown number ( she said he name was XXXX XXXX ) citing legal action being taken against me and I must contact the collection agency before the case is sent to court I was given case number XXXX and told to call XXXX XXXX XXXX to discuss my case. And that since they couldnt reach me they would be issuing a order to locate on me and calling my employer ( even tho I am unemployed ) I called the number and a woman who sounded a lot like the woman who left the voicemail stated that I had an open case but it was locked and needed the last four of my social to open it. When I refused to give her my social she read the last four of my social to me then stated that due to a small XXXX XXXX loan and listed numerous allegations i had a case started against me in XXXX county and a judge has already viewed and approved it to go to court. She then stated that there were two different restitutions one out of court and one in court. The one in court would cost me over XXXX dollars on top of court fees and the one outside of court would be {$530.00} and I could pay it now. And I needed to pay it before the case is filed in 24 hours. I felt sick and I hung up and called my county clerks office and spoke with the civil court clerk and she said there was no case and I was likely being scammed or threatened. I checked XXXX and it said my debt was sold to national management recovery services. I believe I was just being scared or intimidated into paying a large amount of debt and lied to about the whole thing. I then received a scared call from my grandmother saying a woman who knew her name and address called and stated I was going to be going to court and needed to call the same number. None of this Can be legal or ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor has not updated the information nor provided proof or documentation in regards to a late payment. They have not provided the information and must delete this information under my credit report. Under federal law they had 30 days to complete the information and by failing to do so it must be deleted as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my report and noticed inquiries I didn't recognize
Product: Credit card or prepaid card

Bluebird by American Express has completely locked all out of its users. We can not access our money. We can not check our balances. We can not call customer service. We are left completely in the dark for the past 12 hours. We have no idea what is happening with our money. There is absolutely no communication from Bluebird by American Express about the issue. They only provided canned responses and claim that we can continue to use our cards as normal ( which we can not ). The cards are getting declined at ATMs and POS 's.
Product: Student loan

Navient was my student loan processor for the last 6 years. I have been trying to pay off a student loan since 2002. I was placed in several plans that caused a negative amortization. so at the end of that time period i owed more than the original amount. I then applied ( through Navient ) to qualify for a public service discharge of my loans. I spoke at length with a Navient representative and they placed me in a level pay plan ( automatic deductions ) that raised my monthly payment but also paid off. a little of the principle every month.This was two years ago. At the end of last year ; I was approved for the public service forgiveness program ( I have been a public school teacher since 2002 ) and my loan was turned over to XXXX. I kept making payments and last month I was told by XXXX that I was on the wrong payment plan to qualify for any loan forgiveness program. I started with XXXX in debt ( XXXX of which is interest on the original loan amount ) and after making 2 straight years of XXXX a month payments ( XXXX dollars ) I reduced my principal to around XXXX dollars. I was forced to accept the extended payout plan which according to XXXX would let me ; after XXXX on time payments ( 10 more years ) qualify for thier public service forgiveness program So now I pay monthly XXXX and at the end of 10 years I will owe more money because of negative amortization! ( the interest rate was raised to 7.5 %! ) and then I will only hope that I can get the debt forgiven ten years from now. This is the worst type of usury abuse and should be an embarrassment to all involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) All 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 also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681 C. ( A ) ( 5 ) States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) States : 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 asked XXXX when will the updated account information be reported to the CRAs? XXXX question- during the payment pause from XXXX - XXXX payments were made on my loan of $ XXXX for 12 months/installments - that were not counted towards the XXXX payments I needed for forgiveness. Will the money for those payments be returned to me or whom should I contact to find out? I calculated the amount that should be returned as {$2700.00} plus interest since it should have been received at the same time that I received my forgiveness letter. As of XX/XX/XXXX, I have not received a response. I have not tried to reach them via telephone because of the long hold times.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I pulled my credit to find I had multiple accounts that was not mine and some of my reports has stated that my credit had been ran over a XXXX times in a year span for some I have continuously disputed everything that didnt belong to me and well that hasnt worked so I been reaching out to the creditors and well I spoke with a company called XXXX that was reporting a secured credit card that I supposedly opened Ive disputed multiple times and same answer it has been verified is what the credit bureaus had advised me after all the documentation Ive XXXX to send over to prove my case well the representative from XXXX proceeded to pull this fraudulent account and I stated Ive disputed it with the credit bureaus she said maam we have not received a dispute but I will be happy to help get this off your credit I will have this sent to our fraud department because she said if it had been disputed then notes of the investigation process would be documented on your account so with that being said we take our time to put our faith in these so called credit bureaus that take our information makes us jump through all kinds of hoops to send documents and not to mention the XXXX it is to speak to someone the hold time is ridiculous and thats if you can ever figure out a way around the virtual XXXX  thats absolutely no help my credit is suffering because these bureaus refuse to do their job properly
Product: Debt collection

