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

I just looked at my consumer reports and noticed an account that needs to be deleted. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never provided written consent to report the account : XXXX XXXX XXXX Account XXXX : XXXX. Please investigate and provide proof that I authorized the reporting of this information. If proof can not be provided I demand this account to be deleted from my TransUnion consumer file.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to my previous correspondence, titled Final Demand for Immediate Removal of Inaccurate Information. I have yet to receive an adequate response or resolution to my concerns regarding the inaccurate and unauthorized information being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

none compliant refusing to remove instead leave a {$2.00} balance and provide verification account created online
Product: Checking or savings account

This is a Very sick company!!! i have called them XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ... ... ... ... ... ... ... ..and they will not return my funds back to family and i can not transfer it to my bank account!!!!!!!!!!!!!!! 
For several weeks now I've been trying to transfer funds into my bank account to pay numerous utility bills or rent water bill food for the family and PayPal has completely denied me access to funds that belong to me and restricted the account and now they will not return the funds back to the origination causing complete chaos and complete nonsense on this horrible despicable company that should be absolutely sued and every one of their members should be thrown in jail for a long time they are criminals and they are one of the worst companies in the United States of America and all the calls get routed to the XXXX islands and they do absolutely nothing they have stolen well over {$2000.00} of my funds and claimed that there's an issue with another account which does not belong to me and they have caused you normal amount of problems with my family!!!!!!!!!!! 
paypal has over 100,000 unanswered complaints, and instead of dealing with them just palms off the customers, locks their accounts, and keeps the interest. 

in the current arbitration process that paypal has instituted complaints must be submitted to binding private arbitration in XXXX XXXX county. paypal then reserved the right to freeze that customer 's account, and made the person submitting the complaint pay part of the arbitration fees ( which could often amount to more than the claim itself ). customers were also not allowed to combine separate disputes into a single arbitration, therefore making them pay multiple fees.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I did a consolidation on my credit cards bc of debt, the company I went thru handled the closing of the credit cards and non of them got closed which was not their fault. I even paid an additional {$25.00} dollars to have the money rushed on this particular card and I have been charged multiple late fees, they even pulled the money out of my account the day the payment was due and the day the check was received to close the account. I disputed the withdrawal bc the full amount on the card was paid. 

I also need to understand why all my credit cards are linked to " specialized loan servicing '' without my consent?
Product: Credit card

Chase Ink credit card advertises XXXX points for every {$1.00} spent on wireless services. On XX/XX/2016 I made XXXX transactions to pay XXXX bills. {$21.00} and {$2100.00} Chase did not award me XXXX points as expected. Upon complaining Chase claims that it is due to the way payment gets coded. This isnt something Chase explains to customers. I think this is a clear case of FALSE advertising and UDAAP Violation. I would like CFPB to help me solve the issue and get me the points I deserved to get in the first place.
Product: Debt collection

I had a medical emergency a couple of years ago at XXXX XXXX in XXXX XXXX, Texas. During my visit I had to provide my medical benefits-insurance information to be seen. All information was provided at time of check in. I never received notice to provide additional information during my visit or thereafter. Many months later I received notice of a collection account on my credit profile. I did not receive information to validate said debt nor did I receive and EOB from my insurance company showing the bill was presented to my medical insurance.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX, & Equifax are reporting a late payment on my consumer report from XXXX Credit Card but did not provide any evidence I was indeed late. FCRA states information must be validated before it is able to be reported. Neither consumer agency provided necessary documentation to confirm I was late. This is my final attempt to resolve the matter or I will sue each consumer agency. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

On XXXX XX/XX/XXXX  my USAA checking and savings accounts were restricted from my access. I was also informed that after a period of 60 days my accounts and membership would be cancelled. I asked for the reason why and was only told that in the USAA policy rules that I had been given 12 years prior described they had the right to cancel membership with USAA and give a 60 day notice. I asked how I would be able to take care of my everyday needs if I was not able to access my funds. I was told that this was determined by the back office and I could not access my funds. I explained that my sources of income were directly deposited into my USAA account. Without access I was unable to pay any financial obligations I had. I was informed that there was nothing that could be done. I had no access to my funds. I was told that after 60 days I could request a quick action be submitted and a check for the total in my account be mailed to me. 

I have made contact with USAA on approximately 3 separate occasions since my initial notice of my restricted accounts. On all 3 occasions I was basically informed that I had no access to my funds for daily needs I am unable to pay for groceries, rent, and other needs without access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost of job was forced for this account too go to my credit report no way of paying it and now its old its been since 2016 the amount of {$930.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported by XXXX XXXX on my credit reports with Equifax and XXXX. The inaccurate reporting by XXXX XXXX has led to significant discrepancies in my credit reports, negatively impacting my creditworthiness and financial standing. 

The account in question, XXXX, has been reported differently by Equifax and XXXX. Equifax reports the account as being 120 days late, while XXXX reports the account as being charged off. Additionally, there are discrepancies in the reported balances, with Equifax reporting a balance of {$1000.00} and XXXX reporting a balance of {$1000.00}. Other discrepancies would be the reflected 90 days late. Equifax is reflecting two separate dates XX/XX/2023 & XX/XX/2023, and this is inaccurate and harmful to my creditworthiness. 

Furthermore, there are inconsistencies in the reporting of payment history. Equifax reports a good standing payment history for XX/XX/2023, while XXXX does not report any payment history but reflects the account as charged off. 

