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

In accordance with the Fair Credit Reporting Act, the companies listed below and account numbers, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Account NUmber : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account NUmber : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX CA XXXX Phone Number ( XXXX ) XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX ) XXXX Account Number : XXXX
Product: Debt collection

I was called by receivables performance network to settle a debt and after coming to an agreement I paid what was owed. Since then ( About a week later ) Ive still been getting calls from this company in request to pay the bill, after I give them the requested information they see the bill was already paid and say it was a mistake, but they keep calling. Ive already requested them to stop calling. But I keep receiving calls when Im at work, when Im in class  and at this point I feel harassed. I have XXXX  and XXXX issues and this is very XXXX  distressing. Today I spoke to a call rep by the name of XXXX who laughed when I requested to be escalated to manager XXXX who although she said she would do something about this also basically brushed off my concern.
Product: Credit card or prepaid card

I have multiple credit cards that have been charged off on my credit file. All go the charged off account were open in XX/XX/XXXX between the XXXX and the XXXX. These are all showing on my Experian credit file and I have disputed them multiple times between XXXX XXXX XX/XX/XXXX. Experian keep saying that they are verified and the account are mine and accurate. I have written certified notices with return receipts that show they received my information. The information that was sent was a valid police report and FTC file. I provided a certified police report and FTC report. I have had my identity stolen and an arrest was made, all of which was included In the police report. Additionally I am receiving restitution payments from from the defendant through the XXXX court house. I am aware that Experian is not verifying this information and I am contacting their data furnishers and it has been reported to me by letter that has been not open dispute in these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my current Transunion credit report. I notice an account under the name ( XXXX XXXX XXXX ) is currently reporting multiple inaccuracies and violations under fcra rules. 

: Currently Account reports no date of last activity. A FCRA rules violation section 1681 : Currently Account reports no date of first delinquentcy. A FCRA rules section 1681.

Currently Account reports as being charged off but still reports negative remarks each month in payment history. A violation of FCRA rules section 1681. 
Currently account reports last date updated was in XXXX of XXXX while this account was disputed in XXXX of XXXX. A violation of FCRA rules.
Product: Debt collection

On XX/XX/2021 I had a " severe '' XXXX XXXX, so we attempted to go to XXXX XXXX. 

We checked in at the front desk, and then basically sat there for more than 5 hours without receiving " any '' treatment for the problem. 

We finally ended up leaving the emergency room, and went to another hospital.
Product: Vehicle loan or lease

These inquiries that effecting my credit score I had never approved the dealership to run my credit
Product: Debt collection

Repeated calls from different and private numbers from commentity bank. Often calling before XXXX. Calling up to 10 times per day. I am unable to pay the debt at this time and I made this company aware of this and they still continue to call.
Product: Credit card or prepaid card

I have tried to file a dispute with Chase business visa credit card since XX/XX/XXXX. I have also written to the XXXX office and they refuse to assist me because the dispute concerns a closed credit card account. I have provided XXXX pages of documentation to Chase disputes and they continue to tell me the documentation is adequate but that a special dept that handles disputes for enclosed accts will be in touch. It has been over 3 months, numerous phone calls and hours on hold. The amount of the dispute is {$10000.00}. The former credit card account was closed in XX/XX/XXXX and Chase claims they have no record of my credit card account it even though I have provided a copy of the actual credit card statement ( from the closed account ). How can there be no record? What is the record retention policy or law? I have since opened XXXX other Chase business credit card accounts and also have a personal account. I am seeking a temporary credit to be applied to any of my other Chase cards. XXXX XXXX and XXXX have provided temporary credits for disputes on the exact same matter related to XXXX Cruises. In addition, I have had many incidents of fraud on credit cards in the past and disputing a charge on a closed account has never been a problem- especially when all the needed documentation has been provided. And, apparently, the {$10000.00} was never paid to XXXX cruises and is held by XXXX in a trust account as reported in XXXX in XX/XX/XXXX. Documentation for the dispute has been attached to this complaint. I also have a chronology with details of each correspondence and phone call with Chase. I would appreciate any assistance the Bureau can provide in resolving this matter.
Product: Mortgage

i have missed several payments due to reduced income in my household. When i reached out to my lender for assistance they informed me that they would not consider the short sale, due to the foreclosure sale date being so close, but even before then they did not assist me with any alternatives. I am struggling to get something done and i now have an offer that i would like for the lender to review so that i can at the very least sleep at night. I am so stressed out about this whole thing that i am beginning to feel despondent. Please help me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> To Whom This may concern I have recently pulled my credit report and noticed that there is a collection for XXXX listing from ur agency. l have never been notified of this collection action or that i owed debt. This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies or the following documents Agreement that you have authority to collect on alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request in serious legal trouble for your company Pursuant to the fair debt collection practices act ( FDCPA ) 15 U.C. 1692g.
Product: Debt collection