This medical collection is a result of fraud and identity theft. I have never been a patient of XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX and South Mississippi Collection Services several times via XXXX Mail and via telephone. Upon speaking with South Mississippi Collection Services I was instructed to contact the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX, and spoke to a manager by the name of XXXX XXXX, upon speaking to XXXX XXXX and explaining to her that this collection was a result of fraud and identity theft, and providing a copy of my FTC identity theft report she provided this information to South Mississippi Collection services, and they promptly removed the collection, a few months later the collection was reinserted on my credit file. I reached out to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  again to rectify the situation a second time and was told that the collection was " verified '' even though it was not. I asked for proof of said verification and nothing was provided. Despite the fact that I provided a FTC identity theft report and affidavit of truth. Also XXXX has failed to block/delete this collection from my consumer credit report within four business days of receiving the FTC identity theft report. XXXX has also failed to show proof that this medical collection is verified/legitimate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS BEEN 30 DAYS SINCE I SENT THIS DISPUTE IN REGARDS TO MY CONSUMER REPORT THAT IS tremendously REPORTINIG INACCURATE WHICH IS A VIOLATION OFN THE FCRA 15 USC 1681a CONGRESSIONAL FINDINGS.ALSO I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681b ( PERMISSIBLE PURPOSE )
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted u.s. bank reliacard regarding fraudulent transactions on my account. I was advised that I would receive the dispute forms within 5-10 business days. When I seen I hadn't received them by the 8th day I contacted them for a fax number to send a written form. The fax number I was given was XXXX, I sent in my written statement on XX/XX/XXXX. I then noticed my account hadn't been credited the amount of {$480.00} in which had been compromised to my account. On XX/XX/XXXX I received a denial letter dated XX/XX/2021 stating my claim had been denied. Based on the terms and conditions on the cardholder agreement once the form had been received by the bank ( written or sent by the bank ) within 10 business days of opening the dispute I would be credited the amount of loss. The dispute resolution team denied my claim on the sixth business day, not allowing the full 10 business days to adequately investigate or compensate my account. It also states investigations could take 180 days to be complete. I feel as though this company denied my claim prematurely in order to not have to compensate me. I have spoken to many agents and supervisors stating they would figure out what's going on and that they believe this case was not investigated. I am requesting that they provide my provisional credit of XXXX dollars and that they do a complete investigation. As required by the cardholder agreement.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 - Sent {$210.00} via Paypal to XXXX XXXX XXXX XX/XX/2023 - Sent {$210.00} via XXXX to XXXX XXXX XX/XX/2023 - Sent {$900.00} via Venmo to XXXX XXXX Total {$1400.00} sent I was making application fee and security deposit payments on a rental home that I have since found out is not available. They will not return my money. I was scammed by these fraudulent landlord imposters. 

I immediately stopped payment from my bank to both, but Paypal and Venmo are still taking the money and have put a hold on my accounts saying I have to pay as they do not protect me. 

This is so disappointing and I would like to recoever these lost funds since I am NOT getting a rental house - it was a total scam.
Product: Credit reporting or other personal consumer reports

Companies : TransUnion, XXXX, and XXXX credit bureau. 

I have pulled my credit with all three bureaus and sent each a letter disputing inaccurate information. It has been over Thurs days since each bureau was sent a letter of dispute and no actions have been taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all should not be on my credit report.