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

Equifax is reporting my social incorrect. The are the only bureau reporting it and I have disputed it with them and they haven't fixed it. 
They still have my social off by 1 digit and there are several accounts only on Equifax that are not mine & I have never done business with. If they fix my social all those invalid accounts would come off as they are affiliated with that social. 
Because of Equifax not fixing this is has caused me to lose the financing of my house. 
Because of this I have contacted an attorney. 
This is an obvious violation and inaccurate info and I DEMAND it be fixed and the CFPB should demand it be fixed before they allow Equifax to close this complaint. 
I have attached proof of my social and PROOF that they are reporting my social wrong along with all the accounts affiliated with it. 
I am prepared to go further with legal action as long or as far as I need to take it. I am so tired of fighting this and them not being accountable. You guys are ruining my life! 
Do your job and fix it. Thank you
Product: Credit reporting or other personal consumer reports

Experian wont let me dispute my account, and my payment to the credit bureau is not displaying on my account. Second time, No posting for XXXX and XXXX.
Product: Debt collection

I sent the debt collection agency " Patient Accounts Bureau '' a certified letter with return receipt in which I requested that they contact me in writing through USPS mail and that they no longer contact me by phone in addition I asked that they validate the debt in which they say that I owe. The company received this correspondence on XX/XX/19 and since then have continued to call me nearly everyday since then. I have spoken with attorneys who have advised me that this is a violation of the FCRA guidelines and this behavior is harassment.

This company is called Patient Accounts Bureau, however they appear to be owned by another company known as Hollis Cobb Associates. In addition the company has multiple addresses, 2 of which are correct and a third which appears to be bogus as evidenced by the returned letter I received when trying to contact them via USPS mail. I have attached proof of all of these facts below, including the returned envelope of the third address and a screenshot of the companies online XXXX XXXX profile listing this address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX and was finally discharged by the court in XX/XX/XXXX. 

All of the accounts that were affected by this bankruptcy reflects the dates that I have previously provided, except for the Hawaii USA account that is reported to Experian. On the Experian report, it shows that I had filed for bankruptcy on XX/XX/XXXX instead of XX/XX/XXXX and also shows a charge-off on the account on XXXX of XXXX. Both of which is totally incorrect and should never have been marked past the date my bankruptcy was initially filed for. 

I reached out to Experian on XX/XX/XXXX and the person I spoke to said that they were not able to help me because the information reported to them by Hawaii USA was confirmed and that any incorrect information should be handled through them. 

On XX/XX/XXXX, I reached out to XXXX from HawaiiUSA 's dispute department. She got back to me on XX/XX/XXXX after a thorough investigation and said that they report throught the E Osker system and when they input the information, it does not give them an option to select the dates and that is supposed to be handled through Experian. There was XXXX could do because they are limited through the E Osker system. She and I confirmed that all other credit bureaus are reporting correct information except for Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was not verifie d or Consent was no t givin prior to reporting under the FDCPA.
Product: Credit reporting or other personal consumer reports

I have sent certified dispute to Experian, which came back as refusing to pick up. I know its the address I sent it to because this is the sixth dispute that I have submitted now theyre refusing to pick up my certified letter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Rectifying FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I'm writing urgently to address critical discrepancies I've found in my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). Following a comprehensive review, it's evident that several errors persist within my credit profile, highlighting a significant oversight in FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a fundamental federal statute that governs the meticulous collection and reporting of consumer credit information. It mandates precise acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations that I've identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies due to name or social security number similarities. 
Neglect of prescribed dispute-resolution protocols by agencies. 
My rights under the Fair Credit Reporting Act include : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information within my file has been used against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items starkly violate FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused significant distress, notably reflected in my recent denial for extended credit, stemming from errors originating from your agency. 
XXXX. XXXX  XXXX XXXX A Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX  XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 



I urgently implore prompt action to rectify these violations within the timeframe stipulated by the FCRA. Failing to address these concerns may necessitate further measures to ensure compliance with my rights under the FCRA. 

