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

On XX/XX/ I reviewed my credit report with Equifax. The following week on XX/XX/ I logged into MyEquifax.com and attempted to pull a current report, only to get an error message of XXXX asking me to contact Exquifax by phone. I reached out to Equifax using the number provided and spoke with an agent explaining the error I received when attempting to obtain a current report to ensure its accuracy. After several attempts at trying to figure out the issue, the agent explained that they would create anticket for the issue to be repaired and that they would reach out once the issue was resolved. As of today, XX/XX/ the issue is not resolved. I applied for merchandise from a creditor who reported back that there was an error obtaining my credit report from Exquifax and to reach out to Equifax regarding this issue. I immediately contacted Equifax in which they verified that they could see my report as they used it to verify me and as yet there was still no answer to the ticket submitted previously back in XXXX. At this point I have been unable to review my credit report since XX/XX/XXXX to verify its accuracy and cant obtain any credit through my credit report with Equifax due to this unresolved issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts 1. XXXX XXXX XXXX. ( XXXX XXXX , XXXX . Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX XXXX XXXX ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XX/XX/XXXX/XX/XX/XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XX/XX/XXXX 4. XX/XX/XXXX/XX/XX/XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX 5. XX/XX/XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2020. A collection showed up on my credit reports for an XXXX returned check. I was contacted by the collection agency after I filed a complaint on your website. They alerted the credit bureaus to remove the collections. XXXX  did immediately. XXXX  did after I complained again and as of XX/XX/XXXX, it was still listed on Equifax credit report. So I sent Equifax a copy of the letter from the collection agency and yet still today XX/XX/XXXX, that collection is still listed on my report. I want this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a XXXX late payment entry on my mortgage account for the month of XXXX  2023. I appreciate the services provided by XXXX XXXX  and the role you play in facilitating my homeownership. I have recently reviewed my credit report and noted the presence of this late payment entry. I believe there has been a misunderstanding or error, as I have consistently made on-time payments since the inception of my mortgage. Upon investigating this matter further, it appears that the lateness may have been the result of XXXX company as stated on their website and the document they sent me stating that they processed check XXXX XXXX on XXXX XXXX, 2023 and mailed it out same day. They also stated through email and their website that the check was delivered on XXXX XXXX, 2023..this payment will be delivered by paper check on Wednesday, XXXX XXXX, 2023 SENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plastiq company sent check from XXXX XXXX, XXXX on XX/XX/XXXX through mail to XXXX XXXX  in XXXX, XXXX  it was delivered on XX/XX/XXXX. That's not XXXX  days late. XXXX XXXX  said they received it XX/XX/XXXX but can't verify that.
Product: Credit card or prepaid card

I purchased a visa prepaid card from XXXX. When I got home, there was information on how to activate it through Netspend. I went to www.netspend.com/activation as instructed on the box. When I filled out the required information, it said " Something Went Wrong '' and told me to call XXXX, which I did. I first tried going through the automatic phone messages to activate it, but it seemed to struggle with that as well. It then directed me to operators that asked for the exact same information after transferring me once but getting my name twice. By this point, I was beyond sketched out and refused to give my social security number but I did hesitantly give the last 4 digits. Additionally, they asked for the last deposit made on the card. At this point it feels very much like a man in the middle scam and I could not verify I was actually speaking with netspend 's customer service.
Product: Debt collection

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.

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.

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. 


Your complaint Complaint Number XXXX Your complaint Complaint Number XXXX - [ ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Valor Intelligent Processing , LLC XXXX XXXX XXXX XXXX, XXXX, FL XXXX Credit Bureau : XXXX XXXX XX/XX/2023 RE : Complaint ID XXXX ( XXXX XXXX ) RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2023 } and I noticed an unauthorized credit inquiry had been made. 
I contacted { Valor intelligent processing LLC }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX XXXX
Product: Debt collection

I requested this company to CEASE ALL ORAL communication and only contact me VIA snail mail or email ... They continue to call and violate my rights repeatedly by harassing me via Telephone calls to myself and family and friends.
Product: Checking or savings account

The daily transactions are being withdrawn and then they disappear with the balance being the same as if the charges are still on the account. On XX/XX/year> there were XXXX charges for XXXX, I also had a charge for XXXX now they arent on the the transaction history but the balance is showing the the charges were subtracted.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear Credit Bureau Name/Consumer Financial Protection Bureau Representative , I am writing to formally file a complaint regarding inaccurate and harmful credit reporting practices that have negatively impacted my credit score for over 30 years. These issues are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically the provisions outlined in 15 U.S. Code 1681b, 1681n, and 1681o. 