I contacted Midland funding because of a debt that i saw on my credit report and they claimed that it is from XXXX and i informed them of the fact that i have never had an account with this merchant in my life and i demanded proof of debt or for them to remove from my credit if they could not find it. i also mentioned that i was prepared to take legal action they they did not reply or fix this error and they replied saying that they needed my lawyer contact information and they will speak to them. after that i sent out another letter to them explaining that my lawyer is not the issue and that they are the issue and that they have now violated my right and they have not provied proof but but they continue to report false debt on my credit and i demanded that they fix it immediately or provide my with proof of this report. it has been almost 2 months and they have not replied to my last letter or have they removed this false report from my credit. i sent them a return receipt enveloped and i track the package and it was delivered to them since XXXX XXXX they continue to ignore me and have not responded or removed this false report from my credit
Product: Money transfer, virtual currency, or money service

I collect royalties from a distributor called XXXX, they use XXXX  to send this money to you, I had set up my bank info which is an App call Wise, and they used to be partners with XXXX XXXX, well I withdrew my money, but Wise change bank info for all users, and that money was sent to the old balance info, but they say that that money goes back in a few days to the sender, well its been XXXX months and nothing, XXXX gave me proof of payment with all info wise needed to located that money, but wise wasnt able to do, and XXXX already told me they cant solved that problem, and ended my convo with them, I told me to solve it with Wise, and wise tell that they need XXXX  to located that funds but they already said its on wises end, and wise wont give me a clear solution to this problem. Its around XXXX dollars in that transaction. Ive been going back in forth for months already and it doesnt seem to be a solution.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Money transfer, virtual currency, or money service

applied for an account as their ads state can start trading in 20 mins, applied on XX/XX/XXXXit is now XX/XX/XXXX emailed them twice to ask why it is taking so long, have yet to receive a response other than the automated generic email response that we got your request for support. horrible customer service and false advertising for the ads they are using to promote their business.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and saw accounts reporting that I did not recognize.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX XX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer 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 consist of a Collections accounts. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the XXXX Accounts in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

I ATTEMPTED TO VERIFY MY INFORMATION OVER THE PHONE, BUT THE REPRESENTATIVE SAID I DID NOT HAVE A CREDIT PROFILE, WHICH IS INACCURATE VERIFICATION PROVIDED : 1 ) CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) CURRENT PHONE : ( XXXX ) XXXX XXXX ) CURRENT EMAIL : XXXX XXXX ) DOB : XX/XX/year> XXXX ) SOCIAL SECURITY NUMBER : XXXX I HAVE PROVIDED ALL THE INFORMATION ON THE PHONE, VIA XXXX MAIL, AND NOW A DORMAL CFPB COMPLAINT WITH MY ARIZONA DRIVERS LICENSE AND SOCIAL SECURITY CARD TO VERIFY MY LEGAL INFORMATION, AS REQUIRED BY LAW. I DEMAND ACCESS TO MY CREDIT PROFILE TO MONITOR & MAINTAIN MY CREDIT INTEGRITY TO ENSURE ALL INFORMATION IS ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Ally Bank XXXXXXXX, XXXX  XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've discovered numerous of inaccuracies and wrong reporting information. That pertain to all three credit bureaus. 

XXXX XXXX- There are different activity dates, closed dates are different from XXXX, paid off accounts reporting settle for less/Derogatory, account balances incorrect. 

I've called and wrote letters to every credit agency. As they report verified, the information is still reporting the same. All three bureaus are reporting different information, causing damage on one bureaus and 3 problems with the other two bureaus. There are reporting dates of activity on accounts. That's been closed for nearly 7 years. I've discovered late payments dates that are not reporting accurately. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U. S. C.1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX : {$48000.00}
Product: Checking or savings account

On XXXX, I called US Bank about overdraft charges being made to my US Bank checking account ending in XXXX. US Bank removed those charges. While I was speaking to the US Bank Customer representative, I remember telling her that I was sick and tired of having to call each month about this matter and that if it didn't stop I was going to close my checking account. I then terminated the conversation. I ended this conversation not knowing that my US Bank checking account ending in XXXX was closed. When I logged back into my US Bank account, my checking account no longer appeared on my dashboard. This is a free senior account that I can not replace. After seeing that my US Bank checking account had been closed, I called US Bank to find out what happened. The US Bank representative whom I spoke with tried to help me reopen the account. After a few minutes of trying to reopen the account, the US Bank representative said that her " manager '' would not reopen the account. It was not my intent to close my US Bank checking account because it is a free senior account that I have used for many years.
Product: Payday loan, title loan, or personal loan

Some of the problem categories don't really identify with my situation. 