Best regards, XXXX XXXX
Product: Debt collection

None of those options correctly defined my complaint. On XX/XX/19 I received notice of a debt in collections with Credit Bureau Service of Iowa , Inc ( hereinafter " CBSI '' ). I recognized the debt and knew the original creditor. I decided to tackle it head-on and went online to make a payment. I authorized on my card a charge dated XX/XX/19. I read the terms and conditions and it explicitly stated there would be no fees applied to my card. I checked my card statement today and there was a {$0.00} charge pending on my card from CBSI. I reported this as fraud on my card. This was not stated as a fee anywhere on the payment page. I also thought it was odd that they did not list the actual terms and conditions of the agreement anywhere on the payment page. I have photo documentation of the payment page and terms and conditions. I'm pretty sure it is against the FDCPA to charge additional fees prior to a post-dated payment when " no fee '' was stated explicitly on their payment page.
Product: Payday loan, title loan, personal loan, or advance loan

Our loan originated on XX/XX/2017 with OneMain Financial. When we first applied for this loan, the company did not explain that we were taking out a title loan. We just assumed that we were putting our car up for collateral, but were young and naive and didn't understand what that meant. The company did nothing to explain it to us, and therefore, we ended up owing {$17000.00} on a car that was worth less than {$5000.00}. Since that original loan, we have had to " extend '' our loan several times, especially through covid. There was even an additional life insurance premium added to our contract that we were told we were required to purchase. So, we have been paying 18 % interest on a {$1300.00} now for XXXX years. Currently, when you login to our account, it shows that they total owed is around {$9400.00} but when we call to get a pay off amount, they tell us we owe upwards of {$11000.00} due to the extensions on our account. Again, no one told us about this. Most recently, I found out that a family member of mine went to a local branch of OneMain, the employee ( s ) there gave them ALL of our account information including the interest, amount owed, original amount financed. This seems like a major breach of contract. There are so many issues here that I don't even know where to begin.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America employee made an error by posting a payment on my account that I did not make. Then they reported to the credit bureaus that I had a high balance of {$1200.00}. The credit limit on my card is only {$500.00}. I have never charged anything on this card that is over my credit limit. I called Bank of America to fix this problem and they have refused. It is causing me to not get credit and home loan. I called and sent letters to Bank of America and to date they have refused to correct their error and report the correct " high balance on this credit card. I am being discriminated against because I am a XXXX woman. Bank of America is fully aware of their error and have refused to fix it. 
I wrote them numerous letters stating one of their Customer Service Rep at their call center processed a payment on my account that I never did. They have refused to correct my credit report and take off the high balance they are reporting. I never charged anything on this account to have a high balance of {$1200.00}. I been fighting them for over 2 years to fix this error. They have refused and doing this to keep a false derogatory information on my credit report to prevent me from getting loans and credit. Because I am a XXXX woman. Please stop this discrimination against me and fix my credit report with the correct information. 

Below is what is listed on my Credit files. All three, XXXX, XXXX and XXXX XXXX is reporting this inaccurate high balance : Bank of America Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly Date Paid XX/XX/XXXX High Balance ( Hist. ) High balance of {$1200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Bank account or service

1 ) I sent this email to my bank : Greetings, I am a customer, and I tried to look up info on Union Bank 's exposure to pressure from oil and gas markets. I 'd like to get a clear picture of how much debt Union Bank carries in that sector. Can you please point me in the right direction? Thank you. 

2 ) I received this response : Dear XXXX XXXX, Thank you for your recent e-mail. Please see the link below. 
XXXX We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 3 ) I responded : Thanks for the response, XXXX. But what I was looking for was the amount of of outstanding loans the bank has in the oil/gas sector, not its investments. Where do I find that info? 
Thanks, XXXX XXXX 4 ) They responded : Dear XXXX XXXX, Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. 
We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 5 ) I sent another email higher up the food chain : Greetings. I recently asked a question about amount of of outstanding loans Union BankXXXX bank has in the oil/gas sector and received back a link with information about the bank 's portfolio. Following up, I received this email : " Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. '' Surely someone somewhere is keeping track of the information I am requesting. As a customer, I am entitled to this information. Please provide it or refer me to someone who can. 
Thank you. 
XXXX XXXX 6 ) I received this response : Dear XXXX XXXX : Thank you for your recent email. Below is a link to XXXX Union Bank financial highlights XXXX Unfortunately, the information you are requesting is not public information and we are unable to share the details due to the privacy law. 
If we can be of further assistance, please send a new message from our Secure Messaging Center, or call Online Banking at XXXX XXXX XXXX XXXX. Online Banking agents are available to assist you Monday thru Friday from XXXX to XXXX XXXX XXXX XXXX XXXX, and Saturdays from XXXX to XXXX XXXX XXXX XXXX ). 
Thank you for the opportunity to assist you. 
Sincerely, Customer Care 7 ) QUESTION FOR YOU : Am I not entitled to know how my bank uses ( lends or invests ) the money I deposit? Oil and gas is taking a huge hit right now and I want to know how my bank is exposed to losses. Is that not my right, especially after the mortgage fiasco? 