I do not believe that this information is accurate and am requesting documentation to validate the accuracy of this account. Verification must be provided in the form of an original agreement or contract signed by myself and an officer of XXXX XXXX. Without proper validation, I can not accept the accuracy of the reported information. 
I demand that Equifax and XXXX conduct a thorough investigation into this matter and provide me with a written response detailing the actions taken to rectify these discrepancies within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). 

I also demand that any inaccurate information be promptly removed or corrected from my credit reports. Since XXXX is reflecting that this account is charged off, I am demanding the 1099c ( cancellation of debt ) form from the IRS that reflects this accuracy. If this information can not be validated as true, then this account is fraudulent and this account must be deleted. 

Equifax is reflecting this account is open and late while XXXX is reflecting this account is closed. This is another inaccuracy. 

Failure to comply with my request and rectify the inaccuracies in a timely manner may result in further legal action to protect my rights under federal law.

5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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

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. 


has violated my rights. Or a 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 XXXX 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

I requested that the company provide the original contract that has my original signature, proof that this debt originated from my social security number and address with proper identification as well as accounting to show how they arrived at the amount that is shown on the notice and their agreement that they have the legal right to collect on the said debt. I requested this validation and to date I have not received this information. Instead or the information requested, I received the attached letter that states that Ad Astra is not going to provide this information because it was already provided when in fact it was never provided. This unverified, erroneous item is damaging my credit and the company has not provided the information requested for the questionable debt and this debt needs to be deleted. In addition, XXXX continues to notify the credit reporting agencies, deeming this item accurate with no proof. I looked up the policy for information with the said company XXXX and it clearly states that the information in which a customer can opt out of. I opted out of XXXX information sharing in XX/XX/XXXX due to multiple offers that I had been receiving and was not interested in a loan at that time. This is why I can not understand how Ad Astra is verifying ( or ) validating which ever term you set to use that this debt belongs to me. Remove the said item as you have NEVER investigated the item as I originally requested.
Product: Payday loan

My husband and I applied for a loan while we were in a very though spot -- ha had been laid off and we needed to pay our car while he was between jobs Green Trust Cash XXXX XXXX XXXX, MT XXXX Customer Service at Green Trust Cash Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX E mail : XXXXXXXXXXXX Approved us for a loan. the interest rate was at about 150 % which we were not aware of at the time. We thought we would be able to pay it back quickly. We have been paying faithfully since XXXX/XXXX/2015 and still have almost the same mount due ( we have paid a total of XXXX for a loan of XXXX and still have a payoff amount of {$400.00} as of today )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Bank of America on numerous occasions regarding an account that has been reported as a collection account on my credit report for the past 90 days and continue to have the same issue not be resolved. I have explained to their representatives that the account was included in a Chapter XXXX in XXXX and needs to be updated. Each time the account rep notifies me that they have logged the case to be reviewed by their credit department and once completed I will receive a letter in the mail with the results. Unfortunately, I have yet to hear back from anyone at BofA. 

I called again on XX/XX/XXXX and was left on hold for over 30 minutes only to have the call terminate. I continue to provide information to their call center representatives to log the dispute and unfortunately I never hear back. This afternoon I learned they never even updated my contact information from any of the calls I have placed I have explained the error in the reporting to be a violation of FCRA laws and needing to have this remedied but seems that no one in the organization I speak with takes any of my claims to be valid or serious.
Product: Debt collection

Over the last 9 months, I've received hundreds of calls from this company using several different numbers to try and collect on some kind of debt. However I don't have any unsettled debts. Some of the phone numbers they have called from are : XXXX, XXXX, XXXX, XXXX, XXXX. They have violated multiple rules, calling before XXXX XXXX, calling from multiple numbers many times on the same day. My phone number is on the do-not-call registry. They ask for someone named XXXX, and I've explained I am not that person, nor do I know that person and to remove my number. They have continued calling, despite this. I have never done business with this company, nor have I given them permission to call me. I have informed them that I'm on the do-not-call registry and warned them that they are violating the law in calling me, but they persist.
Product: Credit card or prepaid card

Three weeks ago I remitted a payment to Discover Card as tender, to pay my monthly credit card bill from my XXXX XXXX  XXXX checking account for {$2000.00} dollars.I am accustomed to paying large payments with Discover Card, and I have never had a thirty day late payment since I've owned the card for over one year. I'm very responsible with credit, and out of 14 open credit lines, I had zero thirty day late payments on any of my accounts. Not even one! I had beautiful credit because I paid my bills on time every month. I had just deposited the funds at XXXX XXXX  XXXX, and had more than enough funds to cover the payment. 
XXXX XXXX  XXXX coded my check wrong so the funds didn't go into my account on time. This was a banking area at XXXX XXXX XXXX. Because they put my check in the wrong way, the funds were not made available on time, and caused my discover card payment to bounce for {$2000.00} dollars. I put the money in the bank like I was supposed to and depended on the bank the do its job properly. I didn't know that the check had not cleared the bank. I put the money in there for that purpose. I got notification from Discover Card stating they had received payment for the {$2000.00} dollars, so I started using my card. a few days later, I was informed that my account had been closed, due to insufficient funds. Discover Card closed my account due to a bank area! I had this account over one year with no thirty day late payments on it.
Product: Vehicle loan or lease

Its the constant every two weeks to the date they call when payment is due. I dont even get to the end of the day! Its harassment when it doesnt need to be. My car is almost paid off! I tried to make a {$100.00} payment today and payment was refused! I dont need a car loan company calling me the day my payment is due! Thats very loan sharkish
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to ON TIME as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is difficult to cancel and requires you to spend a long time on the phone.
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. The accounts below have 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 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 ) ( a ) 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. Delete the accounts XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}