Summary of Issues Repetitive Deletion and Re-Addition of Debt : The same debt, which I have repeatedly disputed as unverified, continues to be removed from my credit report only to be reinserted without proper notification or validation. 

Unverified and Duplicated Debts : The debt in question has never been substantiated, and on multiple occasions, it has been duplicated on my credit report, further damaging my creditworthiness. This is a violation of the FCRAs accuracy requirements. 

Long-Term Negative Impact : These practices have caused significant harm to my credit score and financial standing for decades, impeding my ability to secure credit, loans, and other financial opportunities. 

Relevant Legal Violations 15 U.S. Code 1681b : My report is being accessed and modified in ways that do not comply with permissible purposes or accurate reporting standards. 
15 U.S. Code 1681n : The repeated inaccuracies suggest willful noncompliance with the FCRA. 
15 U.S. Code 1681o : At the very least, these actions demonstrate negligent noncompliance with the law.
Product: Debt collection

I have sent various dispute letters via certified mail to have this debt validated or to be removed from XXXX. This item has been removed from XXXX XXXX and XXXX   months ago because they couldn't validate the debt. Please delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX I am writing in regards to somethings that I have noticed from you all on my consumer report. I see an alleged late payment that you have furnished on my consumer report. It was actually a billing error due to violations on part of your compant. By reporting this as a late payment you are in violation of the following 15 U.S. Code 1666 Correction of billing errors ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 

The law clearly states that you all were to send disclosure to my address at least XXXX days before the end of the billing cycle, which you did not do so therefore it was a billing error on your part. I am demanding to see real verifiable proof that I did not pay on this account that is marked late as well as proof that you have sent the disclosure as stated above XXXX days before the statement due date. If you can not provide these things. It is clearly a billing error pursuant to 15 U.S. Code 1666. 

The account below should be updated to paid as agreed on my consumer report XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation CAP ONE AUTO Account Number : XXXX As a consumer by law the late payment must be removed and account updated to paid as agreed Having this late payment reflect to my account has caused me much financial stress and money. It has hindered my ability to obtain credit and has cost me more money than it should because of higher interest rates. As a consumer by law I am eligible to seek compensation for you all violations of the law pursuant to 15 U.S. Code 1681n you are liable for up to {$1000.00} per violation. I am demanding that you update the account or remove it from my credit report ASAP or I will have to escalate this to the XXXX XXXX XXXX and Attorney General. 

Thanks for your Cooperation in getting this resolved on my consumer report. 

XXXX XXXX
Product: Debt collection

Im a Renter @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX there is a company called Flexable Finance thats was said to be opened XX/XX/2022. And is claiming I owe then 7 mo or {$1200.00} on XXXX credit reporting. My rent comes out direct deposit to XXXX XXXX XXXX XXXX NC {$1300.00} nothing goes to any Flexable Finance and they keep charging rental payments I called my rental office which I am not even on current lease my wife and son are, respectively, XXXX XXXX and XXXX XXXX XXXX so Im not sure how Flex even obtained my name and my personal information as I personally never signed up to Flex or even create a renters deal with them using my name, my signature or made any deal such forth they will pay the rent my wife and son reside@. . XXXX gets XXXX dollars per month from me from my XXXX XXXX XXXX account I can not arrest or help as to why XXXX  XXXX will not pay back Flex but that is between them. I paid rent same exact time flex did whatever they did so if XXXX is if XXXX XXXX is holding and keeping unauthorized monies that does not fall as my responsibility as I never signed nor agreed to pay flex nor am I on any lease to do so! I am not paying Fkex back rent payments because XXXX wants to be double fisted. Im told Flex nor XXXX will correct this matter. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX there is a company called Flexable Finance thats was said to be opened XX/XX/2022. And is claiming I owe then 7 mo or {$1200.00} on XXXX credit reporting. My rent comes out direct deposit to XXXX XXXX XXXX XXXX NC {$1300.00} nothing goes to any Flexable Finance and they keep charging rental payments I called my rental office and all Im told Id Flex only has a email and there is nothing that can be done meanwhile XXXX is not only getting my full months rent directly withdrew from my checking on the XXXX of every month they are getting paid by this flex finance keeping the money and flex is charging me. My credit went from XXXX to XXXX with XXXX XXXX with XXXX. Flexible Finance only number and all you will get is a email is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife has a credit card with Synchrony Bank credit card. She makes purchases and pays on time. One time in past six months she missed a payment. They reported to credit reporting. After which we did pay off the amount with in the 30 days of reporting late. 
Now, after many months it is still showing 60 day late and 90 days late on payment, even after it is paid off. Not only that, I am not linked to my wife 's credit card. And my credit report is showing bad scores. This delinquent report is showing on my credit history. 
We are requesting you help to remove this late fee record for my credit report. Also requesting to help in updating the paid off and not show delinquent in the future credit reports. Your help is appreciated.
Product: Credit card or prepaid card