Thank you for any guidance you can offer.
Product: Money transfer, virtual currency, or money service

A fraudster met me on social media and through XXXX, he shared his investment gains he made in Coinbase. He mentioned Coinbase is one of the most secure crypto storage and investment platform. With his guidance, I also invested in cryptocurrency not knowing my information was compromised. I did not authorize Coinbase to debit my funds to an unauthorized digital wallet.

Coinbase, without any warnings about possible fraudulent activities of the digital wallet, moved my funds over to a scam organization. The transactions into Coinbase was part a cryptocurrency scam. I, as a consumer, did not receive the service that was promised or described by Coinbase. I tracked the downstream wallet, which has been flagged multiple times for fraud, and Coinbase ignored the problems and did not do anything to investigate or close the fraud wallet. When I contacted Coinbase, they simply ignored my complaint.

Coinbase has a big loophole that makes easy for the scammer to do money laundering and allows scam sites to steal funds to their platforms. Such merchant contributed to fraudulent practices and did not have any safety precautions in place to protect myself and other consumers from this happening.
Product: Debt collection

I'm and unaware of debt made by my and have no knowledge of said debt with Credence RM
Product: Credit reporting or other personal consumer reports

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, XXXX, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, XXXX, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, XXXX, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX the opportunity to make this matter right by way of the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I purchased a car and I see there are 2 credit inquiries from Chrysler Capitol just 7 days apart. There is no reason why this company needs to pull back to back credit inquiries, other than to lower my credit score. I did not authorize 2 credit inquiries. For some reason, it's only XXXX that has multiple double credit inquiries on my report, significantly lowering my score.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX AS OF XX/XX/year> I HAVE NOTICED this fraud account and i have been disputing the FRAUDULENT ACCOUNT REPORTING ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX XXXXTHIS COMPANY HAD NEVER PROVIDED MY PERMISSION TO FURNISH MY CREDIT REPORT XXXX it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft XXXX XXXX  HAS NEVER PROVIDED PROOF OF PROCEDURE OF INVESTIGATION XXXX. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT - 15 USC 1681B - PERMISSIBLE PURPOSE 15 U.S Code 1681b - Permissible purposes of consumer reports I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. at resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

15 U.S. Code 1681i - I ( 7 ) 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1681c-2
Product: Debt collection

Paid off this debt in full to JH Portfolio Debt Equity in the amount of {$490.00}. The agreement was to remove item from credit report if I paid off the debt. The original holder of the account was XXXX XXXX XXXX XXXX XXXX. The phone # is XXXX. 
I've tried to call several times with no luck. The account is on XXXX  as unpaid debt, but was removed from XXXX XXXX and XXXX. I also tried calling JH Portfolio, but they went out of business. I researched that company only to find that it was complained on several times through XXXX. Apparently now a company call Consumer has the account. I researched, but apparently that company doesn't exist, This is a really old account opened back in XXXX and paid off in XXXX. Please help with the removal of this account if all possible ... Thank You!
Product: Checking or savings account

I openned a CD account for a period of 7 months at an interest rate of 5.5 % XXXX Webster Bank in XXXX XXXX XX/XX/year> On XX/XX/year> I received an addendum letter regarding this account with a modification of the term from 7 to 6 months. And an interest rate from 5.5 % to 5.1 % I contacted the bank in person and was told that there was nothing they could do about it. 
I have all the paperwork with the above information
Product: Student loan

On  XXXX   XXXX ,  XXXX  received a check from my mother for a total of {$22000.00} which we were to understand was the payoff for my student loan. They cashed the check and issued a refund for that amount which I was told was forwarde d to ACS Education, which is  the bank that is servicing my loan. After speaking with them several times, they reported that they sent the payme nt to ACS  on  XXXX   XXXX ,  2017 .     S ince, ACS has no t posted the payment. They said it  could take up to 60 business days for the amount to post. It still has not posted. I have been in contact with them multiple times both before the 60 business days were up and after. After the 60 business  days, I asked a customer service representative if they could contact  XXXX  to locate the money, however, they told me the best thing to do would be to email a copy of the canceled check to them at  XXXX  XXXX  XXXX . I did thi s and despite a form email back stating it would take 2-3 business days for a response, it took 5 business days to get the acknowledgement that they received the copy of the check and state it will still be another 7-10 business days to research. In the meantime, my loan continues to accrue interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX I : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX  bankruptcy XXXX : # XXXX has violated my rights. 

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

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

LVNV FUNDING LLC doesnt have the right to collect debt in the state of michigan as per Michigan Compiled Laws MCL specifially MCL445.252 it is unlawful for a collection agency to engage in debt collection activites without proper licensure in the state.