There are multiple collection agencies attempting to collect on the same debt. I have communicated to them requesting validation of debt and the account numbers, amounts are identical but the validation however the dates are the almost identical. 

I do not know who to reply to regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this specific account XXXX XXXX  reports " Settled for less. '' XXXX  reports " legally paid in full for LESS than FULL Balance ''. Equifax reports payment was only {$340.00}. The account was paid in full with an overpayment of around {$41.00}, so the " settled for less '' and " less than full balance '' from XXXX and XXXX  needs to be removed and Equifax needs to show that the full balance was paid. 

Correspondence Log with XXXX  : XXXX XX/XX/2021 Rep : XXXX Call ID XXXX Number called : XXXX XXXX min around XXXX MST XXXX acknowledged payment in FULL, with an overpayment of about {$41.00}, sent me an link to dispute the remarks on my credit report that state the payment was NOT paid in full because the reports state the account was " settled for less '' and " less than full balance. '' Submitted dispute on XXXX or XXXX XX/XX/2021, received email notification to XXXX to XXXX receiving dispute at XXXX XX/XX/2021 at XXXX MST. Ticket ID XXXX Received response of dispute from XXXX  ( XXXX XXXX XXXX stating : " The loan is reporting correctly to the credit bureaus '' and that they " consider this investigation closed '' and " will not respond to further request that are substantially the same as the previous request ( s ) submitted by you or on your behalf '' XXXX XX/XX/2021 Rep : XXXX XXXX ID XXXX Number called : XXXX 31 min at XXXX MST. I was told that a manager was not available to assist me and they could not transfer me to the credit reporting department.
Product: Vehicle loan or lease

We had a vehicle repossessed through us auto credit in XXXX fl. On our credit report it stated closed charged off. I disputed this to get it removed off my credit and us auto credit reopened this and is now taking me to court plus wanting me to pay for extra fees and extra finance charge until it is paid off. It also states on my credit report that this was affected by natural disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights.. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I received a letter from Wells Fargo dated XX/XX/year> indicating that a credit card application had been filled out in my name. Application # XXXX. I did not apply for this card. The letter indicates the application could not be completed because my credit is frozen and asked me to unfreeze my credit to complete the application. Obviously that is not going to happen.
Product: Credit card or prepaid card

I am writing to you to escalate an extremely serious unfair credit card decision by Citibank. This was regarding my new XXXX XXXX XXXX credit card application. Recently I applied for this XXXX XXXX XXXX credit card online, but it was declined by credit card department. Today a representative ( XXXX XXXX XXXX ) from Citibank executive office called me and explained why this application was declined. The reason that XXXX XXXX gave me was that I opened two new cards over the past 12 months ( not with Citibank, but with other banks ).

First of all, I have outstanding credit score and credit history that you can see in my credit report. Secondly, I know many of my friends who opened even more than two new cards in 12 months but were still approved with new card application by Citibank. Apparently, Citibank treated me very unfairly as opposed to other Citibank customers. This is seriously against US Federal Law of Fair Credit Act. I suspect Citibank credit card representative XXXX XXXX XXXX had discrimination against me because I am minority when she made such a decision. 

I must request Citibank to re-review and approve my application as fair decision compared to other customers. 

For your information, my application ID with Citibank is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I filed a dispute with Experian back in XX/XX/2020. The balance that was shown for loan through XXXX XXXX XXXX was incorrect. Experian informed me that it will take 30 days to resolve. I had also submitted documentation showing the new balance. 
XX/XX/XXXX Experian sent an email stating that my information have been updated. I had 1 point decreased in credit score with out an explanation. Also the updated balance was still incorrect. I called Experian customer service and the person I spoke to didnt know why my credit dropped a point or why the information wasn't corrected. Now it's going to take another 30 days to resolve this matter. Experian is one of the 3 major credit reporting agencies. Not having the right information, is disappointing and also a road block in trying to apply for credit or to make businesses transactions.