Approximately  XXXX / XXXX /   17  I tried to deposit cash to m y Netspend Card and was unable to was told card was blocked. I called Netspend got customer service rep who must have been in another country unable to communicate well. She said something about card blocked suspicious activity and asked about some charge and I replied there was nothing wrong my balance was correct and I wanted to add funds. She said ok there is fraud card is cancelled and I kept trying to explain but it was obvious she was reading from a script. No matter what I said she had same answer. So I got frustrated said cancel the card I will never use Netspend again.  The around  XXXX / XXXX / 17  I won money at  XXXX  and the have policy the first {$50.00} of winnings has to go back to debit or credit card in the last 30 days. So {$27.00} of it was credited to my cancelled debit card. So I call ed Netspend and they first said there was only {$13.00} not {$27.00} then said I would have to get a n ew account. I told them I would never give them another dime to send me a check and they said I would have to pay {$5.00} to get a check so I hung up and wrote a letter explaining I was going to contact every appropriate state and federal agency concerning their actions. I have never got a reply. I looked online today  XXXX  and see they have charged me {$9.00 } (   XXXX   ) 3  times since I told them to cancel card and send me my {$27.00}. They say I owe them {$2.00}. How ma ny 100,000 's of other people are Netspend doing this to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a claim because there has been fraudulent things being done on my consumer report by XXXX, XXXX XXXX & Equifax all three credit bureaus have been adding inquiries on my consumer report and collections that I do not authorize. No unauthorized user can BY LAW be falsely reporting things on my consumer report affecting my creditworthiness. I, the original Creditor do not owe any debt ; and the debt has also been disputed and sold to another 3rd party. I ask for any reporting agency and 3rd party to provide me documentation of an Original Contract signed by me & another party validating the alleged debt I Owe. A third party does not have an original contract with my signature used as an negotiable instrument Title 12 and by law if they do they would have to disclose this information stating I am the Creditor, & consumer funding the account with my signature as an Negotiable Instrument Which is another violation of these public institutions under U.S. code 15 USC 1611, 15 USC 1681 ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove these inaccurate information as you are in violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX  and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I went to prison ( I provided the info to bank of america ) and while incarcerated someone got access to my information. They changed all my info and withdrew all my money. I have been trying to get my money back and the bank will not give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

-I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against TransUnion. 

Account Information : Creditor Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 

The violations committed by TransUnion include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against TransUnion for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) which covers the treatment of inaccurate or unverifiable information in a consumer 's file. It states that if a consumer reporting agency ( CRA ) finds that information in a consumer 's file is inaccurate, incomplete, or unverifiable after a reinvestigation, the CRA must either remove the information or modify it. I am requesting that they send me the original contract with both signatures they have 30 days to prove that I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Car was in an accident that resulted in XXXX insurance totalling the car XXXX paid Santander at XXXX XXXX XXXX in the amount XXXX Santander is still reporting this account as a balance owed and the car is out for repossesion that car was totalled and returned via my insurance company. please see attached email and receipt showing payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries : XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Inaccurate late payments : XXXX : 15 U.S. Code 1666b. 
XXXX : 15 U.S. Code 1666b. 
XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1666b. 
XXXX XXXX XXXX : 15 U.S. Code 1666b. 

Charge-offs and collections : XXXX : 15 U.S.Code 1692a ( 4 ). 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 
XXXX : 15 U.S.Code 1692a ( 4 ). 
( Original XXXX XXXX ) :15 U.S.Code 1692a ( 4 ).

( Original XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 

I reached out to these company but the issues were not resolved